BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.

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 2022-09-27
Company: GreenSky, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
With reference of my previous complaint, XXXX The same loan Greensky is closed, however they are charging monthly fees, and calling and threatening they will report to credit bureaus. Already they reported as part of retaliation it actually impact my payment history. 

Last time didn't see a response from CFPB, so I called and enquired CFPB by the time the response window was over. 

IF CFPB is unable to support me then what other options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : 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 2022-08-01
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
Good afternoon Team EXETER FI, In accordance with the Fair Credit Reporting act 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 Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of EXETER FI XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord has infringed upon my rights to privacy and has been using harassing tactics to coerce me into paying an alleged debt. True Accord has violated my federally protected rights under the Fair Debt Collection Practice Act writing me more then 50 emails from XXXX XXXX using obscene and propane. They are contacting me during work hours which is also a violation of the FDCPA. This debt is not mine and I all communication from this debt collector to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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: 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 XXXXXXXX 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2022 I was told that I was sent {$120.00} via XXXX through my Chase checking for a set of golf clubs I was selling. I was then told I needed to accept and additional {$300.00} payment and refund the money back to the buyer. I sent the {$300.00} back however, I never received the offset. 

I called and filed a complaint with my bank as well as with XXXX. My bank stated I mostly would not receive my funds back since it is a form of cash. I attempted contacting the person who I sent the money too and they stopped replying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Jim Bottin Enterprises, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have a recurring bi-weekly payment of {$23.00}. Yesterday, on XX/XX/22 at XXXX, i get a text message from " ABC XXXX '' that there is an issue with my membership and to call XXXX to make a payment. 

I call my bank and they tell me that there was fraudulent activity on my card in the amount of {$1.00} and they froze my account. They tell me i need to go to a local branch and get a new card printed out. I do this and by the afternoon i have my new debit card in hand and contact this ABC phone number. 

They tell me they are ABC XXXX which is a debt collection company that deals with the chain gyms around the country. I explain to them what happened and the guy transfers me to the automated system to make my payment and update my debit card. Their automated system tells me that i owe them {$42.00} to put my account back on because of a " service fee ''. Of course, i have no recourse because I'm speaking to a machine at this point which Im sure is intentional so i pay them the {$42.00} which is my {$23.00} dollar payment plus a {$19.00} " service fee ''. 

I contact my gym owner XXXX who has always been amazing and she personally refunds me the {$19.00} service fee out of her pocket despite her not getting any of the {$19.00} from this XXXX XXXX. 

She tells me that the minute they try to process my payment, and, its declined for any reason, they tack on {$19.00} service fee and send me a text asking to arrange payment. I made the payment hours after they notified me there was a problem. I don't think this is right. They don't define how much money they will charge me for this " service fee '' in the contract. They could just charge whatever they wanted for something that cost them absolutely nothing. How do they justify charging me {$19.00}? Its arbitrary and might as well be {$1900.00} I know {$19.00} doesn't sound like a lot but i think this debt collection company is probably doing this to millions of people a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: UT
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 and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX XXXX Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX  - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish 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 2022-08-01
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:
XXXX XXXX XXXX  Say I have a debt, but this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
XXXX XXXX XXXX  Say I have a debt, but this is not mine.

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 2022-08-01
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:
I am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$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 2022-12-09
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Cash app has let numerous of negligent attempts of people stealing my money as my bank account is attached to cash app. Cash app has let people attach themselves to my account as if I added them but the account stays hacked through cash app. I repeatedly have reported this to the FTC and XXXX  about cash app as well. The person that is in my account has been stealing money since XXXX u til now and there has yet bern anything done about this problem from cash app and it is now XXXX this person has now stolen {$300.00} of my XXXX check. I am depressed about this and I will be pursuing a lawsuit against cash app and I have filed a police report against the person plus cash app letting this continue to happen. I need some help on this matter immediately and I know I am nit the only person going through this with cash app. Cash app have the evidence that the person has been logging on from another device and another location. This is why I am going to pursue a lawsuit against cash app. Cash app is not a trustworthy company when it comes to protecting your money and privacy it is not safe putting your personal information with their business. They let scammers steal your money and let the scammers authorize the person account and believe the scammers word over the person account which is not understandable. Please help me to file charges against cash app and to shut their company down their not responsible at all to handle customers finances at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: TX
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:
I have been asking for validation on this account to prove that I was ever late, it shows XXXX times, but I never was, I've sent letters asking for validation and proof of said late payments with no response, just keep getting ignored.

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 2022-12-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Chase bank refused to cash a check because I didnt have an account with them. The branch is in XXXX XXXX Louisiana. The check was written by their customer. I had to back to the customer and tell them the bank manager said they cant write checks to anyone that doesnt have a bank account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I reported my XXXX XXXX was stolen. I contacted the XXXX, NC XXXX county police department and the insurance company. I found there was no theft coverage on the policy. I was told that Exeter automatically puts full coverage on the vehicle when collision is dropped. There was no coverage. I received a phone call on XX/XX/XXXX the car was found at a tow wreck yard It was stolen, wrecked and not drivable. The airbags were deployed. I picked it up and paid {$190.00} for storage and tow fees. I picked it up because I knew I could not afford storage fees Thank God I got it because it would still be sitting in the tow yard and billing me. When I saw my car, I cried. I had it towed home and was told by XXXX care they could not cover the repairs due to theft. I never received any mail or documentation of such ; however, XXXX did not cover the repair. I received a personal quote including air bags that deployed. I was told my XXXX and XXXX XXXX the truck was totaled. I called Exeter on XXXX and was told they were going to repossess the vehicle for nonpayment. I was then told they would come get the vehicle as a voluntary repossession. I contacted Exeter on XX/XX/XXXX asking for paperwork or correspondence showing they would repo or voluntarily repo the car or at least send someone to look at it. On XX/XX/XXXX, i reached out and was told there was an open investigation. I advised them i just needed proof that the car was being worked on their end as far as repo or voluntarily repo. The car is still in my driveway as of XX/XX/XXXX. I just ask that the car is taken off my credit due to this vehicle not being able to drive and was stolen and I can not afford to pay for the car. Due to the theft, I lost my job, and I am facing an eviction due to not being able to make money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I deposited a cheque. I noticed the cheque was two months old. Right after I deposit it I called chase bank to stop the cheque they said they could not and to wait to see if it would go through. It was returned because of its age and I was charged XXXX XXXX I feel this charge could have been avoided. I understand the policy that was why I tried to stop it within an hour of the deposit is it justified that chase charge me? 
Respectfully XXXX XXXX

Company response to consumer: Closed with monetary relief