BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Robinhood is commiting massive scale fraud and consistently providing me with false account balance statements, false information from support staff, incorrectly calculated margin positions, unexplainable fund movements, fraudulent quotes, false information in the app, changing terms of service without notice, and much more... 

I have approximately XXXX messages with staff with inline screenshots detailing some of the fraud. Robinhood has now stopped responding...

This fraud is almost certainly connected to XXXX and needs to immediately be investigated by independent law enforcement. ( NOT XXXXXXXX XXXX XXXX XXXX ) Robinhood staff finally agreed to an audit of a fraudulent margin call, before they sold stocks to cover the call and then ghosted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchase new care from XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase XXXX owner sold my loan to Santander USA which is a subprime auto lender affiliated w/crysler which was on same lot as XXXX Dealership and owned by same man. Santander was sue by 34 states in XXXX for deceptive and unfair business practices. I've had my car 3 years on XX/XX/XXXX and I don't even own a tire on the car. Santander has taken all my pmts interest only and my APR is 26.32 %. I'm XXXX yrs old. Santander has submitted negative info to credit agencies and I've been forced into oppressive conditions unable to trade in or refinance car. I've been put in a position to default or continue to let them steal my money. I was sent email XX/XX/XXXX that {$4200.00} was paid in principal but now I'm told it was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received response from debt collector. I believe that Fair credit act states if a alleged debtor ( XXXX ) realizes it made a mistake and took debt off one credit report, then it should be taken off all. ERC fails to accept that info, and doesnt admit this really is not something they should have contacted me about as I explained that to them and they were well within the ability to research this with the info I supplied. I explained I would not give them my SS number as I was hacked last year and will not divulge. And I also explained I never lived at a NJ address which was also disputed.The clerk in the legal dept that answered my complaint failed to address this and failed to accept responsibility that that was all that was needed to research this claim and to contact XXXX to verify. This collection was placed on my report without any verification and this collector failed to verify and validate as they sent me a collection letter. It should not be my burden to try to get this off my report and try to correct this as Ive been trying to do, this already was addressed last year with XXXX as I explained to clerk and XXXX removed it from XXXX. Therefore it should also have been removed from the other reports as I explained to ERC. They could have verified this info easily and instead refuse to accept this and accept responsibility for their collection efforts which were blatantly unverified that this debt was owed or even mine, I feel it was harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$5800.00}.

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 2022-09-11
Company: CITIBANK, N.A.
State: MN
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:
Citibank will not remove this credit card from my credit report. Someone else to whom I have no knowledge of who has my name listed on their card as an authorized user. They reply with a statement saying that the account holder must remove me from the account. However I do not know who it is or even how to fund out that information I have called citibank to attempt to gain information about the account user and who this person is. I don't know who they are. What I do know is I have for years been trying to get this removed and myself removed from this account. My identity has been stolen essentially by this person. They are also slowly racking up the balance on this card which has a XXXX limit to which I have watched the balance go up up and well up. They also are gaining slow credit line increases. This is extremely concerning to me that citibank does not investigate this matter of who this is. The sad part is if I'm on this card why do I not have possession of one and if they took time to review any camera footage or addresses there Fraud department would realize I have not purchased anything because I can't I have no card and no information about this account. Do these people even reside in my state of Minnesota? They offer no 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I was looking at my credit report and noticed an account was added that I don't recognize so I want it removed from my account because it is showing as negative. Please remove it!!!!!!!! 


Account Name XXXX AS Account Number XXXX Date Opened XX/XX/2023 Balance {$130.00}

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 non-monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: IL
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:
Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across Equifax, XXXX XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Commonwealth Financial Systems, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
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 hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

XXXX XXXX XXXX  XXXX XXXX I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-10-31
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
At the end of XX/XX/2022, I used XXXXXXXX XXXX ( XXXX ) to send my daughter 2 transactions : One for {$1000.00} and the other for {$1900.00}. I had used XXXX in the past and since. The amounts were deducted from my account but not deposited in my daughters account, I called my bank but they said since it was a debit card purchase, there was nothing they could do. I called XXXX and XXXX alot. The constantly took my claim information and said someone will get back to me in 3-5 days. I had one email from them stating that my old email from 15 years ago was attached to my XXXX account. I told them I do not remember the password and do not have access to it but they would not help, Cant get help for it with anyone, I called the Colorado Attorney Generals Office but have not heard anything from them. I can not even get anyone at XXXX XXXX to talk to me -- only the cust, service and they do nothing. Now I am out {$2900.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS TransUnion : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING 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 non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across XXXX, XXXX & Transunion there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.

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 2021-10-28
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: AL
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 was co-signing with a friend. The man who was assisting us took down my information and said he would be right back. When he came back he said no I couldnt do it. My credit score is too low. This is XX/XX/2021. They ran my credit 19 times. Thats ridiculous! 19 times on each of them!! You ever go to XXXX XXXX in Alabama, theyre is a dealership called XXXX XXXX. They are right off the highway. Thats XXXX XXXX the way they did my credit!

Company response to consumer: Untimely response
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, Experian, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY XXXX CARDS. THEY REPORTED ME LATE IN XXXX AND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY XXXX XXXX DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.

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 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2022, at XXXXXXXX XXXX there was an atm withdrawal of {$1000.00} dollars from my Bank of America Visa Debit card at XXXX in XXXX, store XXXX following a second withdrawal for {$1000.00} dollars XX/XX/2022, at XXXXXXXX XXXX. This VISA card was with me at all times and I had my card with me at all times.

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 2019-07-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the government shutdown in XX/XX/2019, Wells Fargo Home Mortgage offered my husband and I a loan program, which they claimed would allow us more time to pay our mortgage until the government reopened. We discussed the pros and cons with the representative in detail in XX/XX/XXXX, but at no time did Wells Fargo ever notify us that by accepting the offer we would be penalized by being prohibited from removing the PMI from our mortgage for two years. We only discovered that we would not be able to remove the PMI in XX/XX/2019, when we contacted Wells Fargo to discuss options to have the PMI removed, and learned that because we accepted the offer, we would be prevented from removing the PMI. We debated the issue back and forth with Wells Fargo representatives and they sent us several letters, for the most part admitting they failed to inform us, but claiming that they could not reverse the decision and allow us to remove the PMI. They wasted hours of my time, and caused my husband and I so much stress and heartache. Wells Fargo sent us a check for {$250.00}, and a letter acknowledging their error. But the expense of our PMI will cost us severely more than that, almost {$10000.00} over the next two years. We think this is unfair. And we wonder how many other home owners were tricked into accepting this program, only to find later that the program did more to hurt than 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