BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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 2022-12-22
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a California Middle-Class Tax Refund Visa Debit Card from XXXX XXXX XXXX XXXX a service of XXXX XXXX XXXXXXXX XXXX for {$1000.00} and managed by Money Network . 
I activated the card 10 days ago and created an online account with the Money Network. 
They requested the last 6 numbers of my social security to create the account. That was already weird. I waited 4 days for a balance transfer to my XXXXXXXX XXXX account. 
When I logged back to Money Network the balance was ZERO dollars because the card had been used five times at XXXX store in XXXX, CA on XX/XX/XXXX in the afternoon. 
I called the number on the back of the card and the representative told me they could not do anything about it and were taking notes of my issue and they did not know when this will be resolved. 
I also called the California FranchiseTax Board which has an arrangement with these fraudulent companies and every time you selected money network you will be directed to Money Network to tell you the same thing : " they can not do anything about it '' I need to get that relief money back into my account to use it as it was meant to be : a relief.

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 2021-06-28
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
USBANK : My Name is XXXX XXXX I have an Checking account XXXX and Routing Number XXXX. 
I purchased the tickets from XXXXXXXX XXXX XXXX  on XX/XX/2021 in morning and request transfer electronic funds to XXXX XXXX Account Number XXXX and Routing Number XXXX, XXXX XXXX XXXX XXXX after tickets confirmed from XXXX XXXX. 
In evening when i called XXXX XXXX they told me tickets are cancelled by Travel Agent. 

I called USBANK customer service to cancel this payment, it was due on XX/XX/2021 because of Saturday and Sunday and it takes 4 days to transfer the funds too. 
Bank Customer transferred to Fraud and Dispute transfer and told me after trasferred money " We will file a disputed case and then returned your money of {$1200.00} ''. 
I called so many times on recorded lines and all the time i got different reply. 

I call Cops and filed the complaint and give the complaint copy to Bank, Filled three times disputed forms. 
Two time bank fraud department told me you will get money in 1 week, I called after one week, they told me it is denyed, filed one more time disputed form. then i followed it, Fraud section told me they are working but you will get your money. 

I followed almost 10 times all are on recorded line, finally bank disputed section told we can't returned your money reason in I transferred electronically. 
But Same day i spoke to Bank asked them to cancel this transaction immediately because Agent is Fruad. 
I spoke to Agent 's Bank too but they told me go Cops which i did reported the complaint too.

I filed this complaint AIG office, XXXX XXXX but No action. 

I am looking for my refund from USBANK, because they didnt cancel when i asked but they told me after transaction we will file dispute and refund money. 

All conversation on recorded line on US BAnk. 

Looking for your help. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Email : XXXX Phone : XXXX ' Thanks

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 2023-06-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage lender pre-approved my application only to send me on a revolving cycle of confirming my financial transactions. They wait until my bills are due and make me verify my transactions all over which inhibits the closing process. Aside from that, the lender approved me for a conventional loan instead of a FHA loan to present more hurdles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure. 

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.

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 2019-03-15
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dont owe XXXX XXXX or XXXX this much money!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-09-20
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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

Complaint:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX 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 explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: TX
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:
Around XX/XX/2023 I received a call from a police officer of Louisiana, informing me of a vehicle under my name that was picked up during an arrest. I then filed a FTC report and filed a police report for identity theft. After checking my credit, I began disputing the unauthorized vehicles on XX/XX/2023. The first round of disputes to the bureaus no contact was made to me however, I contacted the auto credit union filed on my credit to also inform them, this was not my vehicle. They then stated they could not give me any information due to the vehicle being under my name and social but the phone number and address I can not confirm. XXXX informed me to dispute with bureaus and once disputed, they can file a remove. However, I have now gone through two rounds of disputes for each bureau and XXXX is still deeming the vehicles as accurate. I did not purchase or cosign a vehicle with XXXX in Louisiana, I do not even live there. XXXX is not helpful and are aware of this fraudulent account. I informed the officers I may know who the individual is that is opening the accounts.

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 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed claim # XXXX for {$420.00} with Bank of America on XXXX I was told the merchant had 45 days to reply I spoke to the merchant several times to no satisfaction I sent the merchant a picture of the reason for the complaint on XXXX The merchant then responded via text that the money was removed from their account and my request was granted. 
I then reached out to Bank of America several times even going into the branch 3 times to get no results. 
I went into the bank again on XXXX and faxed to them a copy of the text thread stating what the merchant said above On XXXX I called, they told me it was received but I still had to wait for fraud department to respond On XXXX I had appointment at the bank, the representative called and only got the same run around that I did Today XXXX, I still do not have my money or any updates. I am furious right now. I have done all I can on my behalf and still can not get a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please refer all my complaints about Keybank. My online access is not working and it has been complained in the past. But now Keybank sent me a new letter. 
It seems in this bank - nobody talks to anybody and nobody is aware what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been banking with ING direct for a long time to get best interest for saving account. ING direct have given us interest as promised never tricked. In XX/XX/XXXX, Capital one bought ING direct and converted our accounts to Capital One 360. They have been managing same way till XXXX. We got under the impression that they are doing the same as ING direct. In XXXX all of sudden they created another type of saving account ( 360 performance ) for better interest and brought down interest on this account without any information. We always thought what ever account we have is giving the best interest they are showing on their website. Only this year we realized that our account type is giving lowest saving interest. for the last 3 years we received lowest interest possible. We believe they purposeful did this trick by not informing. ING direct always very straight forward and maintain only one type of saving account. Capital One never bothered to inform when they introduced new type saving account. Like us lots of customers would have lost interest because of this trick. I have lost lots of money because of this trick by capital one. Can you please help us resolve this issue. Please let us know if you need any details to prove this Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is concerning Cash-App, I opened an account on XX/XX/XXXX, and then just like that on XX/XX/XXXX they stopped me from receiving funds into my account. I have submitted everything they requested ( ID, pictures, etc ). I have money sitting in the account that I can't accept money. So my account is basically frozen, and they are not giving me a reason or cause as to why. The account is still open and pending??? I don't understand what they are doing. And why they are dragging their feet. Again, I have given them everything they have asked for. This appears to be fraud to me because they are holding my money with no explanation to me whatsoever. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 an account that is not mine and inquiries that I did not authorize or make. The account in question is XXXX XXXX Account number : XXXX Opened XX/XX/XXXX. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. This account nor inquiries are mine. I am a victim of Identity theft and demand these items are investigated and removed.

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 2023-03-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act The following accounts XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX  account number XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They all have all violated my rights under the following ; 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Winklevoss Exchange LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
There funds wired transfer from my bank to Gemini Trust Company , LLC. total is {XXXX  during XX/XX/XXXX to the end of XX/XX/2021. 

and there are transactions from my Gemini Trust Company , LLC account to third party 5 digital wallets. 

These 5 digital wallets belong to scam cryptocurrency platforms/organizations/organized crimes/criminals. 



The know your customer or know your client guidelines in financial services require that professionals make an effort to verify the identity, suitability, and risks involved with maintaining a business relationship. The procedures fit within the broader scope of a bank 's anti-money laundering policy. 

Gemini trust company LLC are responsible for safe transactions. I, as a consumer, did not receive the service or promise that was promised or described by Gemini trust company , LLC.

I have tried to contract Gemini Trust company LLC to dispute these transactions but was ignored and not offered any assistance and my account is frozen.

However, I have report to the following Law Enforcement agencies : XXXX XXXXXXXX police department, report # XXXX XXXX Federal Commission Report # XXXX And FBI IC3 and will report to New York State department of financial services Again I am requesting to refund my fund, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- XXXX -- -- - XXXX XXXX XXXX XXXX XXXXXXXX

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