BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband and I opened a online bank checking account in my name only ( his wife ) in midXX/XX/2021. We had the funds to be transferred from a savings account in my husbands name only. We provided the funding bank name, account number and routing number with the amount to be withdrawn. Several days later,XX/XX/21, I received an email from the receiving bank that my opening account deposit had been processed. The email gave an initial deposit item #, amount funded, FROM acc. bank name, FROM acc. bank #, TO acc. bank name and TO bank #. All account numbers were x out. 
To this dateXX/XX/21, I have not received the funding for that account. I have contacted both the funding bank and the receiving bank by many phone call and one email complaint to no avail. I have documents from the funding bank but nothing from the receiving bank. They ( the receiving bank ) basically said they have researched but cant find where the funds were deposited and left it with no resolution.This was a very large amount ( {$75000.00} ) that was withdrawn from the funding bank. 
If you can please help me with this issue, it will be greatly appreciated. 
Thank you. 
Do you want me to send copies of documents now or later when I hear back from you?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: SYNCHRONY FINANCIAL
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-03-27
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: Credit inquiries on your report that you don't recognize

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  are all pulls from my credit report that i did not do.. 
also there is a XXXX XXXX XXXX that soley belongs to my mother that i have nothing to do with and there is her car loan through XXXX XXXX XXXX that has nothing to do with me i did not co sign with her i am not on any of her paper work i am not at all finacially responsable for either of those accts

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 2023-11-02
Company: Thaxton Investment Corporation
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on XXXX they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: SC
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-01-10
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: NY
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:
XXXX : Inquiry date : XX/XX/XXXX ; Removal : XX/XX/XXXX Appeared on report : XXXX XXXX XXXX XXXX NY XXXX Address ID # : XXXX Type : XXXX XXXX code : XXXX ( Info is attached ) ========================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove from all 3 bureaus immediately> DEPT OF EDUCATIONXXXX XXXX : {$2400.00} DEPT OF EDUCATION/XXXX XXXX : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ========================================================= *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
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:
Ive noticed unauthorized inquiries on my report AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-17
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX have never been address of mine. This information is not accurate. 

( XXXX ) XXXX and ( XXXX ) XXXX have never been phone numbers affiliated with me or owned by me.

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 2023-06-17
Company: EQUIFAX, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: NC
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 information 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Blakely-Witt and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My family and I were moving out of an apartment complex after our lease was ending to move closer to work. We Moved into the apartment complex in XX/XX/XXXX and move out before XX/XX/XXXX. The leasing agent sent me an email unsigned stating that we still owed {$1800.00} however, they reported {$10000.00} on our credit report for the unpaid balance. I have a written notice from the agency stating that {$1800.00} was all the money owed to them. They also threaten us with this statement ( Demand for possession is hereby made. You are hereby given notice to vacate the dwelling WITHIN ONE DAY of the date on this notice ( four days if the notice was mailed ). Your failure to move out then will result in appropriate legal action by us before the Justice Of The Peace. ) Nothing in the apartment was destroyed just normal wear-in-tear that is common among occupants. Finally, I believe that the law allows up to 30 days in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Date : XXXX XXXX Balance : XXXX My loan was sold and I was unable to get in contact with new owner. I reached out but the number that I was provided was disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Robinhood has recently added a link debit card feature for instant transfers in/out of the account. Ive tried out the service, which only allows you to link 1 debit card at a time, with 2 separate cards. Now that Im attempting to add another card, Im getting an error that the maximum amount of cards have been linked, please use a card youve already verified. 

When I first chatted with support, I was told its an ongoing problem that multiple customers are facing, and theyre working on the issue - theres no time frame for when it will be resolved. 

Almost a week later, I called support and the agent XXXX told me that theres a maximum limit of 2 debit cards linked to Robinhood for the lifetime of the account. This is the opposite of what the first agent told me, and doesnt make sense, as Robinhood did not disclose any limit before/during the process of linking a card. I requested for XXXX to transfer me to a supervisor but she refused and stated she would escalate. I still havent heard anything from a supervisor or manager.

Robinhood consistently has terrible customer service with opposite responses between level one support agents. They make it nearly impossible to get in touch with higher level management because they seem to lack internal transfers in their phone system. 

I need real clarification from a supervisor/manager regarding this limit for debit cards. If the 2 card limit is true, I need both previous cards to be removed from my account so I can add my new preferred card ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Home Point Financial Corporation
State: NV
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:
i have been paying my mortgage bi monthly, every two weeks i get a call from home point and explaining how i get paid on the XXXX snd the XXXX of every month, bank statements to show this, they reported XXXX payment 30 days late, which is not by the letter for homepoint stating it was up to date, they sent a letter stating they will not fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Mr. Cooper Group Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX sold my loan to MrCooper and I was not aware the loan transfer. I do have auto-payment with XXXX XXXX so I never thought there could be a problem with my mortgage payment. I noticed the late payment at the beginning of XXXX. I made the payments and setup the auto-pay with MrCooper. 

I called MrCooper in XX/XX/XXXX explaining the situation. The customer service was nice and said she will help me dispute the credit report. On XX/XX/XXXX I received the letter saying their inquiry will take 30 days. I called them again to see if they can expedite the procedure and they totally changed their response. They said what I did is useless, the inquiry result would be declining my request and they will not remove the credit report regardless of my situation. They don't care about the fact that the loan was transferred without my ackonwledgement. They first said they can help dispute and then they change their attitude saying they will do nothing. 

After the first time they told me they can dispute the credit report, I sent out an offer to buy a house and the offer was accepted. Now I'm facing a high risk of a huge penalty since later they refuse to dispute the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the Fair Credit Reporting act XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-13
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 wrote a letter to the company to please remove my derogatory remarks and was denied. I don't know the exact date but I sent the letter to the corporate headquarters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX account XXXX Account isnt mine never authorized the account XXXX XXXX  account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX .... 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-02-24
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I thought I fixed this problem with compliant XXXX but it appears that I was not! 

My name has a " XXXX '' on the end in Equifax system but that should not be there. Apparently, Equifax did something where I see the correct name but they can still see that my name has a " XXXX '' at the end. 

In addition, they remove my ability to do disputes online. This is important since when disputing, I see the info that the representatives see, meaning I could see the " XXXX '' at the end. 

I'm am going to consistently report my frustrations to CFPB until they fix it and link every complaint from now on starting with complaint XXXX https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-detail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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:
My identity was stolen and there were accounts opened up in my name

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