BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX REPORTED 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 2023-09-02
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 disputed a account on my credit report that is fraud and identity/theft XXXX  XXXX card services XXXX and I spoke to few Equifax reps and they are rude to me and hung on on me and wouldnt assist me of getting this account removed off my credit report and Im so hurt and I felt disgusting I send in the documents and my social and my ID over and over and they are not getting them via online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have some student loans that is inaccurate. I submitted a dispute for them with Experian The 5 student loans I disputed should be showed as closed not opened.

If can't verify the accounts is accurate I want them changed to 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 explanation
Consumer complaint received 2022-10-11
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:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2014 Balance {$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 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 Bank of America notified me that my claim was overturned in my favor and that it was going to be paid in full. I understand that to be credited funds to my account on the basis that an error did occur and y funds will be reimbursed back to me accordingly. On XXXX XXXX I contact BOA asking why haven't I been credited my reimbursed funds yet. The response was that partial amounts were funded back and the rest should follow soon. Two days later no funds arrive. I contact BOA speaking to a supervisor which stated the bank will only pay or reimburse me partial amount and the merchant has already refunded the rest. I ask to pin point date and time in transaction history that the refund process or was transacted. They could determine exactly when or how it XXXX reimbursed just that it has been. Following up with a supervisor she informed me that on the same day I was notified that my dispute was won in my favor, that later on the same day was returned and claim was denied again, after notifying me I was to receive refund and won the dispute. I than proceed to request from the supervisor all documented conversation I myself and BOA have in history on record about this disputes. I was merely requesting a copy of all covered complaints that I have filed and record showing that they were being escalated to priority to be reviewed. I was told such a request isn't possible. I have in my record of history filed XXXX complaints against BOA dealing with policy and procedures and failure to conduct a proper investigation of these claims, and to provide substantial proof to evidently prove or influence the decision to simply deny my claims. I have submitted numerous documents which includes a fraud report from the FTC FEDERAL TRADE COMMISSION, XXXX CREDIT BUREAU XXXX INTERNAL REVENUE SERVICE IRS, CALIFORNIA DEPARTMENT OF CORRECTIONS, LEGAL REPORT FRO XXXX POLICE DEPARTMENT, COURT CREDITED DOCUMENTS AND OTHER DOCUMENTS TO SUPPORT THE BASIS AND TRUTH BEHIND MY CLAIM. I HAVE RECEIVED A PRINT out of transaction history which I've already had and a one page three sentence explanation that the cards used were authorized and activated with my credentials because they were mailed to the address on file and activated over a web portal. That doesn't seem exactly proof of any gravity to make a determine factor or decision when it was clear I had been a victim of true identity fraud. My claim has been denied, won, and denied numerous times without any proof. The funds stolen exceed XXXX us dollars and I'm seeking it all to be accounted for and refunded to me. Please review attached documents as partial evidence to support this complaint and my dispute claims with BOA.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per 15 U.S.C. Sec. 1681i ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : 1. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX I Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX I Address : XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, 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 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capital one XXXX credit which is closed- for the past 3 months I have been paying on the card -- this month XX/XX/2023 they are charging me a late fee of XXXX dollars-how can am account be late if it is closed -- the bill was due on the XXXX and I paid on the XXXX I got up that morning they must had put that charge as soon as they opened because it was not thre on the XXXX -- now I am just guessing -- -I do realize that I still have to pay the balance which is why evevy month I am paying but I do not think I should have to pay by a due date -- if the account is closed why and how are they imposing a late fee and a due date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my account and is saying they will mail out a check after 60 days. They did not provide a reason for this closure. My account was flagged for an account take over because I didnt pass the voice verification while adding my card to my apple wallet, and I went to the branch. Apparently this caused a review on my account and I received a call back saying it was terminated and they couldnt give me a reason why.

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 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 if 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 2023-10-03
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: The CMI Group, Inc.
State: GA
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 am not liable for the debt with so & so. They have not provided me with SSA Form 3288. I have not signed a contract with so & so, they did not provide the original contract as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy.

Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system.

You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241.

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting.

I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXX XXXX, opened on XX/XX/2020, with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. 
I am demanding my remedy for your willful noncompliance for each violation of law.

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 2023-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently reviewed my consumer report and noticed an unauthorized collection account reported on my consumer profile. I have sent notices to the company requesting them to remove the reported account, while also informing them they do not have consent/ permissible purpose. They have totally disregarded my request and continue to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were to unauthorized hard inquires to my credit report. One on XX/XX/2023 and one on XX/XX/2023. This was done without my authorization nor consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have on multiple occasions attempted to withdraw my funds from the Robinhood platform. Despite the funds being marked as " withdrawable '', my requests for withdraw are repeatedly denied. Robinhood has provided me with the reason for this issue is due to having to verify my ID, which I have done multiple times with numerous Robinhood associates over the course of 4 months. Robinhood has prompted me to provide them with the front and back of my driver 's license, and a live selfie in order to verify my ID and lift the restriction that is on my account to allow for withdrawal. I have provided Robinhood with this information numerous times.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquires i did not authorize listed below 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 explanation