BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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:
I logged into my Experian account to check my credit report when I noticed some inquires that I did not authorize and I tried to dispute them online but the only option was to call a toll free number. So I did. The representative that I had XXXX, told me that I can not dispute inquiries. I can only call the merchant and hope that they remove them. This information on my report is not right and the company reporting it is allowing false information to circulate without any help to fix the situation. I asked to speak to a supervisor and XXXX refused me leaving this as my only option to get some help in getting this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has once again reinserted accounts that have already been proven invalid and they are continuing to do so every other month. this has to stop!!! They are in constant violations of consumer law 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, Financial Injury.

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 2021-02-11
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Robin Hood said I owed money on my account because a couple of transfers didnt go through the way it shouldve. Within a day I transferred funds to my account so that way wasnt at a negative balance anymore. If you currently look at my account today at {$55.00}. Theyve restricted my account from any trading. Ive emailed them countless numbers of times and allThey seem to do is look past it except for one time. I finally got a hold of someone on XXXX and they told me why my account was restricted. I instantly sent them a message back saying that the funds were direct deposited to my account and the direct deposit went through because my account shows that I have money in it. They never responded back. And My account is still Restricted. Its been 3 days. They still have my money and wont respond to me. Unacceptable. They know how important it is to miss a day or not pay attention to your stocks. Ive been sitting and watching my stocks for the last three days make a good return but I couldnt get the return because these XXXX wouldnt let me make an order.Because theyre too lazy to hit a button to unrestricted account that already has money in it. You guys lost me a lot of money and I seriously hope I can get those stocks at the same price that I saw it for the last couple of days. To be quite honest I should file a lawsuit but you guys already have too much on your plate with that. Unacceptable company as soon as my account gets unrestricted Im selling all my stock and Im going to a different app. You guys are disgusting and horrible. I only use you because you have a nice interface but other than that youre complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
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 USC 1681. 


Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: CA
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:
Over Billing and Extracting False and Excessive Fees, Breach in Billing Practices : XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} I NEVER made payments with a CHECK only online. The system kept refusing to allow auto payments even though the payment showed as accepted then days later the payment was refused and my account was charged {$22.00} Return of check when the payment was an online payment. There was no explanation for the payment to not go through because my bank account had more than enough money in it to pay the payment.

I have ALWAYS made my payments AHEAD of due date and paid " 3 '' times the minimum amount due!

Bank Statement XX/XX/XXXX - XX/XX/XXXX Charged {$250.00} for purchases that weren't purchases they were payments!

I called and spoke to 3 customer service representatives one of which was a manager and they all stated it is Citibank 's policy to charge a fee for setting of auto payments. I emailed the CEO XXXX XXXX in the month of XX/XX/XXXX and neither he nor any of his staff Ever responded.

.

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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit 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:
XX/XX/XXXX Re : Notice of disputed charge to Account I am writing to dispute a charge of {$3100.00} from XXXX XXXX  to my Chase credit card account on XX/XX/XXXX. The charge is in error because I never received the item ordered ( a couch ) and subsequently was told by the seller that I will not be receiving the couch. I attempted to dispute directly with the merchant but they are not reimbursing unsecured creditors. I filed a dispute with Chase, but I cant dispute through the normal channels because the delivery of the couch was estimated XXXX weeks after purchase, but I was subsequently told I would not be receiving the item. 

I ordered the couch on XX/XX/XXXX with estimated delivery of XXXX weeks. I was then told there were delays due to supply chain issues. I then learned ( XX/XX/XXXX ) that XXXX XXXX  was being Assigned for the Benefit of the Creditors ( ABC ), but that our order might still be fulfilled. I later learned ( XX/XX/XXXX ) that the order would not be filled. I contacted the merchant repeatedly and filed a claim with the lawyers for the ABC, with no success. I have exhausted all efforts to resolve this directly with the merchant. 

I subsequently disputed the charge with Chase, but I was denied due to the timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Spoke with XXXX XXXX from trans union who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of Transunion as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute XXXX with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than XXXX disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.

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 2020-07-29
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:
On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and Equifax have illegally obtain my credit report. I have checked the records and found that XXXX, XXXX, and Equifax are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of XXXX XXXX XXXX Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. XXXX blatantly told me on a recorded call that XXXX is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which XXXX has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form XXXX XXXX and a Form XXXX as all XXXX credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a XXXX charge filling as you have all colluded to defraud myself and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: TX
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX. XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
1681 ( b ) 2 state that these bureaus has to have my written permission to furnish a report.I have never agreed for these 3 bureaus to just take information about me and then tarnish my score. I will also like proof of them having my signature if they claim they have. Ive been harassed from multiple debt collectors on alleged debt that I the consumer have read over and said " I do not validate this debt '' which is technically just a allegation until I agree upon those debt. 

i also do not own a credit card from any bank .No bank has issued me credit therefore im not a credit card holder

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 2022-12-31
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
BMW Financial credit reported as late payment the ballon payoff for my vehicle loan. 
BMW states that the ballon payoff was due on XXXX. BMW deducted the a regular monthly payment on XX/XX/2020. This was right in the middle of the Covid crisis. 
I called BMW to notify that my son and daughter had covid. I was under the quarantine and ask if I can pay thru a Wire transfer and BMW refused to accept the payment method stating that it was company policy. I told BMW Customer service that Puerto Rico Governor 's Executive orders were one of the most severe Covid lockdowns of USA. I explained to BMW that under the lockdown and my quarantine, I could just go to the bank due they required an appointment and the only date available provided by the Bank was XXXX XXXX. BMW reply was that it was company policy and they could not make exceptions. I had to wait until XX/XX/2020 to make the Managers Check and they received the payoff payment of XXXX XXXX ( 34 days later ). I called BMW financial to ask for my history payment and to see that I never missed a payment in 5 years! This is discriminatory against someone who lives in Puerto Rico and following local Governor 's Executive orders and the XXXX for XXXX XXXX and XXXX Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Forster & Garbus LLP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
These loans are 20 years old. Forster and Garbus provided the attached document when I put a complaint through last year regarding the loans I have. The document states they will not sue, but they have since taken a garnishment. This initial lawsuit back in XXXX was past the statue of limitations so that seems to be shady tactics also. In XXXX they called my in-laws multiple times ( XXXX XXXX ) stating it was an emergency and I needed to reach out to them. The bank we originally received the loan from had a table outside of the financial office at XXXX XXXX. This was a predatory way of making people get private loans. I was the first in my family to go to college, my Dad came with me to do my financial aid and was given an ultimatum by the bank at the college. He was told it was my only way of being able to go to college was to get these loans. All aspects of these loans from start to now is shady and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MA
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:
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 non-monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this  clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation