BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
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: Credit inquiries on your report that you don't recognize

Complaint:
On Tuesday, XX/XX/2022, XXXX XXXX, ran my credit without permission. When I spoke with XXXX XXXX XXXX, I only authorized my credit to be ran through XXXX XXXX. I had already been pre-approved with XXXX XXXX XXXX XXXX for XXXX at 3.79 % APR. XXXX XXXX suggested inside financing due to high demand, low supply. I denied the request on Monday, XX/XX/2022. XXXX XXXX called me on Tuesday, XX/XX/2022 at XXXX, asking me again. XXXX XXXX took it upon himself to run my credit through multiple creditors without my permission. I had already been pre-approved for a loan with an excellent interest rate. I will not pay a higher interest rate when I have been approved for a lower one. There was no incentive involved with him running my credit through multiple creditors. The only thing XXXX did is lowered my credit score. As a sales XXXX, XXXX should know the importance of fraudulently pulling my credit without my permission. I feel disrespected, dishonored and belittled. 

I emailed XXXX XXXX on Tuesday, XX/XX/2022 at XXXX asking him to fix this error. It has yet to be fixed. No one from upper management at XXXX XXXX has contacted me to correct the issue.

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 2023-01-26
Company: World Acceptance Corporation
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER.

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 2023-09-21
Company: Financial Business and Consumer Solutions.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from numerous numbers that my phone identifies as FBCS. I XXXX it and it led me to the website : XXXX XXXX XXXX The calls are several times a week. Some weeks it is every single day. They never leave a voicemail. I have never been contacted by email or regular mail so I have no idea what this could be in reference to. I do not wish to contact them and give my personal information to them. 

I have included screenshots of my phone of the missed calls. These are only the calls I have not deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Supreme Lending
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  illegally and incorrectly reported a payment as late and their representatives refused to offer any solutions as required and required under the terms of The Cares Act. Not only has XXXX XXXX XXXX repetitively displayed miss conduct and unethical behavior, they have also refused to respond to a letter I forwarded requesting assistance and couldn't provide adequate notice and/or a reason as to why I was not notified of a late payment. 

Furthermore, records show that during the transition from Everette Financial ( Supreme Lending ) to XXXX XXXX XXXX, proper documentation was lost that included details of my home owners insurance with XXXX to lapse. 

Under the Fair Credit Reporting Act, a person can receive a copy of a call if the individual requested the conversation is in a lawsuit against the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Atlanticus Services Corporation
State: OR
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:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as did my entire family. Shortly after we all recovered XXXX XXXXXXXX we all got XXXX XXXXXXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Fortiva credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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:
These accounts are reported incorrectly and do not belong to me, I want it to be deleted 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 2023-02-16
Company: Experian Information Solutions 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:
I have no knowledge of this XXXX credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections 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 2023-10-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 XXXX  was added to my account, without notice and I was assualted and detained by NSA officers ( irrationally ) in XXXX - XX/XX/2023. I started receiving late payment charges on XX/XX/2023. A check was returned to the issuing bank when depositing money into my PenFed XXXX XXXX ( XXXX ) account on XX/XX/2023. The check cleared when I made the mobile deposit on XX/XX/2023. I made another deposit on XX/XX/2023, and the funds are reflected as available ( except when I try to make a car loan payment ).

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 2023-01-28
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company is pulling from my account on the XXXX and the payment is due the XXXX. I have had to move money multiple times from a credit card as we dont keep much in this account. I have complained twice. They said they are pulling payments in accordance with the loan terms. The loan terms state to pull on the XXXX, this is when I am paid this must be fixed. I am very upset.

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 2023-01-03
Company: EQUIFAX, INC.
State: GA
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 first reached out to XXXX, Equifax and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX account # 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 non-monetary relief
Consumer complaint received 2023-05-17
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:
I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : CREDIT FIRST N/A ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( CREDIT FIRST N/A ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.

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 2022-11-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2023-05-10
Company: EQUIFAX, 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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous XXXX Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Miscellaneous Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : Miscellaneous

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 2023-01-26
Company: Experian Information Solutions 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : 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 2023-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited cash on the XXXX XXXX chase atm on XX/XX/XXXX. So the first time I put the whole money the amount is around XXXX to the atm and the atm couldn't recognize. So I separate the money to deposit three times. The first two times the deposit was successed but when the third time i deposit itthere 's XXXXXXXX XXXX dollar was stucked in the machine. And the atm screen shows it's technical issue and it let me to call some number. Then I went into the bank to ask help. The lady in the bank didn't go to the atm to check for me but she said her coworkers were tooking the money out behind the machine and she couldn't help we with anyting but if i call the claim department i will get my money back. So I did it and I do get a temporary credit for that amount. but then about one month after that, they took the temporary credit back and denied my claim because they didn't find any extra money. Then I filed another claim and required them to check the camera. Today I got the call, the lady of the chase claim department told me my claim was still denied. I asked her if they checked camera or not. She said she doesn't know but anyway they could not show me the video. I told her at least they need to check. She said ok. Then few hours later, the lady called me said the angle of the camera couldn't record the atm part, they couldn't see if I put money or not. I'm very angry and disappointed about that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Sent a payment for a hotel to a friend using PayPal. In the notes, I wrote XXXX hotel. The status went to pending and PayPal requested information. I stated that it was a legal trip ( Americans are allowed to XXXX ). It has now been 5 weeks and my money has not been sent or refunded. I have contacted PayPal several times via phone and email to get this matter resolved and I 'm told every time it would be resolved in 72 hours but no resolution has yet to cut. Even worse PayPal will not return my money or allow me to close my account. I feel that this company has stolen money from me that it will not return

Company response to consumer: Closed with non-monetary relief