BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: ROBINHOOD MARKETS INC.
State: WA
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:
First off I want to sincerely thank whomever is taking the time to review this case, I'm sure it's not the most exciting thing. 

Anyways, I will post all fraudulent transaction details below ( at the very bottom, to make it easier ). 

My name is there I hope that's okay but no other revealing information. 

The company denied my fraud claim as you'll see the the " robinhood response '' screenshot BASED on the fact the gmail that was compromised had sent them an email offering them " promotion ''. Of course if somebody has my checking account information and creates an account with them under my email they have access to my gmail account. 

There reasoning went along the lines of " oh we had an email sent to us around the same time the account was opened, thus proving the transactions weren't fraudulent ''. 

They IGNORE all other red flags? I'm assuming they can track IP address locations and what not, why don't they comment on that? Or the fact I have NO history with making transactions like this in my entire life? Or the fact you can clearly see as soon as I saw the balance alert in my email i instantly changed all my passwords INCLUDING my bank password. 

There fraud team has stolen over XXXX $ from me and I would be very grateful if you guys could assist with this. I don't have {$5000.00} laying around, and I work very hard for my money. 







XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN  : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 been given a forgiveness for loans due to lifetime XXXX. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXX they all posted again I dropped XXXX points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is 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 2017-11-13
Company: MCMC Auto LTD
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a sick baby which requires a lot of medical attention. Being a single mother I struggle to pay my bills due to missed work attending to my child. My car payment has fallen behind by 3 weeks in the past but the accepted my late payment. This past time I fell behind by 3 weeks the company repossessed my car with out telling me. I got into a tiny finder bender but due to a XXXX recall it left my car undrivable so I had it towed to a place to get it fixed on XXXX. The repair garage ordered my part and told me they would call me when ready. After almost a week on friday XXXX I call the repair garage to see if my car was ready and they told me my car had been repossessed off their lot. My last payment making my car payment current was on XXXX. They repossessed my car XXXX. Not even 30 days from my payment making my loan current. Its a bi-monthly payment so it was behind 1 payment. I didnt have a functioning phone because my XXXX had the XXXX screen of death so I could not use it and couldnt afford to replace it at the time so if they tried to contact me I would not know. I also asked them how they even knew where my car was and they told me they put a tracking device on my car with out my knowledge. I called an atturney to get some help because even though my loan was current they would not give me back my car. The atturney needs my paperwork on the loan which mcmc auto never gave me so I called mcmc auto to get my psperwork and they said they will give it to me but I have to purchase it for {$45.00}. Which is completely wrong to make someone purchase their loan agreement papers. They wont even give me my account number or loan number. I am still current on my loan and I still do not have my car, my loan agreement, and unless I pay them an absormant amount of money for repossession, towing, Storage, and buying my loan agreement I will not get my car back. I will not pay the repossession costs because they repossessed my car not even being 30 days late after accepting a late payment all ready. This is putting me and my sick daughter in much distress with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call excessively, either daily or multiple times a day. I have advised them of the excessive phone calls and have been making payments on the account however they still call too much!!! Just on XXXX XXXX they called at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I expect additional calls today as they just do n't stop calling even with arrangements set up. I previous to that received a call on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. This is for an amount of {$200.00} and some change owed to Wells Fargo Bank. They literally call everyday except Sunday 's and Holiday 's. This is an extreme nuisance and I have arrangements setup with them to pay {$25.00} every 2 weeks.

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 2019-06-20
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been out of work for months now and Im not receiving any kind of income I just had a baby a few Months ago and now Im looking for work again. But I just need some time to find a job and get on my feet and I will assure that I will make my payments as long as Im currently employed. I just need a few months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. Each are to deny any request for credit or information under the name XXXX XXXX XXXX XXXX any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on TransUnion and XXXX  Credit Report. I have wrote in to the agencies and TransUnion still has not corrected this matter. XXXX  and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.

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 2018-12-03
Company: National Credit Systems,Inc.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : Account Name NATIONAL CREDIT SYST Account Number : Account # XXXX Date : XX/XX/2017 Amount : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: TN
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:
CREDIT WAS PULL WITHOUT MY CONSENT

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 2020-02-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It will be easier for me to forward a letter we sent to a senator XXXX XXXX, explaining on wells fargo mtg, just forged our signatures, or pre imposed them as we never saw any Notary, except when we first got our house, at Ohio XXXX XXXX  XXXX, Ohio XXXX, back in 1989. 

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 2020-02-19
Company: Experian Information Solutions Inc.
State: MA
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:
PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF 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 2017-11-10
Company: EQUIFAX, 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:
On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Coinbase that I used to buy XXXX XXXX. I have now sold my XXXX XXXX  and am looking to withdraw my funds. To do this Coinbase have said that I need a verified bank account ( I used a debit card to deposit funds ). I followed the verification process and on XX/XX/XXXX I  deposited the amount of XXXX from my bank account with the requested reference. Coinbase state that payment methods are verified after 2 days. Mine has still not been verified and the Coinbase Support are not responding to my enquiries as to what is going on. Essentially my money is being held hostage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Hillcrest Davidson & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2017 at approximately XXXX XXXX I contacted Hillcrest Davidson & Associates regarding a fraudulent item being on my credit report the young lady transferred me to her manager who then found my account and sent me back to the initial young lady I began to explain to her that I was a victim of identity theft and I had already went through the process of filing a FTC report and police report. She began to yell at me and said if I want her help I would listen and said she was n't gon na help me get the item deleted off my credit because I corrected her for her offensive language and the tone she was yelling. I stated to her that I would be filing a complain and she said she did n't care and hung up the phone in my face leaving me without any assistance and basically no hope in ever rectifying the matter with their firm because of the threatening and verbally abusive and unprofessional nature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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 an attempt to fix up some errors on my credit report, I have asked on several different occasions that the credit bureau 's verify that the information from a XXXX XXXX account that had been sold to Portfolio was reporting correctly. first letter dated XX/XX/XXXX it came back " verified '' from the credit bureau 's. I asked again, letter dated XX/XX/XXXX, the last one i sent on XX/XX/XXXX using the CFPB dispute letter. Each time, the credit bureau 's came back " verified '' or information " updated '' and the accounts are still reporting incorrectly according to what I can see and they have failed to respond to the CFPB letter within 30 days. None of the information that is outlined and requested on that letter had been submitted by Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CMRE Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This allegation of debt is false. I do not owe these people. They refuse to provide complete information. I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. The items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by synchrony bank concerning  a TJMAX credit c ard that was due, They agreed to remove all account information for my credit report once the check was cashed. On  XXXX / XXXX /   2016  the check was cashed I have called on several occasions to have the acct removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I started a credit card dispute on my XXXX XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX XXXX credit card account was removed from my credit report and I called XXXX XXXX and explain that I never wanted my credit card and there was glitch on Experian report or XXXX XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on Experian and XXXX and XXXX XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY EXPERIAN AND XXXX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX 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 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.

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 2019-06-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to get robo calls from General Service Bureau to my CELL PHONE number. I do not know this company, I don not owe any money this company and I did not give this company permission to call my CELL PHONE with the use of an automated dialer. The TCPA prohibits companies from using automated dialers to call CELL PHONES. Of the 20+ calls I have received from General Service Bureau on my CELL PHONE with their automated dialer, not one time has a person been on the line. All 20+ calls, I hear a serious of beeps for 10 seconds then a hang up. When I call the number back they put me on hold.

Company response to consumer: Closed with explanation