BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
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 : # XXXX, US DEPT OF EDXXXX : XXXX XXXX, US DEPT OF EDXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX and 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 XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 2022-10-05
Company: Upstart Holdings, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced my XXXX XXXX XXXX through Upstart in XX/XX/XXXX. In XXXX I traded the vehicle into my employer XXXX XXXX of XXXX Texas. Ally was the original lien holder who confirmed that they sent the title to Upstart on XX/XX/XXXX electronically. I had to call to verify this because the representative lied to me and to XXXX stating that they did not have the title. When I called Upstart back I received another representative that confirmed they have had the title since XX/XX/XXXX. XXXX afterwards submitted the payoff to them on XX/XX/XXXX. They are not wanting to cooperate in releasing the title to XXXX since it has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, accounts shows a balance owed on a charged off account.dispute status 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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as XXXX are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge XXXX to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect XXXX to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information. 

I demand that XXXX takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that XXXX compromise my privacy. I request that XXXX provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that XXXX upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.

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 2023-05-31
Company: Yamaha Motor Finance Corporation USA
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 is missing that should be on the report

Complaint:
This account was paid in full, without debt and is only reporting as a closed account affecting my credit since the information provided is inaccurate, it is not shown in the 3 credit agencies, it does not show any late payment or any relevant information. It only shows that the account was closed without debt but does not represent any other information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: ALLY FINANCIAL INC.
State: NE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX You are in Direct violation of the Fair Care Act Reporting ( Account Name and Numbers ) 15 U.S.C 1681 section 602 A. Clearly states that i have the right privacy.

15 U.S.C 1681 Section 602 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 Remove these late payment and update the account information immediately as yu are in direct violation of several laws under The Fair Credit Reporting Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Waypoint Resource Group, LLC
State: WA
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:
On XX/XX/2023 I submitted a complaint through the CFPB complaint # XXXX stating WAYPOINT RESOURCE GROUP was using Color of Law to publicize and furnish inaccurate and private information that has resulted from its own acts of Fraud and Identity Theft as defined by 15 USC 1681a ( q ) using extortionate means to collect on debts not owed which is a crime. 

In the attachment I requested this agency provide PROOF it acted with Lawful authority when it obtained and shared my information to consumer reporting agencies, and in their CFPBn response they FAILED to do so. 

On XX/XX/2023, someone by the name of XXXX XXXX XXXX responded to that CFPB complaint on behalf of WAYPOINT RESOURCE GROUP stating that after investigating my claim, and making attempts to contact their alleged client ( assuming this is the alleged original creditor ) and that she coded the account as FRAUD in their system ; However she failed to confirm the account would be deleted form all third party consumer reporting agencies. 

This is another violation of federal law 15 USC 1681s-1 ( a ) ( B ) which clearly states : " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX unauthorized charges filed on debit card. Worth XXXX dollars in total. XXXX is claiming none of the charges pop up on their end. I filed a claim through wells Fargo XX/XX/23 and it was denied.

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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Kohl 's Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My husband and I went to TitleMax in XXXX, Alabama to get a title loan on our vehicle title on XX/XX/XXXX. We went in to make our monthly payment on XX/XX/XXXX, they could not retrieve our file for us to make that payment. The payment was for {$620.00}. We were not able to access our online account and the store personal could not access our account. Our payment was not due until XX/XX/XXXX. On XX/XX/XXXX we went in to the location to make the payment. The payment amount went up to {$1200.00}. That took everything we had to pay it. They refused to take a partial payment or work with us. Claimed it was policy. Not knowing that they are charging us outrageous interest rates by the DAY!! We have to decide on either paying our house bills or paying this outrageous loan rates. Title max is robbing its consumers. We can not get our vehicles repaired. We can not pay our house bills, or even put gas in our vehicles to go to the store. PLEASE HELP US!!!! This is inhumane for a company to charge us 170.21 % and 194.55 % Finance charges by the DAY!!! They are charging us daily for this obscene loan. We are going to loose our vehicles because of their rates. A {$7500.00} loan is going to costs us over {$13000.00} to get our title back. This is just for one of our loans. We were not aware of this at the time we obtained the loans. They also call nonstop with no voicemails. 

We also received notices of data breach...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Paramount Capital Group, Inc.
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts that Ive listed are not mine and are fraudulent. 

The companies are Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today ( XX/XX/23 ) I went to view my wedding venue and came to the conclusion to make a deposit. As the venues preferably source is XXXX, I tried to go through XXXX. This is the second time XXXX has hacked me/my account. I called the contact support line/ XXXX number and got in touch with someone. This person set up a fraud email/ made me think he was part of XXXX . And I ended up transferring money. ( XXXX ) to be exact. Im hurt, stressed, disappointed, and just want my money back. Its so sad I cant trust anyone these days. Im homing XXXX makes this right and refunds me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Credit Karma, LLC
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi XXXX XXXX here. Im submitting this complaint on credit karma money account. I filed my taxes as i always do with turbo tax never had a problem until this year i did the refund advance so i had to have it deposited into credit karma account well i waited and never heard anything to find out i wasnt getting the advance well they ended up locking my account right after my taxes went in after they told me i wasnt gon na get them there. Long story short i was waiting on that money for bills and my XXXXXXXX XXXX. I have lost my place to live and all now there saying i got my money out of this account that was frozen or locked and they never would let me. This is wrong that was {$4.00} thousand dollars. I needed and still need. I just want intuitt to do whats right and give me my money them or someone stole my XXXX XXXX XXXX XXXX XXXX XXXX  This has caused my family alot of pain and suffering. I dont know what else to do but i need my money i worked and paid taxes for. This ia not right its like they just stole my money. I did nothing wrong to havr my account locked. Or my money kept or stole apparently my account is negative and it was froze

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute inaccurate information that appears on my credit report regarding a bankruptcy filing. After reviewing my credit report, I have discovered that there is a bankruptcy record listed that is incorrect. I am requesting that you investigate this matter and take the necessary steps to rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

The Bankruptcy court stated in the attached response letter that they don't report Bankruptcy informaton to consumer ' reports or consumer reporting agencies. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( LexisNexis, XXXX, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from an online electronic system known as Pacer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TD BANK US HOLDING COMPANY
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 am getting multiple HARD INQUIRIES on my XXXX app. 

XXXX. XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX. Nordstrom/TD Bank USA XXXX XXXX XXXX XXXX I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: SinglePoint GI
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2023 XXXX phone call message from The General Revenue Corporation from XXXX. Recorded call from XXXX who claims to be collecting a debt. My credit score is XXXX and I do not owe anyone a debt. This is the 5th or 6th spam/scam call Ive received and I am tired of being harassed. They call my home phone at XXXX all hours and I want this stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
the account closed XX/XX/XXXX XXXX XXXX, and I have constantly called and emailed Chime about my closer check from my Chime XXXX account and they have given me the run around and multiple lies and just reading from a script. From XX/XX/XXXX until XX/XX/XXXX there has been over 20 emails back and forth and nobody at that bank can seem to understand the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I checked my account and seen I had unauthorized charges I immediately contacted the bank and now Ive received notice my claim was denied and closed with no explanation.

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 2023-06-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello. I became a victim to a multilayer scam operation orchestrated by XXXX XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gain. Amines was transferred from my Chase Bank account around {$22000.00} USD utilizing your service about the month of XXXX 2022. I attempted to recover the funds on my on by seeking the service from XXXX XXXX XXXX in XX/XX/2022. Unfortunately I fell victim again by hiring and paying over {$9000.00} for recovery that was falsified through XXXX XXXX from a fake account. I have been scammed by what I thought was both legitimate businesses. I am a business lady trying to earn a honest living. This has really affected my mental and physical wellbeing. I feel that if my bank for over 30 plus years would have i intervened. I would not be in this situation. This is why Im requesting from Chase Bank the return of my investment funds. I seriously cant afford to lose such a large amount of money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation