BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint is with Citibank , N.A . for not reimbursing me my credit card reward points as part of a 3rd party seller refund. 

In late XXXX ( this year ), I made a purchase - through XXXX - from a 3rd party seller that's based in XXXX. The purchase was made using my reward points from credit cards accts. ending XXXX and XXXX. To make the purchase I folded all the points into card ending XXXX - and closed XXXX. ( Kindly see below for explanation on why I folded in the points. ) The problem I'm having now with Citi : There was an issue with the product and the seller issued me a refund i/a/o {$620.00} in XX/XX/XXXX. However, when I look at what Citi put back on my points for card ending XXXX, it's only about $ XXXX. A Citi rep tells me this is because very little points were returned to the XXXX card by Citi, for the reason that the points had expired. I'm fine with cut-off dates by which a customer has to use certain points. But when a customer has made a purchase and a seller issues a refund and Citi doesn't want to honor that refund, that's now a catch-22 for a customer since refunds go back to the purchasing card. It can't be right for a seller to send Citi {$620.00} as a refund to a customer for Citi to turn around and only pass on $ XXXX to that customer. 

Why points for card XXXX and card XXXX were combined originally : My original and current card is XXXX. Citi sent me a promo in late XXXX to upgrade to their new Premier Card. When I did this with Citi, something went wrong, then I got all kinds of mixed and conflicting instructions from Citi that ultimately resulted in Citi issuing me two cards ( old and new ), which hurt credit score ( because it was supposed to be an upgrade/ replacement of the one card ). I've attached images to this complaint for your reference. XXXX The reason have images from back then is I thought I would file a complaint about the experience back then - I didn't because I just wasn't physically up to it at the time. ) Due to that frustrating experience and that I wasn't feeling well at the time to be able to stay on Citi about this, I just merged the points into XXXX and cancelled the Premier Card XXXX. The reason I'm relaying this is that, that experience made me lose confidence in when Citi tells me they'll look into something and get back to me. My credit score was hurt, my XXXX shopping ruined ; it was stressful and I was sick at the time so I just let it go. Now Citi is once again telling me they will look into this refund situation -- and I have very little faith that they'll honor my refund.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: IA
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:
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. 

I told Experian, XXXX and XXXX to reinvestigate these accounts : Account : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED

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 2021-08-10
Company: Mountain Run Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a dispute letter in XXXX of XXXX. I asked them to verify the debt that was placed on my credit report. Mountain Run Solutions then sent a fake contract. I never had an account with Mountain Run Soultions on XXXX. They sent a letter stating that they will delete the account from the credit report with a discount of {$1000.00}. I have filed a complaint, still nothing. Here it is XX/XX/XXXX, I sent another dispute letter. Mountain Run Soultions then sent another contract aside from the first contract. There are two seperate fake contracts. This company is trying to collect money that I do not owe to them. Please have this company delete this information from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted soon : XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: OH
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reached out to the U.S Department of Education requesting the balance of my loans and was told I had a state loan that was reporting defaulted to the credit bureaus also. I was told to reach out to the NYSHESC - New York State Higher Education Services Co. ( XXXX ) XXXX. I was told there was an outstanding balance of {$650.00} remaining from a XXXX loan of {$3500.00}. I spoke to a representative for Federal Student Loans on XX/XX/XXXX and on XX/XX/XXXX I spoke to XXXX, NYSHESC. According to my payments and records this loan balance is not accurate and I think the balance on this account should be reviewed, updated and brought to zero balance. I would like ; A. NYSHESC to review my record and send update to all three major credit bureaus ( XXXX, XXXX and XXXX ) B. The NYSHESC should remove the account from default status and stop reporting it as such to the credit agencies. 
C. The NYSHESC should ensure the account is accurately associated with my name and is accurately attached to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a levy on my bank account for a debt from 2013. The amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : XXXX XXXX XXXX XXXX XXXX  : RASH CURTIS & ASSOCIATION I am disputing a XXXX XXXX  charge on XX/XX/2020, for the amount of {$1900.00} ( original medical bill {$1400.00} ). 

Because of my age, my doctor pressured me to get a XXXX XXXX XXXX Insurance should have covered this 100 % but it appears it was coded incorrectly. 

" The Affordable Care Act requires recommended preventative services, such as colonoscopies, be covered at no cost to the patient. However, strict guidelines are used by insurance companies to determine whether a XXXX  is categorized as preventative or diagnostic, which can impact your potential out of pocket cost '' " XXXX XXXX  Screening : Patient is XXXX ( no present gastrointestinal  ssymptoms ), is age XXXX or older, and has no personal history of XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. A XXXX  has not been performed within the past XXXX years. This is usually a routine screening XXXX  and covered by most insurance plans. '' This was the case for me. 

This medical collection account needs to be removed from my credit reports. In addition, Rash Curtis and Assoc. also has two hard inquires on my credit report they also need to remove. 

Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: DC
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:
As of XX/XX/2023 Equifax has incorrectly dropped my Equifax FICO credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window. I had different XXXX Inquiries for Mortgage loan products on XX/XX/2023, XX/XX/2023 and XX/XX/2023. All within the 45 day allotted shopping window for mortgage products. On XX/XX/2023 Equifax deducted XXXX points for the hard inquiry on XX/XX/2023 and another XXXX points on XX/XX/2023 for the inquiry on that occurred on XX/XX/2023. 

As of XX/XX/2023 XXXX has also incorrectly dropped my XXXX  FICO Credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: CO
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:
I had a loan with Chase Auto for my XXXX XXXX XXXX in which the loan ended in XX/XX/XXXX. I made my final car payment on XX/XX/XXXX. Prior to XX/XX/XXXX I had contacted Chase Auto via phone to update them on my mailing address, as I had recently moved from XXXX XXXX XXXX. XX/XX/XXXX came and went after my last payment and I never received my car title in the mail. I left ample time for it to be sent out and arrive. In early XXXX I followed up on the phone with Chase Auto again to see if they had sent out my title, in which they said they had and they verified sending it to correct address. I have had no problems receiving mail from anyone else. The representative I had spoken to said she would send a lien release so I could get my title. It is XXXX now and I have still not gotten any title or lien release. I have also submitted a lien release request twice throughout XXXX through Chase 's website in which nothing has been mailed to me. They claim it will be sent out in 3-5 business days, but a whole month has come and gone with receiving nothing. My current license plates have already expired and I would like to go to the XXXX to register my car with the state of XXXX, but I have no way of doing so without having my proof of ownership. My car is 100 % paid off so getting me my title should not be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, Bank Of America, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
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.

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 non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NY
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:
As a consumer, I am writing to express my deep concern and frustration regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am absolutely appalled to discover that my privacy has been blatantly disregarded and my personal information has been mishandled without my consent. 
In accordance with the FCRA, I have discovered that 1. 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 
2. XXXX And XXXX - Accounts 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 
3. XXXX - Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Have all violated my rights as a consumer. This is a serious matter that should not be taken lightly. My fundamental right to privacy has been breached, and my sensitive information has been exposed without my permission. This is a clear violation of 15 U.S.C. 1681 section 602 A, which explicitly states that I have a right to privacy.

Moreover, 15 U.S.C. 1681 section 604A section 2 clearly outlines that a consumer reporting agency can not furnish accounts without the written permission of the consumer. This means that these accounts should not have been reported without my explicit consent, and the fact that they were is a clear violation of the FCRA. 
In addition, the same accounts are being reported by different companies with balances, which is another violation that is extremely damaging to say the least. 
A Companies Policies and practices DO NOT override Federal Laws. 
I urge you to take this matter seriously and take immediate action to rectify the situation. My rights as a consumer should not be disregarded, and I expect to be treated with the respect and dignity that I deserve. This violation of my rights is unacceptable, and I expect a prompt and satisfactory resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: ROBINHOOD MARKETS INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Just recently, I opened a Roth IRA Account with Robinhood Financial , LLC and, I transferred into said account an amount of {$2800.00} via ACAT from my Roth IRA Account with XXXX. Soon after said transfer, when I tried to trade at Robinhood, I did not like the Trading Platform at all. Hence, I called Robinhood numerous times to talk to someone and nobody answered the telephone and nobody returned my call. It seems impossible to be able to talk to a live person at Robinhood. Hence, I decided not to do any business with Robinhood and initiated a transfer back of my money, {$2800.00} from Robinhood Roth IRA Account to my XXXX Roth IRA Account via ACAT. Robinhood is retaliating against me for closing my account with the Company and is preventing me from effecting said transfer by placing unwarranted restrictions on my account and by subjecting me to unwarranted harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Their investigation did not fix an error on your report

Complaint:
TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 




I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation