BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Robinhood has embezzled my money for over a week now and I did not authorize my funds be held or restricted by Robinhood. My funds must be returned to my original funding source. 

Robinhood must reverse my deposit back to the funding bank account. This practice is illegal I do not want Robinhood 's services at this point and their company is now unauthorized to hold my deposited funds as no services where provided me. I will be making a law suit and placing reports with the OCC, SEC and XXXX. 

Furthermore Robinhood sent me an email today stating my instant deposits are now unrestricted however upon me attempting to instant deposit my funds back into my bank account Robinhood canceled this transaction, contradicting their own email which they sent me ; my instant deposit is currently still restricted : see the attached screenshots of the email communications between Robinhood and I, which confirms Robinhood 's negligence in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: LA
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:
So I sent a letter XX/XX/2022 here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a right to Privacy. Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. These are clear violations of my my Federally protected consumer rights.

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 2023-02-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXX XXXX # of account XXXX date opened XX/XX/XXXX 15 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency may make any report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.

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 2023-03-24
Company: ADP Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good afternoon, I have a collection with XXXX XXXX XXXX of amount : {$92000.00} There is a settlement for the amount of {$23000.00} for the next 4 months with our first payment on XX/XX/23. 

I spoke and emailed our account agent XXXX XXXX and explain to him that we are having financial difficulties and if we came make another arrangement that can fit our financial situation as this is our first arrangement plan and he simply didn't want to hear it and just said no and he will escalate to suing us, i ask to speak to a manager. I also spoke to a XXXX XXXX XXXX it was the same situation to the point of both of them yelling at me, not hearing my situation. Like I mention, I know we owe this debt we want to start paying it, but we are having a hardship to where is preventing to keep this settlement going. If you can please speak to them on my behalf to rearrange this settlement. I will be wiring the amount of {$23000.00} on XX/XX/23 because I don't want any legal issues as they kept threating me with. I just want to rearrange the payments that fits with my company. 

Thank you! 
XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2023-04-07
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-16
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have sent my employer certification numerous times, Ive also asked Mohela if they received it, and keep getting the canned message that does not even remotely answer the question. 

I want to know if they successfully received my employment verification and would like to know when will it be processed. 

Also I want to know if they have processed any waivers for my account. 
Mohela is hands-down one of the worst companies, as far as customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED XXXX , USDOEXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 started my dispute process with this company in XX/XX/2022. Their investigation was a generic response ( please see attachments ). 

There are numerous inaccuracies reporting on my credit report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation.

All copies off my dispute has been sent certified mail return to sender, and I will be attaching copies of this as well.

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 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consumer XXXX XXXX is not obligated to pay any debt under the provisions of XXXX XXXX XXXX  ( 3 ). CAPITAL ONE has violated my federally protected consumer rights. CAPITAL ONE has reported my personal non public information to the consumer reporting agencies of debt that I don't owe. This is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The consumer must have an option to OPT out of credit reporting before such information is reported, CAPITAL ONE did not give disclosure of documents to opt out of reporting. According to the CFPB 's handbook XXXX XXXX Incentives and Disincentives. Reporting to credit bureaus and other consumer reporting agencies by CAPITAL ONE  is voluntary and CAPITAL ONE has taken advantage of my federally protected consumer rights. I've sent a Cease and Desist several times and CAPITAL ONE believes the only form of communication is by telephone. CAPITAL ONE admits to follow the cease and desist but refuses to follow federal law of XXXX XXXX XXXX ( c ) - cease all communications except to inform the consumer that they will cease collection activities. Pursuant to XXXX XXXX XXXX  ( 2 ) the term " communication '' means the conveying of information regarding a debt directly and indirectly to any person through any medium. This means that CAPITAL ONE can not send ANY communication regarding debt in any way in which makes CAPITAL ONE in direct violation of a cease and desist in place that was sent and received. It was demanded of CAPITAL ONE to validate alleged debt under the provisions of XXXX XXXX  1692g and CAPITAL ONE has failed to due so or respond to several Affidavits of Truth line by line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I been with this company since I was XXXX XXXX XXXXthis have been the second time I went to the bank customer service had ask me am I sure I have any account with them.this is why I close my saving and only have a checking with this bank.today I went to the bank I did not even get to deposit the money into my account.doing my closing for my XXXX house on Monday as soon as I am done I will be closing this account.some of the people that is working at some of the bank make a lot of people to close their account.that explain why my parents close their 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-11-22
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report and needs to investigate in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX XXXX  card and I have never missed a payment I have filed a dispute with experian, XXXX  and XXXX  about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.

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 2021-03-19
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: Account status incorrect

Complaint:
it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX credit card and I have never missed a payment I have filed a dispute with XXXX, XXXX and equifax about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
This has been on going on several month. 

i am NOT able to obtain Credit Report from Transunion i called them several times to correct the issue but i just get run around and nothing gets resolved. 

this is very frustrating and affecting my personal life. 

please help!

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