BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Rent Recovery Solutions
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:
My identity was used to lease an apartment at XXXX XXXX XXXX that was reported to my credit XX/XX/XXXX from an existing account from XX/XX/XXXX in the amount of {$5000.00}. I have contacted the property and they acknowledge that there was fraudulent activity and that in fact the person that leased the apartment was not me due to their lack of verification upon leasing the apartment. I have also reached out to the collection agency RENT RECOVERY SOLUTIONS and they also have acknowledge the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about XX/XX/ly 13th, 2023, Robinhood improperly locked my brokerage account without proper justification. The lockout was based on an incorrect interpretation of my location during a routine login attempt. I had logged in while on vacation in XXXX, which is not a Sanctioned Jurisdiction, as incorrectly assumed by Robinhood.

Subsequent attempts to clarify my location and resolve the matter were met with significant delays and unresponsiveness from Robinhood. 
As a result of the account lock, I have been unable to access my brokerage account and the funds held therein ( approximately {$10000.00} ), which is causing extreme financial hardship. The majority of my savings are tied up in this account, and the inability to access these funds has resulted in extreme stress and an inability to cover essential living expenses, including tuition, rent, and other basic necessities. 
Robinhood was grossly negligent with my request for assistance. It took over a week to receive an initial response from Robinhood, and it was a request for more information. It is important to note that there was no other way of reaching Robinhood from my end. Their support phone number plays an automated message before hanging up, and the only other method of contacting support is through the app. I was unable to do this because Robinhood locked his account, thus preventing me from signing in.

As of XXXX XXXX, Robinhood has still failed to unlock my account, despite me sending in all the necessary materials to resolve the issue. I have attached a picture of the false accusation, along with proof of their faulty email server, which made it extremely difficult to contact their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of consumer protection laws and to seek your assistance in enforcing my legal rights. The violations I outline below have had a profound and detrimental impact on my life, causing severe emotional distress and financial hardship. 

1. **Unauthorized Inquiries ( FCRA ) : ** Creditor XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX Account Number : XXXX Violations : Incorrect high balance, inaccurate date of last activity, reaging accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit, improper reporting. 

3. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

4. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

5. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX 6. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations have significantly impacted my life. The inaccuracies and unjust reporting have hindered my ability to secure housing, employment, and credit. My family and I have endured constant stress and emotional turmoil as a result of these violations. The financial hardship caused by the inaccurate credit reporting has strained our ability to provide for our basic needs and future aspirations. 

I implore the Consumer Financial Protection Bureau to use its authority to enforce the applicable consumer protection laws and ensure that these violations are rectified promptly. I kindly request that you initiate a thorough investigation into the actions of the creditors listed above and take appropriate measures to hold them accountable for their unlawful practices. 

Furthermore, I respectfully demand that the aforementioned creditors provide verification for the disputed accounts or remove them from my credit report immediately. These unverified and inaccurately reported accounts are causing irreparable harm to my financial well-being and overall quality of life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to rectify these violations and restore my rights as a consumer. 

Sincerely, 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 2022-12-21
Company: WELLS FARGO & COMPANY
State: NM
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:
Wells Fargo indicated loan was on deferment, then reinstated it without telling our son. As a co-borrower, XXXX payments were listed as late and this has effected credit rating. When my son found out the loan was reinstated, he tried to pay, but their electronic system was down, and they issued another late payment on our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-06-18
Company: EQUIFAX, INC.
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 decided to pull my credit because every single tme I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with XXXX and it was sold to Freedom Mortgage. During the sale I was never notified and was not aware of anything going on. I continued to pay my mortgage payment to the XXXX. by the time I figured it out I was late on a payment. I paid it and explained to them that I was never told. Since then I have continued to ask them for a account and transaction history including a running balance but they never give it to me. They keep sending me the wrong thing. I have been requesting this for over a year. I need this because I do not believe they are applying my payments correctly and there is no way for me to check with out that information. there customer service is horrible. you can never speak to anyone. it seems that all of there departments are not customer facing and everything you ask for has to be put in a request that never gets done. I have asked to speak to people higher up and get the same response. let me put in a request. I have never had this much trouble with a mortgage service company ever. I really wish they would sell this loan to someone else. It is absurd that mortgage company 's are allowed to sell loan any random company that does not have the same values and customer service as the company you made the loan with.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: GA
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:
According to U.S.C 1681 Section 602 I have The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports U.S.C 1681 Section 602 The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports Experian keeps on updating the fraudulent accounts on my credit report after I have asked them numerous of times to delete those fraudulent accounts. At this time I would like be compensated {$1000.00} per violation for them violating my rights. XXXX does not have me in their system as customer. They told me they dont have a date these alleged accounts were opened nor can they provide me a balance. They told me they told me they will be investigating, and deleting these fraudulent accounts, but less than a week after I submitted my dispute, I have already heard back from Experian claiming to have updated the accounts. Disputes take up to 30 days. A proper investigation can not be completed in less than 7 days. This is what I have been dealing with with Experian. This is racism, and notl only I would like {$1000.00} per violation, also I would like {>= $1,000,000} for pain and suffering. I have been stressed and unable to get housing, a good job, and get funding for my business. I truly believe I am being targeted by Experian, and I would like this settle in court since they are refusing to delete these fraudulent accounts. Once again I never signed any contracts with XXXX bank nor have I done any business with the entity to have them reporting on my credit file. I am seeking a lawsuit. I have reached out to my lawyer, and they will be receiving a court soon. The accounts I am referring to are below : 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 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: CL Holdings LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX  as well as XXXX  to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAC Financial Corp
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a medical bill that is in collections. That I received no bill for in the mail and no written notice that it was even in collections. 
And looking at the timeline from when it went into collections It was around a time that I had filed an identity theft report with each of the credit bureau 's. I have tried to dispute this with XXXX XXXX XXXX  credit bureau 's. Because that's where it's showing up at. And they have verified that the information is all mine and therefore it must be mine. Yet I have no written bill or any kind of attempt to collect on the bill or to collect on the collection debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}

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 2022-12-21
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I would like to know why I " signed '' an appraisal acknowledgment waiver on XXXX stating that I didn't have to be provided a copy of the appraisal 3 days in advance of closing and then an appraisal acknowledgment on XXXX stating that I received my appraisal 3 days prior to closing for a house in XXXX, XXXX. The only one I got was on XX/XX/2020, from XXXX XXXX stating that the house was in XXXX, XXXX. The waiver states that I should have received the appraisal immediately upon completion or 3 days prior to closing. Not either one of those things happened. 

Is this why XXXX XXXX was emailing back and forth with our preferred XXXX XXXX? Our preferred XXXX agent stated to XXXX XXXX that the appraisal had nothing to do with insurance replacement costs and provided the mortgage company with a XXXX valuation report. The insurance agent could not get the mortgage company to disclose the price of the home and we could not get alternative home insurance. 

On my Closing Disclosures from XXXX, and XXXX the location stated XXXX, XXXX. XXXX the Closing Disclosure stated XXXX, XXXX  again. 

The total Closing Costs paid at Closing ( J ) on XXXX were {$19000.00} On XXXX they were {$1400.00}. On XXXX they were {>= $1,000,000}. 

I could go on and on and on about the issues. Im just trying to figure out what happened and why I'm being punished for all of this. 

The water right of way for XXXX XXXX states that we were in the old subdivision of the XXXX XXXX XXXX which is owned by XXXX XXXX XXXX not sure if that has something to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries from XXXX XXXX ( XX/XX/2020 ), COMENITYBANK/VICTORIA ( XX/XX/2020 ), & XXXX XXXX XXXX XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries from XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), & BK OF AMER XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
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 dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely XXXX, Experian, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities. 
I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly. 

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.

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 2023-09-06
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:
This is my 15th 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 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

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