BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: ROBINHOOD MARKETS INC.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I signed up with Robinhood on XX/XX/XXXX. I signed up for their upgraded Gold account for {$9.00} which gave me a higher margin account. I made an initial deposit of {$4000.00}. Which is all I used on there. My other bank I tried to deposit funds with kept rejecting Robinhood deposits. So they put a hold on my account. Which was unnecessary since I had everything I needed to covered. They then limited trading with stocks such as XXXX and others that I bought. 

They basically said they had to put a hold on my account as I did not enter my legal name on their website. My driver 's license says XXXX. XXXX is my middle name. Middle name was not a required field. I entered XXXX XXXX. Good stall tactic. 

So I told them since they are holding the account, not allowing me to do anything, I just wanted my {$4000.00} back and they could close the account. They will not respond to me. I have tried all avenues to contact them. There emails are coming back now saying something equivalent to the mailbox is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint the company servicing the my mortgage account since XX/XX/2019 has impose fees such as late fees. Has repeatedly claimed I have not made a payment or was late on my payment even though I have proof of money orders mailed and cashed. I have asked for Shellpoint to send me a itemized letter of payments received, money order reference and the balance at the time and they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Resurgent Capital Services L.P.
State: GA
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:
I asked several times for lvnv Funding to verify my 2 debts. Lvnv Funding has continously sent me blank statements saying that it was verification. I asked if they would delete if paid. They said no. I recently removed dispute comments from all of my credit reports, to start the mortgage process ... ..I took a significant hit on my points. Less than 2 weeks later ... .LVNV funding has decided to ruin my life a little more and put the comments back. This is rediculous!!! Now to remove the comments again ... .I 'll have to take another hit on points. I want these 2 accounts they hold deleted!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to multiple data breaches I decided to place a freeze on my credit reports for security reasons. I was able to register for an account online and place this freeze with XXXX and XXXX, but Equifax gave me an error regarding inability to verify my identity, and that they would send me a Pin to verify my account. I got the letter in the mail and followed all instructions to register the pin and try to connect my account. I keep getting a message saying " We can't complete your request at this time. 
Please call the Customer Care team XXXX '' However whenever I call the number i am unable to get a customer care representative. It just keeps asking me to verify personal information and information about my credit report, and then says " unfortunately we can not help you '' even though all of the information I entered is correct ( verified through credit reports ). 

I tried re-creating a new account, but it says i have an account and need to try to login to it. I tried resetting the password ( which asks for personal information to verify your identity, and then gives me the same error message above. 

I am stuck in an endless loop of errors and systems that are completely useless, and have no way of entering my account to verify my credit freeze or manage my credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to Experian and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact XXXX XXXX. This error is preventing me from obtaining credit and to build towards getting a loan for a home.

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 2019-07-01
Company: EQUIFAX, INC.
State: GA
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 have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I am facing a hardship and have not made my mortgage payment for 3 months and do no want to lose my home. I have visited with a housing counselor and advised I contact the CFPB because my loan has been transferred to a servicer I can get through on the telephone to see what my option are. We have sat in the office of my counselor for hours to no avail. I would like to have someone from PHH Mortgage Services to contact me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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: Their investigation did not fix an error on your report

Complaint:
Checked credit report and noticed two unauthorized accounts on my file.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2019-05-16
Company: MORTGAGE SOLUTIONS OF COLORADO
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/2019 mortgage payment had returned NSF and then paid in XX/XX/XXXX. I then made my XX/XX/2019 payment online, but then Mortgage Solutions called asking for my XX/XX/2019 payment. So I went back online and made the payment again thinking it didn't work the first time, but it did so the second payment I made NSF. Which caused me to have two NSFs, therefore I have to mail in my payment until XX/XX/2019, I was told. I mailed my XX/XX/2019 payment to the address on the payment coupon certified mailed. They said they never received it, so I went to the post office and got a copy of the receipt signed that they did received it. I gave them that information, but they continued to call me about it. So I asked how I could send the information, one option was to email it to " XXXX '' and so I did. I have uploaded a copy of the email response being undeliverable to this email. And I have also included a copy of the payment coupon with the address that I sent my payment to that they say they didn't receive. And a copy of the money order stub and certified letter receipt for both XX/XX/XXXX and XX/XX/XXXX.

They told me to send the payments to the corporate office. So I send XX/XX/XXXX 's payment to the corporate office address. I find it strange that I couldn't find a customer service phone number on line for this company and that even though I mailed my payment to the address on the payment coupon they provided, my payment didn't make it to them. And also that they provided me with an email address that isn't valid. Now I find that they have reported on the credit bureau that I missed a payment. I just called them but they were not opened yet, but the automotive system says that my next due is XX/XX/2019, which is correct. 
Now I just need them to remove the late and/or missed payment from the credit bureau reporting systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Factor Trust
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to fax my information to XXXX, the fax number listed on web site. Not a fax number, number has been disconnected!!! I tried to enter my information online XXXX XXXX XXXX the Link does not work? 

Is this some kind of XXXX  scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Companies like XXXX are distributing 20 year credit reports which are being utilized by illegally staffing agencies, housing, and other types of businesses. The credit reports are highly inaccurate and do not display current information. The information is not current and does not have the correct information on it. Under the Fair Credit Reporting Act, credit and collection agencies reporting for Texas can only run credit reporting for a four year period starting from the current year to the previous three years. Housing can only run a two history starting from the current year to the previous year. I am receiving calls from individuals on car warranties on vehicles that I haven't owned since 2001.

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 2019-07-01
Company: Experian Information Solutions Inc.
State: GA
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 have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected 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 explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/XXXX I submitted a dispute to Equifax regarding some accounts on my credit report showing the incorrect balances. I am trying to obtain a mortgage loan. After speaking with a loan broker I was adviced to cancel the disputes that the loan broker will make sure all the account balances update accordingly. I called Equifax XX/XX/XXXX in which they adviced me to fax them a letter canceling my disputes. I faxed the letter on XX/XX/XXXX. OnXX/XX/XXXX I get an alert to check my credit and all but 1 account dissapeared off my Equifax credit report.

I am missing : - XXXX XXXX  credit card -XXXX XXXX credit card -XXXX   credit card XXXX XXXX credit card -XXXX XXXX credit card -XXXX XXXX XXXX XXXX then the XXXX XXXX credit card is showing an old reporting age not the most recent one of last month.

These all were showing as of yesterday, they had been there since opened few years ago, all accounts are supposed to be open and in good standing.

I called Equifax and they can not help me. They have no response as to how my file got 99 % deleted.

I called all my creditors and they say they report to the bureaus monthly and can not explain how Equifax has done this. 

This is hurting me more than ever. I need my credit report to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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 credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for TransUnion. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed from TransUnion

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX a federally protected consumer has recently reviewed my consumer credit file and notices some unauthorized items. I did not give persmission to anyone to furnish or collect debt because pursuant to 18 USC 8 all obligations are of the United States. I am a natural person and its federal law that I should hold you accountable for violating my consumer rights.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank advertised a promotion to encourage direct deposit and account opening - KeyBank. The promotion provided you a {$200.00} reward if the deposit requirements were met. I did meet these requirements and received the {$200.00} in my account. The issue is that now I have also received an interest income statement for the {$200.00} which was not disclosed in any of the advertisements for this promotion. This after the fact disclosure where I now have to report {$200.00} in interest ( my account APR along with the amount I deposited would not have even come close to yielding this amount of interest ) income for the tax year. I believe the company demonstrated an unethical promotion and failed to disclose all the terms. I had spoken with several associates about the terms of this account early on after opening and was given incorrect information about when the deposit would be made, and when I had to fulfill the requirements which ended up being elevated allowing me to speak with a manager. I was also unable to have excessive fees waived for a transaction as small as {$1.00} which overdrew my account {$.00} cents for which I was charged at total of {$67.00}. The notice of overdraft was sent to me days after the transaction posted so I did not even receive ample notice to remedy. There were plenty of opportunity during these conversations for the disclosure about the interest statement to be made but it was never disclosed even by the manager to whom I spoke about my initial elevated issue on the incorrect information about the terms. The failure to disclose this important fact is unethical is not reflective of what I would consider fair practice around disclosures and excessive fees. Do not open any accounts with KeyBank no matter what the promotion. Fees are excessive and you will receive an XXXX for the payment although it is not income. Deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received correspondence from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, original account number XXXX, MCM account number XXXX, stating that if I do not pay {$1700.00} by XX/XX/2018, they intend to litigate this case with an attorney. 

I do not feel I owe this debt, for reasons that I will reveal if they litigate and this case goes to court, or if they get an illegal judgment, without going through all the proper procedures. 

I did not contact them, because a collection agency is not interested in helping me, but only wants to find out if I have any assets, so they can, " nail them '', before anyone else does. In my case, even if they litigate and win, I have nothing that they can get from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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:
After reviewing my most recent annual credit report. I've noticed that experian is reporting inaccurate information on my consumer credit report. Collection item under the name ; XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX. 

Please see description in the attachment Account under the name XXXX XXXX XXXX has reported an inaccurate account without providing notification five business days prior to report in this account. A violation of federal law FCRA rules section 605b.

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 2018-07-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My first request for debt validation all that was received was a copy of a statement and a letter saying this is yours. I have again ask for complete debt validation.and have not received.any information at all. Meanwhile this item remains on my credit file and is causing me.problems with obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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:
XXXX  and Equifax continue to report negative fraudulent information on my credit report. They are in violation of the FCRA.

Company response to consumer: Closed with explanation