BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: ROBINHOOD MARKETS INC.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
robinhood controls my stocks in XXXX XXXX of all my buisneses i created this with XXXX so that i can control my companys and there are not trained in my company to keep up, i have not recieve my money yet, or info to withdraw from any company in my bitcoins i am being robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Account name : ComenityCB/ULTA Account XXXX : XXXX My account information was stolen and used to make online purchases. I reached out to comenity bank to inform hem of what happened and they assured me they would take care of it. I provided the store name and number which the fraudulent activity occurred and even presented the police report information. This account was paid in full and is now showing a balance of {$90.00} along with an XXXX status. A new card was to be issued and this one was to be closed and balance returned to XXXX. I gave proof and contact information to back up my claims. They are inaccurately reporting this account as XXXX and with a balance A new card has been issued which reflects a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This is my formal complaint to KOHLS/CAPONE for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capitalone.com is refusing to send me statements showing my charges and credits for my XXXX card ending in XXXX. They also refused to verbally provide the information over the phone. Capitalone.com says that I can't get any information from them without providing them a copy of my driver 's license front and back. I refuse to provide the driver 's license due to fraud. I'm not asking for credit, but to pay my balance due in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used vanilla gift card in gas station in XXXX and machine declined the transaction after XXXX minutes the transaction was done and I did by phone dispute and asked to stop the transaction vanilla told me was done I back to gas station to know the transaction was done told me no and back again to vanilla and did another dispute and vanilla told me the time was done with dispute and refused money back XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Asked original plan documents and proof of late payments

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 2021-05-27
Company: CITIBANK, N.A.
State: MN
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 XX/XX/2021, I was charged {$270.00} from XXXX XXXX to my Citibank issued credit card. I immediately contacted Citi on or near the XXXX as soon as the transaction posted to report this as fraud. I spoke to an offshore rep on this date who marked the transaction as fraudulent, closed the account number and requested a new card be sent to my address. 

I received and activated the new card without any issues. On XX/XX/XXXX, I received a letter via regular mail from Citibank advising me that they had attempted to obtain information from me regarding this charge, and did not receive a response and that I was liable for the fraudulent charges. This is where a very frustrating loop of phone calls with Citibank began. 

I immediately contacted them inquiring in regards to the letter. They advised me that they tried to call me ( I received no calls ) and that my phone number was disconnected. It is not, it is the same number on file with my account. I spent nearly an hour on the phone with Citibank and was sent multiple times from representative to representative. Yes, I have done business with XXXX before, but not on this card. No, I do not know the passenger who attempted to purchase an airline ticket. After nearly an hour, I was finally transferred to a representative in the United States. She apologized, informed me of the process, and the call disconnected. 

I spent another hour on the phone on XX/XX/XXXX attempting to resolve this fraudulent charge. After another frustrating round of questions with a hard to understand agent, I requested to close my account. After a decade of no issues and millions of dollars in charges to my account I have closed my account because of this frustrating experience. 

To date, I have not resolved the charges on my now closed account. I am requesting assistance in once and for all removing these charges and closing my account permanently.

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 monetary relief
Consumer complaint received 2023-05-10
Company: Navient Solutions, LLC.
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:
I requested both Navient and Dept of EducationXXXX a requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on XX/XX/2023 Its been 30 days since I sent my request and have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It is my understanding that anyone or any company that voluntary buys debt of another removes any liability of the person owing a debt. Also, Ive never entered in any contract with LVNV FUNDING LLC. Please remove yourself from my credit report because I do not owe you anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
DiscoverBank Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to XXXX XXXX XXXX This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a credit score of more than XXXX. I have an auto loan with an perfect payment history. My credit report does not reflect any negative balances, any late payments or anything negative. I am a also XXXX woman with a thick accent. I stopped by a Target located in XXXX Ga, on Saturday XX/XX/2019. I was looking at a promotion that expired that day where I was to get a discount coupon valued at XXXX if I signed up for the Target credit card. The associate convinced me to apply, as he said it was a pretty simple and instant process. Since I wanted to expand my credit portfolio and had a pretty good credit score, and the promotion was very attractive, I took the bait. To my surprise, I got a receipt saying Id get a letter in 7 days. After I did some search online on many credit forums, I discovered that people had actually called in after receiving such notice and they would find out they were approved. Many consumers reported they were approved even with credit scores in the lower 600s. I called the XXXX, and was transferred to accounts payable. The first person immediately told me I was declined because I had " no credit history '' Which is false. Then she told me it was because I didn't have credit cards and they decided my score credit wasn't good enough to issue me with a Target credit card. That the bank, TD Bank USA, didn't deem me a good " fit ''. Since I know I have a good credit history and score on file and actually hold an auto loan with a very well known bank, I knew there was something more to this information. I requested to speak to a manager and I asked her first for her information to document it and have it ready when I filed a complaint with the corresponding government agency, and my attorney. The reason I want to escalate this is because I feel that there was some discrimination regarding the approval process as they have information on my demographic by looking at the places I've lived at. I also know there was a switch and bait during the whole process. The employee who took my info at the register gets his commission. Target hits their numbers without issuing the XXXX promotional coupon and I get a bad hit on my credit score without obtaining any benefit, no discount coupon and no credit card either. So the " manager '' identifies herself as XXXX, literally mocks my government agency comment by saying " what government agency lol what are you talking about '' And by finally saying in an extremely hostile, terse and disdainful tone " you better learn how to speak to me or you wont get any information from me '' So I hung up without any information besides what was originally given by the first accounts payable associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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 was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$26000.00}

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 2022-12-08
Company: Winklevoss Exchange LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated my withdrawal on XX/XX/2022 and was informed that the funds would be available for withdrawal on XX/XX/2022. That has not happened as of today XX/XX/2022. 

When I asked Gemini for an honest straight answer as to when I would be able to withdraw my money I was given a washed-out reply that did not truthfully respond to my concern, saying that they had 'paused withdrawals temporarily '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy XXXX XXXX, XXXX XXXX XXXX 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 2021-01-23
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: Their investigation did not fix an error on your report

Complaint:
On XXXX I filed a proper dispute of two unknown medical accounts being reported to Experian by XXXX XXXX XXXX ( account # XXXX and account # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from Experian. I re-disputed to Experian with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Experian has refused to properly investigate or remove these fraudulent accounts.

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 2022-12-28
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Portfolio Recovery reference number XXXXon XX/XX/XXXX andXX/XX/XXXX by certified mail multiple times through written communication advising them this debt was not mines. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the singed contract in question for3 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN is reporting a fraudulent auto account in my name. XXXX XXXX XXXX is stating the I owe the XXXX for an auto loan/ lease in my name. This account was established in fraud and does not belong to me. Now the credit bureau is reporting this account twice via collection and direct creditor which is making my debt to income ratio deteriorate. The account is not mines and was opened in fraud. I have sent them numerous documentation proving that I have been a victim of sever identity theft and they are refusing to help with this serious matter. I have asked them supply me proof of this debt that they are verifying ......

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 2023-06-27
Company: DISCOVER BANK
State: CT
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:
I have had a few Fraud/ Disputes on my Discover card over the time I have had it just like anyone else. 

Discover does NOT want to deal with the fraud and they stall tactic ands till bill / rack up interest while they stall, I have fraud 2 years old STILL not resolved, this is unacceptable. 

Almost my entire balance is fraud or disputed, they stall stall stall then find the charge " Valid ''

Company response to consumer: Closed with explanation