BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: ROBINHOOD MARKETS INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a letter indicating I had opened an account with Robinhood. I had not opened an account with the company, and since they require XXXX to verify, it was clear that someone got my identity information and opened a fraudulent account with the company. Robinhood is the subject of this complaint. I began notifying Robinhood immediately on XX/XX/2023 that someone had opened an account in my name. I received no response to that email for several days, and the responses were not substantive. Following their requests, I filed an identity theft report with the FTC and I filed a local police report. I sent both documents to them immediately after filing. They appear to have done nothing with this information after requesting it, as I got no substantive response to this information. Getting more concerned, I tried to find a way to talk to someone on the phone. However, in order to talk to someone on the phone, you have to have an account with Robinhood. So I downloaded the app so I could speak to someone over the phone. But after multiple repeated email and phone contacts, including several times verifying my identity with all requested forms of doing so, I have been unable to get Robinhood to understand that whoeever is using my identity is doing so with criminal intent, and close down the fraudulent account. I have not been able to get substantive responses over email despite repeated attempts. Over the phone representatives have consistently directed me to take the call offline to resolve it over email, but then do not respond to my emails. Since they are not responding to my emails, and seem to be unwilling to discuss the matter with me over the phone, I appear to be stuck.

Meanwhile, more than a week later, I am still waiting for a resolution to this, while someone who has stolen my identity is using my information to run an account in my identity on the Robinhood app. Robinhood has all the necessary information to confirm that this is indeed criminal activity on their app and I have repeatedly told them this. Nonetheless, Robinhood has refused to hear me out or help me close down this account even though I have complied with all the various requests that they have made about filing reports and verifying my identity. I would like the company to assist a law-abiding person in protecting their identity from criminal misuse, close down the fraudulent account, and provide confirmation that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-04
Company: Experian Information Solutions Inc.
State: WA
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:
Although provided with SOURCE DOCUMENTATION they did not verify public listing, erroneous bankruptcy information remains.

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 2023-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Equifax Re : Dispute of Inaccurate Late Payment Entry - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report, which I believe is inaccurate and should be removed and updated to paid as agreed, never late in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. This late payment entry is adversely affecting my credit profile, and I am seeking its correction as mandated by federal law. Below are the details of the disputed late payment : Creditor Name : XXXX XXXX Date of Late Payment : XX/XX/XXXXXXXX  Amount of Late Payment : XXXX I contend that this late payment entry is erroneous for the following reasons : Incorrect Reporting : The late payment reported on XX/XX/XXXX for with [ XXXX XXXX XXXX ] is factually incorrect. According to my records, I made a timely payment for this account, and there should not be any late payment recorded. This discrepancy goes against the FCRA, which obligates credit reporting agencies to ensure the accuracy of information. Supporting Documentation : To substantiate my dispute, I have enclosed copies of relevant documentation, including bank statements and payment receipts, which clearly demonstrate that I made the payment on time. These documents should serve as compelling evidence that the reported late payment is inaccurate. I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Please correct any inaccuracies found during your investigation and provide me with a revised copy of my credit report once these corrections have been made. I emphasize the importance of a swift resolution, given the potential adverse impact on my creditworthiness. Enclosed Copies of payment receipts for with [ XXXX XXXX ] I anticipate your prompt attention to this matter and adherence to the federal laws governing credit reporting. Thank you for your assistance in resolving this dispute promptly and accurately. Sincerely, XXXX XXXX Please ensure you enclose the necessary documents and modify the letter to include any specific details relevant to your situation before sending it to the credit bureau.

Company response to consumer: In progress
Consumer complaint received 2023-09-29
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, my retirement check was auto deposited into my checking account and I transferred ( ACH ) money into my savings account from another bank I have. 

On XX/XX/2023, without reason, without notice, my account was restricted by Laurel Road, for no known reason and I've lost all access to my funds with no date given when I will have access to my account or the reason my account is restricted. 

NO COMMUNICATION and no way to access my funds or to resolve the issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A {$100.00} Amex prepaid gift card was purchased on XX/XX/2023 from XXXX. The gift card has been useless at over 10 merchants online. I called XXXX customer service and they only offered a phone number for Amex gift cards. I called the number multiple times but no live person is available, only an automated set of options to select. None of which lead to an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
I ask why my loan is still being reported as in default this is a third party what is long the company is XXXX XXXX XXXX and this is part of a plan for me to be forgiven for my loan and Im trying to find out why is none of this being reported to the XXXXXXXX XXXX XXXX XXXX did one who told me to get in touch with you all I did get in touch with a XXXX XXXX what is company the number is area code XXXX Ive been in touch with him to send me information for the money I have been sending to them which goes out at the end of the month of {$19.00} which is supposed to be going towards my student loan for forgiveness program but nothing is showing up I was hoping you all can help me get some type of information on this

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE ACCT 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to XXXX XXXX XXXX, in which they have not responded to. The law states that the company has 21 days to respond and they have not, 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 explanation
Consumer complaint received 2023-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello! 

I've been in contact with Bank of America XXXX XXXX XXXX, but they refuse to close my account. 

I received a secure message from them that states : " Please note that we received your request to close your account ending in XXXX '' That message also included what other details they need to close the account : * my account number ( which they confirmed they have ) * my address ( which they confirmed they have ) * confirmation from me that I do want to close the account ( which they received, via secure message ) They HAVE received this information from me, yet they refuse to proceed with closing the account. 

Please help me close this account. 


Thank you, 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 monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Someone used my information for these account I didn't authorize no one to use my information, these is consider fraud. At the time I was diagnosed with XXXX so I wasn't able to open these account. I was in the XXXXXXXX XXXX XXXX XXXX XXXX, I couldn't XXXX XXXX XXXX XXXX and I can XXXX XXXX  because XXXX XXXX XXXX XXXX. can you please act on this matter as soon as possible please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX account has been opened fraudulently and i have asked several times for this to be removed from my account and yet it remains, this is hurting my chance of getting the vechile that I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC and XXXX XXXX has habitually failed to service mortgage accounts according to Federal Regulations. Myself and my family was impacted by XXXX and as a result I requested mortgage assistance. I was offered a forbearance. 

Upon completing the forbearance period I contacted the bank to make arrangements to bring my mortgage current. Instead of putting the delinquent payments onto the end of the loan as I had been told. They doubled my payments. And stated that was the only option available. I began making the payments but then was laid off. I called an inquired about the options available and was instructed to break the repayment plan to be reviewed for other options. 
I submitted a complete application and called to verify if anything was needed. I was told to allow my XXXX five days to review and respond. I never got a response from XXXX my point of contact she closed the application stating the documents were not received. I recent the documents as instructed by a PNC representative. When I check back over two weeks later I was told the documents were never uploaded to reopen my account. In the meanwhile I applied for State assistance. And was informed by the program that PNC has not responded to their request for over a month. 
Each time I call, I was told that someone will call me back. No one calls back. Neither supervisors or representatives. Ti date I still dont know the status of my TXHAF program or my Mortgage assistance application. PNC is the loan servicer and they have informed me previously that theyre servicing according to the investor XXXX XXXX guidelines. XXXX XXXX has a public reputation of disenfranchising minorities. 
During this period I have been ill and hospitalized and the stress is impeding my recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: IN
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, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MD
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 have sent experian letters 45 day apart asking them to delete the wrong listed addresses and wrong names from my credit report. I included the letter a copy of my ID, social security card, and 3 proofs of addresses each time. I recieved a letter stating they did not remove the addresses after the 1st letter but did not recoeve any notification after the 2nd or 3rd letter. All names and addresses I ask to be removed still remain on my credit report. That are not my correct names nor my correct addresses, I own several properties at which I do not reside at and can not or have access to the mail going there. These addresses and wrong names need to be removed from my credit report immediately. XXXX and XXXX removed them on the 1st letter I sent.

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