BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2021-06-09
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Saturday XXXX XX/XX/2021 I my phone was legally access and my XXXX account was use to clone my phone during the time my phone was cloned my Robinhood account ( RH ) was access from a XXXX device in NY according to my XXXX account information. 

during the illegal access All my crypto currencies were sold and and a possible cash advance due to a sell of doge coin for XXXX dollars, at this moment I only had XXXX on my account. 

I contacted XXXX XXXX via email this is the only they do not have a customer service number, on XXXX XX/XX/2021 reading the account access do to my email not been recognized to reset my password Robin Hood ( RH ) at XXXX CT they replay with Case Number : XXXX then again at XXXX Case Number : XXXX I received an reply on XXXX XX/XX/2021 XXXX to verify some account information My first and last name, The last 4 digits of Social Security Number. Your phone number and Your date of birth I reply XXXX XX/XX/2021 with the requested information and my phone number They reply Mon, XX/XX/2021, XXXX with this message. 
" It looks like the information you provided doesnt match your account details, so well need to verify your identity with a valid government-issued ID to move forward. 
Please upload photos of your ID card ( front and back ) or passport ( picture page ) and then reply to this email so we can help with your account. '' and a secured link to upload the data I follow the instruction and uploaded the data. 

It have been more than 24hr I have send them about 13 email to Robin Hood who does not have a contact number, all via email unsuccessfully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/XXXX I wrote a check to the United States Treasury for XXXX 4th quarter estimated taxes. 
In XX/XX/XXXX I received a notice that the check had not been received. Upon review the check was cashed in late XXXX XXXX  The IRS confirmed non receipt in XXXX XXXX I filed a claim in XXXX XXXX  to Chase Bank for fraud in my account, as the check was deposited in a XXXX XXXX XXXX account and was honored by Chase Bank without an endorsement. 

XXXX XXXX XXXX closed the fraudulent account in XX/XX/XXXX but has not refunded the amount to my account. Chase Bank says that XXXX XXXX is responsible ; XXXX XXXX says that Chase is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It was a XXXX credit that was sold to portfolio recovery in 2019. I have been get harassing phone call everyday since they buy it from XXXX credit. Call everyday even twice a day or more while at work. Now call me under different numbers, I want them proof it was my debit. Because XXXX credit or even XXXX get hacked. But I try to settle the the debt for less. They refuse it 3 times in one day. I said they use their harassing phone call be a XXXX dollar a day, of course they did not hear that. The debt is XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested a dispute that there was duplicative and incorrect information that was contained in my report. In doing so I send a long list stating that some of the addresses did not include unit numbers for my address and the inclusion of seven copies of the same address is confusing. They sent a response and stated that they reached out to the furnished and confirmed the reported information but did not detail how my dispute went rather just stated their general process which is not helpful in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This account has a XXXX balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX   balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # 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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-12-18
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Requested wire transfer from my Marcus Goldman Sachs on morning of XX/XX/XXXX to another domestic bank account I own. Money has still not been returned to me as of afternoon XX/XX/XXXX. Customer service is unhelpful in answering why or what is preventing the wire from processing, despite the transaction being approved. 

They will not cancel the wire and send another way, so my funds are stuck in limbo until they resolve. They told me I have no recourse except wait for the wire to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sold a property. The closing attorney paid off the balance with XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX still lists the balance as unpaid and filed a XXXX day late report with Transunion and XXXX. I disputed this fact. But XXXX XXXX reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from XXXX XXXX stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.

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 2016-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital one reported a payment I made through autopay system as late. the autopay was supposed to be set to " pay minimum '' due. The service although selected did not remit the payment of minimum due. Although the payment was made on time as scheduled the amount was incorrect due to their online site. I have never missed a payment and have a flawless history with them. They are completely able to remove this from my credit yet they are not doing so. Again my payment was on time as usual, but their system did not work correctly even after selecting minimum amount due and closing the site. This is unfair and not the way to treat a customer in good standing of 9 years. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX  XXXX as well as XXXX XXXX  and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.

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 2022-11-30
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: Account information incorrect

Complaint:
I sold a property. The closing attorney paid off the balance with XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX still lists the balance as unpaid and filed a XXXX  day late report with XXXX and Equifax. I disputed this fact. But XXXX XXXX reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from XXXX XXXX stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Buffaloe & Associates, PLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has a law firm collecting on the the debt, I have mad payment arrangements and have bee paying on the debt. XXXX  is refusing to report payments made under the agreement as of XXXX. XXXX XXXX subsequently reported on my credit a missed payment for all the months prior to the payment arrangement. Now that I have made payments they are refusing to update the status of the agreement but reflecting the payment, balance change but still in a charged off status. Im currently in the process of purchasing a home and can not get funding do to the status of the account. I even offered to pay the balance off in full but they still stated they were unable to change the status of the account at this point. XXXX XXXX totally removed the account from their systems and only refer conversations to the law firm of Buffaloe  and XXXX XXXX, who does not partake in any of the credit reporting. They are damaging my credit and refusing to update the status. This account is also 8 years old.. and should not be on my credit at the time it was scheduled for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by [ Name of Collection Agency ]. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
As per the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., I have identified an inaccurate medical account that has been reported by transunion The inaccurate information includes incorrect dates, amounts, and other details that are not reflective of my actual medical history. This inaccurate reporting has had severe repercussions on my credit score and has hindered my ability to obtain financing and pursue my entrepreneurial aspirations.

Under the FCRA, creditors and credit reporting agencies are required to report accurate and verifiable information. The inaccurate medical account has violated my rights under the FCRA, causing significant harm to my creditworthiness and financial prospects.

Additionally, as per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I am entitled to protection against unfair and abusive debt collection practices. The inaccurate medical account has been reported by [ Name of Collection Agency ], and their actions have resulted in the violation of my rights under the FDCPA.

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 2019-04-03
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A loan was taken out from a company called Speedycash. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to XXXX XXXX collection agency which I disputed explained the loan was illegal and not enforceable. XXXX XXXX then placed a collection on my credit report which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been receiving upwards of 5 calls a day from Wells Fargo about my past due account. I am only 1 month past due and awaiting a workers compensation payment. This has been going on all month. I have told Wells Fargo I am happy to make the account current once I receive my workers compensation payment, but they continue to call me 5x/day asking for payment. I have updated my contact information on their website, removing my phone number from the account, but they still continue to call me. Harassing me daily does not make the Department of Labor pay my claim any faster.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
CFPB + TransUnion, In my latest credit report dated XX/XX/2022 there are inaccurate variations of my name and wrong mailing addresses that need to be corrected. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on where they are located on my credit report Please have these handled as soon as possible.

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 2022-08-09
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 am appalled by the ability of the XXXX and TransUnion Credit Bureaus to ignore a consumer 's requests for the correction of the disputed account reporting erroneous information on my Credit Report. I sent a letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct the information being reported by the accounts on my Credit Report. Upon checking my reports, it is clear that the Credit Bureaus have been ignorant of my requests for the correction of the disputed accounts on my Credit Report. The 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$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 2022-06-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX, i mobile deposited an XXXX XXXX  payment into my fifth third checking account. After waiting 2 days for the check to process, it had cleared and was available in my account. On the morning of XXXX, I checked my bank statement to ensure my account was good for the bills that are set to autopay on my account. I was shocked to see that my account XXXX over XXXX dollars in the negative and there was no clear explanation as to why. Today, XXXX, I called fifth third for details as to why they overdrafted my account by such a huge number, given that I had no pending transactions or checks showing as bounced. After talking to an agent at the XXXX XXXX location in XXXX, Ohio, I was informed that the check had been deposited twice although it had not been endorsed until I deposited it on XXXX. I was then called back and told it was because the check was void after one year and I had missed the window to despot it. I was then called back again and told that the check had indeed been deposited twice, and I was expected to pay back the full amount after they had made the funds available. This constitutes fraud on fifth thirds part as they have either deposited an unendorsed check to my account without my knowledge, or have accepted the check and deposited the funds, only to pull them from my account after well over 2 weeks of access. Fifth third has willingly and knowingly provided me false information and is in violation of 15 U.S. Code 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX 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 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