BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: ROBINHOOD MARKETS INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had several charges for goods on my debit card issued by Robinhood that were not received. The merchant revoked the goods permanently and totally without cause. I had attempted to report goods not received to Robinhood through their app, as their FAQ and website instructs is the only way to issue a dispute. The app told me I can not open disputes in the app so I had to run around in circles to find out how to contact the company directly. 

Two weeks after my support ticket was sent in ( with an average response time of >24 hours reported ) I received an email stating my cases had been opened for the charges and that I should provide any additional information I have at this time. Just 2 business days later, before I had even had a chance to respond, Robinhood notified me all of my disputes had been closed in the merchants favor due to insufficient proof. They didn't even give me an opportunity to provide details from side and I'm certain they have not received anything from the merchant in such short timeframe. This appears to be a case of Robinhood blatantly ignoring the Fair Credit Billing Act in it's entirety by not actually conducting an investigation. I'd love to see any proof they have of conducting one since I'm positive no such activity transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my 3rd attempt to correct my XXXX credit report and these XXXX continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you XXXX ( Transunion, XXXX and XXXX ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX XXXX I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.

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 2018-12-19
Company: WELLS FARGO & COMPANY
State: NV
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 has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK 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 2023-05-22
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' i have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX : There were two fraud ACH charges ( titled " ACH Payment Refund ) of $ XXXXeach for a total of {$6000.00}. This is completely unrelated to anything transactions or payments I have made and is 100 % fraud. 
XX/XX/XXXX : Called Bank of America and spoke to two different representatives before a fraud case can be opened. BOA promised someone will contact me within 7-10 business days. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were declined and my account was put on hold. I had to call to remove the hold. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were again declined and my account was again put on hold. I had to call to remove the hold but it was not possible because their system were done. 
XX/XX/XXXX : Made 3 calls to BOA to remove the hold on my account and they said I have to wait up to 45 days before the case can be investigated and money refund to my account.

{$6000.00} is a huge sum of money to be on my credit card balance for 45 days which will impact my credit usage and consequently credit score. Furthermore, the pending unresolved fraud case is causing my transactions to be flagged and my account to be put on hold which there is no other way to resolve other than having to spend time on the phone with them.

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 monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
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 writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action. 

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report. 

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history. 

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Imm

ediate removal of the inaccurate information from my credit report. A formal, written explanation of the corrections made to my credit report. I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account XXXX XXXX XXXX  Balance : {$470.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: EQUIFAX, 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:
credit agencies are listing a negative account balance that does not belong to me and is fraud on my credit files I have requested the removal of this account and they have not done so or notified me of the results within thirty days they have not investigated this matter and this has caused a great deal of hardship and has had a major negative impact on my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid 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 made a purchase at XXXX using the secured payment method of XXXX. My total purchase was for {$3500.00}. My item was set to be delivered by XXXX however I was not available for the deliver so my package was marked as Undeliverable and returned back and to the sender on XX/XX/XXXX at XXXX am. I was supposed to be issued a refund of {$3500.00} to my XXXX account. I waited until XX/XX/XXXX and since I still hadnt received my refund I opened a dispute with Apple Card Goldman Sachs, they initiated a dispute with XXXX. Then on XX/XX/XXXX I received a credit of {$240.00} which I was confused about because this is not the amount of my dispute which is {$3500.00} When I spoke to a XXXX over the phone they told me that they seen I had been refunded from XXXX on XX/XX/XXXX in the amount of {$3300.00}. However this is a refund for a returned item that I purchased on XX/XX/XXXX using my actual Apple Card number, not XXXX. I was confused as to why they would think that this had anything to do with my initial dispute of {$3500.00} from a transaction that I made using XXXX. If I make a purchase and received a refund it will be refunded via XXXX. Apple Card Goldman Sachs exclaimed that they made a mistake and put in another dispute to correct the amount owed to me with the subtraction of the {$240.00} that I was credited on XX/XX/XXXX. However most recently on XX/XX/XXXX I was charged {$3300.00} onto my available balance. So I still do not have my refund for this item that I never received and was returned back to XXXX. Once again they have filed another dispute for the amount of {$3300.00} on XX/XX/XXXX. I do not believe this issue should take this long. I have provided all necessary XXXX  tracking information as well as all of my transactions to show that I should be refunded, but somehow I keep going in circles over and over again. This is a very poor level of customer services from the mistakes made and not paying attention to detail. I do not understand why this company is confusing a XXXX transaction with a transaction that is separate from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried several time to get my personal information updated so that it's accurate with no success. All I get is letters saying that they had a " suspicious request, '' even though I included my drivers license and proof of address ( same ones I've included on this complaint ). Please have them add, remove, or replace all information to match what's listed below : My current and only address is : XXXX XXXX XXXX XXXX  XXXX, IN, XXXX ( Any other addresses are not deliverable to me by the U.S. post office. ) My ONLY and ACCURATE name is : XXXX XXXX XXXX ( Any other spelling of my name or alias MUST be deleted ) My only and correct date of birth is : XX/XX/1980 Please update/add my only employer to : XXXX XXXX XXXX XXXX My only phone number is : ( XXXX ) XXXX Please remove all the other addresses, names, aliases, birthdates, and employers ; except the ones listed above. Outdated information is not reportable as per the FCRA, since it is inaccurate. 

In addition, there has been a consumer statement added to my credit reports without my consent indicating a fraud alert. I would like that removed immediately.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$6800.00} XXXX ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-01-01
Company: Lendmark Financial Services
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:
The two companies Im reporting has charge offs on my credit that I dont even know about and Im a identity theft victim so I would like this problem handled please I would like everything erased from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2023 I sent you a letter regarding inaccurate things on my credit report on but to this day, more than 60days have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I spoke with Discover reps yesterday, XXXX, was advised accounts are closed, checking account overdrawn in the amount of $ XXXX including returned item in the amount of {$690.00}. This item is a check issued from XXXX XXXX XXXX XXXX, mentioend in prior CFPB complaint ( XXXX ), a relative deposited check into account under his name. It appears the relative made a claim for this amount with issuing bank, XXXX XXXX, whom in turn investigated item and was returned back to them as of yesterday, XXXX. I spoke with a XXXX XXXX with XXXX XXXX to verify return, was told it was not returned, it was denied... I then reached back out to Discover, was told funds were returned to XXXX XXXX, which does not match up with information provided by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NJ
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. 

======================== Account Name : XXXX Account Number : XXXX - {$2000.00} - XXXX  Account Name : XXXX Account Number : XXXX - {$0.00} - XXXX Account name : XXXX XXXX Account number : XXXX - {$0.00} - XXXX Account name : XXXX  XXXX Account number : XXXX - {$5100.00} - all3 ============================ Unauthorized inquiries : XXXX XX/XX/2023 Equifax XXXX XXXX XXXX Equifax 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
In XX/XX/2022 I receive documentation that all XXXX XXXX  would be dismissed personal and federal student loans and I receive documentation stating what loan to be closed and the value an estimated to {$40000.00} which is still currently showing on my credit report I have contacted XXXX and explain to them that it needs to be removed and they will not remove it. This is making my credit report look bad because it still shows that I am in debt and additional {$40000.00} and I am not. My total student loan should be completely XXXX now and it should be reported so on my credit and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: IL
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:
I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive had this account for about 6 months and in that time, Ive paid 4 payments early and the correct amount were charged to interest and the principal, however the other 2 payment that were paid on time, there are no late charges on my account, the total amount was charged to interest, they cant tell me why the payments that were made on time were all paid to interest and none to principal. 

Payment due for due on XX/XX/23 for XXXX was paid on XX/XX/23 and the total went to the interest. 

Payment due on XX/XX/23 for XXXX was paid on XX/XX/23 amount XXXX and the total amount went to the interest and none to the principal and none to interest, which means a pa total of XXXX in interest with none of that amount applied to principal. 

Seems to me that if I pay on time this loan amount would stay the same

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