BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Lending Club Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX5 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 160XXXX ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a court date that I was not aware of in time and could not appear. The debt collector sent a person to my house over XXXX when I had family over and we were celebrating the holiday. The process server was at my door at night so we did not answer the door. Then she came to the door in the morning. When I read the summons, the court date had passed. They called me every day at XXXX XXXX  for months, from XXXX to XXXX and when I would answer the phone, they would hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My name is XXXX XXXX My address : XXXX XXXX XXXX XXXX, XXXX  XXXX Amount : {$600.00}. 
DISPUTE CASE ID - XXXX XXXX Dear SIR or MADAM on Consumer Financial Protection Bureau! 
IN XXXX, everybody had XXXX ( Economy impact payment as rapidly as possible ) but i did not receive the card... 
On XXXX, XXXX i find out i quality to have the card but why didn't have the card. 
Check on old email, i find out the stament ... someone steal and use the card ... because all transaction unrecognized.. i call for customer service... than ... find out ... they SEND WRONG ADDRESS!! 
The address they delivered was XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX. My address without XXXX XXXX. 
This situation is not my fault. Because WRONG address < i dispute all transaction in this account because NOT ME! I DID fill out the dispute form and explained they send WRONG address ... they are DENIED my case.. with reason " i did not provide enough information to support the case.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
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 recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX  # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2023-12-05
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The company involved is robinhood. I have been using robinhood for a while now, around XXXX we decided as a whole family to invest in cryptocurrency. Me being the XXXX son decided to use my robinhood account to invest. On the XXXX of XXXX I made an ACH transfer of $ XXXX from my XXXX  total checking account to my robinhood account. On the XXXX of XXXX I made another ACH transfer of $ XXXX from my XXXX  total checking account to my robinhood account. Then finally on the XXXX of XXXX I made another ACH transfer of $ XXXX from my XXXX  total checking to my robinhood account. The following week the ACH transfer I made was already available in my robinhood account. So I purchased $ XXXX worth of XXXX and was going to send out, immediately I got a message saying you cant send out crypto at the moment The next moment I saw a displayed card saying * account restricted*, saying I should verify my identity using my ID card and I should do a selfie verification, which I did immediately. 

Another display card popped up saying I should provide a recent pdf bank statement of the account linked to my Robinhood account. I contacted my bank and they said the statement for the month is not available yet, I had to wait for 2 weeks before the statement was out. 

During the wait period I was able to withdraw $ XXXX back into my XXXX  bank account, I tried to withdraw another $ XXXX the next day because there is a daily withdrawal limit of $ XXXX but Robinhood didnt allow me anymore. 

Finally the statement was out and I was able to provide them with a recent pdf bank statement, so they said they are reviewing my account, I was asked to wait 7- 10 business days. After waiting that long, I was sent an email saying Hi XXXX, We can no longer maintain your Robinhood account. We reserve the right to close accounts in our terms and conditions. 
All funds will be returned if eligible. We are working directly with your bank to return funds. Please reach out to your originating bank for questions. 
At this time, we have no further details available to share. 
We appreciate your understanding. 
Sincerely, Robinhood Support Case ID : XXXX This was all that happened, now they said the money will be back in my account and its not there yet. 


All I was trying to do was to invest and they did me this bad The email address on my robinhood account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: OR
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 U.S.C 1681.

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 2021-09-01
Company: EQUIFAX, INC.
State: SC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person information is in fact inaccurate knows or 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 2022-07-07
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:
Since the middle of XXXX my credit report has been reporting errors and inaccuracy that TransUNION HAS NOT BEEN ABLE TO OBTAINED AND SECURED the correct verification of the correct status of the tradeline for XXXX. From XX/XX/XXXX I have made multiple attempts to be able to connect with the right party who can assist on this matter. The investigations completed on this tradeline have been verified as accurate and then after a re-investigation the information disputed was deleted since transition was not able to verify took it upon themselves to just marked as unknownn because the furnisher was not able to verify the information disputed. Both parties in concert have been giving me the run around and blaming each other for the inaccurate status of the tradeline. I also disputed the information directly with the furnisher via phone multiple times, via cert mail signature required/receipt and to my surprise the person who signed the label does not even exist in the employee directory ; now they are hidding and avoiding to provide the documents that are needed to verify their mistakes in the payment status of the tradeline. My rights have been violated and even after putting both parties on notice, they continue to do so. I am entitled to fair credit reporting and equally among every consumer, I feel ignored and discriminated since nobody seems to be able to fix or care ; hoping that I will go away. I have exhausted all my efforts and now reach out to the CFPB to help on this matter.

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 2022-07-07
Company: HYUNDAI CAPITAL AMERICA
State: ME
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 paid off my loan in full on XX/XX/2021. I called after XXXX days to ask where my title was, and was told it would arrive in XXXX days. 

A month passed and I called again and was told " the account wasn't closed correctly '' and my title would arrive in XXXX days. 

Every single month since then I have called when I receive a statement in the mail and am told the EXACT SAME THING. 

I tried contacting the title department and was told they don't handle those requests and was transferred to XXXX ( my car wasn't leased ) who then transferred me back to customer service who said my title would arrive in XXXX days. 

Now, almost XXXX  months after paying off my car, I still do not have my title!

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 12 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 08 XXXX, 12 XXXX XXXX XXXX XXXX XXXX, 12 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 Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: PA
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 fraud inquiries on my equifax credit file.I have sent a copy of the ftc affidavit drivers license and social security card as required by law. Equifax then tells me the inquiries were deleted but they are still on my report then they tell me to send in the documents again I have sent those documents over and over spending money.when the rep at equifax confirms the inquiries should be deleted instead of deleting them they tell me to send in the same documents. Equifax is by far the worst credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Absolute Resolutions Corp.
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:
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$21000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was a ward of the state of Illinois for my entire childhood through College. I lived in group homes, shelters and with foster parents until I was XXXX. I went to college and graduated. Then life happened ... I was struggling to pay my student loans from the time I graduated in XX/XX/XXXX. Especially in the years XX/XX/XXXX-XX/XX/XXXX when I filed for Chapter XXXX and got my divorce. I was not aware of income based repayments or other options. Navient ( Sallie Mae at the time ) did not alert me of other potions I had to repay my loan. If so I could have taken advantage of them and probably saved thousands in interest..and I probably would not be still paying now 22 years after I graduated. I still owe more than 6-thousand dollars after paying for more than 13 years. I don't believe this is fair. By my calculations I have paid what I owed with and additional XXXX dollars in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX has not giving me proper arbitration on a card which I have disputes on.They have a third party which is trying to take me to court.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 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 2023-12-09
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
US auto sales filed bankruptcy and sold my contract to a debt collector, XXXX XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX I was told they took over. I asked for them to send me a copy of my contract which they could not provide. My vehicle had already been repossessed. I havent been told where my personal belongings are either. I was given one option. That was to pay {$8000.00} in order to receive my title. I was also told that I still owed XXXX on a XXXX XXXX XXXX that was bought in XXXX. The car was {$22000.00}! .. about XXXX XXXXXXXX  monthly.

Company response to consumer: Closed with explanation