BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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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 2022-07-23
Company: Affirm Holdings, 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 have never Applied for any loans with Affirm or never did I used their services. I am a victim of identity theft, and these two affirm accounts keep reporting on my credit file. Which is violating my rights under the Fair Credit Reporting Act 15 U.S. Code 1681s. I have contacted this company Affirm and they told me the person only needed the last 4 digits of my social security number to apply for credit which is insane. I explained to the agent I spoke to with this company Affirm that I never applied for an affirm account and this is unauthorized and fraudulent on my credit profile. The agent with affirm told me that this account will be removed off my credit profile within 5 days and it's going on over four months and they are still reporting. As an Identity theft Victim, under the 609 ( e ) of the FCRA I am entitled to a copy of the transaction records which I have requested and still did not receive anything from Affirm. I have reported the theft of my idenity to the Federal Trade Commision and will be seeking statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I declare under penalty of perjury ( under the laws of the United States .if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge further. I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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 2022-12-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was contacted by XXXX to have my business account set up but could not verify my navy federal bank account I was told to call technical support for assistance, while on the phone with tech support my IP address was hacked and the hacker who stated they were from XXXX customer service hacked my XXXX and transferred {$4000.00} out of every account I had listed on my XXXX and also opened an credit card account in my name, not to mention my Id was lost/stolen at the hotel in XXXX a XXXX before, the bank provided provisional credit then reversed the provisional credit which was from my understanding protected funds they were mine my sons XXXX back pay. Mind you the bank was notified immediately as I seen money leaving the account, Navy federal told me they seen the hacker trying to go in my account 5 times after I reported the accounts hacked and the were frozen immediately, not days later immediately! Navy Federal Credit Union has not only defamed my name and character by accusing me of being apart of this cybercrime scam, which is XXXX XXXX  counts on the hackers, they have lied multiple times about not being able to take my son and I XXXX check, at which we are completely without any money while they stated they were in investigating the appeal, however Navy Federal CU is calling me threading to close my account and is still demanding money from me. Also, Ive been back and forth to the XXXX, ga branch asking for answer, but getting nothing but the run arounds. I explained I have nothing at this point and I cant even buy my son anything for XXXX, the Navy Federal Credit union brand assistant manager stated aw Im sorry, Im sure your son wants the world for XXXX in the most nasty way I just walked away crying. I was hack through an tech support application, all my money was stolen I have text messages, recorded calls and police reports to prove I was a victim and I would like to stopped being treated like a criminal and like my money doesnt matter and have Navy Federal put my money back that is owed to my son and I. I would like to be taken seriously and not be treated as if Im a criminal and I do not matter in my financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
CD opened on XX/XX/XXXX with WELLS FARGO. 
CD at Wells Fargo over XXXX years. XX/XX/XXXX the date " Grace Period '' ended was on a XXXX and I was told business days were not applicable for the " Grace Period '' and I am sure that information was available when I initially opened the CD. I called Wells Fargo on XX/XX/XXXX, on hold for about XXXX minutes with calling and transfers. Branches are not allowed to give me my rate over the phone????. After these transfers to various departments I was told NEW RATE of XXXX. While on hold I checked Wells Fargo website, it listed 3.5 % for a substantially lesser $ $ amounts than my CD. 

XX/XX/XXXX I took a day off work and traveled a XXXX, SC branch. They indicated that I would have to close old CD and open new CD. 

I received {$54.00} less than I initially deposited XXXX years earlier. So WF used my {$200000.00} for over 2 years and I owed them {$54.00}. 

That is a great endorsement for that bank. Ha Ha

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 2022-03-12
Company: Experian Information Solutions Inc.
State: VA
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 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

XXXX ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-08-12
Company: EQUIFAX, INC.
State: VA
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in XXXXection 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Around XXXX in XXXX, I had my identity stolen by a hacker who then accessed my XXXX Bank account and somehow reversed all my transactions and took the money. The issue was resolved with XXXX, but now, years later, I am struggling to resolve my issue with XXXX XXXX XXXX XXXX the stock trading app. The hacker had also reversed multiple deposits that I had made from my XXXX account into XXXX, resulting in them freezing my account and leaving me in an account deficit of {$10000.00} on their application. XXXX told me I needed to pay back that defect before they could unfreeze my account. I had some stock in XXXX at the time, So, in an attempt to unfreeze my account I sold my ethereum stock on XXXX, on XXXX XXXX, XXXX am, XXXX ETH at {$3500.00}, with a total notional of {$11000.00}. XXXX accepted the {$10000.00} and cleared the defecit, after which I expected to at least be able to withdraw my remaining {$1700.00}. The issue is that the day after I repaid the defect, they then locked out my account completely, as well as rejected all my support requests, and didnt allow me to withdraw my funds, to this day. I followed their instructions, paid them back their money, and then they fooled me. I would like some help with this issue now, in XXXX. I believe the CFPB is my final resort to resolve this and I hope the ones reading this take this matter with good faith and do what they can to help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PACE Funding Group, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied with PACE to finance my air conditioning/ heating system for my condo since my heater was deemed inoperable by XXXX XXXX XXXX and XXXX . PACE was recommended by my Contractor at XXXX. After applying PACE asked for various documents including loan documents for my second mortgage and also lien statements from my lender showing that the previous second had been paid off through refinancing. I had a previous loan through a similar home improvement lender for my windows which I had already paid off. My credit score was XXXX with XXXX- Good and PACE required 2 months of bank statements which equaled verifiable deposits of {$10000.00} each month. 
PACE requested more documentation focusing on my XXXX XXXX Mortgage. I was affected by COVID-19 and lost my position with XXXX which was XXXX XXXX XXXX. I called XXXX XXXX immediately after losing my job in XXXX and I was stuck at home with my kids since the school closed. I was offered a 3 month deferral on payments since I lost my job. I never spoke to an agent and was offered this option immediately when I signed on to my mortgage account online. The verbiage stated the deferred payments were due at the end of 3 months or could be added to the end of the loan. I took the option and planned on resume my loa. payments in XX/XX/2020. PACE informed me that since my loan was in a Foreberrance/Foreclosure status PACE was unable to offer any financing. I called XXXX XXXX XXXX  immediately and tried to discuss with them any options to have this damaging items removed off of my credit. XXXX XXXX assured me that I was protected under the " Cares Act '' and the credit bureaus were not reporting negatively against my credit or credit score. They assured me that I was protected against adverse action or discriminaction against creditors. I explained that PACE wanted documentation showing my deferment agreement but they reassured me that I was protected under the " Cares Act '' and it shouldn't be a problem. PACE refused to offer me credit based on my position at XXXX being terminated and I qualified under the " Cares Act ' for a deferment of a few mortgage payments. The mortgage had consecutive payments for 60months + prior to this deferral. Please investigate business practices and automatic denial of credit based on COVID 19 and protection of consumers under " Cares Act ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This involves both the bill pay feature of a checking account and a VISA account with Bank of America. Bank of America puts bill pay requests " in process '' before the " pay by '' date, making the money unavailable to the customer. At the same time, it has begun making electronic transfers to vendors after normal business hours on the " pay by '' date. Also at the same time, it has stopped crediting electronic payments to its VISA accounts on the day those payments are received, but instead credits them on the next business day. Through this process, it has increased its float on both the bill pay feature of checking accounts and its credit card business and has charged interest on the period between when the VISA account payments is received and when it is credited. These amounts may be de minimis for any single customer ( I was charged {$1.00} interest which was refunded without even being asked for an explanation ), but given the number of transactions involved, this amounts to a considerable transfer from customers as a group to Bank of America.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After completing an investigation of my consumer reports I noticed a few inquiries that I did not recognize, authorize, or consent too.

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 2019-08-23
Company: Global Credit & Collection Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have not talked with the company yet. My manager sent an email and I was told that they called my job today around XXXX. No other details given by her accept the name and number. We are not supposed to get personal calls and Ive had scams linked to old online payday loans contact my job. Feels about the same. Paid off majority of my sincere old debt ( I.e. credit cards, personal loans like XXXX XXXX ), so whomever this is can not contact my workplace by law anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called today XX/XX/XXXX  at XXXX asking for me, Mind you they have been calling for the past couple of weeks They asked for me I said yes what do you need they claim they are deby collection for UCB and they wanted me to verify my date of birth and address I would not give them that sensitive information over the phone nor will I ever. I asked them If they were legit then send me a letter they claim they don't have my address. well if they are a creditor they can get it from the creditor. I don't know who they are or what they want But I want them to stop calling me ASAP please I'm mourning the death of my father I will not be harrassed day and night over a bill. Please asked them to stop calling me thank you

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