BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sold an item on XXXX which was a digital code for a game I had to send the code through XXXX messaging I received a message saying the person did not make the purchase I thought they were just having second thoughts because I did not deliver the code right away So I double checked by sending them a message to see if they still wanted the code or they wanted a refund and they said they wanted the code So I sent the code and then after I sent the code they say their account is hacked and do not communicate with their account So I call XXXX and explain the whole situation and they end up releasing the money on PayPal to me So a couple of weeks go by and then I get an email from PayPal saying there was a dispute and so I call PayPal about the dispute and I explain what happened and they tell me to appeal the dispute and I did what they said I get the results of the appeal and I somehow loss and the reason was I have no protection for intangible items but under XXXX buyer protection the buyer had no protection to make a complaint on XXXX so the buyer went around XXXX and did it through their bank So I called Paypal the day I got the results and asked why I lost and I explained again what happened and he said he would allow me to appeal again So I called XXXX to let them know what was going on and they said let 's do a 3-way call with Paypal and then when we call PayPal the agent tells me I am not getting an appeal and I will not be getting credited back the XXXX dollars they charged me which is split up by XXXX for the item and XXXX for a chargeback fee So the buyer went around XXXX by going to their bank and I am having to pay for the buyer 's mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Robinhood on XX/XX/2022 in response to a new account promotion with a deadline of XXXX XXXX time that day. I received an email that day confirming that my account had been opened and I subsequently fulfilled all other criteria to receive the promised {$600.00} bonus. 

Robinhood has refused to pay out this bonus, claiming that my account was opened on XX/XX/XXXX and thus ineligible. Additionally, Robinhood gave no prior indication of this decision until after all conditions had been fulfilled, including having assets with them for multiple months. However, reaching out to Robinhood customer service has resulted in agents on their end confirming that this is an issue with their backend system not correctly interpreting the terms of their promotion - Robinhood agents have confirmed that my account was actually opened on XX/XX/XXXX, XXXX time. 

The promotion terms can be seen here : https : XXXXXXXX XXXX The promotion explicitly states that the deadline is in XXXX XXXX : > Offer Period. This Offer is available starting on XX/XX/2022 at XXXX AM PT and ends on XX/XX/2022 at XXXX PM PT ( Offer Period ). 

In my most recent attempt to resolve the matter, Robinhood has stated that the determination of my account being opened on the XXXX, and thus being ineligible, is final and refuses to discuss their agent 's determination that it was opened on the XXXX, and thus eligible. Once Robinhood elects to move the support discussion to email, all of my messages are summarily ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the account several times with Equifax. The account was deleted but some how placed back and I was not notified that it would be placed back onto my credit file. I understand by law that I should have had a five day notice that this would be placed back but it was deleted for fraud so it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Capital Accounts, LLC
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:
Hi, My name is XXXX XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2018-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-07-08
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There are two incidents on my insurance company report increasing my rates. The first is for a comprehensive claim on XX/XX/XXXX. I never filed a claim or even had an incident to report or claim during that time period. ( I did address this with XXXX and they sent me to Lexus Nexus for both my issues - and they do not get you to a real person. the automated hangs up once I try my name ) the second is for XX/XX/XXXX. at the time we had XXXX XXXX. I came out of XXXX XXXX  to find a hole in the back of my XXXX XXXX. I called the insurance company about it and they suggested I have an adjuster come out so I did. They said if it was hit and run not my issue. the adjuster came out and said it was around {$800.00} damage and that I would have to pay the {$1000.00} deductible to fix it. I refused the claim. But was confused by his findings since the damage was done by someone else. 
both these incidents are causing a huge increase in my insurance. I have not made any claims in the last 5+ years with either of these insurance companies. ( We only switched because XXXX doubled my policy amount ) XXXX told me I could dispute both of these but can not get a live person at Lexus nexus. Can you please help. our policies are always paid on time, and up to date and consecutive. We have no claims. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX BANK Account # 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 explanation
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX Citi issued a letter on both my accounts informing me they had lowered the credit limit on both my cards stating the was due to information from credit reporting agencies. The limits were lowered to just above the balances owed. Naturally, this reflected negatively to the credit reporting agencies. I had never missed a payment and always paid more than the minimum payment. I had done nothing wrong accept take advantage of their COVID relief offer. I paid off one card and paid nearly {$3000.00} on my Citi Costco card. XX/XX/XXXX Citi received {$4000.00} on my Citi Costco card. Citi rewarded me by lowering my credit limit again, thus reporting it negatively again. Citi called me twice on XX/XX/XXXX requesting I call them back. I was given two call back numbers, never of which allowed me a connection to Citi. I called the customer service line, was transferred several times, finally reached the right party, named XXXX. She literally had nothing to say. Complete silence. I was well aware there was nothing she could do to resolve the situation as Citi closed my husband 's account a few months earlier for simply not using his card. I assume they intend to close my account, too. 

Citi is ruining my credit rating. I have an excellent payment record even though the pandemic had caused a very minor issue. Citi is not reporting accurate information, therefore, causing my score to drop. This affects the interest rates I am eligible for. That equates to thousands of dollars. I would like to open a class action suit as I know I am not the only one.

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 2023-01-30
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 2023-05-08
Company: EQUIFAX, INC.
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-01-23
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I can not afford my home ; I requested a loan modification from XXXX  Franklin and they approved me at a payment I can not afford. So, I tried to do a short sale, hired a Realtor, obtained an offer over the value and my realtor submitted to the lender. They took 2 weeks to review and then denied me for no reason, other than they want over {$100000.00} more from a buyer of what the house is worth. I know for a fact they have approved hundreds of other short sales using the market value. They refuse to use the market value with my situation. There is no other rational explanation on why they will not treat me the same as others clients. 

As described above, I have been denied to short sale my property, the lender says they are going to foreclose. This is a second lender and they are going to receive less money if they foreclose verses moving forward with a short sale in which they would benefit more. Why would a company choose to receive less money and deny me? They have approved many other clients, yet denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I've reached out to different reporting agency 's throughout the year of XXXX, from XXXX for them to report the correct address and employment,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
I received a loan from XXXX XXXX aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. I and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told by XXXX on XX/XX/XXXX XXXX central because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it. I bank with Chase because I want my money protected. If I unauthorized a charge it should not draft from my account. My bank should be on my side. If at any time a creditor can just dig into my account for any amount of money ... why would I continue to have a bank account?! Unfortunately I have debt because I have low income if this is the case I would live in fear everyday because I keep my income in my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I settled my payday loan debt with the XXXX XXXX via XXXX XXXX XXXX. 

Prior to XXXX XXXX receiving my account, National Credit Adjusters was responsible for settling the debt with me. Instead, they passed my account on to XXXX. 

Upon settling the debt with XXXX XXXX, they provided me the attached documentation to verify my settlement and {$0.00} balance account with them. 

On XX/XX/19, I emailed National Credit Adjusters ( NCA ) the same attached documentation and requested a paid in full/XXXX balance letter from them. They informed me that they needed documentation as well as the payment from XXXX validating my account had been paid in full. 

Since XX/XX/19, I have called NCA 's Compliance Department at XXXX at least 3x a day requesting this same letter. They are not responding back with proof of the account and I simply want a zero balance letter or it to be deleted from my credit report. 

On today, XX/XX/19, I have called their Compliance Department at XXXX still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I am unable to see the credit score in the XXXX  XXXX XXXX mobile App ( Free FICO Score ) from inception ( around XXXX months ). The XXXX XXXX employees are least bothered to resolve the issue and only interested to catch fight with me, those bunch of idiots have only one answer that I am new customer and that's why it is not visible, it would be automatically visible after " few years ''. They even don't know the number of years in their so called " few years ''. I believe XXXX months is pretty long tenure to populate FICO score. 

From around XX/XX/XXXX, I am following up with the XXXX  XXXX XXXX but its service is extremely unprofessional and they are not reporting my SSN to the transunion. 

I called to Transunion at XXXX XXXX XXXX at around XXXX XXXX  on XX/XX/XXXX and I have been told by Transunion representative XXXX that XXXX XXXX  XXXX is not reporting my SSN to transunion. XXXX  XXXX XXXX reports my address, birthdate, age, address and my payment history. 

It would be great relief if I would be able to see the FICO score in the mobile app of 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