BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/21, I ordered two free trial supplements on line. The order was cancelled on line and the company XXXX XXXX never sent me the supplements, but I did pay the small postage via credit card. I never heard from them again until I received a collection notice actually 2 of them today XX/XX/21 for XXXX each. They said I owed for supplements. I never received any supplements and they said they emailed me which they did not. Now the operator on the other end wants me to pay for something I did not receive. I told her I will not do so and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've sent in numerous of letters to TransUnion asking them to remove the Bankruptcy off my credit report or provide me proof from the Bankruptcy court that verifies they have reported the Bankruptcy to TransUnion. I have sent them letter 's on XXXX, XXXX, XXXX, XXXX, XXXX and on other months as well. I have provided TransUnion with a letter stating that the Bankruptcy court doesn't report to any third parties including credit bureaus any information that pertains to a Bankruptcy. TransUnion stated in a letter of dispute that was dated on XXXX that they contacted the Bankruptcy court and they supposedly reporting the information as accurate. That is false. The letter from the bankruptcy court clearly states that they do not perform any activities with the credit bureaus. 

TransUnion needs to remove the Bankruptcy from my credit report or provide me with written proof from the Bankruptcy court that they reported the Bankruptcy to them. TransUnion please provide me with written proof from the Bankruptcy court upon your new investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered my free credit reports online and went thru them to find a few inaccuracies on them. I furnished Trans union with absolute proof that I returned a XXXX XXXX cable box along with the XXXX XXXX pictures and tracking confirmation. Also a letter that was from XXXX   XXXX stating they received the box with a credit to me for the amount of XXXX which they forwarded a credit card with the balance amount to me. After speaking with the girl today she says it's up to XXXX XXXX to take off the negative report with them after I furnished them in black and white the evidence that XXXX XXXX got it with the letter they sent to my home and also with the tracking from the XXXX XXXX office with pictures of proof of the cable box returned to XXXX XXXX. 
Also I applied for a loan with my credit union bank and my score was. XXXX now down to XXXX with the inaccuracies on my report. I kindly asked them to adjust that to reflect what it was previously to be fair which I assume they don't wish to do and also send me the revised credit report and to my bank for them to see these items were not to be on my report for them to reconsider the loan.

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 2023-02-05
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
XX/XX/XXXX Acct : WELLS FARGO XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : XXXX On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX Mail XXXX XXXX XXXX to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send XXXX forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXX XXXX XXXX XXXX to receive my credit report every month which will be attached. 

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 that the 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 2021-07-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, Today is XX/XX/XXXX. I am filing a complaint against USAA bank for a decision made in a payment dispute. On XX/XX/XXXX, I made a payment to a debtor, XXXX, for the amount of {$380.00}. On XX/XX/XXXX, I received my federal tax refund in the amount of {$4500.00}. The tax return was originally {$4900.00} ; however, the IRS made a payment to XXXX on XX/XX/13 in the amount of {$400.00}. I was not aware that this occurred prior to my payment of {$380.00}. 

I disputes the charge and a temporary credit of {$380.00} was applied to my account by USAA. I received a letter from the IRS a few days after my payment of {$380.00} stating the deduction of my tax return to pay a debt. 

On XX/XX/XXXX, I submitted a dispute request on my credit report to XXXX. I uploaded the document that I had received from the IRS. On XX/XX/XXXX, I received notice about my dispute results from XX/XX/XXXX ; the debt of {$380.00} from XXXX was removed from my credit report, as the debt had been paid. 

I received notice from USAA bank on XX/XX/XXXX to submit detailed information regarding the charge by XX/XX/XXXX. If not, then my checking account credit of {$380.00} would be reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I uploaded the IRS document to USAA. I called USAA around noon to confirm that they had received the document and if it was sufficient information they needed. 

USAA verbally told me that my information was sufficient. They also made a note in my account on XX/XX/XXXX with my request for documentation to a verbal approval. I had made multiple calls ( 3 representatives ) about the information that I provided. During these phone calls, I explained to USAA the document and how it relates to deposits and charges to my account. 

On XX/XX/XXXX, my account was debited {$380.00}. USAA had concluded that I had not provided them with sufficient information. When I explained this information to a senior member in their service department, she said that I could send an email to USAA explaining everything that I have to you in this complaint as an affidavit. USAA does not support email as a medium for me to contact them directly. 

Im frustrated with their service. I live paycheck to paycheck living in the XXXX XXXX. USAA has disrupted my livelihood and now I must worry whether their investigation into my dispute against their decision will come before the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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, 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 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 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 2021-07-27
Company: Experian Information Solutions Inc.
State: LA
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 not received any confirmation on how you have verified the alleged hard inquiries attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *******

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 2021-05-28
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a brokerage account with Robinhood.com. on XX/XX/21, I authorized Robinhood.com to withdraw {$500.00} from my bank savings account to participate in the XXXX XXXX. 

Robinhood did TWO {$500.00} withdrawals from my bank savings. Neither the Robinhood customer service person can locate nor the Robinhood app shows my {$500.00} cash balance. 

This is even though I have email from Robinhood.com acknowledging the two withdrawals. I have screenshots from the app acknowledging the two withdrawals. and I have a bank statement that shows the two withdrawals. 

I have repeatedly emailed Robinhood.com this detailed information. they have not responded satisfactorily. And now they have ceased responding altogether. 

Robinhood has stolen or lost my money. And I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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 2018-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
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 : This account was disputed on XX/XX/ and XX/XX/. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. Equifax reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. Equifax reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: EQUIFAX, INC.
State: IN
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown account on my credit report. There are multiple errors shown in my report. Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2021-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last Friday, XX/XX/2021. I reported to Chase bank about unauthorized transaction from my checking account. I spoke to XXXX, I was put on hold for 15 minutes, then I was transferred to a female, I repeated to her about my report that their is an unauthorized transaction in my account amounting to $ XXXX something. So she said, they will investigate and she acknowledged it, they will cancel my card and send me a new one. I said thank you. I was expecting my debit card be replaced right away. Saturday comes, Sunday and Monday. I called and followed up. Bec I used my credit card to gas up, but I was declined, found out that Chase banker cancelled also my credit card. Instead of my debit card only of which I only complained about my debit card, for that unauthorized transaction. I spoke to a male banker, & said they will replace my credit card. I was so disappointed that both my cards are on hold. I needed to gas up, and non of them works. I cant catch up with banking hours bec I m at work, gets out of work and bank is closed. I waited for another day. XX/XX/XXXX, Tuesday morning, I called again to follow up my debit card., I needed to send money to my brother for his dialysis and medications, but my debit card still on hold. I spoke to XXXX. She said my debit card was on hold and the replacement is was bit in placed. Which makes me more upset. I spoke to their supervisor, this is not acceptable. Its a negligence, I needed my card, for my money. I dont use XXXX XXXX bec I done trust it. My chase account is often encountered unauthorized transaction that I dont understand why it happened. So pls help me get a fair service, this chase bank should train their staff well. They should compensate. And Im so disappointed with their negligence. I am a XXXX who works hard. I know what it means to be responsible to my clients. So pls help me let them feel my disappointment and concern. I dont accept apologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NJ
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:
A f

ew weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: AL
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 sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I tried to initiate a transfer to my bank from my available funds in Robinhood. I was given an account transaction error. No other information was provided. I tried to transfer smaller amounts ; same problem. Ive been emailing them daily since that day. Last week I tried reaching out numerous times on their AskRobinhood page on XXXX. Zero response! I even tried initiating a transfer to XXXX. Initially I received a message saying I couldnt do it because I own cryptocurrency. I sold all of that ( at a loss! ) to proceed with the transfer. Then the transfer was denied, again because of this mystery account restrIction. Ive looked on their FAQs and I dont seem to fit any of the scenarios ( not a day trader, funds transferred always cleared, etc. ) so I have NO idea why they will not release my money! Beyond frustrated. This seems criminal!

Company response to consumer: Closed with explanation