BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: Abra
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with cryptocurrency exchange Abra. The company asked me to withdraw all my assets with them in early XXXX. I withdrew the cash balance in the account totaled {$130000.00}, on XX/XX/2023. The withdrawal was intended to use wire transfer to my XXXX XXXX XXXX account. My cash asset in Abra 's account went to XXXX XXXXmmediately. However, up till today, XX/XX/2023, My XXXX XXXX XXXXXXXX account has not received this transfer at all. 

I sent a request to XXXX, complained about this problem. On XX/XX/XXXX, I received a response saying that their XXXX XXXX XXXX XXXX XXXX was ordered to stop operation by the government of Nevada. The company did not address the solution to solve this problem, and return my money back to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Chase bank accounts Checking and Savings is being close by XX/XX/2023 because of unexpected activity. I have not done anything out of the ordinary with my Chase accounts to warrant it being closed, I use my account regularly and do not engage in illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To whom it may concern : Ive notice unauthorized inquiries on my credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquires they are unauthorized, and I demand that they be removed immediately. 
I have listed the hard inquires below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fcu - 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
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive frequently checked my credit report and noticed that the errors and false misleading information for individual accounts dont quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Unauthorized hard inquiries 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 03-09-2022 15 USC 1681 section 602 A. 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 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or 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 explanation
Consumer complaint received 2021-07-11
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 have been notified that my information was breeched from several companies. I have recently noticed that request to review my credit was completed but not by me requesting anything. This request was not authorized by me. Please delete this information

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 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
I am a female senior citizen living on a small amount of social security. On XX/XX/2020, I used my Capital One Credit card to pay for a facial that I was told would help me with a skin problem. The employee also offered me a face cream she said would help. I informed her again that I could only use chemical free natural products or it could make me sick. She stated that the product was all natural. I agreed to purchase it and was not told there were no returns or refunds and there were no signs saying that or anything on the receipt. 

After I used the product, I became extremely sick for two days, almost going to the hospital. When I researched the product online, I found that it did contain a chemical. That is not what I agreed to buy so it is a fraudulent transaction which I am not responsible for. The merchant refused to return my {$38.00} after I went back on XX/XX/XXXX and returned the product to the employee leaving it on the counter. The merchant did not even offer an apology for the harm it did to me and made up lies to try to blame me. I still paid for the facial on my card. 

When I filed a dispute with Capital One in XXXX, the person who took my information got it all mixed up. And the person who initially made a decision on the matter obviously did not read all of the information I sent and gave an incorrect response that made no sense. I called again and got the first person who messed the case up and now he told me I needed proof that I returned it ( even though that was already in the information ) and then it would be credited back to my account. I again supplied that information. It was not credited back to my account. 

I filed a complaint in XXXX with the XXXX XXXX XXXX against the merchant, but of course the merchant continued to lie and refused to refund my money. So I filed a complaint with XXXX  against Capital One and provided all of the information again along with the merchants statements on XXXX  which proved my case and received another denial from Capital One with yet another ridiculous statement showing the person who now reviewed my case knew nothing about it and did not read anything concerning it. 

I have been a good customer of Capital One always paying my bill on time. It is not fair for me to be mistreated by this merchant and then again by Capital One. I just want credit to my account for the {$38.00} that I paid for the fraudulent product, and any fees that I have been charged. I paid the {$12.00} balance on my account minus the {$38.00} by the due date last month XXXX XXXX ). Then I want to close my account so I do not have to deal with anything like this again. Thank you. 

Capital One Case Number - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion and XXXX, I am disputing the XXXX accounts by XXXX on my account- to have these removed. 

XXXX - {$65.00} XXXX- {$170.00} XXXX- {$27.00} XXXX- {$0.00} Please have these removed as soon as possible. 

Attached to this complaint are : My drivers license My social security card My complaint letter Emails from XXXX to confirm they agree to remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: NJ
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 have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : 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 2022-11-18
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:
XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. XXXX. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2020-11-11
Company: ACS Education Services
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Conduent Education Services ( CES ) and XXXX : Are reporting against my credit in XXXX of 2017, as a combined report. 
I just learned about this and could not dispute this. 

How are two different companies reporting late payments and why wasn't I notified? 

I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually XX/XX/XXXX and CES ) - original documents needed for review ). 

( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individuallyXX/XX/XXXX and CES ) - original documents needed for review ). 

( 3 ) I looked online CES and XXXX are two different companies ; how, are both reporting the same XX/XX/2017 late payment??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX I had a boyfriend named XXXX XXXX XXXX - I believe? I thought he told me he was putting his check.in my account to help me pay Bill 's and then I thought he said some of it would go to his friends. I dont what happened clearly. I thought it was just his check and then he'd give some to his friends. I was stupid and naive and am now in counseling for my stupidy. I am getting over severe XXXX and my mom died from it and I did too. I'm just now recovering. So I made some poor choices. Anyways the next thing I know I have 5 people in my account with a wire transfer. I never thought that would happen. So now a XXXX named XXXX XXXX out of XXXX is threatening FBI and the cops for his money. As he was on the wire transfer. I never thought this would happen to me. I dont have his money. I dont know what the bank is doing with the money. They hardly answered me. I even got hung up on. So like the scammers got scammed in my account. I want the money gone back to its source. They all called me a liar and I am a XXXX as a veteranXXXX XXXXXXXX accent is so strong i misunderstood him. They have him almost XXXX XXXXXXXX out of XXXX. He made his mistakes and shouldn't be punished. They are cruel commanders and threatening FBI. And I'm innocent. A clean heart. Thank you please assist in spite of my mistakes. It's still wrong XXXX XXXX XXXX XXXX XXXX. Dob : XXXX. Last four of social is XXXX. Email is XXXX Ps its wells fargo case # 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 2022-10-14
Company: BMW Financial Services NA, LLC
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: Account information incorrect

Complaint:
Incorrect information is being reported on my credit report under BMW Financial Services. I have paid my account on time every XXXX XXXX  and somehow BMW has made a mistake and reported my account as late. I currently see a late payment reporting on XX/XX/2022 and the account comments is saying the account is currently past due XXXX XXXX I have never been late on paying this account, in fact I have paid this account for said XXXX in advance. For those months my statements have all said paid ahead of time XXXX XXXX XXXX. This has to be an error on BMW. I have tried calling customer service and they too have told me that my account is current and being paid on time. They said there is nothing they can due to remove the lates on their end but that I would need to dispute it. This is what i have tried doing and after getting no response I have come here to submit a complaint. This is very unfair as I am in the middle of very important projects and this has dropped my score over XXXX XXXX  for no reason at all. Please this needs to be fixed I have all statements and proof that payments were made on time for this account, please fix this. I have had an outstanding relationship with BMW in the past and hope this is fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all 3 credit reporting agencies. 
My XXXX XXXX accounts have inaccurate information regarding a pass due status. 
lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX My credit score was increased by 77 points on my TransUnion account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if 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 2023-08-29
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, account names : XXXX XXXXXXXX XXXX XXXXXXXX, account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX, account name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy discharged reference # 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 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