BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Regarding the collection account opened on XXXX with SOURCE RECEIVABLES M, I have attempted to dispute the validity of this debt with the collection agency directly. Despite my efforts, the account remains on my credit reports with both XXXX and XXXX. 

I have sent a formal dispute letter to the collection agency requesting validation of the debt, as well as a cessation of all collection activities, in accordance with the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received adequate responses to my requests for validation, nor has the account been removed from my credit reports. 

I am aware of my rights and responsibilities in this matter, and I am seeking assistance in resolving this dispute promptly. I believe that the actions taken by the collection agency are in violation of the FDCPA and FCRA, and I am concerned about the negative impact this account is having on my creditworthiness. 

I would appreciate any guidance or assistance you can provide to help ensure that my rights are protected and that this matter is resolved in a fair and timely manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-10-20
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Am Having A Problem with CashApp Account That My Transaction or being declined when ever i try to make a purchase with my cashapp card i contacted cash app support and they told me that unfortunately they cant do anything about this transaction being declined and being blocked and they did not help fix the hold issue thats on my account i cant use my cash app to make purchases please help me with this problem please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2023-10-23
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company practices discrimination based on income. Specifically this company denies XXXX income as a basis of repayment. On numerous occasions in XXXX, XXXX, XXXX this company keeps claiming in its denial letter that I do not possess enough " Income and or work history '' also it claims I do not have sufficient education. 

My only sources of incomes are derived from XXXX and not from work. How would I possess work history at this current time? Furthermore after repeatedly submitting the application I am given the same reason. When I contacted the company they read off the same statement over and over. They even state on the bottom of the denial letter they DO NOT discriminate based on income. But here they are telling me I do not qualify based on my " Income and or work History ''. This company specifically practices Income Based Discrimination which is a violation of Federal Law.

Reason : We are unsure of your ability to repay the loan based on your current employment, education or work history.

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with this law is the Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX 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 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-17
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I informed the creditor to contact my bankruptcy atty. and they have repeatedly contacted me afterwards and threatened they will still try contact me to collect on the debt.

The creditor is : Tower Loan, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, ( XXXX  ) XXXX and ( 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 explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I added XXXX XXXX as an authorized user on XX/XX/XXXX to my Sapphire Reserve card. On XX/XX/XXXX XXXX XXXX applied for his own Sapphire Reserve card and got approved for it. I was charged {$75.00} for his use of the card on XX/XX/XXXX and {$75.00} again on XX/XX/XXXX. Since I myself wouldnt be allowed to apply for two Sapphire Reserve credit cards at the same time, it was my understanding that once XXXX XXXX applied for his own Sapphire Reserve card that he would automatically be removed as an authorized user on my card but it doesnt seem like he was. There wouldnt have been any way of me knowing I needed to manually remove him from my card as an authorized user as there wasnt any clear messaging to let me know this. I noticed he was still an authorized user on XX/XX/XXXX when reviewing my account activity and immediately sent a message to customer service through the secure message center within my online banking app to remove XXXX as an authorized user and to request a refund of the {$75.00} annual fee I was charged on XX/XX/XXXX. On XX/XX/XXXX when I log into my account and still dont see a refund for the {$75.00} I called into customer service and both a regular representative and a supervisor declined the refund saying the system wouldnt allow them to credit back the fee. It is unfair for me to pay this fee especially when XXXX has had his own Sapphire Reserve card since XX/XX/XXXX and has not used his card under my name since then. I have been a customer with Sapphire Reserve for many years now and never called in to request any annual fees to be waived and have consistently given Chase my business tens of thousands of dollars in business every year. I am very disappointed today to find out that a simple {$75.00} cant be credited back to me. Its a reasonable request back by sound logic. I have choices when it comes to this tier of credit cards and I have consistently stuck with Sapphire Reserve but it doesnt seem like the customer service is there to back up this card as I had hoped. I am seriously considering downgrading this card and moving on over to XXXX XXXX XXXX credit card if this issue cant be resolved. There would be little incentive for me to continue to give my business to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had some fraudulent activity on my credit report back in XX/XX/2022. Due to my score decreasing Amex reduced my credit limit from $ XXXX to $ XXXX on my blue cash back card. They also reduced my spending limit on my Gold card. I have submitted all documents they have requested and they still have not done anything to reverse the credit limit. The credit limit decrease also brought my score down. I just got off the phone with them and told them to pull my credit report again but they did not want to review it again. My score is XXXX and I do not have anymore negative fraudulent accounts reporting. There is no reason why they should not reverse my credit limit to $ XXXX. I've always paid my credit cards on time and have always kept balances under 10 % I've always recommended Amex to everyone I know including my clients but right now I am very disappointed with them. 
Could you please investigate this issue for me please. I have attached a copy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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: Information belongs to someone else

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized & Fraudulent credit inquiries on my TransUnion credit report. My latest credit report shows 15 credit inquiries that I did not authorize : 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 explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-25
Company: Access Receivables of NC Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received notification of XXXX owed to XXXX XXXX XXXX. Contacted collection agency via email and stated debt was not mine and requested validation. XX/XX/XXXX  I received a letter in the mail that was supposed to be the debt validation. The paperwork sent has the date the account was opened and the amount owed. The signature on the contract is not mine nor does the paperwork indicate the location where the account was opened nor a copy of the identification presented/collected at the time the application was completed and the account opened. 

Whomever opened the account provided my checking account information for automatic debit of the payments. When I noticed the deductions I contacted my bank and reported the activity as fraudulent. 

That was over three years ago. I was never contacted about this account or the alleged delinquent payments until last week. 

Again I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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: Account status incorrect

Complaint:
See document attached

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 2023-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This company was processing payments of {$4800.00} dollars each month, paid directly out of my bank account for 9 months. ( I have bank statements to support this ) lead my family to believe they were working on a modification, or repayment plan. When in fact they were processing a foreclosure all the time. There is no reason financial or other wise myself and my wife can not me a fair financial payment. But we were not offered a reasonable chance. We are law abiding taxpayer Americans, and I believe we diserve a chance to protect the future of our children. Thank you for listening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Dear TransUnion Consumer Solutions , /dispute department My name is XXXXXXXX XXXX XXXXXXXX the last 2 years or longer i have disputed the bankruptcy and every time you say its verified well now i went to the courthouse and XXXX XXXX where you said it originated from which was XXXX XXXX XXXX XXXX Ohio XXXX the clerk of courts did a investigation and found no records on the bankruptcy account XXXX  # XXXX I also went to the XXXX XXXX they did an investigation and found bankruptcy account XXXX  # XXXX and found it to be an error as well and deleted it attached to this is letter is a letter from XXXX XXXX as well. Please look at that as well. I have never been affiliated with any bankruptcy in my life. Attached is a letter from the Clerk of courts it states this information that i just mentioned. I am asking you as by law to please remove this from my report due to it being a BIG error!! In my Transunion report the file number is XXXX please respond back to me with a letter that states it is removed and that you received this letter Thankyou. 
Sincerely, 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to file a complaint against Transunion for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. 

As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, Transunion has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. 

Furthermore, I am concerned that Transunion is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. 

I urge you to investigate this matter thoroughly and take appropriate action against Transunion for allowing fraudulent and negative information to be reported on my credit report. I also request that Transunion remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.

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 2023-05-05
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A loan was taken out in XXXX  for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to XXXX which I called and followed up with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 602 A States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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