BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had a Robinhood account for years. It is tied to a long defunct email address and I need to access my account. Their " customer service '' people have called me by the wrong name, referred to my account as someone else, sent me instructions for someone else 's account and generally wont respond. I provided them with the verification they requested and then they changed their minds and are now claiming they need something else. My concern is that this new verification they are demanding will be uploaded to some eles account and compromise my identity. There is no way to speak to anyone at the company other than a random email address they have been ignoring me at for two weeks now. 

I want my money and I want to move away from this terrible institution that should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Diverse Funding Associates LLC
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:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I had my XXXX XXXX and XXXX XXXX Subsidized loans consolidated with XXXX XXXX ; these were subsequently serviced by Navient. In XX/XX/XXXX I requested a temporary forbearance due to COVID-19 and the fact that my FFELP consolidation loans were not a part of the student loan pause created by the CARES act. They had me believe this was my only option and that I was not eligible to reconsolidate these loans to take advantage of the student loan pause and more importantly to me the pause on student loan interest. I resumed payments in XX/XX/XXXX and have continued to make payments on time, and often above the minimum amount due, throughout this time. I have recently ( XX/XX/XXXX ) become aware that I am able to apply for a Direct consolidation loan and immediately applied after learning this from a studentaid.gov representative. I have contacted Navient ( XX/XX/XXXX ) asking if there were any way to adjust my account and remove the interest charged during this time and apply it towards the principal and was told the only thing they can do is a forbearance or possibly lower my payments. 
This is a company that no longer services federal student loans, yet is allowed to continue to deceive it's customers and profit from the misinformation it provides. I have paid thousands of dollars in interest during this time that would have all gone towards the principal had I consolidated with direct loans years ago as a direct result of this deception by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX  XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX CT XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX via XXXX  XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX Requested 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-12-08
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I called Discover due to declined charges. As I was shopping, I learned that my payment was past due {$230.00}. I asked the representative to process a payment of {$240.00}, where I was advised that even if there was a payment made, the card could not be unlocked until the next business day. I admit, I was quite frustrated because of the inconvenience of the denial and the embarrassment, considering my credit limit. Additionally, I was already in the store attempting to make a purchase. While speaking to a rep who was only able to assist to a certain extent. I then requested to speak to a supervisor. The supervisor did not come off very helpful. In that moment, I requested to speak to her superior. The supervisor told me there was no one higher than her. With more dissatisfaction overcoming me, I requested that the account be closed. I assumed that the lender would have some type of retention resolution in conjunction with regard for the relationship that has be established. As well as my proven payment history. However, that was disregarded. During said call, as the supervisor was reading her disclaimer the call was disconnected. I called back to learn that my account was already closed. In this complaint, the goal is for my account to be reinstated, with the exact limit in which was granted to me. My account can be reviewed to see that I have a great payment history. Furthermore, I would like a coaching opportunity to occur with the representative/supervisor. I do believe that there should have been some type of retention resolution which I was not granted. I believe that a seasoned/assertive representative/supervisor would have afforded me this in efforts to resolve this call with first time quality resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX while at the mall my debit card and work cell phone was stolen and used to make fraudulent purchases and email account was hacked. I contacted XXXX lender on XXXX when I realized that my account was then being reported late. I had previously attempted to access my account repeatedly but was unable to do so due to countless attempts not authorized by me to access my account. On XXXX I called and spoke to a representative regarding this issue and they where able to change the email on the account and I was finally able to change the banking information associated with the account. In regards to XXXX I filled a report immediately and locked the debit card to prevent any purchases. I still to date have not received the money that was taken out of my account and have asked for updates on the status of this on the following dates XX/XX/2023 and XX/XX/2023 still no updates as of yet.

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : US DEPT ED Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Open account Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$8400.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-05-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: IL
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/XXXX, Experian received my dispute for multiple collection accounts that do not belong to me. 
I discovered that the account did not belong to me but instead belonged to an individual with a similar name. 
I provided relevant proof to demonstrate that these multiple accounts do not belong to me, and I mailed a request for documentation from the original collection agency that can verify and validate the debt. 
Documents revealed addresses where I have never resided. 
In addition, XXXX XXXX XXXX sent a response that included a HIPPA form with a signature that does not match mine. 
Experian didn't perform a proper and comprehensive investigation after receiving original documents from the collection agency. Experian instead responded with " account has been verified. '' The multiple accounts are still on my credit report. I need this removed. 

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 2022-06-17
Company: EQUIFAX, 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 i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. 15 U.S. Code 1666b, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment 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 2023-07-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
This complaint is with regards to my paypal account under the email address XXXX. 


Paypal initiated a chargeback and debited my paypal account in the amount of {$1400.00} plus charged me a fee of {$15.00} for the chargeback. 

I had provided information in the form of a signed document from the purchaser that he does not dispute the charge of {$1400.00} on XX/XX/22 to XXXX XXXX XXXX to his XXXX card ending in XXXX. Yet, Paypal has refused to acknowledge the soundness of this explicit confirmation and has not replied to my communication to them asking for steps needed on my behalf to uphold this authorized charge. 

I am attaching the document signed by the cardholder affirming that he does not dispute the said charge. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Opened a new checking account with Chase on XX/XX/XXXX I had paid off my overdraft fee and deposited around {$1000.00} only for my account to close down and now I am unable to get my money back unless the check is verified. I have given Chase all the possible ways to verify the check with the company but they did not accept it. It has now been a little over 3 months and still has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -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 2023-12-04
Company: LEXISNEXIS
State: NJ
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 am writing to file a formal complaint against LexisNexis regarding the handling of a dispute I initiated regarding a public record on my credit file. 

On XX/XX/2023, I submitted a dispute to LexisNexis concerning a public record ( reference number : XXXX ) currently listed on my credit file. The record appears to be inaccurate and has adversely impacted my credit report. Subsequently, on XX/XX/2023, I filed another dispute regarding the same public record as it had not been resolved or adequately addressed by LexisNexis. 

Despite my repeated attempts to rectify this matter, I have not received a satisfactory resolution from LexisNexis. Their response, dated XX/XX/2023, acknowledges the filing of a dispute with XXXX, XXXX, and XXXX on XX/XX/2023. However, as of XX/XX/2023, LexisNexis claims they have not received a response from these bureaus regarding the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have recently pulled my credit report in preparation for a home purchase and saw I had an account in dispute status. I called all 3 credit bureaus to get this creditor remark removed an was assured it would be removed. I pulled credit reports again on XX/XX/XXXX and saw the remarks still on my report so I called AGAIN and was assured they would be removed. To date XX/XX/XXXX, they are still showing on my credit report. This is causing me delay in getting my mortgage. This is VERY damaging to me as I was assured twice now that this would be resolved in 48-72 hours. 

ALL DISPUTE NOTATION IN THE CREDITOR REMARKS MUST BE REMOVED FROM MY REPORTS. I DO NOT DISPUTE ANYTHING ON MY CREDIT REPORT. ANYTHING SHOWING DISPUTE ON MY FINE IS INACCURATE INFORMATION AND AS SUCH NEEDS TO BE REMOVED FROM MY FILE.

Company response to consumer: Closed with non-monetary relief