BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: SC
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 systems were compromised, and there are hard inquiries on there that arent mine. And the discharged like my Bancruptcy, its fully discharged. Also my child support is paid and closed since XXXX. They refuse to take it off saying they confirmed it but cant show me how they confirmed 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 explanation
Consumer complaint received 2023-10-12
Company: MOHELA
State: CA
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:
Mohela required me to recertify my income in XX/XX/XXXX during the payment pause for student loans. Shortly after requiring recertification, all federal student loans were placed back into a pause in XX/XX/XXXX. I called in XX/XX/XXXX and they refused to revert the recertification that was not needed and that they never should have requested in the first place. They threatened me with a payment 4x my amount if I didnt do the recertification. When loans were paused again, this recertification should have been cancelled. I request the same rights as all other borrowers. They also still have not corrected my recertification date since it falls within 6 months of payments starting. It should be XX/XX/XXXX, not XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : 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 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 XXXXXXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.

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 2021-11-16
Company: OneMain Finance Corporation
State: TN
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 called One main who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. One main rejected my dispute, so I then sent more information to XXXX. Documentation from XXXX showing the account from One Main was paid and I now have a XXXX balance. One Main refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. One main is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had several issues with the robinhood platform starting with XXXX XXXX outing on XX/XX/XXXX Robinhood had an outing that of which cost me at least XXXX dollars based on the trajectory of stocks that day that I intended to buy in, and sell out on. 

I brought this to Robinhoods attention, at one point via phone, they promised me a free Robinhood gold account, I at the time declined. 

around mid XXXX, my account was suddenly switched from a CASH account to an instant settlement account upon applying for options trading. I was never notified nor was it disclosed. 
At that point, I contacted Robinhood on several occasions, via email. 

they failed to respond promptly much less at all on several Ocassions, only to finally help me get it back to a cash account after loosing several hundred dollars. 

I let it go, despite asking for the robinhood gold in which they then refused and stated despite the outing they could not do anything about it. 

XX/XX/XXXX rolls around, I apply for ROBINHOOD GOLD trial. 
Yet again, without being notified or it being disclosed I was switched to a INSTANT TRANSFER account, not a cash account. 
I traded, and built up my limitation which then was looking at a 90 day trading ban if I were to continue trading. 

At this point I was stuck with bothXX/XX/XXXX and XXXX stock which peaked significantly higher than my buy price, but it gave me an error stating I was facing a ban, which is why I first realized I was no longer a CASH account, again without my knowledge. 

at this point I contacted customer service and they stated my funds will finish the XXXX and I could have it switch. 

the XXXX came, they said my funds were pending even though I showed none, as of now I tried to sell my XX/XX/XXXXand XXXX stock, but it gave an error stating I was still looking at a 90 day trade ban. 

I contacted them again and never received a response. 
the day after I received a message requesting my phone number for a call back in which I received. 

When he contact me I explained my very frustration and he promised my funds were clearing the XXXX and it would be put into a cash account at that point. 

no transactions were done other than a cancellation. 

today it stated my transactions are complete and still will not let me switch to a cash account. I have sent emails the XXXX, with no response today. I have sent emails today demanding a response with no response today over 30 hours later. 

This is a disgusting experience that has costed me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-10-03
Company: General Motors Financial Company, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Affirm Holdings, Inc
State: VA
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 realized that I had multiple personal loans that were took out in my name from Affirm Inc . I reached out to XXXX to resolve the issue by filing and sending them an identity theft report. XXXX says the accounts with Affirm with valid, but I don't personally have an account with Affirm so I was confused on why I had loans on my credit report with them if I don't have an account. I reached out to Affirm on XX/XX/XXXX, they said it will take them 3-5 business days to send me an report stating that those accounts were in fact fraudulent and they have not yet responded back regarding why they granted someone multiple personal loans in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: CO
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: XOOM CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
I used XXXX online to send money to one of our family friend XXXX XXXX XXXX in XXXX. The XXXX transaction id is XXXX. My friend never received the money and they didnt refund me either. I have tried to reach them multiple times. Every time they say that their partner bank is not responding and will update me. But they never update me and its lost case at point. I need help of authority who can help me get my money back. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a Secured Party Creditor, I am the Executor over the trust, I have a NOTARIZED Private Security Agreement filed on record with the United States. A trust is mentioned in the FAQ of Bridgecrest Credit CoXXXX A trust document was sent to them with a Private Registered Setoff and Discharge Bond ( tracking # 's included ) to discharge the debt. A photocopy of the green card sent by certified mail ; the Secretary of the Treasury XXXX XXXX received ; to discharge the debt. A copy of the HJR 192 Bill that was passed XX/XX/1933 ; proof to discharge any debt dollar for dollar. I accepted for value with signature UCC 1-308...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Critical Resolution Mediation LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company is Critical Resolution Mediation, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ), this debt was for a loan taken out from XXXX XXXX. On XX/XX/20 I was contacted by this company at around XXXX XXXX   central time. I was told that if I did not pay a settlement in the amount of nearly {$2200.00} by noon on the same date, they would be forwarding this to the XXXX XXXX County, Missouri court system for garnishment and criminal charges for defrauding a financial institution. I told them that there was no way for me to come up with that money in that time frame. I then reach out to a local attorney and asked if it was possible for them to file criminal charges and was told to not give them any further information. I ceased all communication with the company and they called at least 5 times after my " deadline ''. 

Today ( XX/XX/20 ) I have received several " Restricted '' phone calls that I have not answered. They have also called my mother today ( XX/XX/20 ) and told her if I did not reach out to them by XXXX XXXX, that they would have me detained and I would spend 3 months to 6 years in jail. They gave out all of my personal information in regards to the debt to my mother and frightened her. This has been harassment like I have never seen before. In my opinion this is a total violation of the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Amsher Collection Services, Inc.
State: NH
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 XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : AMSHERCOLLECTIONSERVICES XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In the past I had an Elder Beerman credit card which I have not used since XX/XX/XXXX. Bonton took over the company. 
Between XX/XX/XXXX and XX/XX/XXXX I worked with a debt settlement company. The last thing I remember about paying a bill to you was sending a check and it was returned to me in the mail. I also tried to do an online payment and it didnt work. I didn't pursue it and my work moved to a different state. I also never received bills from you. 9 years later I received calls from a collection agency that wanted me to settle with cash or they would serve me legal court documents. They say they had served me papers which I never received. They called my office and even talked to my employees. They never sent me anything in writing. I didnt respond because their number was reported as a scam. 
Forward now to XX/XX/XXXX I now live in another state due to work. Another collection agency called my son who lives in another state and said that I needed to contact them or they would make a decision without me. I called yesterday and they said they sent me papers 38 days ago, which I never received, and they decided to be gracious and give me 24 hours to respond to an email. The email was asking for a settlement amount and I had to pay all with a credit card. They gave me no other options and called today saying my 24 hours was up. How am I supposed to know if they truly represent you and that they are not a scam? 
The last time I used my card was in XX/XX/XXXX, 14 years ago. 
In XX/XX/XXXX I tried to send your company an email regard this but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion by phone on XX/XX/XXXX and spoke to a representative in the USA call center to request several items be investigated under FCRA for possible inaccurate or fraudulent activity regarding several hard inquiries. I do not recognize two specific items : 1.  XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. I had also mentioned the XXXX XXXX inquiry should have been a soft inquiry for a credit line increase ( XX/XX/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 2017-11-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an email from Chase about a bill, thinking my credit was affected by that breach from the credit bureau. I ran my free annual credit report and saw Chase on there for {$95.00}. I have the card, but had paid it off and not used in over 2 years. I called Chase, and they explained it was for an annual fee ( I had never been charged a fee ever ). I explained to the representative that I do n't pay fees, have n't used card in years and wipe it out and close account. He said he could not waive the fee. I asked why, and was given some explanation that made no sense. I had just received the email about a statement and was telling him to close the account. He said he could close account but not waive fee. I then got angry and told him if not closing account and I have to pay the fee, leave it open. I paid the bill immediately as not wanting to affect my credit. But, the more I thought about it, this was not right. I have great credit and do not use credit cards with annual fees. I do n't know if they did this because I have n't used the card? I do n't know why they just did n't close it for inactivity, but instead charged fee?? 
CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX card ends XXXX

Company response to consumer: Closed with monetary relief