BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX  XXXX XXXX XXXX  XXXX XXXX U.S. Department of Education XXXX XXXXl XXXX XXXX Dep of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 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. 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 2023-02-04
Company: GOLDMAN SACHS BANK USA
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Apple/GS Card ; I was shocked today when I reviewed my credit report and found late payment on the dates below : XXXX XXXX  30 DAYS ( DURING THE TIME I WAS HOSPITALIZED WITH XXXX? ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 to privacy and confidentiality under 15 USC 1681. 
XXXX Account name ; XXXX XXXX acct # XXXX Account name ; XXXX XXXX XXXX Account # XXXX Account name ; XXXX XXXX  Account # XXXX Account name ; XXXX XXXX Account # XXXX  Account name ; XXXX XXXX XXXX Account XXXX XXXX Transunion Account name ; XXXX XXXX XXXX Account # XXXX XXXX  Account name National recovery account # XXXX Account name XXXX XXXX Account # XXXX they have violated my right the only phone number i have is XXXX XXXX the only address is XXXX XXXX XXXX tn XXXX 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 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. 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 2023-02-04
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a car from XXXX Florida with XXXX XXXX. They offered me a XXXX  XXXX XXXX for XXXX with a XXXX down payment, and I had to sign a contract with credit acceptance. I didnt get to see my paperwork because they uploaded it on a thumb drive and told me everything I sign will be on the thumb drive. 1 year later Im stuck trying to catch up on payment thinking the car would be XXXX because I put XXXX down. I looked at my paper work and realized the car that I have was sign for XXXX. Im a mom of 4 children I have no other choice but to try and struggle to pay my car loan or be without transportation! How can they jack my price that high and Cause me to go into debt? I had my car repossessed had to pay XXXX dollars I end of paying XXXX XXXX before the repossessed it told me that it doesnt go towards the XXXX XXXX to get it pay! I need help Im stuck with a car and going down in debt

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: UT
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: Can't stop withdrawals from your account

Complaint:
Wells Fargo I opened up a business account when I was first out of XXXX XXXX to keep my work money separate so I can keep a good data on it. This was in XXXX  my business name was XXXX XXXX XXXXXXXX out of XXXX  However, I ended up closing the account because I kept going into overdraft for fees constantly I didnt understand at the time why I was charge so much but I lost a lot of money and couldnt keep going on my new business my maiden name is 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 2023-04-27
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & are impacting my ability to gain credit. 


XXXX, XXXX. XXXX Date Opened XX/XX/1989 XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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 belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & are impacting my ability to gain credit. 


XXXX, XXXX. XXXX Date Opened XX/XX/1989 XXXX {$0.00}

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 2023-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Representatives of BoA visited my business and offered a new product service for small business owners. I made sure this was a BoA product and it was confirmed that it was " Merchant Services, '' so I signed up. All seemed to be well for a period of time. I later noted a debit of {$10000.00} and a subsequent debit of {$3500.00}. When a large charge reaches my account I am always contacted by the bank 's Fraud Department to confirm the legitimacy of the charge. That did not occur with these transactions. Thereafter, I took notice of a number of chargebacks ( refunds ) in the account under the same institution. All of the transactions have since totaled around {$20000.00}. I called Bank of America for assistance because I was completely confused but I was told I would need to visit my local branch. Throughout several weeks I spoke with a number of people who explained to me that Bank of America discontinued it's relationship with that merchant, but did not notify any account holders. This service was again presented by, from, and as a Bank of America product. Due to this lack of communication and transparency I incurred charges and chargebacks from the company once their agreement ceased. Bank of America refused to help me dispute the charges and the reversal payments which occured as a result of them ending their contract with the service company. I explained thoroughly that only after the charges had I been told this was a partnership and they were ending their relationship. If I were made aware I would have taken the steps to do the same. Bank of America presented the service directly to me but did not any way shape or form let me know this product/service would no longer be offered. This situation is beyond unsettling because they refuse to move a toe in trying to assist me in protecting my account, disputing the charges, or getting my money returned back to me. They simply apologized and stated there is nothing they can do. They have completely thrown their hands up and not taken responsibility, not tried to help me in any way, nor explain how nor why I wasn't kept informed about anything. These are the those I continuously pleaded for help from XXXX 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 2023-04-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Credit Bureau Equifax I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

On XX/XX/XXXX ( Receipt included ) a Dispute Form including all accounts resulted from Identity Theft, Identity Theft and Police Report were mailed. Accounts in dispute were listed on original Dispute and Evidence Request per section 609. This envelope was certified mail and required signature. Records show it was received by your office. 

As proof of my identity, drivers license, cell phone bill, and Social Security had been attached. 

You were unable to verify the accounts with the original contract, the information should be removed from my credit report within 10 days of receipt of this Complaint. 

Sincerely, XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint covers 6 violations.

This complaint covers 6 violations and disputes as listed. 

XXXX has violated the FDCPA laws multiple times in their collection efforts of a outstanding XXXX account in both their reporting of derogatory information on my credit files and in their collection techniques of this XXXX account XXXX Company and their Smith Debnam have conspired to harass me and impress me with many violations against North Carolina laws and Federal laws. 

XXXX. XXXX XXXX willfully and intentionally reported ghost payments to the credit bureaus three months in a row in a direct attempt to sabotage the time period of that account automatically dropping off of my credit files. 
See attached for evidence. 


XXXX. XXXX XXXX and their attorneys at Smith Debnam in North Carolina are harassing me sending me multiple letters with multiple amounts and will not leave me alone. 

XXXX. XXXX XXXX keeps removing account under dispute contrary to Federal laws And further claiming that they have resolved the issue which are false representations again! 

XXXX. I am filing complaints Again with multiple agencies tomorrow and seeking an FDCPA attorney to take action. 

XXXX. I dispute this account XXXX XXXX here and now # XXXX and will notify the credit bureaus if i feel it has been satisfactorily resolved. 

XXXX. I demand that XXXX XXXX and Smith Debnam quit harassing me about all of these different amounts and oppressing me as it is causing me to enter deep XXXX and mental  anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than XXXX XXXX I have a mix of XXXX and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!

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 2022-10-23
Company: Experian Information Solutions 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  # 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 a account without my written instructions

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 2023-02-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to express my frustration and request your assistance in resolving an issue I have been facing. On XX/XX/XXXX, I attempted to deposit {$1800.00} at XXXX of your ATMs. Unfortunately, the machine was malfunctioning and did not properly process my deposit, but it took the cash and never became available in the account. 

It has now been almost XXXX weeks since the incident occurred, and I still have not received my funds. I have been in contact with Chase representatives several times, but have not yet received a satisfactory resolution to the issue. 

I am extremely concerned about the status of my funds and the lack of progress in resolving this matter. I have already taken time off work and invested a significant amount of effort into trying to resolve this issue, and I am eager to receive a resolution as soon as possible. 

I would appreciate your prompt attention to this matter, and look forward to receiving an update on the status of my deposit. I would be happy to provide any additional information or clarification that may be necessary. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Liberty Career Finance, LLC
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: Account information incorrect

Complaint:
XX/XX/XXXX Acct : XXXX XXXX XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : LIBERTYCAREERFIN On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX XXXX XXXX Signature Required to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send two forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXXnd XXXX XXXX XXXX to receive my credit report every month which will be attached.

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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
AFTER A THOROUGH REVIEW OF MY CONSUMER REPORT, I HAVE IDENTIFIED SOME ERRORS AND WOULD LIKE TO FILE A COMPLAINT BECAUSE I REALIZE THAT MY CONSUMER RIGHTS HAVE BEEN VIOLATED. ACCORDING TO THE FAIR CREDIT REPORTING ACT. 15 USC 1681 ( a ), defines the Rules of Construction ( 2 ) ( a ) ( i ) states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. 
TransUnion is reporting late payments on accounts listed as : USDA Rural Development XXXX XXXX XXXX XXXX XXXX MO XXXX This experience has been created as a late payment on in the month of XX/XX/2023 in the amount of {$140.00}, including a statement of 30 days late being reported. 

This information has been sold to a 3rd party and applied to my account without permission. 15 USC 1681 ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no term in accordance with the consumer to whom it relates. 
I have never provided TransUnion, XXXX or written instructions to report anything to my consumer report, not to mention the late payments/utilizations. 
According to 15 USC 1681 602 congressional findings and statement of purpose states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. This also states the banking system is dependent upon fair and accurate credit reporting. Items run which are reported inaccurately appear on the credit report directly impair the efficiency of the banking system and contribute to unfair credit reporting methods. Inaccurate reporting undermines public confidence which is essential to continue the fair and lawful functions of the banking system. 
The inaccurate reporting of these late payments and my privacy right have been violated due to TransUnion. My Consumer rights have also been violated by allowing late payments/utilization to report on my consumer report. I have previously informed your company to remove this information. With this notice, I am requesting this information to be updated accurately on my consumer report, late payment and utilization reported on my credit accounts.

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 2020-04-29
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item on my credit report through XXXX. The collector is Midland Funding. I have tried several times to get this resolved to no avail. I disputed this account also through XXXX  and was successful in getting this deleted from my credit file. On XX/XX/20 I filed another dispute through XXXX  and it was resolved in a matter of 2 hrs. Which is not possible to do. The results where an update to my file. I dont understand how one credit reporting agency can delete this account from my file but yet another wont. Please help me with this matter.

Company response to consumer: Closed with explanation