BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I initiated a deposit into Robinhood in the amount of {$5000.00}. On XX/XX/XXXX robinhood locked my account and initiated an investigation for reasons unknown to me. I have cooperated with robinhood in submitting all the requested documents such as bank statements, drivers license, social security card, and Live Photos. Robinhood has since kept my money locked with no access from me whatsoever. They keep asking for statements that I Have already provided multiple times. A remaining balance of {$2200.00} remains locked in my robinhood account. I keep Getting the runaround and it seems like I will never have access to my money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I woke to a text by Chase Bank about potentially fraudulent activity on my credit card. Upon checking my statement I noticed 2 charges in XXXX on my account statement, XXXX ( uploaded document ) XX/XX/XXXX & XXXX XXXX XXXX TX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX I live in XXXX XXXX but I was vacationing in New York, which is evident in XXXX XXXX in XXXX leading up to XX/XX/XXXX, including a legitimate purchase I made at XXXX in New York that same morning, below : XX/XX/XXXX & XXXX XXXX XXXX XXXX NY XXXX XXXX have also attached my flight info demonstrating that I was in New York XXXX XX/XX/XXXX to XX/XX/XXXX. Supporting this, several legitimate purchases I made in New York leading up to XX/XX/XXXX are shown in this same credit card statement attached. Please note that the only charge listed in Texas after XX/XX/XXXX was XX/XX/XXXX & XXXX XXXX XXXX TX XXXX, where I paid a toll for my car online. 

I spoke with Chase on XX/XX/XXXX, where Chase insisted that those charges in XXXX, TX could not be fraudulent and that they must have been made with a physical credit card. I informed the employee that I had my card with me during my entire trip in New York, and this is evident by the purchases I made described above, the flight information, and it is physically impossible for me to have both made the ( legitimate ) XX/XX/XXXX & XXXX XXXX XXXX XXXX NY XXXX purchase in New York the same morning the fraudulent charges in XXXX were XXXX. 

Despite this aforementioned evidence, I received a notice on XX/XX/XXXX that states for both fraudulent transactions, " You are responsible for the following transaction ( s ) '' with the explanation being " You received benefit from this transaction. '' I have been a loyal Chase customer for several years, never missing a payment, and my first time being a victim of fraud Chase accuses me of benefitting. I am requesting an apology and my money back for these fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2022-04-14
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am concerned with predatory practices which took place over 20 years ago. I was a federal student loan recipient and when I graduated from medical school I was told to consolidate. I chose AES to do the consolidation. As a 20 something who was facing 100K+ student loan debt I agreed to go with the company. I did not realize that I would never be afforded the same rights and protections as a federal loan recipient. I have been dutifully been paying for 20 years and had to refinance part with another lender last year for better interest rates. They would never speak with me about lowering interest rates, and split my payments so the majority went to interest. After 20 years I still owe approximately XXXX. On several occasions through the years my payments were misapplied ( due to my online bill pay being used and not their website ), and when I called they were " fixed ''. I also had to go only to their website to pay or they would split payments. When I requested a full transcript last year during refinance none of these errors were noted. I feel like they have adjusted the transcript to not accurately reflect my account. The one loan I could not refinance is because they say it was not an education loan. They would not admit that it was for a XXXX XXXX Assistance XXXX ( XXXX ) as it was used to pay off a XXXX loan. So its a new loan and I had to keep it with them! I don't know what to do besides to keep on paying however when I read about your department today i thought I would report it. I figure I am stuck and I understand that but I believe AES/PHEAA were dishonest with me years ago to my detriment and the detriment of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX ASST # 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. They have also illegally re-aged my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/202XXXX XXXX - Account was paid in full XX/XX/2022 XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX - Account was paid in full ( for removal ) XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full XX/XX/2022 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX - Account was paid in full ( for removal ) XX/XX/20XXXX 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 2018-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers. 
XXXX XXXX XXXX  XXXX chargeoff This chargeoff was caused by Identity theft. 
XXXX XXXX XXXX/XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
BANK OF AMERICA XXXX chargeoff This Charge off was caused by Identity Theft. 

As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission. 

The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX XXXX and the 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 2023-01-16
Company: First Federal Credit Control, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " XXXX XXXX '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: IL
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 reviewed my credit report and contacted Equifax several times by phone, mail and fax and advised they are reporting inquiries of companies that I have now knowledge of applying for these credit products. They they respond by saying, " even though I dispute these erroneous inquiries, since they are on my credit report, it is deemed factual ''. I totally disagree with their practice. They never do any investigation, just say they are factual. I contacted Equifax in XX/XX/XXXX by phone and advised of erroneous inquires as well as mailed a letter, then again in XX/XX/XXXX another call but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in XXXX stating I didn't have Hazard ins. on my condo. I'am in a HOA and the ins. was in tack and has never lapsed ion the 20 years I've been here. I immedialtly mailed the Mortgage co. the current policy. I also scanned and sent it. 
I called them after another letter in XXXX. I then had the XXXX ins. agent call them. 
It was all supposed to be straightened out. I have called 7 times since then, I'am told they have what they need and would call and mail me proof. 2 months of this and still XXXX haven ; t received anything. Now I got a letter stating my mortgage payment is going up XXXX dollars a month, starting XX/XX/XXXX. I don't know what else I can do with these people. They all tell me I will hear from them within 24-48 hours. It never happens. 

Please Help/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just received a response from Fay servicing on complaint XXXX This loan was transferred from XXXX XXXX In XXXX, We were on Covid forbearance ( current prior to covid ) XXXX XXXX started our modification streamline review before the forbearance was supposed to end in XXXX. A streamline was to put the past due at the end we were eligible because our loan was current prior to covid. We didnt have to be reviewed for a month per XXXX XXXX . 
The review started XX/XX/XXXX with XXXX XXXX we shouldve had a decision prior to transfer in XXXX. I called XXXX XXXX and they said Fay servicing shouldve pickup were they left off, that didnt happen. 
Fay servicing starting us a new review as if we were not already in modification review with XXXX XXXX, it was streamline they were reviewing us for flex modification no documents requested because our loan was current the loan was transferred and the investor changed. Fay asked us to complete the modification package for reviewTHEY DID NOT PICKUP WHERE XXXX XXXX LEFT OFF they said no such thing as streamline review but that is what XXXX XXXX was reviewing us for, they can clearly see no documents were requested from us from XXXX XXXX so how could they be reviewing us for modification, we submitted a complaint to XXXX XXXX as XXXX XXXX because they dropped the ball and now were having to go through all these hoops to start making regular payments. Trying to get our home current. 
The income provided to Fay for modification shows more than enough income than the underwriter calculated. Its self employment income and wage earnings from spouse. On the application it said XXXX for non borrower spouse, The paystubs clearly shows over XXXX and no one called to verify if more could be used, they just declined and said not enough income. We need the modification processed. A new review has been submitted. The loan is not in foreclosure now but received a demand letter and spoke to several people at Fay saying this will go to foreclosure any day. We need this resolved please. Need our payments back to were they were and the arrears put at the end please. We have a family and need our home. 
Its not our fault the communication with the XXXX servicers was misconstrued. Fay didnt pickup were XXXX XXXX left off, they started their own review and several people say its a different investor with Fay than XXXX XXXX was with XXXX again this is not our fault. 
I already have a attorney and willing to go to the news. Im trying to handle with these XXXX mortgage companies first. If the loan needs to be sent back to XXXX XXXX, I request that be done. They went over 30 days we shouldve had a decision XX/XX/XXXX XXXX weeks before the transfer and No one sent us anything saying we needed to send anything until Fay got the loan, The new package that was sent XX/XX/XXXX from my request..the underwriter calculated income incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a XXXX XXXX & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous XXXX XXXX  and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2022-05-19
Company: ALLY FINANCIAL INC.
State: IL
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:
There are inquires on my report that I do not recognize. 
I was alerted today four times back to back that someone had ran my credit, which lead me tp review my entire report. all of my car loans are through my credit union! 

XXXXXXXX XXXX XXXX  XXXXXXXX XXXX ally financial XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ITS ON MY CREDIT TWICE AT A DIFFERENT DATE. I ONLY RAN MY CREDIT ONCE AND I WAS APPROVE ALREADY. 

also XXXX ( THAT IS IN COLLECTION ) STATED THAT THEY WOULD REMOVE THIS ONCE I PAID IT IN FULL AND NEVER DID. 

PLEASE HELP, IM TIRED OF THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a minimum balance of {$48.00} from my XXXX  doctor which honestly I didn't know about. However upon checking my credit recently, I notice it was posted on my credit as a negative. I immediately reached out to the company and told them I was unaware of it and I made the payment. I am in the process of doing something that requires my credit report and this mishap has affected it tremendously. 
XXXX XXXX XXXX ... .account type Collection ... terms 1 month ... .XXXX2014 ... .closed ... late ... .. {$48.00} ... original amount {$260.00} ... original creditor 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 2023-08-23
Company: Experian Information Solutions Inc.
State: TN
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an 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 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