BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
These credit reporting agencies are using these excuses to stall deleting the erroneous information on my accounts. 

On XX/XX/XXXX of this year, I mailed letters showing the erroneous reports. 
On XX/XX/XXXX, I sent information to CFPB to show that all XXXX cra 's had taken XXXX months and still not responded. 
On XX/XX/XXXX they have yet to delete these erroneous items on my report. THIS IS RIDICULOUS. Below is their latest stalling tactic. 

This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 CFPB XXXX ( XXXX ) XXXX consumerfinance.gov This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021

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 2023-11-08
Company: Incomm Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
my trip was to XXXX XXXX XXXX at XXXX there was a charge on my card from XXXXXXXX XXXX  there was only XXXX on the card but I was told the charge was XXXX. I called and stopped the card and put a hold on it. they said they money might come back. so I waited a few weeks and nothing. I then contacted them again and now was being told I have to submit a claim form, ( never was told that in the begining ) so I did that and they won't give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently decided to close my safety deposit box with Chase Bank in XXXX, California and I made an appointment for the following Saturday, XX/XX/XXXX at XXXX XXXX. Unfortunately, I got sick with XXXX and was very XXXX, Saturday, XX/XX/XXXX, was my first opportunity to close my safety deposit account. I closed the safety deposit box account and I asked if I could have the {$70.00} annual rental fee reversed. She said she could not, the system would not allow her to do so. I asked to speak with her manager who said the same thing, the system would not allow them to reverse the fee. I asked them to give me back my safety deposit box since I am already paying for it for another year. They said I could not have my safety deposit back even though I paid for it since it was now closed in the system. I am asking to please either return my {$70.00} or allow me to keep my safety deposit box which I have now paid rental for another year. Or prorate the rental fee since the annual rental period started on XX/XX/2023, 2 days prior to the day I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XX/XX/23 I deposited {$990.00} into my Robinhood account. The account was then restricted and access to my funds were denied. I provided all documentation confirming that I am the owner of the account that the {$990.00} came from. Their policy states you will be updated on the status of the account with 10 days. It has been more than that and I have not gotten a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Self Financial Inc.
State: AL
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:
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX XXXXXXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
SELF FINANCIAL/XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
SBNASELFLNDR Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXXXXXX. 
SELF XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX  XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$400.00}

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 2022-06-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got a promotional offer from Wells Fargo to open checking account. Once checking account has more than {$1000.00} direct deposit within first 60 or 90 days - I will be provided {$320.00} cash back bonus. I opened this account on XXXX XXXX XXXX. 
On XXXX XX/XX/2022, when i checked for this {$320.00} bonus, Customer service was unaware of it and opened a case. No response from WF till this point of time.

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 2023-10-19
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2023 I deposited {$990.00} from my checking account into my Robinhood account. I provided proof that the {$990.00} was from my personal checking account and they refuse to return my money or reactivate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion 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 XXXXBalance  {$0.00} XXXX XXXXBalance  {$0.00} XXXXBalance  {$0.00}

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 did check my transunion  i seen alot inquiries i didnt even authorize
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
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:
IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A XXXX 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 2021-12-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( WAKEFIELD LAKE & ASSOCIATE REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they ( XXXX XXXX  XXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXXXXXX due to the XXXX  XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any XXXX XXXX XXXX XXXX  and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such pressures both XXXX XXXX XXXX..thank youXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new car in XXXX. I have since moved, and have tried to register the car in my new state. This requires a copy of my title and a one and the same letter. I have called Hyundai Motor Finance repeatedly to obtain these documents. 

Each time, they say they will send it, then set the status of the document as complete without sending it. When asked why they wont send it, they say the request failed because they can not send the documents via email, and they agreed to mail it. They did not send it, and I have been unable to register or drive my car.

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 2021-12-28
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO CHRYSLER CAPITAL WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
My credit report has derogatory trade lines that are over 10 years old not in compliance with the FDCPA & XXXX. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: U.S. BANCORP
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX on a few occasions, with the last date of contact being XX/XX/XXXX. XXXX does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK 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 However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and XXXX will not investigate and remove unauthorized inquiries. I submitted a XXXX XXXX. Nonetheless, XXXX needs to do more than note the unauthorized inquiry and have it removed 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 explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NY
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 want to notify the Experian Credit Bureau Once AGAIN that I was a victim of identity theft and that I am asking for the removal of these fraudulent items that are the consequence of claimed identity theft from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.

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