BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, XXXX and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian Credit Bureau is not displaying My first name properly which is causing problem in getting my actual credit report. I have uploaded my identity proof documents several times in last one year and sent hard copies of the documents 2 times in Since XXXX. 
They are saying, their database does not support my first name as " XXXX '' that's why they can't fix it. 
Fyi, I am getting my credit report from other 2 credit bureau with the same name without any issue. 
I am suffering for Experian 's reluctance in fixing their issue. 
I need a solution for it as I feel like I was not treated fairly.

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 2021-11-22
Company: FIRSTBANK PUERTO RICO
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a car loan with First Bank of Puerto Rico back in XX/XX/XXXX. I completely paid said loan on Tuesday XX/XX/XXXX. When paying off the loan, I accidentally made an excess payment through their online portal for the amount of {$490.00}. I contacted the bank throughout the month of XXXX to get the payment back and have been compliant in providing evidence from my primary bank, XXXX XXXX XXXX XXXX EXHBT 1 ). Even after showing the evidence, the bank denied having received the payment. After several weeks on XX/XX/XXXX, I get a letter dated XX/XX/XXXX stating that they did indeed receive the payment and that they would be sending me a check with the amount ( EXHBT 4 ). 

To this day, I have not yet received the promised check from the bank. I keep calling every month and their Department & Lending claims staff say they have tried sending the check to my address and that it is not valid. This does not make sense as they sent the letter saying they would pay the money back to the same address! 

They have also stated that they have called my phone number which is false as I have not received any calls ( XXXX ). They never call me back to try and resolve the issue and just say " They will try to escalate and get back to me '' It has been 4 months of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to equifax that arrived per certified mail on XX/XX/21 concerning validation of debt. I never received a response from equifax.Ive attached a comply of the letter as well which clearly shows this letter was notarized and included a copy of my id and social. Its been over 30 days and Im requesting removal of this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a text message from Robinhood that a bank account has been added to my robinhood account however I do not have an account with them. The text message was legitimate because it said I should report it to them by sending an email to XXXX, which is the same email account that they provide on their website. I sent an email and have yet to hear back. They do not have any telephone number where I can call to speak to anyone. Disgraceful that they are not taking this seriously. Would appreciate your assistance as I have no recourse whatsoever being a consumer and not having an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in my name.

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 monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CA
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 # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sXXXX XXXX XXXX XXXX XXXXre time. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
CASHAPP The issue is with cashapp customer care service. They dont have a direct line that I can talk to someone about my account so I sent an email to find out whats going on with my account why is it locked I have been using cash app for 2 years now so there shouldnt be a hold on my funds or a lock on my account. I sent my cashtag name and my full name phone number everything is listed on my account they refuse to take the block off my account. An is holding XXXX of my money for no apparent reason at all. I did the verifications an nothing is being done about the temporary block. This has. Never happen so I am seeking legal advice because I want to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Professional Credit Management, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX   XXXX  ,2017- $   XXXX  - Ca ll  XXXX   XXXX  and ask them to remove this off my credit report because was my Ex-wife Account. she fill Bankruptcy.  XXXX   XXXX  call my Ex-wife  (   XXXX   XXXX   ) a nd said because you fill Bankruptcy we will put this account on your Ex-husband credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Account number # XXXX I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Never late my payments please remove. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I also have all my certified mail copy saying it's delivered and i got my return mail slip as well. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Again, please provide what I'm requesting because I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, 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 2022-04-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I paid off my student loans in XXXX. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

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 2018-06-08
Company: Ad Astra Recovery Services Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I NEVER RECIEVED A LOAN FROM " XXXX XXXX '' I HAVE CALLED SEVERAL TIMES AND THEY SAY THEY WILL REMOVE THE ACCOUNT, SINCE IT IS AN ERROR ON THEIR SIDE, AND I STILL SEE IT REPORTING. THIS NEEDS TO BE DELETED FROM A 3 CREDIT BUREAUS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed information on the following accounts to Trans-Union Account Resolution- XXXX XXXX XXXX XXXX XXXX XXXX stated that they verified the information as verified and on the company response received by Consumer Financial Protection Bureau that they did not have any validation on the following accounts.

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 2020-03-25
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 sent Experian a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. Experian sent no documents from the collection company explaining why. 

I sent a dispute letter to the collection agency ( XXXX XXXX XXXX ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for sprints mobile services. 

The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on 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 2020-06-26
Company: EQUIFAX, INC.
State: LA
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 have some complaints with Equifax. First the 10 hard inquiries that just killed my credit report, XXXX XX/XX/XXXX was not authorized by me. XXXX XXXX XX/XX/XXXX told my that it was a soft pull.. So that wasn't authorized by me. XXXX  XXXX XXXX  XXXX, XX/XX/XXXX told me that it was a soft pull, so it wasn't authorized my me. XXXX XXXX  XXXX committed a act of fraud I think, on XXXX XXXX XXXX I purchased a XXXX XXXX XXXX I told them that I wanted too be finance through XXXX and if that couldn't happened I wold go too another dealership that does in-house financing and if they had too run my credit just run it with XXXX, that is it, that is all. But everybody just want a sell and will lie too get it..!! And this is where I feel this maybe fraud because on XX/XX/XXXX I purchased the XXXX XXXX XXXX but XX/XX/XXXX XXXX XXXX XXXX ran my credit again..!! Without my authorization I wasn't buying another car so why would they run my credit again without my authorization, could somebody explain this too me like I'm a XXXX year old..?? ( Why did they run my credit again without my written consent.? ) I didn't authorization a credit application with XXXX XXXX XXXX  on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX   Card on XX/XX/XXXX they told me that it would be a soft pull.. A Soft Pull.! A XXXX  XXXX on XX/XX/XXXX, I have a XXXX Checking and Saving a XXXX and a Platinum card I'm betting my head against the wall crying too get these Inquiries erase - deleted with-prejudice for good if the website didn't say that XXXX  XXXX didn't do a soft pull I wouldn't have done it. Equifax are not showing my XXXX and my Platinum credit card accounts 85 % of my credit report on Equifax is so incorrect and I'm disputing everything under the Covid-19 Bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. I have disputed to Experian and XXXX. 
But they do n't give me result of the investigation.

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 2023-02-02
Company: World Omni Financial Corp.
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Good evening, Sir or Ma'am, I am an active-duty serviceman, and back in XXXX I leased a vehicle through Southeast Toyota Finance XXXX Before the one-year mark, I received orders to be XXXX for 6 months overseas to an active XXXX XXXX. At that time, I returned the vehicle to the Toyota Dealership in XXXX XXXX where I was told that " Everything was good to go ''. 

About a year ago in XXXX ( and 3 years after I returned the vehicle ) I received a letter from Southeast Toyota stating that I owe them {$800.00} for " damage to the vehicle ''. 

When I signed the lease agreement, I purchased excess wear and tear protection for up to {$7500.00} ( see attached document ). But apparently Southeast Toyota Finance wasn't aware of this, moreover, Southeast Toyota is trying to charge me for something that is covered under the protection I purchased, affecting my credit. 

Looking forward to hearing from you. 

Respectfully sent. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation