BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
This situation happened 1 month ago and still can't be solved. 
Here is what happened. 

I had my money on Robinhood ( {$4900.00} ) and for unknown reasons I got my account suspended.A representative of Robinhood asked me to provide my State ID and XXXX bank statements in PDF FORMAT related to the debit cards I usually use to add funds to my Account. 

I kindly provided all the requested information except one Bank Statement. I ended up a relationship withone of the banks and wasn't able to provide a monthly statement in PDF Format I was able to get onlya paper variant of this document at the bank branch, because I am no longer a customerof this bank and it's prohibited for them to send this type of file through Internet. After several declines and about XXXX attempts to explain to Robinhood Support that I couldn't provide it, I finally got lucky whenmet the Manager of the Bank and talked to him and he kindly provided me with this PDF Statement. 

With happiness and full of confidence I provided this document to Robinhood expecting that the problem gon na be solved. But, unfortunatelyin 4-6 days, I got anotice that my account was closed permanently. 

I reached out to Support to know if I could get my money back and they told me NO, they told me that I couldn't prove the legitimacy of my funds ( they said after I provided everything they asked me for ). 

In final, I have about {$5000.00} frozen in my account and I can't do anything with it. They literally took my money away and don't want to cooperate further. 

Please help me I will attach below Bank Statement after I got my account closed and their final letter when I asked them to explain to me why my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently viewed my credit report and found out I have multiple identity theft accounts. Please remove this as soon as possible so I can buy a house for my wife and children.

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 2022-06-04
Company: Westlake Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OHIO XXXX I have an account that is showing me XXXX days late and at the time my income was affected by the Pandemic shut down. I am aware that they were allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my WESTLAKE PORTFOLIO MGMT/1XXXX are showing late pays I have since paid my account and it is fully current and I would like my account to reflect the current status to help protect the integrity of my credit profile. The late payments were reported in XX/XX/XXXX, XX/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 2023-11-14
Company: AppFolio, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I moved out of a property that was run by local by XXXX  I was there almost 2 years until management changed last XXXX some how section 8 paid them XXXX and I paid my portion which was only {$8.00} dollars some how me and section 8 was back and forth with them and they were paid I got ready to move I got denied because they put on my rental screening I missed XXXX payment so he tried to clear it up but was to late because I lost out from being approved so me not knowing that he still left it on a screening app that I had know way of knowing until now and I finally figured it out after losing money so I just went with my gut feeling and said drive to they office to see if it's still open and yes under a different management again I remember 2 individual from before and brought it to they attention she took my info and said I'll contact you after I look thru some ledgers she emailed me and said I didn't never owe anything and gave me a letter head stating that I tried reaching out to AppFolio numerous times and sent them proof of everything I have called called and called and left messages know response besides a email saying they are not removing anything it's said so I'm being turned down can't move have health issues it's mold and issues with were I reside since they moved different people in here that don't take care of things they saying I owe {$200.00} and I don't owe them anything that man XXXX did that on purpose and I want to sue them for damages and money I lost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.

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 2016-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Public Record Information that is inaccurate in its filing. The case is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and by Consumer Rights the credit agencies have to state WHO has " verified '' this negative entry. This derogatory has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Bank : Amount : XXXX : Actions Taken : I have called and spoke with them directly. Uploaded police reports for identity theft, asked them to remove this from my credit report as it is showing charged off, with a balance and with late payments and the debt is not mine. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have asked the above company to provide debt validation, ID, WeXXXX signatures and nothing has been provided to prove the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX XXXX XXXX XXXXXXXX whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

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 2023-11-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was online browsing for an airline ticket, suddenly XXXX XXXX offered me a good fare, I was about to purchased it and a window pooped offering me {$200.00} my first statement and XXXX XXXX bonus if I applied for the card, I did, I was approved and they never supplied me with the card to pay for the ticket, so they tricked me to accept the card, check my credit and etc for nothing, Fell like I was scammed.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX To Whom It May Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single XXXX XXXX number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate and make necessary corrections to my credit report XXXX I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2019-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed this fraudulent information with the credit bureaus and both XXXX and XXXX removed the accounts in question but Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I emailed the Executives at USAA to include XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter was in good faith to ask about the equities and securities I assumed I was entitled to being that I was the holder of such. XXXX also expressed possible securities and equities fraud that have been committed and to get an understanding to why finding the Trustee who services the account was difficult. Information that im privileged towards. When XXXX  XXXX  XX/XX/XXXX came aboutfirst business day since such email. USAA executives retaliated by closing every single account I had leaving me a veteran in pain and continued suffering. I think the world and those member 's of USAA should know about this if not reconciled by XXXX  I have reached out to media.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX XXXX XXXX XXXXXXXX whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX, XX/XX/XXXX I accessed my loan account online and paid off the loan via ACH transfer in the amount of {$22000.00}. The following day I found that the lender had debited my account twice for a total of {$44000.00}. I called the lender to advise of what happened, and they assured me that a refund check would be sent out within three business days ; I was quoted XX/XX/XXXX as the latest possible day it would be sent. I attempted to reach the lender by phone on Friday XX/XX/XXXX to confirm that the refund check had been sent, but was not able to get through to them. On Monday XX/XX/XXXX, I called and spoke with XXXX  ( XXXX? ), who advised that XXXX XXXX in accounting had placed a note on my account questioning whether I wanted a check or a refund directly back into my account. I advised XXXX that given the choice, I'd prefer a refund directly into my account. Several hours later I called again to confirm that this process had started, and was told by another representative that they could only refund via check. Further, I was given a timeframe of 30 days. Due to the error being on XXXX 's end, I do not feel that this timeframe is appropriate. The money in the amount of {$22000.00} that was stolen from my bank account should have already been refunded. I'm logging this complaint to ask for assistance with this process, particularly to expedite it.

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 2016-10-27
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax believes I am dead. About 10 years ago I started the onerous process of trying to get their misinformation corrected. I was not successful. I 've just been turned down for a loan because the lender uses Equifax, exclusively. I would like to see this problem corrected. The other XXXX credit reporting agencies give me an A+ rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: VA
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2023-05-10
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:
There is information on my consumer report that is a result of identity theft. According to 15 USC 1681c-2, Federal law states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. ''

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 2022-06-04
Company: EQUIFAX, INC.
State: NH
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:
Equifax complaint was received by XXXX XXXX from Equifax on XX/XX/XXXX. ( XXXX ) Equifax dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if Equifax engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on XX/XX/XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet has had my autopay set up for several years now, and suddenly it seems to have ceased working. My XX/XX/2023 autopay went through, I can see my XX/XX/2023 autopay is scheduled, and yet they're telling me today that I am past due for XX/XX/2023 despite Nelnet having made no attempt to auto debit from my usual checking account. 

This has a negative impact on the consumer because now the only way I can help myself, without waiting on the phone for an unpredictable number of hours only to have the call dropped, is to make a second payment in XXXX and just wait to see if they still deduct my scheduled payment, or to just skip XXXX entirely and see if the XXXX payment works as it should. Nelnet only stands to benefit - either they get double their owed payment, or twice the interest they should have gotten in XXXX. 

Either their pending payment record is broken, their past due notification system is broken, or their auto pay function is broken. All three are serious issues, especially since they offer a discount for using auto debit.

Company response to consumer: Closed with explanation