BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX XXXX account with the firm robinhood and XXXX XXXX  is the partner bank that issues my debit card and my account has a XXXX XXXX  routing number so Im assuming thats who has my money as well ok so on XX/XX/XXXX i deposited {$35000.00} into this account and from the moment they received my money they have denied me access to my funds in any way possible my debit card never worked I couldnt transfer it back out to any of my other accounts or pay bills with my account and routing number or send out checks none of the features they advertised I contacted the company numerous times they have no live help so I can only email and wait for their reply which they would sometimes ignore me for weeks at a time during this nightmare they would ask me documents which I provided numbers of times to numerous support agents and their upload portal as well and they would ignore me again then write back in a week asking for the same documents then finally yesterday I was told they would be deactivating my account and discontinuing their relationship with me great best news in a while only when I asked about getting my money back I was met with a very vague you will not be able to withdraw any funds reply I asked again surely they can not keep my money from me but thats exactly what theyre doing is that keeping my money from me this entire time and now nobody will answer me as to how and when I get my money back from robinhood or XXXX XXXX  nobody its a joke this is almost {$35000.00} were talking about here and its really killing me not having any access to my funds for this long and I dont know what to do please help me all I want is my money back and to be done with this nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I FILED A COMPLAINT WITH CFPB NUMBER XXXX REGARDING WELLS FARGO BANK, WE HAD BEEN COMMUNICATION OVER THE PAST YEAR REGARDING AN INSURANCE CLAIM REIMBURSEMENT. ON XX/XX/2018 I  COMMUNICATED WITH XXXX XXXX, XXXX XXXX ON A RECORDED LINE THE ABOVE NAMED REPRESENTATIVE OF WELL FARGO DID EXPRESS TO ME THAT HE COULD NOT UNDERSTAND WHY XXXX XXXX OF WELLS FARGO ALSO WOULD INDICATE THAT I WAS NOT A " PERSON OF SUCESSION '' WHEN IT WAS RIGHT THERE IN THE FILE ( THIS IS AVAILABLE SHOULD YOU DESIRE THIS RECORDED CONVERSATION ). ABOUT AN HOUR OR SO LATER I RECIEVED A SECURED EMAIL FROM XXXX XXXX ADVISING ME THAT I WAS NO LONGER " A PERSON IN SUCESSION '' AND THEY COULD NO LONGER DISCUSS ANY MATTERS WITH ME UNDER THE FAIR DEBT AFTER 3 CALLS TO MR. XXXX AND NUMERIOUS E MAILS REQUESTING A FOLLOW UP OR HIS SUPERVISORS NAME NO COMMUNICATION HAS BEEN RECIEVED. YOU ALSO CLOSED THE ABOUT CITED CASE XXXX AS THEY INDICATED THAT I WAS NO LONGER A PERSON OF SUCESSION. HOW AFTER OVER A YEAR PLUS OF INTERACTION WITH ME HAVING ME ENDORSE CHECKS FOR THE ESTATE, ENDORSE CHECKS FOR THE CONTRACTOR AND ENTER INTO CONTRACTS WITH THE CONTRACTOR, ALL SUMMITED WITH XXXX SHOULD YOU NEED TO REFERENCE ANY OF THIS MATERIAL. 
WE WOULD LIKE THE {$5700.00} RELEASED TO THE CONTRACTOR OR A CONTINUED DISCUSSION ON WHAT WELLS FARGO WOULD REQUIRE TO RELEASE SUCH FUNDS. LOOKING FORWARD TO YOUR RESPONSE.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the persistent presence of fraudulent account on my credit report, specifically with your bureau. It has come to my notice that, despite successfully disputing and having these accounts removed from my credit reports with other bureaus, the same fraudulent entries continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.

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 2021-07-20
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest credit system is trying to collect a debt, i requested the validity of the alleged debt, they havent responded to date. They are harassing me by calling me 3 times a days using different numbers. I am requesting the validation of this debt and cease and desist. I will be sueing Southwest if they dont leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX  {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6500.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00} ;

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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 XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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 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 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I noticed in XXXX that a lot of inquiries popped up on my credit files out of nowhere on my Transunion report. I called them they told me that they are taking them down and I should see it off of the report and that they apologized for any inconveniences that it caused. To this day all XXXX inquires are STILL sitting there and I have called profusely to get them removed a lot of them have hung the phone up in my face and was very rude to me. I NEVER got a 5 day notice about any thing that was going. I informed them of that and they still did nothing about it ( FCRA Violation ) I spoke with Anye, XXXX, and XXXX today and XXXX and XXXX hung up me after stating that their supervisor told them that its nothing that they can do about the inquiries. I asked them so are you going to sit on a recorded line and openly admit that you and Transunion are operation this issue in FCRA code violation? They said that 's their job!! ARE YOU KIDDING ME? These are people life 's that are being effected here, not some random stray dogs off the street. Theses XXXX inquiries need to be off immediately. I am also contacting the XXXX XXXX XXXX about 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 2023-06-17
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: 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. 


XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX : # 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 has all 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : State of Michigan I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$3700.00} ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-12-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I needed roadside automotive assistance. The company that was dispatched to assist me, " XXXX, '' informed me that I needed a new car battery, which they provided at a charge of {$220.00}, which I placed on my Citibank Mastercard. XXXX  verbally promised that documentation ( proof-of-purchase and warranty ) would follow. These were never received despite two voice messages left with XXXX in XXXX, as well as text messages left with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Meanwhile, I began to have problems with the new battery, and being unable to reach XXXX, I called the battery manufacturer, who informed me that, based on the serial number provided, the battery was likely not new but rather a " salvage, '' taken from a junked  car and cleaned up to look new.. 

XXXX has no physical presence ( no store, no office ) so I can not return the battery to request a refund and, as noted above, they have not responded to my texts or voice messages. 

I therefore contacted Citibank Mastercard on XX/XX/XXXX to request to dispute the charge. I spoke first with a representative, " XXXX, '' and then with a supervisor, " XXXX. '' Both refused to accept my dispute on the grounds that I still have the battery; according to them, I would have to return the battery in order to dispute the charge. I pointed out that XXXX has no physical location and has not responded to my texts or voice messages and asked how, in the circumstances, I could possibly return the battery. They had no answer, but told me that this was " Mastercard rules ; '' when I asked what more I could do, or they could do for me, XXXX replied " nothing. ''

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 2022-12-01
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: Was not notified of investigation status or results

Complaint:
I have been trying to get these errors off my report but unfortunately, this company is not so responded so this time I guess need to ask assistance from consumer protection bureaus like CFPB and Atty General.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX/XXXX/16 I check my score and transunion was there then on XXXX/XXXX/16 it was removed saying I do n't have a score that 's incorrect please fix and update that issue as soon as possible thank you that an error on transunion

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 2023-01-25
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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/1969 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Seidberg Law Offices, P.C.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was originally settled with the original creditor in 2009. Seidberg law office tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX XXXX XXXX XXXX XXXX placed a stay of garnishment on the judgement after I filed a motion and Seidberg representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently viewed my credit report and noticed a collection account, from a company that I am not familiar with, NCB MANAGEMENT.. I tried to contact the original creditor,XXXX XXXX XXXX but to no avail. 
Not only do I not know of the original creditor, but I also received no formal communication, in regards to the debt, right to dispute the debt, or to rights to request the validation of the debt. It only appeared on my credit report. 
As I have a fraud alert on my credit report, I was not made aware by the bureaus of any inquiries made or new accounts added to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I sent a copy of a letter submit XXXX to transunion that state that transunion must delete the account submitted to them back on 2011 for the amount of XXXX .and transunion refused to deleted that account from my credit report while XXXX did. Transunion have the copy of the letter .i call them to know why they said that have to investigate it. Reason why I am filling to complaint again transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation