BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
hello i ready make a complaint with you against robinhood XXXX market before. the reason why im going another complain is because they stilling my money they lock my account a year ago when i used to have 10,000 dollars or more on profit but today in day drope to 2,800 dollar because i wasent allowed to take my money out..i been sending email plus email asking about my money and they never have the right answer even i get call frome they customer service and all they do is telling me they have nothing else to do because my account its cloused... the reason they cloused my account was because some unemployment money went XXXX XXXX  my account out no where i have no idea why and who money was that but they reversed the money back and still lock my account ... so the other day the reopen my account just for me to take XXXX but my question is where is my XXXX that i have left over because they sold all my share i will send you all proove of what im talking about ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Since 2017, I have repeatedly filed disputes on unauthorized inquires made and an account which is not mine. I have personally called Equifax many times and was told that they could not do anything about the situation even though there is a Legislative Security Freeze on my information. All the companies have been notified in writing with no response from any. In addition, none of the companies have contacted me before acquiring my information for verification. To this date, the information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
After the fact, my findings reveal that I have been scammed in a " Pig Butchering Scam ''. 
Someone reached out to me from a strange number ( XXXX XXXX ) on XXXX XXXX asking if I'm coming for a party. I responded politely that it's wrong number, and then this person who calls herself XXXX ( now I know everything is fake ) struck up a conversation and quickly wanted to move the conversation to XXXX XXXX She gave XXXX as her XXXX number and connected me on XXXX. 
About a week into the conversations she started telling me how she makes money from XXXX XXXX and if I'll be interested. I said I don't do XXXX XXXX because I don't understand the algorithm. She ( maybe He, we can't even be sure ) promised to guide me step by step on how to invest. She asked that I download XXXX app and then XXXX XXXX for trading. 
Over the period of four months, I've invested {$20000.00}, but when the time came for me to withdraw the money with the profits, my XXXX account was XXXX. But the XXXX app is still working. 
So I made a complaint to my bank that I was scammed and that the bank should investigate the transaction and help me recover my funds. I told my bank that all XXXX transactions in my checking account are fraud. But my bank has been unable to do anything to help

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 2023-03-12
Company: CarMax, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Account status incorrect

Complaint:
This is XXXX 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 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX  XXXX XXXX {$210.00} XXXX XXXX {$85.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a collection on all 3 credit bureaus on my report from CONSUMER ADJUSTMENT for {$550.00}. I did not get any type of letter from CONSUMER ADJUSTMENT letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor Collection Services just reported a medical bill on my credit report from XXXX XXXX. First of all, this medical service was covered under a worker 's compensation claim. Futhermore, I never received a bill from XXXX XXXX about this service. If I had, I would have submitted it to the human resources dept of the liable employer, for payment. Additionally, I did not receive a 30-day notice of my right to dispute from Creditor Collection Services, prior to this bill appearing on my credit file.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX 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 1681b 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 2019-07-15
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today XX/XX/2019. I tried to cash out my money from Square Inc. worth {$210.00} they asked my for verification ID so I scan my driver license and face verification I did everything they asked and it says its says verified after a minute I tried to continue cashing my money because its verified and then says can not be completed when I look in the setting my account is closed.I cant even cash out to my bank or debit card.I didnt do anything that against there rules or term and Conditions.I want my money I work hard over it and they just closed my account and not allowed me to get my own money.Of what theyre doing after scanning your personal information and get your money its a scam.I hope you can help me to get my money back and take action of this apps.They only replied once with my 3 emails of them still did not solve my problem there only reply is we can not give you any another information why your account closed.Thats not totally fair and good after all what I did for giving them my All personal information.Its my money I have right for it.Please take action of this square inc apps online.I need my {$210.00} money ASAP.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello : How are you? I hope well. My name is XXXX XXXX and there is incorrect and fraudulent information reporting on my credit profile. It needs to be removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX  Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Please remove all fraud alerts immediately please and thank you. 

Please remove all outdated addresses. 

My CURRENT and Only address is XXXX XXXX XXXX XXXX XXXX, OHIO 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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Transunion has failed to provide accurate verification as per the Fair the Credit Reporting Act. Transunion has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Transunion has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are 1.XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX FKA XXXX  # XXXX, XXXX XXXX  XXXX XXXX  # XXXX, 4. XXXX XXXX University # XXXX, 5. XXXX XXXX # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Transunion continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.

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 2020-03-23
Company: AutoMoney, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX, is filing a complaint against Auto Money in XXXX, SC for harassment, a member of our family applied for a loan with this company in XX/XX/2020 to maintain some bills because she has been out of work due to problems from Mold infestation of her home in which the Landlord failed to comply with Landlord/Tenants Rule. According to the LAW, a company do not suppose to call consumer daily. According to the COVID-19 VIRUS, many are not on their jobs in contact with many people, also colleges are closing down and people jobs ... She was told by them that did not matter to them, Our family and many others has contact Governors, Mayor, Attorney General of what to do and are abiding by Medical Rules, and Government rule applied about what we ALL are facing. It is not that no one DO NOT want to pay their debts, but if OUR JOBS are selective of whom can or can not come in, consumers has rights. She has XXXX, and this company harassment has cause her to become with more stress because of AUTO MONEY contacting her EVERYDAY. She has been sick over a month and has only worked 1 week in XXXX, and she has explained that to AUTO MONEY and has basically been trying to gain other loans to get this Loan paid off. They claim she threatened their business, NO!! she explained to them what we and many others has been told by the Government of what is best to do. We as family has been shut down with our jobs as well, but we are trying to maintain bills as well. If they understand this, therefore they should not harass consumers. We are trying our best to keep her with her medications that her insurance DO NOT PAY for, and Co-Payments with her Doctors and Specialists. We are asking that they DO NOT as the LAW states to harass consumers and that we are working on ALL bills to keep our homes and help her get this paid off. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attended a XXXX XXXX ( first name was XXXX  XXXX XXXX for first few months, then name changed to XXXX XXXX and then they lost accreditation. The school physically closed just before graduation and they opened another campus ). The main problem is federal and some private loans have been forgiven for students who attended closed XXXX XXXX or defrauded in the financial aid office or both. I fit all the criteria. The federal loans that werent paid were forgiven. The amounts I was told differed between financial aid office and what navient showed! The total cost of tuition was approx XXXX. XX/XX/2006, I allegedly acquired a private loan worth {$20000.00}. There were a few federal loans in the amount of XXXX, XXXX, and XXXX. I was told and led to believe that my loans were federal. The education dept XXXX the last XXXX loans listed above. My complaint is I or my parents have paid the original loan balance and over how is it that the total balance has ballooned to well over {$51000.00}?! I understand how interest works but the fact that the school is and was defunct is not being considered. If I qualified for federal discharge due to school closure and or fraud AND I have paid Navient what was borrowed and then some, why should I be on the line for $ XXXX from a school that doesnt exist. I had a hard time finding employment in the field and was coached to lie. I no longer work in a field using that degree. I could not transfer the credits. It was literally a piece of paper. I feel that Navient should consider my loan repayment as complete. They will not give me any proof of transfer of any promissory notes from sallie Mae either. I am positive some things got lost between the shuffling of the schools and the transfer of my loan from sallie Mae to navient. The numbers do not match. Also, the school I attended is not the school Navient has on record. I never attended XXXX XXXX! I attended XXXX XXXX XXXX This has caused me an unbelievable amount of stress and frustration that these private loan companies can get away with financial abuse. I can not afford XXXX in student loan payments. The phone calls start after day XXXX missed payment I have XXXX federal loan allegedly from XXXX that NAVIENT said did not qualify for forgiveness. Id rather be sued, they wont do it. I WANT a judge to listen to how unfair and unjust the situation is for other XXXX XXXX I want to be done and away from them for food. I will never pay off these loans from a school I never attended, that lost accreditation, that closed in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: MS
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 submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, XXXX and Experian ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.

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