BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2017-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from Capital One to open a checking and money market account to receive a {$400.00} bonus ten weeks after completing the conditions ( see attachment ). 

Due to fraud alerts on my credit reports, I was unable to open the accounts online. On XX/XX/XXXX around XXXX central time, I went to the Capital One Banking Branch located in XXXX, Texas and opened the checking and money market accounts with the Bonus Offer Coupon. The Capital One Banking Representative called over her manager to input the code offer into the computer and I was told that I would automatically receive the {$400.00} deposited into my account within 10 weeks as stated on the Bonus Offer. One week after opening the account, I went to the Capital One website and printed a description of the Bonus Offer ( see attachment ). 

After completing the stipulations of the Bonus Offer, I waited patiently week after week but never received the {$400.00} Bonus. Finally, on XX/XX/XXXXaround XXXX central time, I called Capital One at XXXX and spoke with a representative named XXXX. After explaining my concerns to this representative, I was transferred to a manager named XXXX. This Capital One Manager stated that the Capital One representatives at the Branch misspoke and that the offer was only targeted to certain individuals. XXXX offered me a {$100.00} consolation, which I refused. I stated that I would be escalating this as appropriate since there was no supervisor above him that I could speak to. The phone call lasted 18 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: PA
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 XXXX account number starting with # 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 explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: IL
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 XXXX  Account # XXXX, XXXX XXXX XXXX ; XXXX XXXX, Account # : XXXX ; XXXX  XXXX Account # : XXXX ; XXXX Account # : 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 : 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
Consumer complaint received 2022-05-22
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We entered into a Cares Act mortgage forbearance in XXXX with Flagstar Bank. Our forbearance time was up in XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and let them know we couldnt make the current mortgage payments and wanted them to reduce our payments as per the Cares Act. They didnt respond to me until XXXX of XXXX. I called multiple times between XX/XX/XXXX and XX/XX/XXXX to check in because I was told it would only be 30 days to get a response. Each time I was given a different answer. When I received paperwork from them in XX/XX/XXXX the interest rate on our loan was not changed and our mortgage payment actually went up. According to them since there was an escrow analysis the payment was actually XXXX dollars lower. They told me that their investors would only allow this payment amount and no change to our interest rate. I told them I didnt want this new option and wanted to just do the partial claim instead. They sent me the contract for the partial claim in XX/XX/XXXX. My husband and I signed it and sent it back to them in XX/XX/XXXX. I called Flagstar Bank in XX/XX/XXXX to see if they received the contract because we were still getting collection calls from them and nothing updated on our online account. I was told they did receive the contract and processed and recorded it. I was also told that once I made the XX/XX/XXXX payment on the first our mortgage would reset to the new terms and we would see the new information on our online account and our next statement. The online system would not let me pay so I called Flagstar Bank on Monday XX/XX/XXXX and made my payment with a staff member over the phone. Today XX/XX/XXXX I received my statement. Nothing has changed. Nothing online has changed. We are showing as delinquent with XXXX XXXX dollars due immediately. Today is a Saturday and I cant call them because they are closed. Weve done everything required of us under the Cares act and Flagstar Bank has not followed the 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 2023-04-13
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:
I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Unauthorized Inquiries : XXXX CASE XXXX XXXX XXXX XXXXXXXX XXXX Transunion XXXX XXXX SERVICES XXXX XXXXXXXX XXXX Transunion XXXX XXXX XXXXXXXX XXXX Transunion XXXX  OF XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XX/XX/2023 Transunion

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-05-22
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. 
XXXX XXXX act # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX I do not owe any debt or am I a resident in the state of SOUTH CAROLINA There are 4 violations circled on the attached correspondence from the mentioned company.

15 usc 1692 C 15 usc 1692 D ( 2 ) 15 usc 1692 B ( 2 ) 15 usc 1692 G ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood markets Inc has frozen my account with them as a result of an account restriction that they will provide no details about how to get lifted. This has been ongoing for over 3 weeks and they will not allow me to withdraw my balance held in my account to an external account while this is ongoing. However they are debiting my balance for a premium account and services with their company which they are also restricting me from using. So they have limited my ability to access my own money and while they hold my money hostage theyre paying themselves from it for services they wont allow me to use. 


I logged in 3 weeks ago and was prompted to submit my social security card, my govt issued ID, as well as Bank statements in their entirety. I submitted all of the requested information within a matter of 1-2 days. However, my account remains restricted and despite continuous outreach on my behalf the only responses Ive received from them are XXXX  customer service emails from robots that contain no real information and provide XXXX help getting my issue resolved. I have been requesting calls daily and they will not provide me access to the account review team who is supposedly reviewing my account to validate something, but cant tell me what it is or why. It is on its face ludicrous that it should take any company 3 weeks to validate any piece of customer info, much less a firm that is publicly traded and has thousands of employees. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, at XXXXXXXX XXXX, I deposited 2 money orders made out to me for {$1000.00} each, at a Bank of America ATM location on XXXX XXXX XXXX in XXXX, MA XXXX. I also deposited a check from XXXX XXXX  drawn on a checking account that is also in my name, for the amount of {$1300.00}! The deposited total was {$3300.00}. 
Bank of America customer service representatives are telling me that for reasons unknown the funds will be available on XX/XX/XXXX. I called Bank of America 's customer service and they stated that they were placing a hold on the funds in order to " protect me! '' Protect me from what?? I also drove to their XXXX XXXX branch located XXXX XXXX XXXX and spoke to a gentleman by the name of XXXX who was unable to tell me what if anything was the problem before sending me on my way. I have been depositing money orders for years in the same account, so why are they having an issue now? I have had direct deposit for approximately 7 years. I have been a customer of the Bank of America since XXXX, so it's definitely not a new account. I haven't been overdrawn or bounced any checks in over 10 years!! The deposit is well below the {$5000.00} that's used as a guideline to place a hold on funds by Bank of America. There is no reason to believe that the money orders or the check deposited is in any way shape or form uncollectable! I deposited the money orders and check so that I could pay my bills, so for Bank of America to place a hold on these items for no apparent reason, is totally unacceptable on their part!!

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 2022-11-16
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Gemini account has been frozen by Gemini for more than one month. Gemini deactivated my account without my consent or any notification. Thus I have been unable to access my funds of XXXX in the account. 
I have contacted the Gemini support team and submitted verification documents but no update from them for one month, despite my over 20 emails to chase for an update.

I have never gone through any fraudulent transaction with my account and it is not acceptable to lock my account and my funds with no reason and no resolution. Im concerned Gemini has moved my funds without my acknowledgment for other purposes and now facing liquidity issues, so they now limited my access to the account to withdraw. 
My appeal is for Gemini to unlock my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to zero, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to zero  balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now zero balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, XXXX, Experian, XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to zero, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to zero, and experian this is so frustrating.

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 2022-05-21
Company: Navient Solutions, LLC.
State: AR
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/, I attempted to obtain free annual reports from more than 10 of the companies that the Consumer Financial Protection Bureau has listed on their website but I had no luck. Each attempt turned into a process. These processes are why I'm filing this complaint. The personal and private information that these companies have are given to total strangers INSTANTLY. No hassle. No waiting. But when the individual that this information pertains to requests to view it, it becomes a highly secured better have all you t 's crossed and all your i 's dotted process. This is not RIGHT!! People who don't even know me can have access to all the ups, downs, highs, and lows of my life INSTANTLY because they paid the required monthly fee but I have to jump fences and hurdles to gain access to the same information that at the end of the day is nobody 's business but mine in the first place. I mean who gives these companies permission to rummage through court records, arrest records, billing records, insurance records, etc?! I sure didn't! They dig through your personal life and find all the negativity that they can find then have the nerve to put a process in your face when you try and find out what they are telling people about you. It's unconstitutional is what it is!! They shouldn't be allowed access to your personal business in the first place but when you sign a waiver and allow them access, they should provide the information to you as fast as they provide it to the public

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I visited XXXX XXXX in XXXX Florida located at XXXX XXXX XXXX XXXX. When I arrived I had a pre-approval from XXXX XXXX for a car loan. The dealership and I discussed the purchase of a vehicle. Once an agreement was reached the dealership asked me to complete a credit application, " I did so ''. The dealership came back with a response from XXXX XXXX and I declined the offer. Once I left the dealership I discovered via email, the dealership had shared my information with 5 lenders and each of those lenders pulled credit reports. The reports obtained were without my consent or my knowledge. XXXX XXXX was the only credit report I authorized. As a result, I have taken several credit hits which will remain a negative mark for years, and I would like them removed. I believe these unauthorized credit inquiries were a violation of the FCRA. XXXX, XXXX, and Experian must remove these credit inquiries placed on my credit report on XX/XX/2022. I will take legal action using XXXX XXXX XXXX XXXX if these 5 inquiries are not removed immidiately.

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 2023-12-12
Company: EQUIFAX, INC.
State: KS
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 went to the car dealership, and I wanted to apply for a car, and they shopped my credit around without my consent. I told them I would go through my personal bank, and they proceeded to go forward without my permission. This has affected me extremely as my scores have dropped and i have been getting denied for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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