BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}

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 2020-11-22
Company: LEXISNEXIS
State: KY
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 XX/XX/2020, I sent a letter to the US Bankruptcy Court asking them to explain their procedures for verifying records with the credit reporting agencies. According to my credit report, it claims the " magistrate '', " the recorder of deeds '' or " municipal court '' as the one who furnished the information on my credit report. The problem is none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus, and publishing false information is a violation of the Fair Credit Reporting Act. The only way this information can be accurate is if the credit bureaus received this information directly from the courts, so with that being said this should be removed from my credit report. On XX/XX/2020 I sent a verification that the court itself did not furnish this information itself and therefore it was a violation of the Fair Credit Reporting Act. They did not show proof of their verification with anything bearing my signature. How do you reinvestigate something send no proof then say it was verified as accurate? Especially when I send proof to back what I am saying and they produce no evidence. This includes XXXX, XXXX, XXXX XXXX, and Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THERE ARE INQUIRIES EVEN WHEN CALLING TO SEE WHY THEY ARE THERE THEY CANR FIND INFORMATION UNDER MY NAME. THE INQUIRIES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ( FALSE INSURANCE DOCUMENTS, MISSING MY SOGNATURES, DAUGHTER DOWN AS BENEFICIARY WITHOUT CONSENT, MOTHER DOWN WITHOUT CONSENT, SHOWS MANSLAUGHTER ETC PROTECTION ), XXXX ( HAS AN ACCT USING MY MINOR XXXX YR OLD SON SSN ), XXXX AND XXXX REPORTING UTILITIES AND FUEL ( DEF FRAUD ), XXXX REPORTING THE WRONG EMAIL, ADDRESS, NAMES, FRAUD STUDENT LOANS ( THEY WONT LET ME UPDATE THE CPRRRCT INFO, IRS AND XXXX XXXX FROM XXXX HAS INQUROES, RESELLER FOR RESIDENTIAL PROPERTY, THE ONLY THAT HAS SENT MY COPY OF REPORT IS TRANSUNION AND INSIDE THE ENVELOPE IS SHOWS THREE REPORTS WITH 3 DIFFERENT ID NUMBERS, ALL THESE STUDENT LOANS, REPORTING FALSE PHONE NUMBERS XXXX, FALSE ADDRESSES, A NAME I NEVER USE XXXX XXXX XXXX, THEU REFUSE TO PLACE MY RESIDENTIAL ADDRESS DOWN WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, THE CONSUMER STATEMENT SHOWING XXXX IS MY MOTHERS OLD NUMBER LINKED TO HER AND MY FATHERS DEBT XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, TRANSUNION REFUSES TO UPDATE INFO AFTER IVE SENT 3 TIMES ( MAIL FRAUD DUE TO THEM NEVER RECIEVING MY MAIL ) XXXX XXXX REPORTING THE WRONG ADDRESSES LINKED TO XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX SC XXXX, BRAND NEW STUDENT LOANS WHEN IVE NOT BEEN IN COLLEGE IN ALMOST 10 YRS, XXXX REPORTING A BREACH ON MY INFO BUT DUE TO MAIL FRAUD THEYVE NOT RECIVED MY DOCUMENTS FOR ME AND MY KODS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS 9 DIFFERENT USER ID INFO WITH INNOCRRECT SSN, MAILING ADDRESSES, PHONE NUMBERS, THERE ARE FALSE/FAKE SOCIAL MEDIA ACCTS ON XXXX XXXX XXXX XXXX PERTAINING TO MY BREACHED COMPANY XXXX XXXX THE CREDIT REPORTING AGENCIES WONT SEND ME A COPY EVEN WHEN IVE PAID OF MY COMPANY INFO TAXID XXXX XXXX   XXXX WHICH IS REPORTING MY PERSONAL CREDIT REPORT, EMAILS ARE BEING COMPROMISED MY MAIL IS COMING IN 3 'S AND ALL MY IRS AND XXXX XXXX MAIL IS BEING OPENED AND POSSIBLY SWAPPED WITH THE WRONG INFO, ALL INSURANCE INQUIRIES ARE FALSE, ALL XXXX, XXXX XXXX BELONGS TO MY FATHER, ALL STUDENT LOANS BELONG TO MOTHER AND SISTER XXXX XXXX XXXX, XXXX XXXX XXXX HAS MY MINOR CHILD XXXX XXXX XXXX LISTED UNDER MY ACCT, XXXX XXXX XXXX IN XXXX HAS MY FULL NAME AND DAUGHTER SSN LISTED WITH LINKED MEDICAL RECORDS THEY WONT GIVE ME ON FRAUD RETURNS, XXXX IS MY MOBILW CARRIER BUT XXXX XXXX  ACCTS KEEP POPPING UP

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 2019-03-13
Company: CARVANT FINANCIAL LLC
State: MD
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 filed a chapter XXXX bankruptcy and included Carvant Financial. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the  information is true and they have not done this, they only accepted what the car dealer has given them which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After numerous attempts to get this fraudulent account removed from my credit report, World Finance refuse to remove this fraudulent account. I want to dispute this fraudulent account under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After numerous attempts to get this fraudulent account removed from my credit report Capital One has yet to remove, I have never had an account with Capital One this is a fraudulent account, I want to dispute this account under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe this company or covered bridge capital anything. The company states in the contract that unless I am paid for my injuries from the auto accident they dont get any compensation. 

I have not received a penny from the accident. There is a contract stating this. 
This company trans world systems is aware the debt being collected is fraudulent and is attempting to collect a debt not owed. I also have a contract stating this to prove this. 

Please investigate this company and covered bridge for attempting to collect debts not owed when no settlement has been received. Since they both have violated the contract stating they will not collect unless I recover a accident settlement ( which I have not ) I now consider the contract void and any amounts they would have received to be voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Lazega & Johanson LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from my employer on XX/XX/XXXX with a summons for garnishment that was filed by Lazega & Johanson LLC, a debt collector. The summons mentioned a defendant who has the same name as me but living in Georgia at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The summons had however last four digits of my SSN. The summons also mentions a co-defendant who I do not know. 

I have never lived at this address nor have I ever owned this or any other property in Georgia. Since XX/XX/XXXX, I have lived and worked in New Jersey. 

The summons has a total garnishment claim of {$5100.00} made on the behalf of the plaintiff, XXXX XXXX XXXX XXXX XXXX whom I have no dealing with nor owe any monies too. 

I informed both, my employer and Lazega and Johanson LLC that I am not the defendant and my SSN is fraudulently used in the summons. 

I have provided a copy of summons and my affidavit.

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 2022-12-17
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i have bought XXXX XXXX XXXX XXXX  around XXXX the last time i used robinhood app was on XXXX of XXXX and its saying that i borrowed money and i didnt have funds or something like that in my account but that account has been closed but i still had my stocks my coins i want my coins back because i didnt purchase anything or fold anything since XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian can't deliver my credit report online via XXXX, and has been unable to do so for the past several years as I've tried to request my credit reports online through XXXX. Experian is required by law to maintain a working web site for accessing free annual credit reports under the FCRA and FACT Act. Experian is in violation of law. Experian needs to fix their web site so I can get an online copy of my free annual credit report as I am entitled to obtain by law. The CFPB should fine and sanction Experian for its routine and repeated violations of law.

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 2020-11-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax can't deliver my credit report online via XXXX, and has been unable to do so for the past several years as I've tried to request my credit reports online through XXXX. Equifax is required by law to maintain a working web site for accessing free annual credit reports under the FCRA and FACT Act. Equifax is in violation of law. Equifax needs to fix their web site so I can get an online copy of my free annual credit report as I am entitled to obtain by law. The CFPB should fine and sanction Equifax for its routine and repeated violations of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am submitting a complaint about not getting adequate help with reducing my payments to XXXX XXXX XXXX, loan # XXXX XXXX XXXX. My balance is almost {$300000.00} which I will never be able to repay. I can not make the {$720.00} loan payment they are asking for. Every year I call because the payment is too high and each year they put me on a Forbearance. They claim that I am at the lowest payment amount for my salary. They go by students gross salary and not their take home pay which is what should be calculated. They are not taking into account deductions that come out, a persons personal expenses to live. ( See enclosures ). 
I called XXXX XXXX XXXX on XX/XX/XXXX, and I spoke to XXXX, ID no. XXXX and she told me I can not switch to another payment plan as this is the only plan I can be on. I inquired about ungrouping my loans so that I can make payments to the lowest one and work my way up to the highest. She told me they dont do that. 
I do not want to continue getting forbearance as this is only prolonging my ability to retire. I am not trying to work until I die, but want to live out my senior years in retirement, not working for the rest of my life. 
I am writing to ask that you as my elected leaders, and The Department of Education change the laws so that once and for all students in debt be able to repay their loans without the hassle of trying to make a payment they truly can not afford to pay. 
Enclosed is copies of my expenses, my loan payment page with my balance, and scenarios of different payment options. Even if I sacrificed something in my budget it would not allow me to sustain basic living. I am however, willing to make a diligent effort to pay the {$420.00} payment I was paying when I started to repay in XXXX. I am also paying to support my daughter who has not been able to find employment since going to a school that has closed but the student loan company will not forgive her loans because she graduated. The school deceived my daughter in that she would be able to find suitable employment in her field of study. To date she has not so I am still financially taking care of her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a senior citizen Fraud identity theft victim where my name adress social security number was stolen used to create fraud account with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX notified there collectiobs agency Credit Management L.P. Whom Harrased me for {$1400.00} If which I do Not owe XXXX XXXX  since. My identity was stolen used to open create a FRAUD Account with XXXX there Harrasing me of a innocent senior of ID Theft is uncalled for I have been Harrased as a victim by credit Management L.P whom told me this was a FEAUD Account on XX/XX/2020 finally received a letter from. Credit Management LP awknowledgung I am not responsible of {$1400.00} as this was s Fraud account dated XX/XX/2020 closing account & not reporting it to the credit bureau

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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: Information is missing that should be on the report

Complaint:
I am submitting this complaint about XXXX XXXX/XXXX XXXX. This account was not reporting to the 3 major credit reporting agency 's. I spoke with customer service last week and was told they will report this account to the credit beauors. Today XX/XX/2020 I received an alert on XXXX XXXX that the XXXX XXXX account was removed from my report. I don't understand this as the account was never reporting. My score also dropped 4 points due to this. I am requesting that syncrony bank please report this account that has a {$4800.00} credit limit and the account is paid in full with a XXXX balance. Never late. Having this excellent amount of credit available plus paid in full will help my credit score increase.

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 2020-11-21
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting a call from a company saying Harrison & Harris Ltd attempting to collect a debt. There phone number is similar to Harris & Harris Ltd so I called them directly and they advised it is a scam. The phone number that keeps calling is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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: Account status incorrect

Complaint:
I have an account with XXXXXXXX XXXX  appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Using my Paypal direct deposit information I apply for my stimulus check from the IRS. The check was deposited on XX/XX/2020. Paypal is still saying they have no knowledge of this transaction but the irs website is showing the mo ey has been deposited..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Netspend Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two whom it may concern these un-authorize transactions dated XX/XX/20 {$500.00} XX/XX/20 {$500.00} XX/XX/20 {$500.00} XX/XX/20 {$1000.00} XX/XX/20 {$2.00} XX/XX/20 {$8.00} I contacted the merchant and was told to contact my bank. 
Then I contacted my bank and reported my debit card was lost/stolen. 
The bank then initiated a dispute. 
The dispute did not work in my favor and I couldn't understand why I got ta suffer when I'm the victim here who money 's was stolen with out my authorization, and the company didn't work for me In a fair dispute.

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 2019-03-13
Company: CITIBANK, N.A.
State: NY
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:
I used my citi credit card to purchase an XXXX XXXX egift card from XXXX, but they emailed me an obvious invalid gift card. 

I tried to contact XXXX but got nothing fixed. Then I disputed the charge with Citi bank, but I got the answer from citi bank very disappointed. They only collect the proof from the merchant which I did make the purchase myself, but didn't investigate if the gift card they emailed me valid or not. They finally charged me for this transaction. I got charged {$610.00} for an invalid, fraudulent gift card, not even one penny in it! This really drove me crazy!!!

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 2021-11-03
Company: LendingPoint Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent LendingPoint a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have not received any communication by mail providing any validation information for this alleged debt. On XX/XX/2021 LendingPoint withdrew {$620.00} violating 15 U.S. Code 1692g and 15 U.S. Code 1692c. On XX/XX/2021 LendingPoint contacted me again via mail with a letter Dated XX/XX/2021 violating 15 U.S. Code 1692c, 15 U.S. Code 1692d and 15 U.S. Code 1692b - Acquisition of location information. LendingPoint is harassing, using profane and obscene language toward a federally protected consumer. LendingPoint operates as if they are above the law and continue to show this with there continuous violations of the law. If LendingPoint does have a promissory note it is a negotiable instrument and according to the law 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, the alleged debt is paid in full.

Company response to consumer: Closed with explanation