BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 i sent letters to XXXX, Transunion and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-03
Company: Experian Information Solutions 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:
On XX/XX/2022, i requested a home mortgage from XXXX XXXX Mortgage, XXXX. A company named XXXX XXXX appeared on my consumer report on XX/XX/2022 and again on XX/XX/2022. When i spoke with a manager from XXXX XXXX Mortgage XXXX XXXX, she informed me she was pretty sure its the credit scoXXXX. I cant find information on the company and she, XXXX XXXX, stated it was a XXXX XXXX and XXXX XXXX Mortgage, XXXX falls under the umbrella of XXXX XXXX XXXX XXXX I asked her since there was no exchange, if they could remove the inquiry. She said no This is unauthorized use of my credit card. Theyre reporting on my consumer report and I received no benefit. If anything, this may damage me when I apply for another as my family needs a home.

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 2023-02-24
Company: CCF Intermediate Holdings LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Today on XXXX XXXX my wife got a notice in her private email that I had a payday loan payment due for {$570.00} that supposedly had been originated on XX/XX/2023 at SpeedyCash. I was at work and not even available at that time. So obviously it was not me that created the application. Further, when we called to verify information, we were told the phone number and drivers license number did not match the rest of my information that was used. But, the account was fraudulently created anyways even though that should have created a huge red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After canceling my subscription with XXXX in XXXX 2022, they illegally charged {$640.00} towards my Paypal account for renewal due in early XXXX. After discovering that PayPal paid this fee, which sent my account into a negative balance, I contacted both my bank and XXXX about this illegal transaction. XXXX refunded my PayPal account, then I removed all my personal information from the site and never used it after that incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I got a call from someone with an accent saying that I needed to give him money because someone had gotten into my XXXX account and I needed to fix it. I went to navy Federal credit union and the person on the phone walked me through transferring money from my money market account to my checking. He then had me wire {$15000.00} to someone in Florida. My wife found out and called the credit union that day and tried to put a stop on it. They said wire transfers were like cash but they would try to get it back. They called the receiving bank and I guess it was up to them if they were able to stop this transfer. We also made a police report. We talked to the people from Navy Fed up to last week and have not heard from them, I assume they couldn't get the money back. The man with the accent called me and my wife continuously for days trying to get us to give him some confirmation number that the wire had gone through, but we didn't give him anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!

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 2019-03-19
Company: A.R.M. Solutions, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not RENEW my subscription with XXXX  XXXX, yet they sent an erroneous billing to collection agency A.R.M. Solutions, INC. XXXX XXXX XXXX XXXX XXXX CA XXXX. I owe XXXX XXXX nothing since I did not renew.

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 2021-01-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I asked chase for a {$75.00} chargeback for items not received. I payed someone {$75.00} as a deposit for a gaming system. The person never responded afterwards and never responded to my refund requests. Chases website says they protect against items not received. This is exactly what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: SYNCHRONY FINANCIAL
State: CA
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 never applied for an Amazon credit card through Synchrony Bank. They hit my credit with a hard inquiry 14 months ago. I was told that Synchrony bank would remove the hard inquiry and it has NOT BEEN REMOVED!!!

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 2018-10-11
Company: ERC
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: Information belongs to someone else

Complaint:
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I underwent XXXX. The following day on XX/XX/XXXX to, I had a police officer, call me from the XXXX Police Department number. Claiming that I had missed a trial date in which I was supposed to be an expert witness for. The trial had to be postponed due to this, resulting in a to, I had a police officer, call me from the XXXX Oregon Police Department phone number. Claiming that I had missed a trial date in which I was supposed to be a expert witness for. The trial had to be postponed due to this, resulting in a judge filing a failure to appear charge. I work in the XXXX XXXX XXXX XXXX XXXX, so it wouldnt be unusual for me to be a expert witness. Recently, I had submitted reports to DHS about several of my XXXX parents. I thought this court case most likely had to do with these reports. I was instructed that I would have warrants out for my arrest if I did not pay the fee of this charge. I was on XXXX XXXX, and was exhausted from XXXX the night before. I was under the XXXX XXXX XXXX XXXX, as well as coming off XXXX and ended up paying this police officer {$2000.00} with XXXX, as well as {$500.00} on Venmo. 

Me and my mother also contacted Venmo immediately. And I was informed that I would need to contact my bank for a refund. 

Me and my mother contacted my bank immediately after I made this transaction. We were informed by my bank that they would refund the {$2000.00} from XXXX but were unsure if the Venmo charge of {$500.00} would be eligible for a refund. They also replaced my credit card and debit card and shut down my bank account activity. 

The police was also contacted, and a police report was made with a case number of XXXX XXXX 

After I regain access to my bank account and was feeling much better I notice that the {$2000.00} charge from XXXX was still on my account. I contacted my bank and they stated that since I manually paid this person this charger is not considered fraud, and therefore is not covered by my bank. They informed me to contact this website for next steps to get my money refunded. 

I feel that this should be considered a fraudulent charge since I was under the influence, and was not a sound mind to understand that this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Back in XX/XX/XXXX, my mortgage company sold my mortgage to LoanCare. On my statement back on XX/XX/XXXX from my previous mortgage company they gave me my new loan number and where to send my payments. On XX/XX/XXXX, I still haven't heard from LoanCare, I had not received a statement or any communication so through XXXX, I sent my XX/XX/XXXX payment to LoanCare with the loan number that my previous bank gave me. The payment of {$2500.00} went through and I thought I was good. Fast forward around XX/XX/XXXX I received the statement for LoanCare saying I owe for XX/XX/XXXX. I called them and they said they have no payment from me. I have sent sent my statement, transmittal, and loan number ( s ) to this company and they keep saying they need more information like my statement. I have sent it several times, but they keep " denying '' me saying they don't have the information. I have proof through my statement and transmittal that I paid my mortgage for XX/XX/XXXX. XXXX has even tried helping. They have my money but won't apply it to my mortgage. They actually said it was my fault for putting the wrong loan number on it. I need an advocate. LoanCare has been terrible to communicate with and I just want to make this right.

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 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
There is a fraudulent XXXX account ending in XXXX that needs to be removed from my report as it is causing my reputation harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX responded with wrong information. 
My Loan with XXXX still showing in my credit report with XXXXXXXX XXXX On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX ( Loan Number XXXX ) took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi Advantage Platinum Select MasterCard - ending in XXXX. 

I have regularly made payments against this credit card on or before the due date. However, Citi Bank has falsely and incorrectly reported on my credit card account statements and to the credit bureaus that the payments are Past Due and have not been made. My Credit Score has dropped XXXX points because of this, and I have been charged a " Past Due '' amount on each of the the last 2 statements.

These false and incorrect statement descriptions, Late Fees, and Credit Agency reporting need to be corrected. Citi Bank needs to credit all Late Fee charges, remove 100 % of statement interest charges, re-issue the monthly statements with the corrections, and correct fix these reports to all Credit Report agencies. 

Repeated efforts to tell Citi Bank to stop with the harassing phone calls never ceased, and I was put into a position to agree to an account payment plan and this account was Closed as a Result. 

Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee '' Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee ''

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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is a follow-up complaint letter to the resolution letter for complaint ID XXXX. I got scammed through XXXX with the amount of {$2500.00} on XX/XX/2022. At that time, when I deposited the check via the BofA mobile app, Bank of America has failed to inform me that there might be insufficient funds to use because they needed time to validate the check, and they did not put a hold on my deposit. If they had placed a hold on my deposit and informed me properly that the check must be validated, a scam could have been prevented. This was not the case when I got a deposit check on XX/XX/2022, immediately I got an email from Bank of America saying that they have placed a hold on that check, and the full amount is not available yet. However, I have not received the same email from Bank of America when I deposited the check on XX/XX/2022. Had they sent me the same email on XX/XX/2022 when I deposited the check warning me that the amount is not available yet to use and might be available 2 days later, I would never have become a victim of the XXXX scam. That being said, after 2 days of putting the amount on hold, the check would have been returned because it was a fake check, and I would know for sure that it was a scam. Bank of America lost my money.

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 2021-01-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted a COVID Forbearance plan. During the forbearance plan I missed a little over a payment and a half. In XXXX I wanted to bring the loan current. I asked that the lender defer the missed payments. Upon reciept of the paperwork I notice that there would be a negative reporting on my credit. I asked to pay the deferred amount back to bring the loan current. The lender has refused. I have called over 12 times. This is clearly illegal. I never signed any paperwork. Loancare unilaterally made this change without fully informing me of the remifications and getting a signature. Additionally, my wife is a co-borrower and she never signed or consented to anything. Finally, they are refusing to accept my money to take it out of deferral thus making it impossible for me to refinance not only this property but any property I would own or want to own in the future.

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 2023-10-29
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I opened an account with XXXX. 
On XX/XX/XXXX I made an order for {$500.00} to buy stock XXXX On XX/XX/XXXX, I bought {$500.00} more of XXXX On XX/XX/XXXX I transferred {$500.00}. A portion was used to cover a deficit? 
On XX/XX/XXXX I bought {$500.00} of XXXX On XX/XX/XXXX I ordered to buy {$490.00} XXXX On XX/XX/XXXX Account Temporary hold. I verified my identity. 
I continued checking my investment until XXXX of XXXX when I was not allowed to have access to my account anymore. I tried to contact the company by email, phone but nobody responded. The only way to communicate with them is login into your account. I presented a complaint to BBB and they told me Robinhood never answers the complaints. Around XXXX, I was able to login but my account was in ceros. If I want to contact them I have to invest more money. In addition, I had authorized Robinhood to withdraw money from my bank accounts. During this time I have to report fraudulent transactions to my XXXX XXXX and XXXX XXXX XXXXXXXX accounts. I also mailed a letter to the office address I found on the internet. No answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase a vehicle from a " company '' called Chase Auto Sales on XXXX Chase Auto Sales LLC XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX After speaking with the " salesman '' a few times, I wired money from my XXXX XXXX account on XX/XX/23 to a Chase Bank account ( which I assumed was legitimate for a company to have ) The routing number was XXXX XXXX XXXX and the account number was XXXX XXXX XXXX. Within a few days, the seller was no longer responsive and I began a case though my bank at XXXX XXXX who after multiple calls to Chase Bank XXXX was not able to resolve this issue. 

When I spoke with Chase Bank fraud dept on XXXX they said they were not able to help me because I was not a Chase customer, although they did verify the this was indeed an open and working account- but that was all they would help me with, and could not take any action on this account.

Company response to consumer: Closed with explanation