BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: NV
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:
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. 

XXXX XXXX : # XXXX 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In response to cfpb complaint XXXX robinhood sent me an email at XXXX XXXX  with instructions to follow this link and do as it says. https : //robinhood.comXXXX Clearly someone incompetent reviewed the case, as usual... 
Then at XXXX XXXX they sent me an email from a " no response '' email address informing me that " We regret to inform you that after careful consideration, Robinhood will no longer support your account. '' and then there are instruction about closure. It also says " Please note that this is a final decision. Let us know if you have any questions. We will do our best to assist you with the transition. 
- The Robinhood Team '' Ironic .... there is no contact information, and I've been trying nearly daily to speak with someone licensed. Additionally I have been trying to transfer my assets out of robinhood for literally MONTHS but the transfer fails because robinhood fabricated documentation so the plaid integration does not function which is how acat transfers are processed to XXXX. Again, I have tried to remedy the situation with robinhood and they just spew some boilerplate and fraudulently mark the case as closed. I reopen it until eventually a manager looks at it, threatens me, and then markes it closed. No matter how many times I reopen the case they just do nothing and keep stealing from me. They do not know how much my account ought to contain, because they fabricated information with regard to my mstr holdings, which is why there is no metadata for the position in the application. When XXXX initiated an account sweep, it did not match... 
In addition to the retaliation, there was another unexplainable transaction in my account today where XXXX $ disappeared at XXXX The account is currently in a fraudulent margin call and robinhood has restricted my ability to deposit XXXX currency to meet the margin call in response to cfpb complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My partner XXXX XXXX was trying to use the link I have in my account that when applying and gets approved, the person who referred him will earn XXXX advantage miles, however the issue here is when he was trying to use the link he was getting an error message and was unable to use the link. Therefore, he went ahead and applied using the Barclays portal and got approved account # XXXX. I called customer service to report this inconvenience many times that day. Today XXXX I spoke to XXXX, she seemed a bit confused which led me to report this using the CFPB to avoid any misunderstandings and run around. She said a case was created # XXXX. I want to make sure the bonus points will be placed into my advantage account ( XXXX ). It really wasn't our fault that the link Barclays said to use didn't work accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled XXXX XXXX XXXX wireless account and paid amount owed. XXXX XXXX XXXX is attempting to charge me an additional {$120.00} that I do not owe. Moreover, XXXX XXXX XXXX stated that the charge was for " equipment, '' but I brought my own device. 

This disputed amount has been assigned to a collection agency, Credence, who repeatedly sends me notices to pay. I have tried to resolve this issue with XXXX XXXX XXXX XXXX First time, when I received notice to pay ; second time, when it was turned over to a debt collection agency. Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: SYNCHRONY FINANCIAL
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:
Synchrony Networks is discriminating against me because I am a XXXX XXXXn Female and not updating my " Payment Status '' on each Credit Report to show the Synchrony Account ending in XXXX was " Paid In Full '' as of XX/XX/2022, after I made the payment to XXXX, XXXX, XXXX XXXX who stated they, in turn, reported it to Synchrony Networks regarding the -XXXX  Account ending in XXXX. 

They are now making the consumer suffer with incorrect and inaccurate information showing on my Credit Reports. The Account was " Paid in Full '' for {$3100.00} which is reflecting on my Credit Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started my mortgage in XX/XX/XXXX. I was transferred to NewRez in XX/XX/XXXX. Because of my high amount of equity on my mortgage and perfect payment history on a conventional loan I should be eligible for the removal of an overpriced scam like escrow account. My loan balance is XXXX, and the home is valued between XXXX and XXXX. My income and bank account balance are high, I also have over XXXX in available credit. I meet all criteria including 24 months of successful payment history, yet have been ignored and denied removal of escrow acct over 5 times. My next step will be contacting an attorney and suing the the servicer and loan owner for red lining type of behavior and Predatory lending practices. I need an immediate resolve. My principal is XXXX yet my mortgage is almost XXXX. This is to make things harder, to try to create a negative account in which they can profit off of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: MRS BPO, LLC
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the course of the last 15 years or so, a former friend ( XXXX XXXX ) used my identity to co-sign her student loan request through XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$26000.00} ( including additional cost for late fees and " penalties '' ) prior to current Federal Law and Statutes. XXXX XXXX dropped out of college, and refused to pay the loans. XXXX XXXX XXXX XXXX XXXX attempted to collect the debt from XXXX XXXX via multiple collection agencies but to the best of my knowledge, were unsuccessful, therefore they attempted to collect the debt from me as the co-signer. This negativley affected my credit report and score for many years, costing me thousands of dollars of unnecessary high credit percentages for any type of loans I required vehicles, appliances, among other necessity. Eventually, the collection agency filed a civil suite against me in order to collect the debt, therefore I had no choice but to hire and law ferm to assist with the counter suite against the collections agency/s in order to remove this derogatory info from my credit history/report costing me even more financial hardship. The entire suite took over 5 years to resolve, and the XXXX XXXX Court System dismissed the case due to the Creditor and Collection Agencies failure to appear in court. Since then, I have spoken with XXXX XXXX XXXX XXXX 's managers/staff and they have been advised on multiple occasions that " THIS IS NOT MY DEBT '', and " I DO NOT OWE THEM ANYTHING ''. Furthermore they have been advised, as well as MRS BPO LLC to stop contacting me in any form about this debt, but they continue to send letters to a former address ( XXXX XXXX XXXX, XXXX, KY XXXX ) where I no longer reside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
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:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In XXXX XXXX XXXX  sent my check # XXXX to my Walmart/ Capital 1 card in the full amount WITH PLENTY OF TIME, as i usually did. The card Bank had changed to CAP 1.. They either lost my check in their mail, or did not get it. My credit at the time was XXXX Excellent.. They wanted a late fee. I told them to wait and check for the mail, as the Post Office was having problems delivering and Covid was at a high. I also mentioned to them i was not responsible for Post Office problems.. They did not find the check, so i sent another one to them on XX/XX/XXXX # XXXX along with a copy of my checkbook first mailing of the first check.. They then hit me with another late fee saying the second check came 1 day late. I told them that no other Credit card i had would treat me like this and would have dropped the fees. After speaking with many Mgnr 's and many letters from cap 1 Bill. They always said they could do nothing. And the fees grew from around {$29.00} to XXXX i Sent letters online to Walmart and paper to the credit card Co. Told them i would not pay this abuse, that this was despicable action against a XXXX yr old Senior.. they knocked my credit down to XXXX. And got a collection agency after me ; after explaining to the collection agency the situation they dropped the case and notified the Credit card Cap 1. My credit has improved to FICO TO XXXX GOOD. BUT WANT MY EXCELLENT RATING RESTORED. And warned Cap 1 i may take them to court and sue them .I would appreciate any help Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 sent in a letter addressing some inquires on my credit report that I did not authorize. I reached out to the companies & was told they have no record of my inquries. I then contacted the credit bureaus with the same issues & they did not properly investigate my request I was basically told we can't help you go talk to the company reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MS
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 Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX/Account # XXXX XXXX Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXXXXXX XXXX/Account # XXXX, Account Name XXXX XXXX XXXX XXXX/Account # XXXX, has violated my rights XXXX 

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 2022-11-28
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 submitted a dispute on XXXX XXXX in regards to some inquiries that is showing up on my credit report. Experian did not do a thorough investigation in regards to my dispute. They notified me within minutes that my dispute items was valid without any real investigation. When I called to question the validity of their investigation. I was informed that they dont dispute inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
To whom it may concern, I am writing to delete the following information in my file : SANTANDER XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Michigan Mutual, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is time sensitive as I may not have a home in a few weeks, please have someone follow up with us as soon as possible. 

In XXXX we have requested forbearance due to COVID. Since the beginning of XXXX we have been trying to get our packet from the mortgage company to re-install payments corrected, as initially they were trying to list our house as a foreclosure. We were advised by phone in XXXX that the loss mitigation was not needed ( although we have turned in the required paperwork anyways ) and that the payments due would be applied to the end of our loan or our payments would adjusted to repay over the next ten years. We have been calling weekly since then and keep getting advise we are waiting on the packet. 

On Friday, XX/XX/XXXX we received a notice that our property would be sold for auction on XX/XX/XXXX and on Sunday XX/XX/XXXX we have an inspector arrive to our property. 

I called again today on XX/XX/XXXX and advised of the notice, the inspector, and our current situation. Once again we were advised that the loss mitigation has been escalated and we should be receiving our paperwork to continue our payments. 

I am aware that a payment is due. I do not know how much to pay as I was told I may have to pay the past due amount since XXXX or continue payments as they were prior to COVID. I do not trust that I will get this taken care of in the promised next 5 days. I do not know if I need to find a place for us and our children. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is not correct! These accounts have never been late. I've never been late with my debt payments. I'm aware of my responsibilities! You are causing me stress by reporting inaccurate information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Please take action immediately your company is in violation of several laws according to the FCRA your displaying multiple incorrect accounts and it is effecting my ability to obtain credit. this is my last time reaching out on my own behalf next time you will hear from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
over the past year i have contacted Suntrust mortgage at least 6 times to get PMI dropped form my mortgage and have NEVER received a reply. i have called, mailed in their forms, faxed in their form, mailed letters to the escrow dept, mailed a letter to XXXX, the secretary of some VP, she has helped me with issues in the past. this XXXX has cost me roughly {$1000.00} in premiums i did NOT need to be paying

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 2023-10-01
Company: Experian Information Solutions 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief