BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: BARCLAYS BANK DELAWARE
State: CA
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-09-07
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am currently in the XXXX XXXX, where I do not have access to receiving SMS text messages with verification codes on my cellphone because I do not have my SIM card with me ( it was stolen along with my cellphone on XX/XX/ ) I do however still have my laptop and I have regained access to all my accounts successfully, as there are multiple ways of verifying my identity with financial institutions besides an SMS code sent to my cellphone. 
Robin Hood brokerage however, has been giving me the run aound and making it impossible for me to regain access to my account, despite the fact that I have access to the email associated with the account I have with them, I have my login credentials and I have submitted a scan of my passport and about a half dozen selfies of myself and myself holding that same passport. 
Robin Hood keeps moving the goal post every time I send them a photograph just how they described they want it. First they say they wanted a scan of my ID, then they wanted to see s selfie of me, then a selfie holding my ID, then they said that there can not be any glare at all on it ( impossible as the ID page has a security plastic coating ), then they said all of the text has to be readable ( so I had to take a selfie with my face and passport closer to the camera ), then, that more of my face has to show on the picture and then, that my fingers can not cover any portion of my passport ( which is unreasonable since they already have a clear full resolution scan of my passport and in the photographs of my holding it ; maybe not all the text is in full resolution and there may be a tiny bit of glare or the tips of my fingers may be on the edge of the ID page in order to hold it open for the selfie, but it is very obvious that it is the same passport they have a clear scan of ) A picture that shows my face from a normal distance from the camera, where all the text on my passport is clear and legible and where there is not a speck of glare and where my fingers don't cover any part of the ID page on my passport is undoable and unreasonable. 
Robin Hood keeps emailing me, saying that they will consider my issue resolved, but I still have no access to my account and can't manage my small investment in cryptocurrency that I have with them. 
This is like being robbed by this company and I need help. Please look at the photographs I have submitted to them and you will see how unreasonable and impossible to work with these people are!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: SUNTRUST BANKS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, This relevant to previous CFPB complaint # XXXX and supporting documents filed there. <P/>The final disposition of that complaint was that Suntrust agreed to move forward on a loan modification without requiring the signature of my ex-husband who is a hostile party. <P/>The final decision came through after I convinced him to sign with attorney threats and the signed docs were already enroute to Suntrust to meet the offer deadline. <P/>Suntrust then left it there and did not revise the documents so as they stand, his signature is still on the account. <P/>I requested that they remove him from the account based on their agreement to do so during the modification process which was based solely on my own income information and issued solely in my name ( but requiring his signature ). <P/>At this time I requested that he gets finally removed ( divorced in 2010, quit claimed off the property all supporting docs you have on file in the prior complaint ) and they have said no in three ways and are still passing me to new departments to discuss. I have spent an hour yesterday over two phone call and a phone call today with yet a promice that a 4th person will get back to me but the stance from each person remains that removing him is not an option.

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 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I received a notification that there had been a change to my credit report and that there had been a decrease in my score. When I checked my report it showed me that an inquiry was reported with Transunion for a XXXX XXXX card on XX/XX/XXXX for a XXXX XXXX XXXX. I immediately contacted Transunion XX/XX/XXXX to inform them that this inquiry is in fact not mine that has been reported against my social but that it is also an inquiry from almost two years ago! The Transunion representative name XXXX in Special Handlings Department in the United States told me there was nothing that she could do to help me even though she could see this inquiry had just been added to my report from an older date and did effect my credit score. I then contacted a representative at XXXX XXXX XX/XX/XXXX following the call to Transunion to dispute this inquiry. The representative informed me that I was not in their system, that she could not even find my having an account with them and that the card or account for which the inquiry was from does not even exist!! I am very upset about the effect this has had on my credit and this situation has now put me in a position to where I can not move forward with purchasing a new vehicle. I did not apply for any account with XXXX XXXX and want this removed from my credit and would like for my credit score to be readjusted to reflect that. It makes absolutely no sense to me that an inquiry that is not mine and from two years prior can be put on my report without my having knowledge of it but that I 'm constantly being told there is nothing that can be done to remedy this. I want it off!

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 2017-07-11
Company: EQUIFAX, INC.
State: TX
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:
On XXXX - I sent a letter to XXXXXXXX XXXX XXXX requesting back up from debt Did not receive any information back Company stated they do not have enough information from me to verify debt.
on XXXX - I made a 2nd complaint to CFPB that if the company can not verify the debt to remove from my credit report immediately Company stated once again they do not have info to verify the debt.
this was still not removed I contacted the credit bureaus to remove the information since the company XXXXXXXX XXXX XXXX can not provide back up/I have no idea what these are.
The credit bureaus informed me they can not remove unless they receive a letter from the company ... ... ... This is absolutely ridiculous if they debt can not be verified and detailed back up can not be provided then removed.
The company has enough information to report to the credit bureaus each month but can not provide back up???
REMOVE IMMEDITALEY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a pre-paid gift card as a gift. Tried to use it at a retail store, but was declined. Tried to activate and register the card on-line via the " XXXX  website by entering the card number, but was told to contact the company via the phone number on the back side. After 90 minutes on hold, I was told that I was to try to register it online. I advised the agent that I tried that and it didn't work. They then said to call the XXXX number on the back, and register it. I said that is the number I called and it didn't give me an option to activate it online. She kept repeating that it has to be done via the phone number. I repeatedly told her that that is the number I called and it did not help. I asked to speak to a supervisor and was told none were available because of long wait times. Basically, I have a pre-paid gift card that I am not able use anywhere and can't get the necessary help to activate it.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent a letter to transunion with a ftc report stating that there are unauthorized inquiries on my credit report. Transunion has responded saying it appears it was from a credit repair company. I am not a credit repair company. I sent a letter and ftc report because I am a victim of identity theft. My information has been compromised. I was a part of the XXXX breach. I want these inquiries removed immediately. This is hindering my life and finances. I have attached a new ftc report and I demand these inquiries be removed 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 2017-12-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX, XXXX I received an email from XXXX XXXX XXXX about how my employment has been recertified. On that same day, I receive a notice of my payment tracking and it says 0 payments have been counted towards my Public Service Loan Forgiveness from my past year of on time direct deposit payments. 

On XXXX XXXX, I received another XXXX XXXX XXXX email about my employment being recertified ( again ) and now instead of 0 payments counting towards my Public Service Loan Forgiveness, it says 2. Still, this sounds wrong as I have had direct deposit payments made every month for the past year with XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX to get an explanation as to why only 2 payments of the past year have qualified for Public Service Loan Forgiveness and I am told that it will take about 60 days for the request to review to go through. She informs me that payments do n't qualify if they are in forbearance or if I 'm late with my payments. She looks over my account and says it does n't appear that I had an issues ( no forbearance or late payments ) and the payments should be counted and reviewed in 60 days. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX as this is the end of the 60 days. I spoke with a representative and again he informs me that sometimes payment do n't qualify if they 're in forbearance or late. He checks my account and sees that all my payments are made on time and should count since nothing was marked on my account. As he checks my account he says it appears that 21 payments have been made towards my Public Service Loan Forgiveness and that I should hear back in the next few weeks with an updated qualifying payment email/letter sent to my account. 

On XXXX XXXX, I check my XXXX XXXX XXXX account to see if any of the payments went through and noticed that it still says 12 payments and nothing has changed. I called XXXX XXXX XXXX again asking about any updates for my payments towards Public Service Loan Forgiveness. The customer service representative told me she saw 22 qualifying payments were made and I told her that I was n't seeing the same information and it still only says 12 qualifying payments. She transfers me to someone else and this representative now informs me that I have been on a " rolling pay ahead '' program for the past year. None of the previous phone calls have ever indicated that I was in this program and my payments were being made on time every month. She informs me she will request my loans be transferred out of the pay ahead. She also informs me that she will put in a request to review all my payments from the past year and a half to be counted towards Public Service Loan Forgiveness. 

After 5 months of calling and waiting, and being told repeatedly that my account was fine, I have only now learned that I was on this rolling pay ahead program after a year and a half of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: IA
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:
EQ is reporting an alleged account from XXXX. I have disputed alleged accounts from XXXX prior and XXXX has been unable to provide any proof of an agreement between myself and XXXX, therefore if XXXX believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with XXXX. XXXX has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today being XXXX I received another call at work today atXXXX from XXXX which is Bayview and I have now been warned by my employer that continued personal calls will cost me my job since back on the XXXX of XXXX XXXX told me that they were removing my number. If I lose my job I will be unable to make the house payment all because of Bayview calling me at work and breaking Colorado Law as well as Federal law with calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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:
My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

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 2022-02-16
Company: EQUIFAX, 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:
Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.

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 2022-02-16
Company: EQUIFAX, INC.
State: UT
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:
I have filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and no results. 

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/2021 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 EQUIFAX XXXX XXXX EQUIFAX 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 explanation
Consumer complaint received 2017-12-29
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt. 

I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
had multiple unauthorized charges on my account in which I was promised that I would not be responsible for unauthorized charges. I spoke with American Express today as they called me and was told that they were shutting down my accounts due to 3 returned payments in which were handled and situation explained to American Express and I was promised that my account would not be subject to closure. The returned payments ( 1 & 2 ) as recorded was because of a stop payment put in due to the unauthorized, fraudulent charges on my account as instructed to do so until their investigation was complete which never happened. ( 3 ). The third returned payment was due to a simple mis-keying of a 6 while typing in my new account number. I immediately called in and informed American Express and was assured that my accounts were NOT and WILL NOT be subject to cancellation nor closure. I received a call from XXXX ( XXXX ) XXXX at XXXX XXXX ( American Express account review ) in which I was informed that all of my accounts were immediately canceled and that Im responsible for unauthorized charges. I have been misrepresented, injured and business now will suffer damages due to American Expresss misrepresentations and false promises which led me to believe that I was secure even after being a victim of identity theft. I am a single mother with a business and due to the current climate the world at large is in, I am subject to injury by American Express who without cause nor explanation closed all accounts ( personal and business ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 at approximately XXXX eastern time Consumer portfolio called a relative of ours and left a message stating they were trying to get location of our vehicle for repossession and wanted them to call back with information. They have contacted another family member multiple times a day even after she has requested them to not call her. Consumer Portfolio has also told us multiple times when we've made payments that they would move the past due to the end of the loan to help us, but this has not happened.

Company response to consumer: Closed with explanation