BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX XXXX : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 explanation
Consumer complaint received 2021-06-04
Company: ROBINHOOD MARKETS INC.
State: CA
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 not used my Robinhood investing account in a while. I open it up today, XX/XX/XXXX, to see that they have somehow given me a negative investing balance. There is no statement of the charge or explanation of where it came from, just says I owe them XXXX cents. I tried to close my account, but they will not let me unless I resolve the balance ( see attached screenshot ). 

This balance is fraudulent and I have no responsibility to pay it. Robinhood refuses to close the account unless I do. 

I suspect Robinhood is doing this on purpose so that they can keep accounts open. There has never been any fees and I did not agree to any, furthermore there are no fees or transactions listed in my statements, they literally just made up that I owe them XXXX cents. See the attached screenshot of my investing balance. I do not own any stocks, yet it is reporting a XXXX cent loss. How many others have they scammed this way by taking money off the top without anyone knowing?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was advised on XX/XX/XXXX that an Escrow Mortgagor Disimbursent had been processed on XX/XX/XXXX by PHH Mortgage Company owned by Ocwen Financial due to receipt of proof of homeowner 's insurance from me. I was told it had been mailed using first class postage by the USPS and  would take 7-10 days, this isn't true. I also have requested to cancel the Escrow Account and was told that the company would have to send me a De-Escrow Account form to complete and return as soon as received. This was also requested on XX/XX/XXXX. I am extremely disappointed with this mortgage company for failing to provide any assistance to my requests. My homeowners insurance information was submitted to them from my homeowners insurance company on XX/XX/XXXX showing that the coverage was effective XX/XX/XXXX through XX/XX/XXXX. I also provided them with proof of coverage valid for the same dates. 

Based on the company 's practices I will have to continue to pay an additional {$110.00} monthly until they provide me with their so called De-Escrow Account form. I found your website on the internet and am seeking assistance from you with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX company does not offer auto pay / auto debit to be able to ensure your account is paid on time. They did offer the ability to schedule up to 3 future payments. I set up scheduled payments for three months at a time because it is the only way I can ensure that it is paid ontime and not have to go online each month to make a payment ( very very inconvenient ). I had schedule payments through XXXX of 2020, but received calls from this company today stating that I was late. I went online to check my account and there are no scheduled payments pending. I was charged a late fee. I made my past due payment which they convienently combined with my XX/XX/XXXX payment. I was forced to pay XXXX and XXXX together. I then tried to schedule payments for the next 3 months and the ability is now gone. I called the company to try and find out what happened. They told me that they do not offer the ability to schedule payments any longer. I asked what happened to the payments that I had scheduled through XX/XX/2020 and she did not have an answer. I feel like this company is setting consumers up for failure in order to take advantage of our current nations crisis. I am one of the people who would like to make sure that my account is paid on time and they offer a very slim window to do that. I believe they are praying on consumers to be able to have them default on payments to increase their APR 's and charge them late fees to make more money. I have many credit cards for both personal and business along with other store cards and ALL of them offer auto pay. XXXX XXXX is the ONLY card that does not offer auto pay or scheduled payments. Why would a company take away payment options and only provide you with the bare minimum options during a Pandemic?  My guess to charge late fees and boost APR 's to take advantage of people to make more money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: CA
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:
This XXXX XXXX account is reporting incorrectly. I have disputed several times, always comes back as updated. 

Date of last payment states XX/XX/XXXX as {$0.00}. 
It also states as XX/XX/XXXX {$100.00} paid on time. ( which I have a bank statement confirming ) On XX/XX/XXXX, I also made an on time payment of {$73.00}, which I also have a bank statement to confirm. 

Not sure how this keeps coming back to me as updated and verified when I have proof of payments made on this account. 

I will be enclosing a copy of the credit report supplied by Equifax on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and saw an account from DNF Associates for XXXX XXXX. Theres no debt reported. Never received any notice of a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: AR
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 itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from 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 2021-02-11
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 received a copy of my credit Report After Reviewing it I found that there is an Inaccurate Account that i Did not Authorize. This Account is Fraud and i want this fraud Account Removed from my Credit Thank you

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 2023-03-08
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: Personal information incorrect

Complaint:
According to 15 USC everything on my consumer report has to be 100 % accurate. Having incorrect information can hurt my chances for upcoming approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Personal information incorrect

Complaint:
I contacted Experian to have my social security number fixed since they have a wrong social security number on file under my name. I was told to send a copy of my social security card, a photo ID and proof of address through their online system or by mail. I tried submitting them online and everytime it had a new requirements I must meet ( pdf or jpeg, black and white only, certain size file ) once I completed all the requirements I still got an error message but without any description this time. I tried again a few weeks later thinking something was wrong with the system but I had the same result. 

I sent the documents my mail at the end of XX/XX/2019 with tracking and got confirmation that they were delivered to their PO box in Texas a week later. 
I have called twice since and both times, I was told to wait another week. I called again today and my call was dropped multiple times. I have waited on hold for a total of 6 hours and still do not have a solution. This is ruining my life, I have not been able to start building my credit because it is always been denied, i was turned down for an auto loan because of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Navient Solutions, LLC.
State: FL
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:
On XX/XX/XXXX I processed a payment for {$1400.00} to finish paying off my student loans. Then I checked because money had not come out on the XXXX. The payment did not reflect in their system so. I scheduled it again. Then both amounts came out the next day. I spoke to them on XX/XX/XXXX and was told it would be processed in 3-5 business days but that never happened. I called on XX/XX/XXXX and spoke to XXXX ( no id given ) and then her supervisor XXXX ( ID  XXXX ). XXXX  first told me it would be in my account today but that seemed odd so I asked for a supervisor and XXXX informed me that the refund was never processed at all- directly opposed to what I was told on XX/XX/XXXX and by XXXX on the same day. XXXX would not give me XXXXXXXX XXXX id number for my records. I gave XXXX my account and routing number for a second time ( first time was on XX/XX/XXXX. I was told it cold take 7-14 business days. I then was processed to another, allegedly higher up supervisor. I was told all staff are " offshore '' and can not expedite the reimbursement of my refund for the money that was not scheduled in their system to be taken in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm not sure why i keep getting the same parrot information from the XXXX, EQUIFAX, AND XXXX  that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX  revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX at XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX  accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2020-11-13
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Experian Information Solutions 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:
Someone stole my purse along with my ID and Social and opened the following accounts and inquiries in my name : DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$4600.00} DEPT OF ED/XXXX  # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High balance of {$3000.00} XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< XXXX XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$3500.00} Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-03-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax continues to report I am Deceased, after receiving correct information from XXXX  XXXX XXXX. 
I have 2 recent disputes with Equifax. 
When Equifax completes the disputes and indicate COMPLETED. Equifax continues to show I am Deceased. 
XXXX  XXXX XXXX sent Equifax a letter of Correction on XX/XX/2021. 
I am unable to get a home mortgage because my Credit Score is not available from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a CD in the amount of {$6200.00} that matured on XX/XX/2007. My family misplaced the paperwork and recently found it again. It did not roll over as anticipated. HSBC says that they sent it to New York State 's unclaimed funds, but our searches on the unclaimed funds database do not show it there. 

I would like to claim these funds and have HSBC identify their location. 

Thank you.

Company response to consumer: Closed with explanation