BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXXXXXX XXXX. ACCOUNT # XXXXXXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX LXXXX XXXX. Account # XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
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:
I HAVE FRAUDULENT INQUIRES ON XXXX, TRANSUNION, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : 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 2019-11-22
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ROBINHOOD MARKETS INC.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried multiple times since XX/XX/21 to transfer a cash balance of {$570.00} from my account with Robinhood to my personal bank account. Each time the web transfer fails. Ive messaged Robinhood multiple times with no response or a robot response that does not address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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:
I tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it investigated and removed from 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 2018-11-26
Company: LDF Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, I applied for a payday loan through amplify funding. After I was approved for the loan, I realized that they were not licensed to do business in Indiana, and that they are breaking the Indiana law as it pertains to payday loans. The first one is that they are only allowed to lend out up to 500 dollars. They lent me XXXX dollars. The other law they broke was the interest rate. State law sets the maximum interest rate at 390 %. Amplify is charging me an interest rate of 768.3 %. Amplify funding is expecting over 500 dollars a month which I can not afford. I have already paid {$560.00} and my principle is still at {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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:
there is Incorrect information on my credit report I would like removed. I am being hit by experian for a hard inquiry on XX/XX/2019 from XXXX XXXX XXXX. Under the fair credit reporting act I have asked XXXX to show me any proof that I made any type of Inquiry with my signature from there bank which they have not showed any proof as I did not do this. I would like to have this Inquiry removed as it was never authorized by me and was fraud. I would also like this removed from any other credit companies that have this false 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 non-monetary relief
Consumer complaint received 2019-11-22
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM SALLIE MAE, NAVIENT IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). XXXX  HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH XXXX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE.

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGE

NCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 2. A COPY OF IDENTITY THEFT REPORT. 3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ACS Education Services
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Debt collectors at ACS have been predatorial in their behavior toward my girlfriend, XXXX XXXX, repeatedly calling in morning and night hours hounding her to pay bills they claim to be past due ( even though they aren't ) after her father passed away six months ago.

Even after mailing them the death certificate, setting up direct deposit and taking the necessary steps needed to reasonably deal with the loan, the collector continues to call and not recollect these conversations after repeatedly being told the same thing. 

The language this debt collector has been abusive, misogynistic, hurtful, and abhorrent in every sense of the word. It's one thing to try and talk down on others, it's another to make light of a family member 's death. The debt collector should not be allowed to be employed by ACS or any other credited financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposit a large amount of money i won from a worker comp case in the amount of, XXXX ON XXXX XXXX,2016 ii need to be secure in knowing i did n't get erorr on this account.

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 2022-06-13
Company: EQUIFAX, INC.
State: IL
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:
As a consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Equifax created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Equifax. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Equifax is disclosing is forcing me to lose confidence in the banking system because of Equifax credit reporting methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2019-10-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Card closed my account for inactivity. I had not used the account since last XX/XX/XXXX. I explained to Customer Service that I always made my payments on time. I always use this account for larger purchases and I had not made any large purchases in the last year or so. 

The other two reasons Discover Card listed. I have high balances on outstanding cards. All with 100 % on time payment. I only use a few cards to manage my credit. At 23 % interest the Discover Card is not my first choice for day to day transactions. 

Also Discover Card says I have no installment loans. I own my car and my {$900000.00} house is mortgage free. How is that bad? 

I asked to speak to the Retention Department. They informed me they could not help since the account was closed that the notice had already been sent by mail on XX/XX/XXXX. I told them I had not received anything in the mail - that the email was my first notification. I received an email on XX/XX/XXXX with the news. No mail was delivered on XX/XX/XXXX due to Legal Holidays. The email was my first notification received at XXXX XXXX CDT. I called Discover Card immediately. 

I have had this account for 6 years. By canceling my account - which is in good standing - never late with a payment - the reduction in my overall credit amount available of {$14000.00} hurts my credit score for future prospective creditors to examine.

I am not hurting my credit score - Discover Card is hurting my credit score - Unjustly. This will cost me money on higher interest rates in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: OH
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:
consumer reporting agency reporting incorrect infomation

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 2022-06-13
Company: Net Pay Advance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I updated my bank account to XXXX XXXX XXXXXXXX but they sent it to wrong account to a previous account I had and I called and asked them to stop and they said nothing cant be done but they say nothing cant be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24
Company: SYNCHRONY FINANCIAL
State: IL
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 my paypal credit account ; as I was checking my balance statement this morning XX/XX/XXXX, I noticed a finance charge of {$9.00} for XXXX for a cash advance. i had received a cash advance from paypal credit back in XX/XX/XXXX, i believe for either {$600.00} or {$650.00}. When I saw the finance charge this morning i connected with live chat and chatted with XXXX XXXX ; i asked what was the remaining cash advance principal, how longer will i be paying for it, how was the principal reduced when i made payments etc. he checked and found out that the cash advance balance was paid off in XX/XX/XXXX ; but i was being charged a cash advance finance charge for the cash advance still! thru XXXX! he reversed the charges he said ; the reversed finance charges supposedly would show in my balance in 48 hrs., he said ; i hope it's the truth. when i asked how this happened he said there was a glitch! he also said that he escalated the case so this would not continue to happen ; i dont believe him! i lost all trust with paypal credit ; how many other people has paypal charged illegal finance charges? this is terrible!

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 2018-06-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After trying to reach a resolution with Navy Federal Credit union, it seems that in their previous response no answer was given on the steps being taken to remove these accounts from my name and the identity theft that has occurred. Previously i tried to notify Navy Federal Credit Union, that i have not ever applied for Membership with their Credit Union. I did not apply for any credit cards, and i have not applied for a checking or savings account. These accounts were opened as a result of Identity theft. I will attach the FTC Report. Navy Federal isn't taking any steps to resolve this issue and as a matter of fact they think its more or less a joke. I do not find Identity Theft a joke and do not find it funny. I even notified them by letter that i was a victim of ID theft and that i believed accounts were opened in my name. Additionally i did not allow permission for anyone to add me as an authorized user on any card this is also fraudulent. I notified their credit union promptly. Nothing has been resolved and they are showing two charged off cards and one card on my credit report as an authorized user. I did not use these cards to benefit. I did not apply for these credit cards or membership this occurred online. I did not give authorization for these credit cards. I want this resolved. You already attempted to send the Police department to my home for Elder abuse? This again is harassment first of all, the cop was stunned to learn that the person you said i was alleged abusing doesn't even live in my home. I advised the police officer that, and also advised Navy Federal has caused harassment to me and my entire family. This is the third case of Elder abuse they attempted to turn me in for, and lost every single time. Stop trying to harass me and my family. Remove the fraudulent accounts from my name and my liability. I do not care who your director of security " XXXX '' is and i do not care he used to be a police officer as he stated to my mother, and once again threatened her to visit her home. Then advised her he will turn me and my mother in for Elder Abuse. He attempted to do so and had the police department come to my home on false accusations. Again this is harassment. You can't send police to my home when you have no applicable cause. I want the CFPB to look into the way Navy Federal is treating people, especially victims of Fraud they treat them like dirt and harass them, threaten them and even go as far as to show up to your home. This is scary and you should not have to feel threatened from a Financial Institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account with the account number XXXX was opened with their company on XX/XX/2022. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from CAINE & WEINER via certified mail XXXX # and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the XXXX XXXX XXXX XXXX XXXX CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

XXXX. Provide the XXXX XXXX XXXX. 


Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Is there something attached to my personal information where I'm possibly linked to someone or something? No matter what falls off my credit or how I'm in process of repair. For 3 years straight. Everything thing I apply for, even the most redundant application, is always immediately an out right NO. It's affecting my life in the most detrimental way and having huge negative effects on XXXX XXXX. Enough is enough. Please advise if I am under a redflag or list that blocks all approvals. Or please advise. I have reviewed most credit reports and don't see anything life altering. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: OR
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 froze my credit as soon as Equifax data breach was reported and I found out I was hacked. I did not get a PIN number for my credit freeze. Equifax needs to help people like me get our PIN number. Equifax should be punished for their careless regard for our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  the following accounts violated my rights : XXXX XXXX  # XXXX XXXX XXXX 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 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