BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXXXXXX XXXX XXXX  XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from 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 2023-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account.

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 2020-07-25
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had made a recall request to the Kraken in order to recall transfers that I inadvertently made to a fraudulent merchant. 

The details of the transfers are as follows : Digital Exchange Amount Digital Currency Transfer Date Kraken XXXX Lumen XLM XX/XX/2019 at XXXX XXXX Kraken XXXX Bitcoin XBT XX/XX/2019 at XXXX XXXX I was apparently a victim of an Internet-fraud committed by a person hidden behind the web-platform for trading financial regulated tools XXXX or similar. On first place, I was misled by the merchant that 1 ) they are entitled to trade regulated financial tools ; 2 ) they are keeping my money in segregated financial accounts ; 3 ) Im participating in real-time trading ; 4 ) the addresses and contact details on the web-page are really related to an existing broker. Most, if not all, of these facts and circumstances are falling within the scope of the regular XXXX/XXXX-check-ups that diligent banks should do according to the applicable law. I was instructed by the Merchant to wire funds to Kraken and after that to the merchant. In such cases all financial institutions should not have allowed transactions to happen, if they are possibly related to fraud and/or money laundering. On second place, I have tried to resolve the issue by contacting Kraken and demanding reversal of all transactions made to the beneficiary, merchant and any third parties hidden behind XXXX platform. Unfortunately, the Kraken responded they were unable to assist further due to different regulatory obstacles.

I informed the Kraken about the fraud and the money laundering that happened to me. But they didn't help me at all. 
I believe that the Kraken is associated with this fraud and money laundering.Therefore, I kindly ask you after consideration of all facts on the case briefly summarized above to : 1 )  Check the observance of the XXXXand XXXXobligationsof Kraken in the case of the disputed transactions in light of the restriction to process payments possibly related to fraud ; and 2 ) To instruct Kraken to reverse all disputed transactions with regard to the payments specified  in the letter provided to the bank on my behalf.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: CA
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:
Good day. I am reporting the credit bureaus Experian, XXXX, XXXX about the Student loan reported on my credit report : They have not followed the laws/CFRs Family Educational Privacy Act XXXX Privacy Act of XXXX 16 CFR 433.1-Definition. I am the consumer. Money purchase loan NOT a Educational loan 16 CFR 433.2- I am able to assert my rights at ANY time.

16 CFR 433.3- Who is exempt? Consumer application was done after XXXX, it applies. 


DPT EDXXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3000.00} {$3000.00} {$3000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Consumer disputes after resolution Student loan Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XXXX XXXX XXXX  BELOW attached are the additional accounts I requested they remove 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 explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NV
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-04-27
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$3900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Since XX/XX/XXXX I have been trying to make a wire transfer or access cashier checks. After at least 12 phone calls Capitol One will not allow me to have access to wire the money or order cashiers checks and the also will not send the money vis phone because I am not sending the money to a title company. I am trying to purchase a house for cash in Mexico but the wire transfer is from a XXXXXXXX XXXX to a XXXXXXXX XXXX. They will not tell me when they will release my ability to wire the money. On XX/XX/XXXX I went into default on the contract I signed and they still will not release my funds. They did allow me to make two {$11000.00} ( {$22000.00} total ) before locking me out. So now there is a very good chance I will lose my money because they are holding my money XXXX with no way for me to access it. I needed to make a {$89000.00} payment that they refuse to release for my protection. I will lose {$22000.00} because they are holding my funds for no reason and will not tell me when they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of Education/XXXX XXXX I believe that the Department of Education/XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. 

The details of my complaint are as follows : 1. Creditor 's Name : Department of EducationXXXX 2. Account Number : XXXX 3. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of EducationXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, Experian, XXXX ]. 

Furthermore, I have noticed that the Department of Education/XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. 

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of EducationXXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. 

I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of EducationXXXX adheres to its reporting obligations and corrects the interest charge. 

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: LA
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:
Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I to be need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavits. Please delete the items 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 explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These are the company that went into collection these accounts are fraudulent and I have no knowledge of these accounts. 

Company or Organization XXXX XXXX  XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX  Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/2022

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 2022-11-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chase Card Services XX/XX/XXXX Inaccurate accounts account ending in XXXX and account ending in XXXX Misleading Information as it shows on their XXXX and XXXX letters, attached On their letter dated XX/XX/XXXX XXXX Chase UPDATE We will stop contacting g you about this account by phone and mail On their letter dated XX/XX/XXXX XXXX Chase UPDATE We will stop contacting g you about this account by phone and mail Chase Card Services, continued communicating by mail on XXXX harassing me and inconsistent as per their letters on XXXX This is a violation Chase Card Service and a continuously XXXX I request an account close letter for account ending XXXX and account XXXX And to provide me full account number for account number ending XXXX in and full account number ending in XXXX ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXXXXXX  and the proceeds were divided 50/50.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
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 exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked XXXX XXXX XXXX to conduct an independent investigation for inaccuracy in reference to : XXXX XXXX XXXX XXXX XXXX 

The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. XXXX informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion.

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.

Company response to consumer: In progress
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
Involves XXXX and XXXX card. since XXXX XXXX! I call XXXX I get an all clear, and no balance to my XXXX card, and I call XXXX -- -- -- -- -- they say prove it? I have many times over, since Monday of this week even, I mailed them a tracking number from where it was picked up by XXXX XXXX XX/XX/XXXX! They have everything? I mailed and kept a photo of returned rec'pt for XXXX, Tracking number # XXXX XXXX XXXX XXXX XXXX. Mailed to : by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX. The man ( XXXX driver ) says that picked up, don't seal it I will do it. so I did not. The amounts were {$130.00} and also {$26.00}. 

Ever since I have spoken to each and every representative from XXXX says prove it? We are not going to look for it! Then they gave the claim numbers of # XXXX & c # XXXX. Most hang up and say : pay it. we are not looking for it okay? we are reporting you -- -- -- -- -- -- -- - I am a very long time consumer with XXXX card. XXXX XXXX, Florida. I am so angry about this. They don't care, I have the account with XXXX frozen too. ever since. Please help I have reported each credit bureau too.

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 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Glass roof of ongoing push by credit reporting agencys to keep credit scores under the XXXX score to prevent people that recieve moneys from us goverment programs under the poverty leavel poor and with low scores, even inXXXX wien i paid all owed and due to my creditors they blocked payments of charge-offs and took nevitive action after that ended-up being denided credit for decades as a lawfull us citizen, they would update right befofe it was to fall off my report keeping it on report or sell it from agency to agency to keep it on my report even the ones from early 1990 's that they forced me too pay XXXX XXXX fee for XXXX XXXX credit that they later made illegal, updateing was a way they delayed posting timely payments HELP HOSEST POOR UNEMPLOED 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