BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: Activehours
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Earnin is an app that lets you do an advance without fees of a traditional payday loan I used the app for a loan in XXXX I asked for a new date but it turned out that I wasnt paid enough to cover the cost of what I borrowed I contacted then several times and no one assisted me or provided any sort of payment plan they just all used the same scripted answer and made me feel even worse. I have tried to work with them to no avail and now I had to take out a very expensive loan with XXXX and I have ten payments I have to make on the loan I took out with high interest because Earnin wouldnt work with me and instead was willing to have the item bounce or cause me to go overdrawn with additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NY
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 Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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: Their investigation did not fix an error on your report

Complaint:
I've been a victim of identity theft

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an 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 2018-10-12
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from XXXX XXXX with Radius Global Solutions. XXXX stated that he was attempting to collect a debt in the amount of {$660.00} that was incurred on XX/XX/XXXX ( 2.5 years ago ) at the office of XXXX XXXX. I asked who the creditor was and XXXX said it was XXXX. 

I advised XXXX that I previous sent XXXX a certified letter explaining that this alleged debt was from a XXXX XXXX performed at my son 's pediatrician 's office and not at XXXX. I further explained that even if the pediatrician 's office sent the XXXX to XXXX, XXXX was within our insurance network and tests were covered at 100 %. XXXX stated that his information showed that the {$660.00} was " patient responsibility '' according to info. in his system from " XXXX '' ( which he said was XXXX XXXX ). 

XXXX further stated that his company began collection on my date as of XX/XX/XXXX and that before then it was collected on by another company for six months but he did not know what company that was. 

XXXX said that this account could be reported to credit reporting agencies. I advised XXXX that I wanted him to validate the debt, for his company to cease calling me, and for the company to note that I dispute this debt should it be reported to a credit reporting agency. 

I do not owe this debt. First, I did not agree to have XXXX XXXX provide services to me and XXXX will find no agreement between XXXX XXXX and myself. I agreed to receive lab services from the lab in my son 's pediatrician 's office, which were covered at 100 % by my insurance company. Second, under my then-current BCBS insurance plan, all XXXX XXXX costs should have been paid at 100 %. Therefore, it is my assertion that this is AN ATTEMPT TO COLLECT A DEBT NOT OWED in violation of the Florida Collection Practices Act and the Fair Debt Collection Practices Act. 

I hope that you will be able to assist with resolving this matter. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: DISCOVER BANK
State: IN
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:
My complaint is actually with a Discover Bank policy. Specifically, I went online as I wanted to dispute a debit card transaction ( have already tried to contact the payee, run-around ). I went online to do so and clicked to dispute it ( see attached screen print ). My question/complaint is... In this day & age when companies WANT, BEG, REQUIRE you to do everything online, WHY does Discover Bank REQUIRE you to phone in ( and potentially endure long hold times, etc. )? Not to mention, doing by phone leaves me, the customer, with NO proof or evidence that I filed the dispute... online would ( even if it's just screen prints ). And then, when I did call in, by now my first question was just this, Why was I unable to do online, why was I required to call in. 

Much to my surprise, she was unable to answer my question without first verifying me. I then inquired WHY did I need to be verified for a general, non-account-specific question? Long story short, she was going to transfer me to tech support. I stated " Tech support doesn't make your corporate policy, that comes from management... they only right the code required to implement/follow policy. '' She then transferred me to another person ... This XXXX lady 's answer to my question was, " because that's our policy! '' She further, rather rudely, informed me " Your company can make their policies, but we have ours. '' This is very true, and I fully agree every company/business needs policies and procedures. However, they should make sense. Requiring someone to verify before answering a GENERAL, NON-ACCOUNT-SPECIFIC question makes absolutely NO sense! Also, " because that's our policy '' also does NOT answer the " why '' the policy question! She then transferred me to <someone>... I held awhile waiting and finally hung-up! A TOTAL waste of my time on this entire phone call, and I still don't have the dispute filed yet... it would've been done long ago if I could've done online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX This is a complaint against Quicken Loans on two matters involving Breach of Contract/Failure to perform after demanding fees and being paid for the services. Quicken loans has previously been contacted on these matters. 
1. Quicken Loans, LLC., of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, refinanced three properties for me and my husband in XXXX XXXX and to date has REFUSED/FAILED to record associated deeds and other recordable documents despite charging fees for and being paid for the recording, and for forwarding the recorded documents to us, thus exposing us to legal perils of non-recordation. 
By comparison, prior loan owners recorded and provided us re-conveyance documents within 6 weeks of loan closing dates. 

One property with loan number ending in XXXX closed on or about XX/XX/XXXX. Second property with loan number ending in XXXX closed on or about XX/XX/XXXX. The third property with loan number ending in XXXX also closed or about XX/XX/XXXX. Documents attached. 
We fear that Quicken Loans will transfer the loans to other servicing companies who will claim they are not a party to collecting fees and recording documents thus allowing Quicken to CHEAT us of fees we paid and expose us to legal fees to get the deeds and other documents re-prepared and recorded. 

2. Quicken Loans, LLC., of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, refinanced property with loan number ending in XXXX for me and my husband that closed on or about XX/XX/XXXX. 
Quicken Loans collected prepaid interest and fees in exchange for skipping mortgage payment for XX/XX/XXXX. But Quicken Loans failed to pay off the loan as scheduled. Consequently, we paid our mortgage for XX/XX/XXXX to then servicing company including the interest and fees for which Quicken charged already charged and collected. Thus, Quicken Loans forced us to DOUBLE PAY interest for XX/XX/XXXX and Quicken Loans refused to REUND it. Document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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.

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 2023-06-08
Company: Experian Information Solutions 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:
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.

The letters are stated with items and issues.

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 2023-05-03
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:
I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I determine the accounts listed below be removed because according to 15 US C 1681 : I have the right to privacy and I did not give Equifax within permission to furnish the accounts Equifax Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : XXXX XXXX XXXX Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : XXXX XXXX XXXX Condition : XX/XX/2023 XX/XX/2023 XX/XX/2023 Responsibility : Individual Individual Individual Remarks : Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1100.00} {$1100.00} {$1100.00} Type : Credit Card Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$180.00} {$180.00} {$180.00} Type : Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> unkown XXXXunkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1600.00} {$1600.00} {$1600.00} Type : Charge account Charge account Charge account Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend XXXX> unkown XXXXXXXXunkown

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-03-21
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2022-08-08
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX with an alleged Balance of {$760.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received an email offer related to my Citi/XXXX XXXX XXXX XXXX. The promotion said that if I opened a Citi XXXX XXXX XXXX account and made a deposit into the savings account and left it for a period of time I would earn XXXX XXXX miles. 

The email I received had the terms and conditions in the body of the email, which stated : " ... deposit New to Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn ... bonus miles. '' I chose to deposit {$10000.00} when I opened my account, by clicking the link from the email on XX/XX/XXXX. 

On XX/XX/XXXX I withdrew my {$10000.00} deposit since it had been 60 days since I had made my deposit. Which according to the terms in the email I received should have entitled me to XXXXXXXX XXXX Bonus Miles. I waited several months for to see if the points would post to my account but they never did. 

In XXXX XXXX XXXX I contacted Citi explaining that I thought they had made a mistake in not giving me my award miles. They launched an investigation and that is the first time they sent me a letter stating that the terms of the deal actually were that I had to leave the funds in my account for 90 days. I appealed the decision because no where in the initial terms in the email had it said 90 days, in fact it clearly states 60 days. The appeal listed new terms I had never seen and nowhere was the 60 days reflected as it was in the email, only 90 days was referenced. 

I have appealed this twice more, both times stating that I had a copy of the email that contained the original terms stating that I only needed to leave the funds for 60 days. No one has ever contacted me asking to see the email, they simply restate the letter with the terms I have never seen before that state 90 days. 

I feel like this was a bait and switch on the terms and I am entitled to the miles as I followed the terms as they were outlined in the initial email I signed up on.

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 2023-07-06
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX was informed XXXX XXXX that Discover card was reporting the wrong balances on my credit. After months Discover finally admitted that they were reporting the wrong balance, and that they were charging me for money that was paid to them and money that was returned to the count per unauthorized charges with interest intact. 

The {$1400.00} Discover has credited the account is a part of the inaccurate balance that they have been claiming was debt or credit to the credit bureau owed to them for months. 

When I asked Discover to admit this to the credit bureau they came up with excuses and lies telling me that their inaccurate report did not matter and for me to have creditors call them to let them know they made a mistake if I needed a loan. They have been recorded telling me that what is written in the credit bureau does not matter. 

I began not to trust Discover and have recording XXXX of everything they said to me, which confirms the accuracy of all that has been stated.,. 

The damage Discover card did could have been fixed early on if XXXX had properly disputed and researched the credit amounts that Discover stated they issued, when they did not issue nor ask my permission to increase my credit line. Discover card abused my trust. Discover literally took money from my bank and claimed it was credit issued to me by Discover then reported my money as debt to the credit Bureau, which is illegal and was never authorized by me.

Company response to consumer: Closed with explanation