BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The XXXX that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my XXXX XXXX XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerifinancial Solutions of XXXX MD has been harassing me for over 6 months with repetitive calls from many different numbers. This was a debt created by identity theft. During the pandemic someone had opened bank accounts in my name, stole my unemployment by applying and receiving it all then i was unable to use the benefit and they obtained XXXX XXXX  attention and now this company has harassed me relentlessly and its causing me XXXX. This is not my debt, I even had a police report created for ID theft of unemployment bank account and other services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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 wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Chase has not responded to the suspicious activity I found on cards opened and closed in my name as per my XX/XX/XXXX credit report. The XXXX card opened in XXXX used an email address of XXXX and an address XXXX XXXX XXXX XXXX CT that was not mine or one I lived at. XXXX XXXX owns that email and used this card to embezzle funds from Chase to himself possibly posing as the merchant vendor. Please review the XXXX transactions on this card from the date it was opened in XXXX until I found it in XXXX and knew nothing about it. You are being scammed and sending money to a person and not to XXXX. Please review the transactions from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: ROBINHOOD MARKETS INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a customer with Robinhood Markets Inc since XXXX. 

In XX/XX/XXXX, I asked them if it was okay that I would go to XXXX to study for a XXXX XXXX XXXX. They said that's fine as long as I update my information. 

In XXXX, I got a new phone number, then when I called to update it, the incompotent employee XXXX told me Robinhood will still support my account while I was abroad. Then when I told her my new phone number, she immediately put a restriction on my account and told me to liquidate immediately because Robinhood isn't allowed to support me while I'm studying abroad. 

Eventually after speaking to incompetent and unknowledgeable staff after another unknowledgeable staff, they finally put me in contact with some very creepy and unresolving guy named XXXX who instructed me to " Liquidate my crypto '' in order to initiate a ACAT transfer that they had the nerve to tell me to pay {$50.00} for despite giving me misleading information. 

I tried to speak to other staff from Robinhood, but XXXX kept interjecting himself into my encounters with other Robinhood staff so that I couldn't speak with someone even though I told Robinhood I don't feel comfortable speaking with XXXX. His very domineering and incredibly abusive from what I gather. I sent him screenshots of problems with the app, I was trying to liquidate my crypto but my Robinhood Crypto account was essentially locked, I couldn't trade any crypto and it wouldn't liquidate and XXXX knew this but he kept demanding that I liquidate. He wasn't listening to anything I was saying and despite me telling their security team I didn't feel comfortable speaking with this creep, he kept overtaking the communications with Robinhood staff. 

Despite lying to me about being in another country, their creepy customer support guy XXXX continued to bully me and belittle me when I maintained I had a problem with their platform, it was malfunctioning and then they essentially kicked me off the platform. If they had told me back in XX/XX/XXXX that I can't have an account with them while I was in another country, I could have lived with that. I never had a problem with them in the past but this time was different and they treated me with an unacceptable amount of disrespect. How the XXXX can anyone treat someone like this, first you lie to me then you kick me off your platform because you fed me the wrong information but that's somehow my problem? 

I lost a ton of money when they liquidated my assets without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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:
My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the 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 2022-05-17
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an 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 2018-07-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being charged by XXXX XXXX XXXX XXXX for services I never received. My coverage was supposed to be canceled XX/XX/2014. XXXX is stating that they canceled me on XX/XX/2014. I never reported any claims or received any services from XXXX to XXXX. I was under the assumption that my coverage was canceled since XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, EXPERIAN, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, EXPERIAN, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and XXXX  and EXPERIAN just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated 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 2021-10-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have my mortgage open with XXXX XXXX initially then the mortgage got sold to XXXX XXXX then XXXX being sold it there was a mess up for for updating my payment schedule from one bank in another meanwhile I was trying to reach out to the bankers I was getting transferred to different lenders during that time I was in a car accident so I had hardship with my income called Ocwen bank and requested the loan modification their team told me dont way you would qualify as you need to be behind on your mortgage and then I follow their instructions I offered to make a full because I was getting lettuce that I was behind the case manager told me if you make the payment you will not qualify for a loan modification so come to find out they denied my loan modification and they wanted me to pay all the past two payments while I was in a hardship due to my car accident I asked him to why are you not helping me the answer was that you called and I spoke to someone else and offered to make payments so for that reason we can not do loan modification for you and now your credit its gotten so bad were unable to help you so were gon na have to either foreclose your house or you just Got ta make big payments to get caught up and at that time I had no choice but save my family my kids to stay in the house meanwhile I had sent them several letters to remove the leads of my mortgage they refused to do so they offered if I paid him {$2000.00} for one of their credit repair people then they can remove the late which I thought it was completely legal I believe Ocwen bank Its completely fraud themselves meanwhile the room my credit and I need help I am trying to buy a house right now and theyre late payment on my credit stopping to move forward with my life please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I contacted PayPal XX/XX/XXXX and communicated with them throughout the morning on my request to have fees totaling {$61.00} returned to me. They are unfairly charging me a fee for requesting money from a close friend paying me rent. Where I used to have the option when requesting money to select friend/family or goods/service, I no longer have that option. Instead, I can only request the funds, with no disclosure that a fee will be accessed based on what the payer selects when they approve my request. Further, on the payer end paypal has admitted to me that it defaults to good or service, as opposed to prompting the payee to select. This results in the payee, if quickly trying to submit a payment, to be unaware they have more then one option. Their only solution is to return the funds to the original payee and have them resubmit the transaction. Further their final communication with me told me they would not be refunding the fees and they have failed to acknowledge the disclosure issue. PayPal should be allowing the requester to select if its friend/family or good/service and the payee to approve or deny before sending the funds. In addition, PayPal used to give the option for the requester to select friend or family but changed it without sending out proper notification to customers and then referred me to a different site to read about it. And finally, I had to send screenshots to representatives to prove that you could not select friend/family on the requester side because they weren't aware the option wasn't available to customers. Simply put, PayPal needs to have disclosures that the consumer can agree to before submitting. Even if they had a disclosure that said " a fee could be charged based on the options selected by the payee '' that would alert the requester would be sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
I mailed letters to XXXX, Equifax, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt.XXXX XXXX XXXX XXXX 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 an 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 2023-05-22
Company: EQUIFAX, INC.
State: NJ
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Credit Corp 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:
XX/XX/XXXX - ( ATTACHED ) Letter received by Credit Corp Solutions titled ( Second Response to Dispute ) - FALSE & MISLEADING because it was the first and only letter, I received from them. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Credit Corp Solutions to DELETE the negative item from my credit file, immediately. 

XX/XX/XXXX - ( ATTACHED ) I responded to their false & deceptive letter, and I requested VALIDATIION pursuant to CFR 1006.34 XX/XX/XXXX - ( ATTACHED ) Proof by USPS delivered receipt proving Credit Corp Solutions received my letter requesting VALIDATION but they have not responded within 30 days. 

I demand this unvalidated negative item to be deleted from my credit file, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting XXXX  % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.

Company response to consumer: Closed with explanation