BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. XXXX XXXXXXXX. Please delete this account ASAP.

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 2023-07-25
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Robinhood randomly restricted my checking account access and I cant use my debit card for any transactions. All my money is in this account and they just restricted it randomly and are holding my money hostage and giving me electronic responses whenever I contact them. I cant transfer money, pay bills or do anything. I want my money back now!! Ive been using this account for months without issue then all the sudden they restrict it for what?! Give me my money back so I can find a new bank to go to, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: NC
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 complaint is not a duplicate nor am I using a credit repair service. I am filing this complaint on my own behalf and I ask that Experian address this correctly and accurately. On dates XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21 I sent letters regarding inaccurate and misleading information on my credit report. XXXX XXXX failed to validate the alleged collection account. XXXX sent some documents with inaccurate information specifically the name on the account is not my name. The FDCRA Credit reporting laws ensure that bureaus report only 100 % accurate information on a consumers credit report and Experian has failed to provide this accurate information after i have sent two letters and additional documents pointing out the inaccurate and misleading information. On XX/XX/21 I also pointed out the same inaccurate information to XXXX  by letter and they responded promptly by correcting the errors and removing it from my credit report. I feel like im being ignored and having issues obtaining credit at a reasonable rate because this false information on my credit report. I demand that this account be deleted immediately or I will file for litigation due to the financial stress and higher interest rate i have to pay on loans!

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 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
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:
Letters were sent to Experian in reference to the incomplete and inaccurate reporting on my credit of XXXX XXXX and XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account and card was hacked. Over XXXX dollars was taken from my account. I filed a dispute. Within 2-3 days they closed the dispute. They didn't even do an investigation. Turns out the company is a gambling company. The transactions are coded as merchandise, not gambling. So if Chime would have done a real investigation, As required by law, they would see this transactions aren't only fraudulent but theyre illegal. 

I even asked for the documents they had that showed how I was at fault. They never sent them and I keep getting the run around. I don't know what to do and I really need help. Chime is breaking the law and stealing from me. I hope the person who " investigated '' these claims is moved to another job. He's caused me great pain. His supervisor should also not work for a bank. This is not fair. 

The dispute # is XXXX = XXXX Dispute # XXXX is XXXX = XXXX Also coinbase. Someone stole my identity. On this one they ruled XXXX of them were not my fault but one was? I didn't do any of these and never got any thing for over XXXX dollars worth of money spent. I got no service or product. And chime just doesnt care. 

Dispute # XXXX is XXXX = I was charged multiple times for XXXX XXXX XXXX of XXXX should be credited to my account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRUIST FINANCIAL CORPORATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Once again, I come to file a complaint about Truist bank, previously BBT. Truist managed to be worse than BBT. My complaint today concerns the banks refusal to complete the process of authenticating a non-Truist account for my money transfers, in violation of their contractual obligations. 
On XX/XX/XXXX I attempted to register my XXXX account as a non-Truist account for the purpose of money transfers. The process, as determined by Truist, involves making two small deposits in the non-Truist-account candidate, which later the client must enter in a verification step. The step is supposed to happen after an email is sent by Truist. 
This email was never sent. I checked all possible folders : it just wasnt sent. 
Two days is a lot of time in the financial market. Four days means that they are deliberately obstructing my transaction, or they are totally incompetent and negligent. In either case, they must be forced to comply with their contract with clients, which obviously involves allowing money transfers. 
Let us remember that Truist is invested in making transfers as difficult as possible, which is the reason I am giving up on them unless they give me a very strong reason to keep their business. 
Finally, they eliminated the methods of written communication that were one of the few good things about BBT. Not even the chat works. In accordance to the American Disability Act, I demand written communication only : I have hyperacusis and can not talk on the phone.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}

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 2023-05-09
Company: OLIPHANT FINANCIAL, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a letter from Oliphant USA LLC stating debt was owed. called Oliphant and spoke to representative and advised that the debt was not valid. Rep stated that she would note the account and send back to original credit XXXX XXXX XXXX Never happened, I called XXXX XXXX after the account was put on my credit and they stated that the company no longer had the account is was sold when they purchased XXXX. However the representative advised me that they were collecting on behalf of XXXX XXXX. When the account was added to my credit report, I contacted Oliphant and was advised that they did not know anything about the account anymore due to my file being collected on by the sister company XXXX and XXXX. Called XXXX and XXXX and spoke to rep and advised that I never received a letter to dispute the debt, and the debt was being disputed by Oliphant. RepXXXX stated nothing in file about a dispute and that he could send me a letter out regarding the validity of the debt. The account had been put on my credit report before I could dispute the debt. Oliphant is the collection agency that reported the account, however XXXX and XXXX is attempting to collect on a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received multiple letters from Portfolio Recovery Associates, LLC trying to collect a debt that was paid a long time ago. The statue of limitations expired ( they even state that on the correspondence to me ).  I have asked for any proof of that I still owe this since my records show this was paid off. The company sent me a statement of account ( first page ) ( like what you get in the mail ) that was dated XX/XX/XXXX. I have sent 5 letters to this company stating that I don't owe the money and that a statement of account is not proof of a debt. Today ( XX/XX/XXXX ) I received 3 letters from 3 different people at their company telling me to send a request for substantiation of the debt. They have reported this debt to collection agencies which I am now having to work to get removed from my credit report. I'm tired of this company ignoring my correspondence and continuing to report that I owe money I don't. They are affecting my credit score. Furthermore, they know they can't sue me for this debt but they won't leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: AMERICAN EXPRESS COMPANY
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:
I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX American Express filed suit against on credit card balances arising from two American Express card accounts ending in XXXX and XXXX. XXXX. American Express was awarded a Judgment against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 3. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by XXXX. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, American Express sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently American Express failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which American Express requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Debt collector has said that this account does not belong to them, but they are listing this debt, that is inaccurate reporting, according to FCRA information reported have to be 100 % accurate or should be removed from consumer credit file, also company has not provided a contractual agreement showing that they have the right to collect these debts. 
There for this should be removed from my credit file. 
Thank you.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-16
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting a formal complaint against American Express Arbitration : I opt out of all arbitration clauses linked to my account.

Security Interest : I rescind all security interests tied to my account.

Notice : This serves as formal notice of the above requests. 

I expect these terms to be adjusted respecting my consumer rights. Please acknowledge receipt and advise on next steps. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Prosper Marketplace, 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: Account information incorrect

Complaint:
Prosper Notified me in XX/XX/2021 via email that instead of charging me {$450.00}, which has been my monthly installment amount that they were going to, per contract, charge the remaining XXXX dollars in XX/XX/2021. 

I was I'll prepared for this, I called and emailed proof attached asking that they not do this. 

I run a business we are cash flow tight. 

They refused to heed my warning and on XX/XX/XXXX charged {$1000.00}. To exacerbate my fragile situation, 10 days later they took the other {$1000.00}. This cause Nsf and I lost my employees trust because his payroll paycheck bounced back nsf. 

I'd this fair? 

When I asked them to refund the {$1000.00} they said no I must dispute with XXXX. 

Fortunately, my bank reversed the charge. 

My employee employer relationship has been dramatically worsened by this failure to pay. 

I never missed one payment look at my track record To further cause insult, they reported to all 3 credit bureaus that I was a 30+ late payer After all I had to borrow to pay my employee while the bank worked on reversing the transaction and our trust built relationship is ruined. 

Please reprimand this organization fir preying on weakened businesses that have barely been able to catch our breathe post mid pandemic. 

I want them to fix the late pay. I paid them their {$1100.00} including late fee added XX/XX/XXXX. Should they have been able to change the contract repayment terms mid contract and report me as a bad payor as a result of their failure to refund me the $ $ the took two times in one month? 

Should I suffer? Is this morally, ethically, or humanely decent?

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 2022-11-14
Company: EQUIFAX, INC.
State: MO
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 filing this CFPB complaint so that I may monitor the Credit Bureaus ' response after the 30-day investigation period. I discovered that the previously challenged Accounts are reporting with wrong and lacking information as I revived my credit file. Send me notification that the disputed items have been updated or removed after conducting another investigation into the following data. I formally request the following accounts be updated or removed from my credit profile because they seem to be somewhat misleading and inaccurate. You have 30 days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. 

XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Solar Mosaic LLC
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Greetings, previous questions/responses do not apply to my situation so it is a proxy response for you to be aware. 

I have inquired solar panel installation for my house in DC in XX/XX/2023 from XXXX XXXX XXXX company ( XXXX ) who requested that my credit score is verified and the financing of the solar panels are secured by Mosaic Financing for XXXX installation. While XXXX XXXX ( XXXX ) did not make any progress and did not deliver on the project ( no plans, no follow-up ), after repetitive inquiries, I cancelled the request with XXXX on XX/XX/XXXX and informed Mosaic. 
Mosaic informed me that they have disbursed the loan to XXXX and that I have to start paying the loan back until XXXX cancels the project from their end. Meanwhile XXXX informs that it will take up to 60 days to cancel a project despite the fact that both XXXX and Mosaic had assured me that I could cancel " anytime '' during the design process. This is an agreed scheme between these two companies to scam consumers and I would like both companies to be investigated. 
XXXX Supervisor advised me on the phone at XXXX XXXX this morning that they will expedite the cancellation with Mosaic however I still would like to file this complaint for the following reasons : XXXX ) Mosaic can not disburse any loan to any company on my behalf without my consent XXXX ) Mosaic can not request loan repayment for a project that has not been implemented XXXX ) Mosaic can not finance customers without providing correct and proper information during the loan drafting process regarding their cancellation and disbursement practices. 
XXXX ) XXXX XXXX can not put customers through a detailed planning and financing process to do nothing XXXX ) XXXX XXXX can not take up to 60 days to cancel a project without justification XXXX ) XXXX XXXX should be transparent with their cancellation policy and inform customers properly during the design process. 

I have provided public reviews for both companies and will follow-up through local authorities as well. I would appreciate your soonest advice and action on this case that may harm other consumers who may not know their financial rights. 
Both XXXX XXXX and Mosaic Financing need to operate legally and ethically from now on. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation