BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On monday XX/XX/XXXX at XXXX XXXX i received a txt message from this company saying that i had been approved for a personal loan with a certain amount of money to give them i call back to that number. 
I called back they had already my information and they said i will be getting the money they just had to increase my credit score. 
After that some hours passed and they said in order to help me out to increase my credit score they were going to deposit money in my bank account XXXX dollars and i had to pay them back that money right away in order for them to verify me. 
Some hours passed and they deposit XXXX dollars saying it was just to check my bank acount. Thay ask me to buy a XXXX prepaid card to pay back that money to them, i did that and after they ask me to deposit XXXX dollars into my own bank account in order for them to confirm all the transactions. 
XXXX XXXX that was his name called me back around XXXX XXXX that monday and said the money was going to be in my account the next day right in the morning. 
XX/XX/XXXX called me in the morning and said i needed to buy XXXX XXXX   cards. 
I check my bank account that morning and i had XXXX deposit in my acount i believe they were going to be for the loan. That called and they said my credit score needed to be higher and with those 8 XXXX cards they were going to help me, and that was the last thing i had to do. I bought the cards with that money and XXXX said to give them a couple of hours so the money could be in my bank account. 
XXXX called me back several times and ask for my bank account information saying that they were going to put they money but they couldnt because something was wrong with my account. At XXXX he called and said the money was going to be in my bank account fist thing in the morning that they had some problems with the manager. 
XX/XX/XXXX in the morning i check my bank account and i had XXXX dollars they called me and said they couldnt deposit the money because my account had minus if i had bought something or if i had bills to pay that i had to pay that off first in order for them to give me the money, i reply to them saying i didnt had any bills or anything it was just them and the XXXX cards they had made me bought. XXXX told me to give him 2 hours in order for him to check that, at XXXX XXXX   he called me back saying he couldnt fix it and i had to pay XXXX dollars in another XXXX card in order for them to fix it or to cancel all the loan, i tell him no and he said he couldnt do anything and that the minus moeny in my bank account had been me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect employment posted showing I am or was an attorney and I have never been an attorney. Incorrect personal information listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Freedom Mortgage Company
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
From XXXX 2019- XXXX 2019 mortgage payments were made to the mortgage company. in XXXX they reported my account was 30-60-30 days late. I filed a complaint asking for the company to correct the reporting in XXXX twice, with the second request filed on the XXXX of XXXX, then again on XX/XX/XXXX. The company has failed to correct the record even though there is documented evidence that the payments were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: T.S. Holdings
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
For 3 years I have tried to get XXXX at XXXX IQ data to remove their error of my credit report. I went to court with them on XXXX occasions due to their property manager at the time saying I and a couple of other residents were not paying rent which wasn't true. Each time, she would find it and the case was dismissed or non suit. Well prior to her I got sick ( XXXX ) and filed bankruptcy. I complained about mold in my apartment and reported it, the inspector came out and gave my apt violations. The manager became angry did some digging and when I moved out later I received collections from IQ data my previous bill that I filed bankruptcy on {$4100.00} from XXXX at XXXX. I showed all my paperwork to several mangers which told me the manager that did the dirty deed was no longer there for other underhanded things and embezzlement ; which I already knew it was talk all over the complex. I could care less I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA.

RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The problem : In XX/XX/2018, we returned a car that we had leased. The leasing company is billing us for the property tax on the car for the entire 2018 year. When asked why not just bill us for the 4 months i.e., XXXX, and not for the whole year, the response was that the state had billed the company for the full year ( probably in XX/XX/2018 ) and so this was the company policy. The leasing company states that they have applied to the State for a refund ( after we questioned the bill ) but that we have to pay in any case and they will send us the credit when it arrives. The Leasing Company : XXXX XXXX XXXX The State : Virginia The amount : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
2 transactions from Cash App were fraud. A person was impersonating as a social media influencer/to be somebody else who performs reading services which resulted in me losing {$130.00}. 

My bank XXXX somewhat tried to dispute the charges but Cashapp barely tried to investigate the matter which resulted in my bank having no choice but to close it out. 

I never received the services and my bank advised me to take care of this with Cashapp who refuse reinvestigate and closed out my Cashapp account without prior notice. 

Please keep in mind of the following : I have claims against Cashapp for violations of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, et seq., Cashapp unlawfully required a host of information to be provided as a condition precedent of opening or investigating a dispute or resolving a dispute in a consumers favor. 

The EFTA requires that a bona fide investigation be conducted once a bare minimum of information is provided by the consumer. 

Cashapps error resolution process violates the EFTA by explicitly placing the burden of proving the unauthorized transfer on the consumer ( and denying disputes on grounds that the consumer has not met his or her burden of proving that the transaction was unauthorized ). The EFTA requires the opposite, providing that Cashapp is liable for allegedly unauthorized disputes where Defendants can not show that the transaction was in fact authorized. 

cash app error resolution process also violates the EFTA because it deny claims without providing any explanation or providing to the consumer the documents Cashapp reviewed during the investigation. Both an explanation of the denial and a notice of the right to request these materials are required under the statute. 

The EFTA places sharp limitations on consumer liability for unauthorized transactions. For example, If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumers liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.. 12 CFR Sec. 1005.6 ( Liability of consumer for unauthorized transfers ). See, 15 U.S. Code 1693g ( Consumer liability ).

20

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XXXX I deposited a check from an account owned by my partner, who is also the co-holder of this account, as we do on a regular basis all through mobile deposits. I went into my account and seen that the deposit had been put on hold then called the customer service number and was instructed to call the holds department on XXXX. On XXXX I called the hold department and was told by agent the hold was due to an image issue and she adv they verified the information but I would need to call back on Monday and as long as The funds have been received the bank would be able to release the funds. I called Monday XXXX I was told by the agent the funds were verified, they called my partner to verify information from the deposited check, and was put on hold for XXXX min and came back on and said they have tried to release the funds but the system wont allow them to and I'll just have to wait until XX/XX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. Please remove these files : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked at my credit report, and theres an authorized inquiries without my permission without my signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation