BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: Arete Financial Group
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Arete Financial Freedom ( Debt Pay Gateway ) had agreed to pay our credit card debt and take out a monthly payment plan to pay our creditors back. All was good until the debt had all been paid back and the company keeps taking money out of our account. We have fully paid Arete back ALL the money for our debt and a settlement was made on all our accounts and paid FULLY on XX/XX/XXXX. 

We have made a lot of phone calls to the company, there is never an answer and we have left a message every time we have called. NO ONE calls us back. I have even sent an email message through their online portal requesting the money back, again, no answer. 

Money was taken out after final payment again on : XX/XX/XXXX for {$670.00} ( monthly payment they owed us back for over payment ) XX/XX/XXXX for {$25000.00} ( which was to pay the debt-amount above should not have been taken and they agreed to give it back to us ) XX/XX/XXXX for {$670.00} - monthly payment that should NOT have been taken out because debt had been fully settled and paid. 

I have documents showing on their online portal that our account holds a positive balance of {$1200.00}, which is the amount they OWE us. It looks as though their is an FTC Restraining Order on the Company as of XX/XX/XXXX. PLEASE help us get our money back!

Company response to consumer: Untimely response
Consumer complaint received 2021-10-29
Company: ROBINHOOD MARKETS INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I tried to log into my Robinhood investment account to trade {$100000.00}. of XXXX stock and buy XXXX stock. my account was frozen by Robinhood until I uploaded a picture of me and my official ID. This is a new requirement which Robinhood gave no advanced notice of the change. They have not replied to my latest attempts at rectifying this issue. ( Robinhood Case ID : XXXX ). My funds are in limbo and I have no recourse other than submit more private information to Robinhood which was not needed to open the account, transfer money into it and initiate the initial trades.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the status and terms of XXXX student loans I used to have. The first is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$6400.00}. The second is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$7300.00}. I have no loan with either XXXX or XXXX with a balance at this time. All are closed with a {$0.00} balance. 

Both of these accounts are actually paid-in-full, closed, with {$0.00} balances. I have attached the letters that I received from both XXXX and XXXX. However, Experian continues to report them incorrectly with incorrect status and terms. The creditor states that they have updated Experian 's records, yet this does not occur. I try to dispute them with Experian, but Experian states that I have used my " maximum number of views '' and therefore I can not view the report that I must initiate a dispute off. Of course, I can if I pay Experian, I am sure to be allowed to view a credit report so I might fix their error. I would like these accounts updated to reflect the actual account terms and status or removed from my credit report altogether. These credit reporting companies really restrict an individual 's access in order that they can not easily or quickly correct an error on their credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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:
Disputes not corrected! Insight - XXXX  cards, etc.As example from current report- '' This item was updated from our processing of your dispute in XX/XX/2020. '' Disputes filed over a week ago unresolved and posted incorrect. Score actually went down. Posting incorrect balances!!!!!

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 2017-05-22
Company: Innovis
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On   XXXX   XXXX   , 2017, I w as referred to  XXXX   XXXX  company in  XXXX , Ca.   XXXX   XXXX   to get a pre-approval for a prospective property in   XXXX  County . Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on   XXXX   XXXX   , 2017,   instead. I emailed and faxed most of all documents to   XXXX   XXXX   in return email from   XXXX   XXXX   she asked if she could forward my bank 's statements to my realtor. With that email, I called   XXXX   XXXX  , I do not wish to move forward, something was not right.  Realtor  only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer af ter 36 hours  request to me, does not have a business to have personal financial sensitive information. After a phone conversation with  XXXX   XXXX , my husband and I decided not to move forward with loan and property. I advised  XXXX  Not to run my credit check, but she said she did anyway. On  XXXX   XXXX ,  2017, I le arned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis (  XXXX    XXXX  company  used  )  about the inquiry. The respond from the agency stating that  XXXX   XXXX  indicated that  XX/XX/17     XXXX    XXXX   we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department  XXXX   XXXX  I spoke with the loa n officer for  your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with   XXXX   XXXX   from   XXXX   , 2017, and I e xchanged a handful of emails on     XX/XX/XXXX    , no authorization have been mention of running credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I noticed there was a loan on my credit report that I did not apply for. I found out a relative had cashed a unsolicited check that came in the mail from Regional Finance Company. I contacted the branch to find out how much the loan was for, when was it opened and how, when I never applied, signed, etc. They told me the problem was with the bank who cashed the check. I have no idea who that bank would be, since it wasn't my bank. After hanging up with the branch of Regional Finance to reach out to the supervisor, I get an alert that they ran a hard inquiry on my credit. I was not calling them for anything to do with my credit, as I was calling to inquire only on a loan that was already in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my checking account last week on XXXX XXXX XXXX, without letting me know. I immediately went down the XXXX XXXX, WA branch and asked to speak with the manager to get my funds released as I couldn't buy food, gas, or any basic essentials to live. The manager told me that they couldn't give me my money due to their policy. I asked him how I was supposed to eat, and he said he didn't know but they cut the checks early an I would get my money in 2-3 days. Well, it's XXXX  XX/XX/XXXX an I haven't gotten anything because when I called XXXX A again, the lady on the phone said I would receive it at the end of XXXX when the account was closed. 

This is XXXX. How can you take money from them over reasons I'm not aware of?? I want my money TODAY! 

Bank of America should be ashamed of themselves, especially because people are already struggling with 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 2021-11-02
Company: PMGI, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry was not authorized. Please remove this and any others that are outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2020 - Called by phone and talked to XXXX. I said I have a divorce decree and court order for the division of assets. How can I get 50 % of the assets? Can I just send the divorce decree? How can I process this and get the money? She said, you will need to send the divorce decree to XXXX. So, I sent a digital copy of the divorce orders to the email she specified. And, I mentioned the account details and that the divorce orders were a default judgment and that we have not been able to contact him. And, on the same day, I received email confirmation of receipt of the email. On the same day, I also emailed the same email address asking to freeze the account to stop the withdrawal of money from the account. 

XX/XX/2020 - Asked for updates on the same. 

XX/XX/2020 - Again I sent email explaining the same situation from XX/XX/2020. I received email confirmation of the receipt of email. 

XX/XX/2020 - They said they are unable to process the request and that the account holder must make the request himself. They said I could take legal action against him even though this was a default judgment already. 

XX/XX/2020 - I sent a physical copy of the judgment to the Nebraska Penfed  address by USPS 2 day express mail. 

XX/XX/2020 - They said a member service representative must speak with you regarding the account. So, I called them and they said they will send a document by email with instructions for withdrawal. They told me that I need to fill the form from the email and send it back. So, I printed it out and then I was stuck because they sent me a form which was unclear and from my interpretation required his signature. 

XX/XX/2020 - I called Penfed and they said the account holder must sign the form and that I will not be able to sign the form. I told her that it was a default judgment. She restated that only he could sign and that I needed to get legal advice. 

XX/XX/2020 - I talked to Penfed  again and explained the same situation and they repeated the same advice and did not help me. 

So, Penfed has not acted on the court judgment orders as they were stated in the legal document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 2. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. Unverified Inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2017-02-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed chapter XXXX bankruptcy in XXXX. Experian Credit Bureau is allowing XXXX XXXX and XXXX XXXX XXXX to report fraudulent information towards my credit report. The XXXX XXXX account number XXXX reported a failure to pay in XXXX. XXXX XXXX was included in the bankruptcy. Payments were made to them starting XX/XX/XXXX and the account was paid off XX/XX/XXXX. First, how can I have failed to pay in XXXX, when the account was paid in full with interest in XXXX? Second, it 's my understanding that when accounts are in chapter XXXX bankruptcy, there will be no negative marks against them. In addition, I have XXXX accounts with XXXX XXXX XXXX that were XXXX also included in the chapter XXXX bankruptcy which was filed in XXXX. But, in XXXX, both accounts have a failed to pay mark against them. This failed to pay mark was done after I filed the bankruptcy. Of all the accounts I included in the bankruptcy, only XXXX XXXX and XXXX XXXX still exist of my credit report. Why is this? The bankruptcy is public record and had Experian verified this fraudulent information, I would not be going thru this. When my Experian credit report is pulled, it states that I have serious delinquency and time since delinquency is too recent. I have several accounts opened and closed right now, where in over about 18 months, I have not missed or been late on any payments. These negative marks have caused me to be denied credit and I 've been charged outrageous interest rates. In addition, there is an account with XXXX XXXX XXXX XXXX my credit report. This is not my account. Again, had Experian verified the information they receive, this account would not be on 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 2015-11-02
Company: Northstar Location Services, LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loans with XXXX XXXX went into default. Now Northstar Location Services took over payment. I set up {$250.00} a month. My husband and I just got a joint bank account a few months ago and now someone got into our account and retrieved our account numbers. As a precaution, they closed that account out and gave us a new account. I went to lunch and got back and had a missed call & voicemail on my cell phone, work phone, and they had called a department that takes incoming calls from our loan officers about our mortgage loans. So I had a co-worker messaging me about it. I called the lady back, her name is XXXX XXXX XXXX, and told her I have told her more than once not to call my work phone. She said it was system generated and she had no control over it. I told her I never even gave them the place where I worked, let alone, my work phone number. I also told her we can not get those type of calls here, that my workplace does not allow it. Once again, she told me that she would remove it. I do not believe her when she tells me this as she had said it before. She said well the only time we call you at work is when there are non sufficient funds. I told her that I have always gotten back within the day if there are any issues and I do not care what the issue with my account is and calling my cell phone and leaving a voicemail was enough.

Company response to consumer: Closed
Consumer complaint received 2017-12-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX put a collection on my credit. I sent a request to them asking to verify the account. This has been going on for four months. I have sent several requests. They never sent anything yet they continue to put this on my credit. XXXX XXXX is not licensed or bonded to collect in my state. They are in violation of the Texas Finance Code Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
They are also in violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation