BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a formal complaint against Robinhood Markets , Inc. for the failure of their customer service department to resolve my debit card usage issues and for freezing my checking account twice without stating the reasons why. I am on vacation in XXXX with my XXXX debit card from XX/XX/XXXX to XX/XX/2021. To my knowledge, Robinhood doesn't require a travel notice as long as the card is used in permitted countries - XXXX is permitted. I successfully completed a single in-store transaction without a problem and then I proceeded to attempt an ATM withdrawal with a Colombian bank named XXXX XXXX XXXX XXXX over two weeks ago now ). This is when Robinhood locked my account due to what they described as XXXX suspicious activity XXXX  and they then required that I upload the front and bank of my driver 's license to prove my identity - I did so via their mobile application and the desktop version. The verification of my own identity was never acknowledged by their customer service staff (  although they did unfreeze my account at this point ). Matter of fact, they then ran with a wild idea that my XXXX XXXX account had been hacked without providing any evidence - and this was/is definitely not the case. Robinhood adds insult to injury because all email correspondence involves a different agent that basically starts my case back at square one, rather than a single dedicated agent that is well informed and carries me forward. They offer no phone support and no live chat. At this point, I don't even get email correspondence anymore. They have ceased all communication with me present day. Completely enraged by their lack of customer service, I tried to withdrawal my current checking account balance of {$1900.00} USD as an ACH transfer to XXXX XXXX XXXX in preparation of account closure with XXXX. XXXX rejected my request for withdrawing my money to XXXX XXXX XXXX on XX/XX/2021 and they froze my account again. This most recent event is what motivated me to file a formal complaint with the CFPB. Robinhood is holding my funds XXXX at this point without providing any reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, a bill pay, payment was sent from our bank in the amount of {$1400.00}. As of today, the mortgage company, PennyMac, claims they have not received payment and have not located the payment. Our bank has faxed all of the information to the mortgage company to track the funds. The mortgage company claims their research department is working on the matter, but it has not been resolved. This same information for the payment was used in 2 other payment transactions successfully in XXXX and XXXX of 2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I allowed my subscription to the XXXX XXXX  to lapse. They had said they were switching to Autopay, but I never agreed to it choosing to let the subscription lapse instead. Without ever even sending me a bill, I started to get nasty telephone calls from someone who claimed to work for the XXXX demanding money. I finally blocked the number and they turned me over to A.R.M. Solutions asking for {$72.00}. I called the XXXX to contest it and they said they couldn't make it go away and suggested I pay them instead of the collection agency. I paid the amount in full on XX/XX/2018. 

Now I have received another bill from A.R.M. Solutions, for {$5.00}. No explanation of what it is for, but they sure do want my credit card number. 

I believe this is fraudulent and that they will continue to threaten me and send false bills to me if I comply. 

How do I get this to stop. My credit rating hovers around 830, so this isn't because I am a deadbeat.

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 2021-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I spoke directly to XXXX over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( SSI benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: NJ
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:
XXXX   XXXX   is pulling hard inquiries without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX. 
XXXX has been taking small amount of money out of my account for almost a year. Last 2 month it has grown to {$1000.00} over the last few times.

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 2023-07-23
Company: EQUIFAX, INC.
State: PA
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:
On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX  with a open balance of {$640.00}. XXXX starting this claim to have this account disputed and removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Harvard Collection Service claimed to be collecting for Illinois Dept of Revenue. I spoke with XXXX XXXX on XX/XX/2014. She called at all hours of the day and night. She demanded on the date I provided that if I do n't agree to a payment plan that very day they would seize my XXXX Ford f-150 truck. I had just been released from the hospital and was too weak to even hold a phone myself, so my poor wife also exhausted from all we had been through recovering from XXXX and slow progression from that state had to hold the phone to my ear. I had to deal with this persons threats! I was shaking so hard I feared I would was going to have another XXXX XXXX, I explained my health crisis but all she cared about was collecting. I lost everything and explained, all I have left is a {$650.00} credit limit credit card to buy food with. She did n't care and forced us into a payment plan. I honestly just wanted the harassment to stop! We could n't afford to lose our only reliable vehicle and feeling hand cuffed we entered an arrangement under severe duress!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a customer of Chase Bank with a personal checking account ( with debit card ) and two different credit card accounts. 

On XX/XX/XXXX I was review my account statements/details for XXXX XXXX and noticed a recurring charge in the amount of {$15.00}. The recurring charge was for XXXX and had been processed the last business day of the month since XXXXXXXX Per Chase the charge was made with the debit card ( XXXX  brand ) through a digital wallet. 4 recurring charges for a total amount {$63.00}. 

I contacted Chase to dispute the charge because I have not at any time signed up for or used the XXXX service, therefore the charge is unauthorized and fraudulent. 

I was informed by the Chase agent that the 60 day liability rule as described on my statement would limit my claim to 3 charges for a total of {$47.00}. 

There is not language to defines a XXXX debit card transaction the same as another electronic transaction. As a XXXX debit cardholder I am entitled to initiating a dispute for fraudulent charges. The language on the Chase statement does not clearly articulate that a XXXX debit card is considered an electronic payment transaction and not eligible for dispute beyond the 60 day time period. 

Here is the lingo on the statement : IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS : Call us at XXXX or write us at the address on the front of this statement ( non-personal accounts contact Customer Service ) immediately if you think your statement or receipt is incorrect or if you need more information about a transfer listed on the statement or receipt. 

For personal accounts only : We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to give us the following information : Your name and account number The dollar amount of the suspected error A description of the error or transfer you are unsure of, why you believe it is an error, or why you need more information. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days ( or 20 business days for new accounts ) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: The CMI Group, Inc.
State: NM
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:
Currently, I have a XXXX XXXX XXXX but even with a " good '' XXXX XXXX I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. XXXX is reporting a collection from Credit Management in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
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: Public record information inaccurate

Complaint:
Experian has told me my account Has been verified. Bankruptcy XXXX. I explain to them that I did a voluntary dismissal and that there is no money owed. They explain that they report as a dismissal no matter what kind. Since the dismissal have very different definitions I think it it important for the creditors to see that it was a voluntary dismissal. So if they cant show my judgment on my credit report accurate thrn that a violation of my fair credit act laws. Im am attaching court documents to prove my case. I will like to get compensation for there error in reporting. 
If the XXXX XXXX plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. 

A ) Voluntary Dismissal A debtor can file a motion to voluntarily dismiss the bankruptcy case, but the court may or may not approve the dismissal depending upon the chapter number of the bankruptcy case and the prior history of the debtor in bankruptcy. IMPORTANT NOTE : Dismissal of a bankruptcy case has serious consequences. For example, if a bankruptcy case is voluntarily dismissed, it may affect a debtor 's rights to the Automatic Stay in a future bankruptcy case. It is highly recommended to consult a bankruptcy attorney.

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 2019-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm on autopay for a closed credit card with XXXX XXXX XXXX and they reported me late 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 explanation
Consumer complaint received 2019-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm on autopay for a closed credit card with bank of america and they reported me late 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 explanation
Consumer complaint received 2021-12-16
Company: RentDebt Automated Collections, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm Filling this complaint because I sent Rent Debt Collections a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if Rent debt collections fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: LEXISNEXIS
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020-Discovered I was paying a surcharge on my policy because I was deemed at fault based only on the cost of damages after my low deduction that I paid more for. XXXX told me to call LEXISNEXIS after I got the accident report from the police department and pulled my drivers record. 1st call XX/XX/20 went through the automated phone menu-suppose to receive something 5 to 7 days later. Nothing. Asked XXXX for the report # thinking it would help and made 2nd call XX/XX/20 and again got nothing. There is no option to talk to anyone and are given 2 websites so fast I had to call several times to get it. Again nothing. Called XXXX  yesterday and they just told me that they can change my policy if I can just get them to change their report. 3rd call today. I have basically had to pay for all damages in raised rates for something I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: National Collection Systems, Inc.
State: AZ
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 have reached out to XXXX multiple times as well as the company I extended credit " XXXX XXXX  XXXX XXXX I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Company XXXX  is in violation This Credit bureaus stated my account was properly investigated but how is it that possible if the open date is inaccurate, the date last is inaccurate and the reported is no accurate. This is ground for removal they Als violated my rights under 15 USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 Section 604 A section 2 It also state a consumer reporting agency can not furnish. A account without my written instructions

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURINSH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AN PURPOSE.

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 2020-08-19
Company: EQUIFAX, 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. ARKANSAS XXXX XXXX {$1100.00} XXXX OF AR XXXX {$4000.00}

Company response to consumer: Closed with explanation