BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: HYUNDAI CAPITAL AMERICA
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my XXXX dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my XXXX report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: ROBINHOOD MARKETS INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Good evening, I selected the topic of " indicating I was committing a crime, '' due to the 1099-B for a charge off of $ XXXX received by the IRS. Tax issues can be a crim This was from Robinhood over stock debt. The 1099-B was never sent to me, nor did I know about a charge-off. I have received a letter from Robinhood ( the alleged creditor, ) and XXXX XXXX ( a bank used at the time reported. ) XXXX XXXX is not part of this complaint and is not added as a respondent. Robinhood notified me in XX/XX/2021 that my information was compromised in a data breach. I also have received notification that XXXX XXXX experienced a data breach at the same time as Robinhood. 

I contacted Robinhood via email after being directed via their XXXX customer service. I told them who I was, my name, address, and phone number. They wrote me back wanting my SSN, DOB, and a few other items. I did not want to send that information as they have IT vulnerabilities. I did not want to call them because I didn't want to. So I asked them if they could match up the information they have from me with an account. They stated that they could not. I asked them to contact the IRS to remove the 1099-B by using the information they have from me to find the 1099-B that was submitted. They still refused and wanted me to provide information to assist them in correcting their mistake after allowing my data to be exposed. That is with all due respect to the entire company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Payward Ventures Inc. dba Kraken
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I transferred XXXX XLM ( virtual currency ) to Crypto Exchange Kraken. My deposit was never completed in my Kraken account. I followed the support procedure listed on the Kraken support website https : XXXX. I opened case with Kraken XXXX I was told I used an incorrect " Memo '' ID and that for security purposes I would need to wait 30 days. I patiently waited 30 days, on XX/XX/XXXX I heard back from Kraken stating they will start the recovery process.

I had not heard back from Kraken since the XX/XX/XXXX msg, I emailed them several more times and received no response. On XX/XX/XXXX I opened a new case XXXX, the following day the case was closed with no reason. I received another msg on XXXX saying my case was sent to a specialist and is being reviewed. 

Its been almost 7 weeks now and I still do not have my funds. I have read online articles that others in the same situation had the issue corrected within a week, I feel I am being pushed to the side because my amount is not as large as others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
For no reason, my PAYPAL account was permanently limited, and denied access to MY MONEY, when asked they provide no reason, As to why theyve done this, theyve repeatedly said violation of acceptable use policy, PAYPAL is using consumers, and abusing market power. I want MY {$11000.00} RELEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX, and I have never headed about a dispute, yet my dispute was for Membership Fees XXXX  that happened on XX/XX/2022, for {$64.00}. My case number Is XXXX and XXXX, and my cash app tag is $ XXXX. Please open my dispute and give me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
There is a alleged bankruptcy on my credit report. I have disputed it numerous times and all 3 credit reporting agencies keep telling me it was verified through a 3rd party company. I have reached out to the companies they claim they verified it through and the companies has denied claims. I also sent the denials to all 3 credit reporting agencies and they then claimed that it was verified through the courts. I went to the courts to see if this was factual and the courts informed me in writing that they do not verify anything to anyone. I then sent the letter to the credit reporting agencies and all 3 sent decisions back saying verified but will not tell me who it was verified through, how it was verified and the name of the person who verified it. It is my rights to know those things and if they can not tell me who it was verified through, how it was verified, and the name of the person who verified it with proof of verification, all 3 reporting agencies is to remove the alleged bankruptcy right away.

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 2022-01-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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 had only one credit card and it is paid automatically in full every month on its due date. With no warning my credit limit was lowered from {$30000.00} per month to {$8000.00} and my credit therefore overdrawn. I was refused credit and had to get money from my daughter to buy needed items even the food I purchase by the week during covid, etc. The bank informed me that my credit score with XXXX was only XXXX and therefore Fifth Third could no longer grant me credit limit of {$30000.00} and had no interest in my situation. This was on XXXX XXXX. I immediately contacted XXXX and they told me that my credit score on XX/XX/XXXX was XXXX. I was in the midst of a new loan, XXXX Bank took over XXXX, This became almost a game. XXXX told me my XXXX score on XX/XX/XXXX was XXXX. XXXX told me my score on XX/XX/2021 was XXXX. 
I was turned down for a home equity loan, My credit limit on my charge card request for a higher limit was refused. The banker said that this was not the reason for the refusal but I do not understand how FifthThird and XXXX could get numbers from XXXX that are not the same as the scores they send to me and I do wonder how to regain my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: PA
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 credit report, I noticed several fraudulent charges and/or accounts on my report. This has caused tremendous strain on my financial situation and prevents me from taking care of my family in the way I did previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: AR
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:
Theres a bankruptcy reporting on my credit file that shouldnt be there. Experian, XXXX and XXXX has not investigated this problem accurately. They did not physically check with the court house to verify bankruptcy. This bankruptcy was voided.

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 2022-05-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
this complaint is against PHH Mortgage. I have paid the loan off in full over 30 days ago and have asked for the Lien Release Document and have not been able to get it. the loan was paid in full on XX/XX/XXXX and i still do not have the lien release document and i am going to settlement on the home and need that paper. i have asked them and they keep telling me they are working on it. it has been over 30 days!!!! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone number XXXX has called my phone repeatedly and asked for a specific person. 
They will not identify who they are, their company name, what the call is in reference to ; they only state, " this is an important business matter ''. 
I called the number back and the recording says " XXXX XXXX, XXXX ''. 
I spoke to an operator and asked for the address of the company, the name of the company, the phone number, names of supervisors, etc. 
The gentleman that answered refused to tell me anything unless I gave him my phone number. 

I believe this is an identity theft scam. The name they have is one that was changed decades ago and only someone that does not really know the circumstances of the name change would continue to use that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX a charge was taken from my Indiana XXXX debit card. I notified them of this charge and took all the precautions to dispute the transaction. I can not speak to any representatives, Ive been on hold multiple times each over 30 minutes this is ridiculous. I have to report my card as lost or stolen to even have an option to speak to a real person. I currently still do not know what is happening with my case or money {$23.00}. Yea its just XXXX $ but its my childs money for XXXX and no money is available so my child misses out. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE 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:
the account should never be on my credit 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 2022-05-03
Company: Northeastern Credit Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter of alleged debt from Northeastern Credit Company, which stated to dispute debt in question by XX/XX/2022. I sent a letter of verification on XX/XX/2022. I have yet to receive verification for said debt but continue to receive calls, voicemails and letters attempting to collect the debt. They have violated code and I want the debt to be dismissed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian and they verified the accounts as accurate, which included a chapter XXXX bankruptcy dispute. I submitted a second letter via an upload on XX/XX/2021 requesting verification of the prior dispute submitted in XX/XX/2021 and on XXXX instead of Experian providing me with how the information was verified for the disputes of the accounts which included, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and Virginia Courts Chapter XXXX Bankruptcy they updated the records as investigation completed, they never sent the verification of the information on how they concluded that this information is factual which it is not..

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 2017-06-29
Company: EQUIFAX, INC.
State: PA
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 have already filed a complaint with other companies however neglected to file with the last and final repository company. I have a debt being reported to the Equifax credit bureau that does not belong to me however I have been unsuccessful with having the company remove the debt although it has been identified as belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2021-04-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase failed to credit my account for 2 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 2 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase erroneously grouped all items ( including the once they were unsuccessful without noticing the 2 which they were successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 2 which Chase did collect must be credit to my account without further delay. 
- See my letter for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: IQOR US INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving phone calls from this number multiple times. When I pick up, they do n't say anything and hang up. I called back today and asked them why they keep calling. The gentleman kept saying they do n't have any information on the account, so I asked him to put me on their do not call list. He said he would be more than happy to do that, but they do n't have any information on the account. It all felt a little scammy to me, so I hung up without giving any information to this person about myself beyond the number they were attempting to reach.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2017-10-31
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Dear Sir or Madam, I am currently serving in the XXXX XXXX. However, before joining the XXXX I accumulated XXXX debt in my student loan. I tried to work things out with Navient, but they could not help me at all. My pay check is XXXX, and the payment that I make to them is XXXX. I am struggling to break even every month. Also, I tried to enroll in the federal student loan forgiveness, they said that my private loan does not qualified to that program. I want to know that if that is true or they are just lies. 

Respectfully, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX 2017, I applied for an American Express Platinum card that was advertised as " spend {$4000.00} for first three months and pay an annual fee of {$450.00} and you will get XXXX points, plus other benefits '', I sent {$450.00} fee and spent more than {$4000.00} as stipulated, and now when I went to get my points, they flatly denied that they '' ever had such a promotion, even though it still all over the internet, they also claim that what 's on the web is not their promotion, but when you call one of those offering this promotion, you end up tight at American Express. This is clearly a deceptive and misleading practice by Amex, and I want either my XXXX points or return of my {$450.00} fee.I would not have paid a hefty annual fee for a card that I can without a fee. I also want my other points for the more than {$4000.00} that I put on this card, redeemed. This card is issued to me, it also mentioned my business, after denying that they ever had such a promotion, After denying that such a promotion ever existed, now they 're saying that this card is only for personal use and businesses are not eligible for it! even though there is no mention of such restriction anywhere!

Company response to consumer: Closed with non-monetary relief