BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I started going into the hospital because of my spine my XXXX with my wallet attached was stolen I lost my XXXX in XXXX I have had to have my spine fused together I need my money someone drained my Robinhood debit card and they have done nothing I need help it's close to {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2019 I lost my Discover Credit card. Someone found it and made charges using it on XX/XX/XXXX & XXXX XXXX. There were 9 charges totaling {$980.00}. I immediately filed a fraud report with Discover. They " investigated '' and denied my fraud claim. I appealed and they sent to me a fraud affidavit that I filled out and signed. We have been going back and forth on this since XXXX. The charges were not made by me or anyone with my knowledge or permission. I wrote to Discover and informed them that these charges will not be paid and that I am filing my complaint with the CFPB. Their response was basically " so what ''. I refuse to pay for charges that do not belong to me, yet I have good credit and want to keep it. Can you please help me with this matter?. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN Charged off : XXXX XXXX  XXXX Balance : {$30000.00} -Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$30000.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

Collection : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} -I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately XXXX Charged off : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} -These particular accounts are undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$30.00}, XXXX and {$10000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to a fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My house was foreclosed in 2012 and I had {$55000.00} in home equity. I never received any 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 2020-03-24
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:
On XX/XX/2020 I submitted a dispute thru CFPB about the reporting of an account by Equifax Credit Bureau on XXXX XXXX. Equifax confirmed receiving the dispute on XX/XX/2020. The investigation was completed on XX/XX/2020. This investigation took a total of 44 days. According to the New Jersey Fair Credit Reporting Act, The Federal Fair Credit Reporting Act and a statement by Equifax the LAW states that the investigation must be completed in 30 days or the account by XXXX XXXX must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : My only address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ga XXXX remove all other address attached

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 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IL
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 explanation
Consumer complaint received 2019-08-27
Company: Westlake Services, LLC
State: IL
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 mailed a letter asking for the company to validate, not verify the account they are reporting on my credit report. I mailed this letter on XX/XX/XXXX with cerified mail and return receipt. I never recieved my receipt, the post office claimed it could have fallen off in transit. They were able to get me the necessary documentation from the return receipt. I have a printed copy of the name and signature of the individual who signed for the letter. It was recieved on XX/XX/2019. The 30 day mark was on XX/XX/2019. I have not received a response from the company nor have I received any indication that they were working to validate this was truly my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: OR
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 have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX XXXX  company ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 Transunion & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX Transunion You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX   & Transunion DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX XXXX their is no modification inaccurate information. 
Transunion & XXXX Payment History is Inaccurate on this account! 
Transunion you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing

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 2020-03-24
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello CFPB rep please find below, On or about XX/XX/2020 XXXX XXXX XXXX XXXX contacted me about a debt owed previously by another company of JCPenny credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as XXXX XXXX  address XXXX XXXX  XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX  and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover

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 2020-03-24
Company: Duvera Billing Services, LLC
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:
Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX  cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Ally as it relates to a consumer credit transaction that took place as the XXXX XXXX on XX/XX/XXXX. 

My, ( the consumer ) initial contact with Ally was with a " billing statement, '' for the alleged debt associated with the consumer credit transaction made between the consumer and XXXX XXXX. 

I have since discovered a billing error. To correct the billing error, I contacted Ally Financial by ways of mail and lawfully requested that Ally Financial Inc. provide documentary evidence of the account, the original agreement bearing my ink signature, as well as other documents. I, the Consumer is not in receipt of these documents.

Following my request for these documents, Ally Financial Inc. sent a notice of default for the alleged debt that was under dispute as of XX/XX/XXXX, ( the date ALLY received my notices ). Ally threatened, myself ( the consumer ) of taking possession the vehicle which is inequitable and impracticable, and act as adverse actions towards the 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 2020-03-23
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
Elan Financial Services did a hard credit inquiry on my credit WITHOUT my permission.

The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card.

I already wrote to Elan Financial and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/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 2021-06-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/22 agency placed a COLLECTION on credit report without any acknowledgement or communication to me. 
THE COMPANY NEVER COMMUNICATED TO ME BY PHONE, EMAIL OR MAIL. Company states on credit report that ( I dispute debt ), I HAVE NEVER HAD COMMUNICATIONS, how can I dispute it?

BE AWARE that this agency uses unlawful and unethical collection methods.

Company is called FCO ( Fair Collections Outsourcing ) COLLECTIONS out of XXXX, MD their practices are everything but FAIR.

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 2020-05-07
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Right now with cash app has been going on since XX/XX/XXXX my funds have been frozen and no response from the company as in whats going on, I have over 800 $ worth of currency. And I have yet to hear anything going on two weeks now. After multiple emails. No way of actually calling or getting hold of customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
Thank you for taking the time to reinvestigate my recent complaint XXXX. The account XXXX XXXX XXXXXXXX has been removed from my XXXX credit file due to the inaccuracies that I have made you aware of. According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

At this time, I am requesting to have the account removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the account has been removed. I eagerly await your response!

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 2018-02-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a call from my mortgage company stating I missed a payment for XX/XX/XXXX. I told them that I made the payment and had the ACH information to prove it. 

They took my information and told me that the payment was made, but that it was short of the amount owed. I told them I had automatic payments set up and that it was the same amount every month. 

They informed me my rate had increased. So, my payment was short {$60.00} I was transferred several times before speaking to a gentleman that told me I was in an ARM and this was the first time my rates were eligible to raise and they indeed had risen by 1 %. I told him I was never notified of the rate change and if I had I would have adjusted my automatic payment. 

He then stated that mistakes sometimes happen. But, indeed my rate had increased and that unfortunately the company did not send me any notification. But, I need to pay more. 

He then told me the rate will increase again next year and I should work with him to lock in a rate right now. I was under the impression the ARM was based in interest rates at the current time. But, it seems the company will increase my rates regardless. 

Also, I believe they had a legal responsibility to notify me that my rate increased. Saying mistakes happen is not a legit excuse. I should have had an opportunity to shop around once I was notified, but they prevented me from doing that by blindsiding me with an increase. 

Then I was told if I want to save my home I should work with the agent now or my rates will increase. As an XXXX XXXX military member i find this practice to be unethical and borderline illegal. I have the resources to pay my mortgage ( increase and all ) but this man telling me I need to save my home and I was in danger of losing it if I didn't refinance with him is a dangerous practice. Something should be done. 

Protect our veterans and XXXX XXXX by not allowing these deceptive business practices to be perpetrated.

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