BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S. code 1681 Section 602 states i have the right to privacy.

15 U.S. code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S. code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over 8 years and should not be on my credit report at all after 7 years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.

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 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Accordance with the fair credit reporting Act XXXX capital one account # XXXX and also XXXX XXXX account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I the right to privacy, 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Real Estate Attorney XXXX XXXX ( with many many aliases in many states and large family fraud scheme circle ) also undisclosed Real Estate Title Attorney for XXXX XXXX XXXX working with XXXX XXXX XXXX escrow closer for same title company posing as an escrow officer, realtor XXXX XXXX also dual agent and managing broker for XXXX XXXX  XXXX XXXX XXXX XXXX County Recorder, XXXX XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX real estate attorney. XXXX county recorder is backdating for bribes ( only explains why these documents are suddenly showing up after repeated research and I have the original forms in hand ),. XXXX XXXX XXXX ( many aliases, many states ), is back filing with back dating files to cover for her large-scale scheme defrauding sellers in distress with large amounts of equity and XXXX XXXX and XXXX XXXX recorder participating in fraud. My warranty deed that just was filed yet dated XX/XX/XXXX but warranty deed signed XX/XX/XXXX when closing occurred XX/XX/XXXX and all through docs says send to myself and not my real estate attorney XXXX XXXX. I was defrauded of approximately 100,000 dollars with false liens etc and false forms and straw buyer. False POA, closing supposedly on XX/XX/XXXX yet XX/XX/XXXX ( XXXX XXXX XXXX ) completed after fraudulently ecrow advancing large sums of money and ALL closing costs from escrow to falsely inflate payoff statement only to repay hours later after closing on sale where attorney with the aide of XXXX ecrow closer repaid all closing costs and LIENS not paid off and 2 completely fraudulent and per IRS both state and federal, liens llikely fraudulent and not yet paid. ALL persons involved refuse to speak with me and XXXX XXXXXXXX XXXX with XXXX works for XXXX XXXX XXXX.!! 

I VERY MUCH BELIEVE THE BUYER XXXX XXXX DOES NOT EXIST. 

PLEASE CALL OR EMAIL AS i AM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-06-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied the correct way to discharge a debt. A debt can and should not be paid with a floating rate note which is a debt note. According to the Bill of Exchange Act and Federal Reserve sect 16 & 29 all debts should be properly discharged. I supplied them with an negotiable instrument drew up by them and properly endorsed it. I processed the lawfully way to discharge a debt the correct way in which they want to continue to ignore. According to the OCC they are now in violation of XXXX XXXX credits due to my estate. I have also sent out a final cease and desist letter. I followed the recommended process offered by the Bill of Exchange Act, OCC, and the Federal Reserve Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a dispute with Chime regarding fraud. Within 5 days they closed the investigation and failed to comply with EREG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Question about a reward and policy regarding reward redemption and a potential misleading / deceptive item. First call on XX/XX/2023, second on XX/XX/2023. Both times was promised a callback from a supervisor to support resolution within 24 hours. Neither time did anyone from American Express attempt to reach out or fulfill the commitment to have a supervisor call to help resolve issue. And after two unsuccessful attempts to resolve, and no return phone communication despite direct promise from both service reps to have a return call, decided to escalate to a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding the dispute for XXXX XXXX from XX/XX/31 in the amount of {$790.00}. I have provided enough supporting documentation to prove my case here. This business fraudulently charged my card for service which was not provided as advertised. They do not follow NJ law with respect to the service they are allegedly providing. I have done all I can to have this charge reversed and this is my final attempt. If there is no resolution after this, I will be winding down my spend on this card and across my other AMEX cards to almost nothing and will refrain from doing business with XXXX and Amex in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute and seek the immediate resolution of a fraudulent bankruptcy account that continues to persist on my credit report, despite my previous attempts to have it removed. This unresolved issue has been causing substantial harm to my financial well-being, and I demand that it be addressed promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX-dismissed Reference number : XXXX This fraudulent bankruptcy account is erroneous and has no association with my financial history. I have previously filed disputes regarding this account with your bureau, providing all necessary documentation. 
Despite my XXXX efforts and the provision of substantial evidence, your bureau has failed to take the necessary steps to investigate and rectify this issue appropriately. The continued presence of this fraudulent bankruptcy account on my credit report is causing significant harm to my creditworthiness, making it difficult for me to access financial opportunities and services.

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 2019-07-31
Company: SIMM Associates, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Simm Associates is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX  or XXXX  report so I am filing a complaint. They only responded to the XXXX  compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at XXXX I returned a call to an attorney named XXXX at XXXX and he stated he was being hired by a company called XXXX alleging they own Citii Bank and that they were trying to get ahold of me about a Vehicle repossession from XXXX. I informed him of the Texas Statute of Limitations on a car loan is 4 years and he said they will go after me for fraud instead. Then he ( XXXX ) informed me that they have gained permission from a federal court to freeze my bank account in 72 hours if I don't comply and told me even after everything is done I wouldn't be able to get another bank account for min 6 months and up to 2 years. I consulted my attorney and he said they are trying to bully me into paying a 12 year old debt and to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Netspend Corporation
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
NetSpend had notified me that there is an issue concerning PayPal Prepaid Mastercard. Earlier this year, I had afforded a gift card for {$100.00} from PayPal. There were instances when PayPal Prepaid Mastercard requested verification to confirm my identity. I requested that I pursue the shorter process that does not require verification. This took place ; there were also instances when PayPal Prepaid Mastercard requested verification that contained information that was not sought to be shared. Third-parties and I complained about PayPal 's verification methods. Currently, there is an {$100.00} prepaid card that had not been activated. I am seeking to receive this {$100.00} back as a refund check. I am also respectfully complaining about PayPal Prepaid Mastercard not activating cards anymore due to not respecting personal wishes already shared.

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 2023-09-29
Company: U.S. Auto Credit Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car is finance through U.S Auto XXXX I have made payments to this company {$6000.00} and I'm really worry about making another payment and my car will get repo. And I was told to file a complaint against them cause their still asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX Balance : {$27000.00}

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 2021-02-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
Dear XXXX 
I have paid my monthly bill every month due to corona, doctors app. etc. 
I have not received from niissan statements, email or other ... ... ... ... 
I need this lease. Please help.They are not easy to work with, very short, just in for the money not the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2023-09-29
Company: Remitly, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX. USD XXXX was sent by me on XX/XX/2023 through Remitly to be credited to my XXXX XXXX XXXX, at XXXX, ending with the last four digits : XXXX XXXX. But due to some reason, it is credited by Remitly to someone else 's account ending with the last four digits : XXXX ( proof attached ), Please note, in this case that the sender is me and the receiver is also me - to my Bank account in XXXX. 
3. Remitly has agreed that there is an error but has not made good the money yet. ( Their resolution letter is attached ) 4. Remitly has not given a satisfactory solution and has caused a lot of trauma to me in the process as I have made a number of calls asking for a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: The Bureaus, Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX The Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : XXXX  XXXX Alleged Original Creditor : Account number : XXXX XXXXXXXX XXXX Debt collectors Name : XXXX The Bureaus Inc. 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$500.00}. 
Debt collectors account number:XXXX Dear the Bureaus , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation