BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
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: Public record information inaccurate

Complaint:
Experian has not responded to my multiple request for validation or confirmation of validity of the following accounts reporting to my credit report : Bankruptcy ( removed from XXXX & XXXX ) US DEPT OF EDXXXX {$20.00} & {$59000.00} ( removed from XXXX  and XXXX ) XXXX {$4300.00} ( Removed From XXXX  and diffrent amount shows on XXXX  report {$4400.00} ) XXXX XXXX {$870.00} ( removed from XXXX  and Balance shows as {$0.00} balance on Transunion ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX  ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX ) XXXXXXXX XXXX XXXX ( Removed from XXXX  as invalid ) Letters have been sent requesting proof that I am responsible for these accounts and documentation used by experian to validate. All student loans were paid off and reported to all credit agencies. The bankruptcy was never verified by the furnisher as they have provided documentation that they do not provide such information to credit agencies. Experian fabricated there means of verifying this information and stated that they verified using XXXX XXXX I have attached documentation showing that my XXXX   XXXX  account has been frozen sinceXX/XX/2018 

I have made multiple complaints with CFPB and Experian always avoids responding by stating that I am not XXXX XXXX and that I am some sort of agency. They have been stalling for years using the same tactics. They have no right to report this information and have not provided any documentation explaining how the student loan accounts showed as paid off on all 3 credit bureaus then placed back on my experian account without notice or how they verified the public record with the court which does not provide this information to Experian. All request for validation on all other accounts remaining have also been ignored. Please see all documents attached as well as the recored call with Experian confriming Student Loans are paid off. ( they will not take calls from me anymore at this point ) They are avoiding me and by doing so they are committing fraud and causing so much damage by their negligence and refusal to abide by the FCRA.

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 2023-11-30
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX was paid in full on XX/XX/2023. Company has been non-responsive in releasing XXXX on vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states that 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-13
Company: EQUIFAX, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Robinhood. On XX/XX/2023, I wanted to transfer my XXXX  from Robinhood to my wallet outside of Robinhood. I went through Robinhood 's verification process. I received an email stating that I could now send and receive crypto. I went into Robinhood and logged in. Then they asked for my authorization code which I have on my XXXX XXXX. I pulled up XXXX and started to transfer XXXX to my wallet. I received a pop-up that said I could not take the whole amount. I adjusted the amount to XXXX and it went through as okay. Then I clicked the send button and Robinhood automatically restricted my account. I can not do anything with it as though they are holding my crypto hostage. I then proceeded contacting their chat. XXXX from Robinhood told me there was nothing he could do that it had to go to the Restricted Team. The only way to reach them was to request a call back. I waited all day yesterday and no call. This morning at XXXX AM, I received a call. After going through verification I was told she was from the Brokerage Team and I needed to speak to someone in the XXXX  XXXX. She told me that she would transfer me that there was no one before me. I was transferred. After waiting XXXX minutes, I was disconnected. I then again went on line and requested a call back again. I received a call back at XXXX AM. I was verified again and I explained the problem. I was told again that she could not help me that I had to speak to the Restricted Team. Again, she had to transfer me. When someone from the Restricted Team picked up, I again was verified. I explained the situation and I was told there was nothing she could do that my account was going through a review and that someone would get back to me. I told her that I felt as though there was some type of fraud going on that I have a right to my XXXX and that I was going to file a complaint. She said she would inform the reviewers and maybe they would put a rush on it. She also said that they were protecting me. I said... no... Robinhood is protecting themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Found a number of erroneous reports tried to dispute each. No action taken by reporting agencies ( XXXX, Experian, and XXXX ). 

Erroneous report # XXXX and # XXXX XXXX XXXX XXXX XXXX Was a victim of Identity Theft. XXXX had to completely fix account after giving unauthorized access to another person posing as me. XXXX XXXX XXXX was made aware of the issue and still demanded payment of fraudulent transactions or face legal actions. 

Erroneous Report XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX Demands repayment of illegally charged fees as well as collection fees. Amount actually used legally was paid on time. however I disputed the fees posted to my Account by XXXX XXXX asking for my signed copy of the agreement which was not provided. Within a day of the dispute XXXX XXXX immediately closed and sent the illegal debt to in-house collections and within 20 days sold the debt to multiple collection agencies. XXXX XXXX remains as the sole owner of the fraudulent debt. 

Erroneous Report #  XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXXXXXX Experian refuses to allow dispute of this record.

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 2023-11-28
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06
Company: CITIBANK, N.A.
State: LA
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:
Due to Citibank 's unethical, deceptive, and fraudulent billing practices, I have secured an attorney to dispute unlawful charges placed onto my account. Even though the account is currently in dispute status, and is now in litigation, Citibank continues to inflict emotional distress by placing late fees and interest fees onto the account. 

I spoke with XXXX in " Client Focus Services '' on XX/XX/XXXX ; and, XXXX ( from the same office ) on XX/XX/XXXX regarding the status of the account, to no avail. Although both stated that they would update my account by making note that the account is currently in " dispute, '' I continue to get statements with accrued late fees and other fines associated with the account -- all of which is very emotional taxing. 

I went a step further by contacting " XXXX '' in the Executive office about the harassment I am experiencing from Citibank. She was unhelpful, as she continued to reiterate the rebilled charges I should pay -- even though I paid the account in full prior to the due 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 2021-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA section 807 Violation False or misleading representations. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I am seeking litigation. Please delete at once. 

2. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. You are in violation of XXXX XXXX code XXXX XXXX g XXXX medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: PNC Bank N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXX in a transfer from my growth account to my spending account and they swiped in middle of tranfer. 
This was in my PNC Virtual wallet which is a three diff base accounts in one for spending saving and growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
ROCKET MORTGAGE LLC, in writing, promised that three ( 3 ) forbearances of fifteen ( 15 ) monthly mortgage payments of {$620.00} would be deferred at XXXX interest and not payable until the end of the loan account XXXX. 

Instead, ROCKET only deferred the principal portion of said fifteen ( 15 ) payments as follows : On XX/XX/XXXX, {$550.00} for four ( 4 ) deferred payments for XXXX, XXXX, XXXX, XX/XX/XXXX ; and on XX/XX/XXXX, {$1000.00} for XXXX ( XXXX ) deferred payments for XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; and XX/XX/XXXX, {$800.00} for XXXX ( XXXX ) payments for XXXX, XXXX, XXXX, XX/XX/XXXX for a total of {$2300.00} ( see XXXX XXXX XXXX FROM ROCKET MORTGAGE LLC with annotations ). The remaining {$7.00}, XXXX has been accruing interest on the alleged 1st principal balance. Additionally, ROCKET alleges a 2nd principal balance for the entire fifteen ( 15 ) payments that total {$9.00}, XXXX, when it only reduced the alleged 1st principal balance by {$2300.00}. Lastly, ROCKET mortgage failed to credit two timely homeowner payments from XXXX XXXX, XXXX, and XX/XX/XXXX, for a total of 156 days. ROCKET has illegally charged interest on {$7.00}, XXXX, which it denies needs to be reduced from the alleged 1st principal balance, for ( XXXX  YRS and XXXX MOS or XXXX days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The attachments explain in detail, I got furniture from XXXX and they went through TD Bank for the credit card. I provided all of the correct information to them and they will not remove XXXX as late. I show proof of giving them my correct address on the application as well as the fact that I had to provide my STATE issued license with the correct address. I was not to be billed until after I received my furniture which would mean, I would have gotten my first bill in XXXX, I even paid more than the {$75.00} minimum monthly payment in XXXX and again in XXXX. Had these late fees not been tacked on, XXXX would not have reflected late and I do my diligence to never be late on my bills. their error is negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Bread Financial Holdings, Inc.
State: CT
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 never received a bill due XX/XX/XXXX from XXXX Comentity Visa and was told nothing was sue for that date. I had paid the bill due XX/XX/XXXX in full but was charged interest because the credit card company had not received it in time, although I had mailed the payment on XX/XX/XXXX. The credit card company removed the interest charge for XXXX because I argued that it invites payments by mail and I can not control the speed of the mail delivery. Similiarly, it is not my fault that I didn't receive the XXXX bill and even though I called the credit card company, they said nothing was due. I disputed the bill XX/XX/XXXX and only paid the amount that I calculated was due. I was later mailed the bill that was actually due XX/XX/XXXX weeks later. 
Because I did not pay the full amount due for XXXX, even though I questioned the bill and was not provided a full itemization of charges until a copy of the XXXX XXXX was sent, I was still charged interest. 

I demand that all interest penalties and late fees be returned to me and that the credit card company report to all credit rating bureaus that all of my payments have always been current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any accounts or information which is found to be opened due to identity theft. 

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
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please look into Bank of America 's credit card payment system. There is no reasonable way to enable Automatic Payments, that is to have the balance automatically paid each month. Unlike every other credit card I have ever seen. Please look into this. If you XXXX " how to set up auto pay on bank of america credit card '' you will see dozens of people describing the same issue.

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 2023-11-23
Company: EQUIFAX, 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've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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