BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Date of Birth : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the XXXX XXXX XXXX XXXX sent me a bill for a toll infraction in or about XX/XX/XXXX. I responded letting them know the vehicle was a lease and returned to the dealership in XX/XX/XXXX before the infraction. They asked for proof of the vehicle return, which i faxed in. The XXXX  responded wanting more documentation of the vehicle return before the infraction date. I faxed more documentation as requested. On XX/XX/XXXX I received a collection notice if I didn't dispute the validity of the debt within 30 days the collection would be considered valid. Unfortunately the 30 days ends today and I have to pay even though the debt is not valid. 

I would like to attach documentation at future date

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 2022-03-22
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Ive been lied to for months upon months by Robinhood investing on the release of my XXXX and the emotional XXXX XXXXnd mental XXXXXXXX caused by this situation has led me to very dark places Ive never been and I just want to share my story, I dont ever expect my money back from these lying, no good, scam XXXX because I am hearing this will not solve but only expose my situation, in XX/XX/XXXX I was received an restriction that indefinitely suspended my ability to open positions, withdraw or deposit any funds into or out of my account, this was a very aggressive restriction and come to find out this restriction was caused by something as simple as a reversed transfer, nevertheless after about 5-10 different agents all requesting the same VERY SENSITIVE information from me but at different times asking for my Bankstatement, photo copy of ID, XXXX XXXX ID XXXX and front of back of my social security, XXXX after submitting this information I was informed that I should be contacted within the next 2-3 days with a resolution on the outcome over the next days I was contacted saying my account would remain suspended and this was a FINAL DECISION and my remaining balance would be returned to my original source and upon completion my account would remain closed for disactivation. ( case Id XXXX from XXXX at Robinhood ) They then reinstated my account making me believe that this restriction was over and I could continue on there platform after they just told me that it was a final decision that my remaining balance would be sent to me within 60 days of the message marking the 60th day XX/XX/XXXX it has now been 120 days since originally I was told it would be returned and the process has not even taken the first step ( They wont tell me the first step ) Originally I was not thinking this would take this long because I was being told the entire time that there was an It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. this was red flag one million they were sending this exact same message as they were reading from a promt and that is when I decided to get more information from my bank as they said because over the course of the next month I was never informed on how the process would go about returning my original funds not only that I was permitted from having any information on the delay that was preventing my account from releasing the money,, after contacting the bank for more information the bank could not give me any information on the situation but thought Robinhood was trying to fraud me and closed my original bank now I dont even know if when they release if they ever do if itll have somewhere to go and this entire situation is just very heartbreaking the amount of information I am ALLOWED to receive about the issuance of my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am filling a dispute on American Express regarding the delay on releasing my rewards point. I had been told that the issue would be resolved 6 to 8 weeks after I hit the minimum spend. This is now the 10th week, and my account is still under review.

I have been on time with all of my Amex credit cards ( one personal platinum card, one business platinum card, and one blue cash card ). Moreover, payments on the card with bonus offer have met the amount that the promotional offer requires.

Amex can not give a proper explanation other than telling me that they have no access to the back office. I have complained more than five times and have had them elevated the issue to the back office but nothing was given back to me. I would like to have an immediate release of my points since originally I have over 50,000 points that were accumulated by my daily purchases. Now they have been freezing my points since XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1000.00} ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information XXXX, Equifax, and XXXX was inaccurate or missing including current address and date of birth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: TX
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:
ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use the online bill pay service from the bank. However, for three different credit card bills, they sent the payment a day late, resulting in late fees and interest charges in all three credit card accounts. When I tried to resolve this with the bank, they took my information and said they would investigate it. It has been over 120 days since filing for an investigation, and the bank has no record of the investigation upon calling them. I have spoken with customer service over the phone multiple times as well as with people from the branch at XXXX and XXXX XXXX XXXX all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/2018 statement. Kindly Note the page with Adjustment Purchases. XX/XX/2018 Begin temporary credits to begin a fraud investigation I never reported fraud. Note front page Merchants Credits for this period. XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL TOTAL CREDITS APPLIED {$450.00} This includes my payment {$77.00} ** Note how Adjustment Purchases that begin XXXX starting with the first one {$49.00} ( - ) WITH CUTE LITTLE SUBTRATION SIGN. All amounts listed After the $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$320.00} ARE NEVER PART OF TOTAL CREDITS APPLIED THIS PERIOD {$450.00} AT THE BOTTOM USSA LISTS THEM FRAUDING CONSUMERS INTO BELIEVING 2 CREDITS FROM ONE PURCHASE TO REVERSING MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS AND ***LOOKING LIKE THEY TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES XXXX ARE NOT INCLUDED IN THE TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES.?? DECEPTION PLUS USAA.??? CRIMINAL ACTIVITY AT USAA AGAIN.?? Also note the REVERSED CREDITS of {$28.00} XXXX XXXX XXXX XXXX XXXX ARE ALL THE TOTAL CREDITS for that period AND THEY WERE JUST PAID BY MERCHANTS. When were all these reported as fraud? ** Why are there beginning fraud investigations of already paid transactions???? ** Why WAS CREDIT NEVER MADE PERMANET REVERSED STEALING MERCHANTS CREDITS JUST PAID? Note the Reversed credits of {$9.00} & {$26.00} WERE PAID BY MERCHANTS THE MONTH PREVIOUS. KINDLY NOTE USAA CRIMINAL ACTIVITY places temporary credits to begin an investigation NEVER DONE to place WHAT LOOKS ** LOOKS LKE USAA CREDITS BUT WERE NEVER APPLIED they even have minus ( - ) signs MADE TO APPEAR THEY ARE INCLUDED IN THE TOTAL CREDITS FOR THIS PERIOD AT THE BOTTOM OF ALL AMOUNTS OF CREDTS ** BUT ARE NOT INCLUDED IN TOTAL CREDITS APPLIED FOR THIS PERIOD???. There are {$320.00} temp credits *** USAA USES TO PLACE PERMANET NEW CHARGES STEALING MERCHANTS CREDITS. HOW DECEPTIVE?? LOOK AT HOW LISTED CREDITS ABOVE TOTAL LINE ( ADJUSTMENT PURCHASES WITH A MINUS SIGN ) ** ARE NOT TOTALLED AT THE BOTTOM BUT ARE REVERSED?? USAA FABROCATED FRAUD to place WHAT LOOKS LIKE USAA CREDIT TO CONSUMERS SO THEY CAN STEAL MERCHANTS CREDITS. REALLY USAA? USAA ARE CRIMINALS. I STILL HAVE NOT RECIEVED ANY PERMANET USAA CREDITS AND IT IS TWO YEARS LATER. CRIMINALS NEED TO BE PUNISHED. HOW MANY OTHER CONSUMERS HAVE USAA FOOLED?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late ( they are different days by all the credit bureaus so i will attach a picture of it ) and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.

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 explanation
Consumer complaint received 2018-09-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i called XXXX mastercard ( XXXX XXXX ) today saturday, XX/XX/2018. my account due date is usually on the first of every month. i paid my account on XX/XX/2018 and i paid {$4500.00} 8 days prior to my due date. and XXXX mastercard is charging me a penalty for early payment. i think that is totally wrong, but they tried not to keep me as a customer and would rather lose me as one then to fix the problem. i have many accounts with XXXX XXXX and all the other ones i have never had an issue. so i began to close my account for the XXXX master card. and they care not to keep me as customer. and just gave me a lame excuse for their penalty for early payment. thank you XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, florida 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 monetary relief
Consumer complaint received 2021-12-03
Company: Navient Solutions, LLC.
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:
Continue to experience incorrect information that is being reported on my credit report by XXXX. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows XXXX XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. XXXX has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from XXXX. I would like XXXX to update the status to a Positive Account Activity. # XXXX XXXX also has on my Credit Report five ( 5 ) Student Loans from ( NAVIENT ) there is only one main account # XXXX ; although, they show all five on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( NAVIENT ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( NAVIENT ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have XXXX remove ( NAVIENT ) as negative and from the report. email : Navient.com XXXX reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a Consumer Complaint Against XXXX XXXX XXXX with the Attorney General Office Department of Justice to investigate XXXX and XXXX as they have the ( XXXX ) XXXX XXXX XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment XXXX Credit Report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
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 am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 


I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief