BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a notice to cease and desist all communication in attempt to collect this debt unless it is a response to provide me with my specified remedy. This company is required by law to do what I am demanding. I am asking your company to cease all communication with me through any and all mediums in regards to the alleged debt that is claiming to be owed unless you are invoking a specified remedy that I am asking for. According to 15 usc 1692a ( 2 ) - the term communication means the conveying of in information regarding a debt directly or indirectly to any person through any medium. Any medium includes any written, oral, electronic. Therefore my consumer report to which you are furnishing is bearing information regarding this alleged debt which would be a communication under the FDCPA. 

I am hereby providing you formal notice to cease and further communication regarding this account immediately which includes telephone, email, social media and any consumer reporting agency in which you have furnished information. 

Any further contact from your agency except a communication confirming your acknowledgment of any letter or specified remedy is a direct violation of the Fair Debt Collection Practices Act. 

I am also asking for compensation of {$1000.00} for this alleged debt being reported onto my consumer report which is harming my reputation and violation of 15 USC 1692d ( 1 ) any bad debt furnished onto my consumer report causes injury for me to provide for my family. 

If you do not cease communication and remove derogatory information from my consumer report a lawsuit will be commenced upon your company for compensatory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My issue began several months ago when I attempted to take out a plus loan, but was denied due to TransUnion having a inaccurate report of an amount owed to a specific source, and when contacting said source they assured me that TransUnion was incorrect and had no idea where they were receiving this information from. However, after resolving this issue with TransUnion during the initial denial, dispute, ect. they assured me that the situation was resolved. I was also under the impression the issue was resolved due to earning the desired plus loan after my efforts towards addressing this situation. However, I recently encountered the same situation again at the beginning of this week when denied another plus loan for school due to the same exact faulty information that TransUnion allegedly corrected during the first instance of this situation with the incorrect information of me owing that same exact specific amount of money from that same specific source. Additionally, I have attempted to follow the same steps AGAIN to attempt to correct this issue, but TransUnion has been very difficult to work with, via their customer service representatives and their website frequently locking me out as well.

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 2022-03-10
Company: EQUIFAX, INC.
State: MI
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, 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 Dept of Ed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: DISCOVER BANK
State: CO
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/2023, my husband and I both received calls from Discover Bank to verify a wire transfer request. I was at work, and my husband indicated the wire transfer request was fraudulent. The wire was still allowed to go out on the afternoon wire, for {$47000.00}, and Discover had the gall to charge me the {$30.00} wire fee. When I contacted Discover Bank that afternoon, I was told the " best '' they could do is request a wire return, and that it would be up to the beneficiary of the wire to approve the return, despite this transaction being marked as fraudulent earlier in the day. Discover did not utilize two party verification for the initial wire request ( which they have previously required I complete for other wire requests ) and did not freeze the account when my husband indicated it was fraud. Discover insisted that this transaction was not a bank error, and the only option was to request a wire recall marking the wire as " fraud. '' Had Discover properly required 2 party authentication for the wire request, or properly frozen the account when the wire was marked as fraud, we would still have our money. Thus, it is my assertion that this is bank error and was likely an inside fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: DISCOVER BANK
State: AR
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:
After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR.

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
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:
N accordance with Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
please review the accounts below that were reported, without any warning, it is hurting me.

Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

Identity Theft XXXX XXXX  Account Number : XXXX** This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit file has incorrect information being reported to it by XXXX XXXX, a credit card was opened without my knowledge and without my authorization. the account associated with my name without my knowledge or authorization was reported over the credit limit on the XXXX day of XXXX XXXX, causing my credit to decrease. The account was also closed. This company has no proof of any authorization from me to open this account, they just have information that other companies have that someone used to conduct fraudulent activity against me. They are causing me emotional and financial distress. The fact that I was on XXXX XXXX XXXX stationed in XXXX when this account was opened should prove my innocence, I can't open a stateside account in another country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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 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 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 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 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 2020-10-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I currently have a credit freeze on my account as well as my wifes. I have attempted to log into my account for four months and continually receive an error that says they are temporarily unable to complete my request. I have called and used the phone service and it also says it is unable to verify both mine and my wifes dentity. When I was finally able to get someone on the phone, they reset the password on my account and I still get the same error. They claimed that no one else has complained about this error and they cant do anything and he wouldnt look further into my account and told me I would need to fax or mail a request to get the security feeeze removed. I do not have a fax machine nor do I have access to one and I am not willing to put all of my personal information into the mail for it to be stolen or mis delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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:
I contacted Equifax about some unauthorized inquiries on my credit report. The following inquiries are fraudulent : XXXX - XX/XX/2020 Equifax XXXX - XX/XX/2020 Equifax XXXX XXXX  - XX/XX/2020 Equifax I was told to file a FTC report which I did and was given a fax number to fax the report which I did on XX/XX/XXXX and was verified receipt from the fax printout. I called on XX/XX/XXXX to confirm receipt which they stated they had not received. I then sent a copy certified mail on that letter was confirmed receipt on XX/XX/XXXX. Ince again I contacted Equifax to verify receipt which the again stated they didnt receive the document! I have proof they have on two occasions. 
Lastly yesterday they responded with a letter stating the needed additional documents because they couldn't locate a credit file with the identifying information I provided which again is false!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient 's intrest rates are way to high and they will not work with me on repayment. Upon asking several times for options to repay on a payment plan that i could afford, Navient told me that the only option was to go into forbearance and during the forbearance, my interest rates and amounts owed to Navient, were still accumulating. They have not offered anything to me other than the forbearance that has effected my credit scores and made it to where I feel I will never be able to repay my loans. My payments were not applied correctly to my credit reports, showing they were paid on time, resulting again in the drop of my credit scores. This company has made it so that I will never be able to get out of debt and my credit has paid tremendously for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
started processing my mortgage refinance on XX/XX/XXXX with citizens One Mortgage because they were holding my first mortgage. My credit score is XXXX and I only have one credit visa line of {$8000.00} with a XXXX balance having said that, all the requested documentation was sent to them within a month because I am a XXXX XXXX  from XXXX XXXX  serving 33 yrs and with XXXX XXXX XXXX. Well after all the documentation was provided XXXX, XXXX, XXXX, and XXXX still know closing but always excuses but in XXXX they said your loan will be closing soon. Soon was far away so I called after know communication from them returning my call. So, then My rate was locked in and it was about to reach the end date so I had to call them and ask if I would be getting a lower rate because my lock in rate of 3.875 was coming to an end and the loan had not closed because of them but I had to remind them, then they sent me a revised lock in rate at the same 3.875. Moving forward, I tried to get into my account that I presently have with them but to know avail could I go on line to access my account then when I called and I have called many many numbers they all said that I did not have a account with the account number given. However the account numerber is on my mortgage statement that I gave them. But every month they are taking out {$1500.00} via EDT automatic debit from my account. They would not return any of my calls. I have emails proving how many times out of frustration that I tried to have my call returned asking way my loan was not processed and why I could not get into my account. To that end I withdrew my Application on XX/XX/XXXX and still to this day I can not believe they still say my mortgage number is not valid with their company. 
Plus when I asked them to withdraw my application for refinance still they had not even thought of a closing date but my mortgage pmt is always debited on the first of the month. 
and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
There was a XXXX  loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
I checked my Experian credit file and found 3 personal loans taken out in my name from the company " XXXX XXXX ''. The XXXX personal loans were taken out on ( 1 ) XX/XX/2022 ; Balance : {$770.00} ( 2 ) XX/XX/2022 ; Balance : {$510.00} and ( 3 ) XX/XX/2022 ; Balance : {$800.00}. After speaking with Experian, they have indicated that the address associated with the three loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, XXXX today, and they could not provide help regarding the three loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. 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
Consumer complaint received 2022-08-19
Company: LEXISNEXIS
State: PA
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 Attempted to access my LEXISNEXIS consumer file but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from LEXISNEXIS to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE 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:
There was a student loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

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 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 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