BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had perfect credit with only on account with a 30 day late ever and I went to check my score with XXXX and I think my vindictive ex-wife XXXX that I had removed from my report, reported me as deceased because I had her removed as my wife from my report. I looked into it and in order to legally inform creditors of a person being deceased they must send in a certified copy of my death certificate and since I am alive that would be impossible. I am requesting that it be immediately corrected by my creditors or I will sue under the fair credit reporting act. I understand that evil people can do these things but the safeguards of the Act must be complied with to protect consumers so they are not burdened by these measures. Since of course a creditor would not do this deliberately without an adversarial person making the illegal disclosure, I am willing to waive my claim against them as long as my credit score is returned to where it was before the false reporting of my death. 

/s/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 2017-01-17
Company: MoneyLion Inc.
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called this company regarding this account that I am unaware of. I am not sure what XXXX is. At that time I was advised that a copy of the lease would be mailed out however it never was. I then sent a certified letter to this asking them to provide me a copy of the lease agreement to date I have not received a response. I contacted them today and spoke to a rep who acknowledged that they received the request and I just have to wait until the original company provides the lease. She was very rude. I informed her that the 30 day time period has pass and asked for a tentative date. She refused to provide any information.

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 2017-04-10
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I graduated in XX/XX/2002. My loans were consolidated with XXXX which is now Navient. I have had to defer my loans at times due to financial hardship ( jobs at minimum wage, worked for XXXX at XXXX a year, laid off etc ) but I have NEVER been in default. For 15 years I have paid and I owe more now than I borrowed. Now I ca n't buy a home despite my XXXX credit score because of my student loan debt. The bank actually told me it looks like there is no end to when I will pay off the loans so they wo n't lend me money. I am living with my parents at XXXX and am so unhappy. I 've ALWAYS made my payments when I had money to do so and continue making payments. When I reached out to Navient - I got an email saying I HAD to pay my student Loans and I best not go in default etc - NO HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX of 2021 I tried to purchase material using funds from my paypal merchant account to cover fees and purchase for my small business. Paypal denied the purchases with no explanation. I then tried to transfer fund to my approved account for the same purchases. Paypal sent me a notice that all my funds were on hold for 180 days. After the 180 days, my funds were to be available. On XX/XX/2021, with no explanation, paypal stole my account balance and classified it as payment to cover their fees and damages. They stole {$2000.00}. They won't let me submit a resolution claim for the fund they stole after I tried to make a purchase nor will they give me an itemized receipt of the alleged fees they have charged. It seems predatory that they only charge the balance of my account for their fees after promising to release the fund within 180 days from the initial attempted purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CCS Financial Services, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid this collection and would like it removed from my credit report as it is reflecting as a negative item.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/23 I lost my Prepaid debit card. I last used my card at the Post office. {$4.00} earlier that same day, that may be where I lost my card. I eventually went home and realized I lost my card. I immediately called to get a replacement card. I then realized that someone found my card and was using it without my permission. I followed the instruction of the representative and soon filed dispute. ( XXXX ). I was told I would receive a provisional credit in 10 days while they investigated my dispute. The unauthorized transactions were : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX  {$23.00} on approximately XX/XX/23 The bank decided to close my account, refund me the remaining balance that was left in my account after the fraud {$8.00}. And stated no error occurred and I would not be receiving any refund from the dispute I filed. I have since then made several calls and asked for the documentation they used to come to their decision, but I have not gotten any satisfactory answers. I followed all the bank 's protocol for losing a debit card, ( I notified them within 5 hours after losing it. ) I filed a dispute once the transactions posted to the account. But yet they are denying my dispute and closing my account. I think that is very unfair.

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 2016-02-02
Company: Pinnacle Asset Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per NYS law, paid collections over 5 years old must be deleted, and the credit bureaus are not following the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly atates that 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 an account without my written instructions.

16 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immadiately as you are in direct Violation of several lawe under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: National Arbitration Forum
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Son - I received a subpoena in the mail stating that I owed {$470.00} to XXXX XXXX XXXX and they were going to take me to court if I did not pay them {$270.00}. I called them and told them that I did not borrow the money, they told me that I still owed them the money and that I would have hire a lawyer to prove that the account was n't mine and that the attorney would cost more than the money I owed. I tried to borrow the money from my mom and she said that she would check into this, that I should not pay for something that I did not do. 

Mom - I checked into the phone number and realized that it was a scam wherein the company was trying to exhort money from my son by threatening him. I called the company on the letterhead and told them that I knew this was a scam and not to expect money from him, they claimed that my son told them that he borrowed the money and agreed to pay it back. They also claimed that they did not threaten him, if a law suit is not a threat, I do n't know what one would be. I also called XXXX XXXX XXXX and they have no record of him ever borrowing money from them. I do not know how they got my sons information but as they has his name, address and last XXXX of his social security number.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
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:
I contacted XXXX, Experian, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as XXXX XXXX Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. Experian stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to XXXX XXXX. I never received anything from the bureaus or XXXX XXXX. Today Experian alerted me that XXXX XXXX added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.

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 2022-01-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX/Cardinal paid the wrong insurance company my escrow. They have not paid my correct insurance company. Now my insurance company is threatening to cancel my policy due to non-payment, even though I had money in escrow to pay my bill. I have since put a SECOND payment into Escrow while I wait to be reimbursed by the company that was paid in error by XXXXl/Cardinal and they are letting my policy be cancelled by not paying the bill. I asked to no longer have my insurance escrowed to prevent this from happening again and they are saying no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Southwest Credit Systems, L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
SOUTHWEST CREDIT SYSTEM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried obtaining a credit report from TranUnion I submitted all the required documents and paperwork. I dont have a driver license, utility bill or SSN card to send transunion .IXXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Kentucky . Someone else used my SSN and got credit in my name so Im trying to disputes all negative things on my credit and get free report sent to me but running into issues and barriers.

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 2015-05-14
Company: Enhanced Acquisitions, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
i took out a pay day loan in XX/XX/XXXX and could not pay it back with XXXX in XXXX sc in XX/XX/XXXX i get a call that from the XXXX and was told to talk to XXXX and he said i need to pay them or it would be a law sute in court i ask for proff to be sent to me in the us mail he said no we donot have to do that i then set up a payment plain to pay XXXX in XXXX payments i did the XXXX XXXX payment of XXXX and the last one was due in 2 weeks i could not do i get call from them on XX/XX/XXXX that my file was going to be sent over to sc for me to go to jail

Company response to consumer: Untimely response
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. Transunion and XXXX  are still reporting these accounts with an outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX You are in direct violation of The Fair Credit Reporting Act ( Truist Bank XXXX ), and has violated several of my rights.

15 USC 1681 section 602 A. clearly states the 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 written instructions.

15 USC 1666B : a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this immediately as you 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 2023-03-09
Company: EQUIFAX, INC.
State: MS
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:
Equifax is continuously getting this account wrong this account is closed the other two credit bureaus got it right the Equifax keep getting in this wrong my account with dream spring is closed it is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XXXX XXXX I received a letter from a collection agency ( XXXX XXXX XXXX XXXX of XXXX, CO ) that claimed I had taken out a loan and failed to repay it. The loan was from Cash Central which I discovered ultimately was a subsidiary of Community Choice Financial in XXXX, OH. I called XXXX to indicate that I had not taken out such a loan and that if they continued I would like proof including a signed contract, bank account numbers where the loan was deposited, etc ... They refused. Because this group clealry appears to be a payday loan company that will give money to anyone with a social security number and the ability to click a box on a computer, I filed a complaint with the BBB in Ohio and Colorado. Today, I received an email from Community Choice asking me to fill in several documents and to obtain an  affidavit from the police that my identity had been stolen on a loan that was allegedly made XXXX XXXX, XXXX. I am not alleging identity theft but simply that they have provided a loan in my name without sufficient proof of my identity. I called them today to ask for documentation and they were rude and refused to answer my questions or do anything without me filling in pages and pages of documentation for something that has nothing to do with me. This company clearly has inadequate financial controls and underwriting processes in place. Had they simply checked my credit report and asked a few questions the loan never would have happened.

Company response to consumer: Closed with explanation