BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I came to a park to run, I left my wallet in my car and left the car for my run. When I came back I saw that the glass window in my car was broken and the wallet stolen. There were my id, debit card, credit card, some cash, and other stuff in the wallet. When I tried to realize what happened I received messages from my bank XXXX Bank of America ) that they detected unusual transactions on my cards. I didn't approve those transactions because they were fraud and logged in to my bank account to block my current cards and order new ones. It seems that I did everything what I could do to stop fraud. But one of the transactions on my credit card ( {$400.00} ) still left in process though I didn't approve it. During two seeks I made a few calls to the bank to make sure that they work on my case and return my money to the credit card. Finally, XX/XX/XXXX I received message in my bank account that my dispute was rejected. I called to the bank to know the reason and they told me because they connected to the merchant and the merchant ( it was XXXX ) confirmed that I received all the service on that amount. But I didn't receive anything, it was somebody who stole the card. I tried to explain that I didn't authorize that transaction and also asked the bank how it is possible that somebody could make a purchase on such serious sum of money using just card without additional verification ( like PIN ). They rejected my arguments and closed the case. 
My two major points : 1 ) I followed all steps bank requests in fraud situations ( I rejected not authorized payments and blocked my card ) ; 2 ) how bank allows to make purchases, especially on such quite big amount of money, just using a card without additional verification, it's absolutely unsafe. 
Please, help me with the situation and guide me what to do further. I hope I have some chances to get my money back because it's absolutely unfair. I am sure that what happened ( stolen cards ) is what can happen ; it's not something unusual unfortunately. I think bank should be prepaid for such situations and ensure that all unauthorized payments won't proceed without card holder awareness. The bank didn't apply any tools to keep my money safe. 

Thank you, 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 monetary relief
Consumer complaint received 2023-09-24
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
In 2023, I have received two Prepaid Mastercards from BlackHawk Network ( BHN ). 

The cards came to my email, XXXX, because I had requested them as virtual Prepaid Mastercards as they are convenient to use online. I am physically XXXX, needing a paid assistant routinely. 

The first card ( {$79.00} from XXXX ) had no issues. The second card ( {$48.00} ), however, has generated errors since XX/XX/2023. The error reads : " Oops. There's an error on our side. Please try again soon. '' ( see attachments ). 

The redemption code for the second card is : XXXX Instead of repairing their error, BHN has made both cards invalid now. 

According to XXXX / XXXX, many people are still seeing the same errors, not just me : XXXX XXXX XXXX XXXX Against my wishes, BHN claims : They had mailed two physical cards on XXXX XXXX XXXX 

To date, I have not received the cards. Had I wanted them as physical cards in the first place, I would have picked the correct delivery system on the original claim form ( see attachments ). 

I declined the slow mail delivery but chose much faster virtual Mastercards. 

BNH also wants me to provide my photo ID and my utility bill because I have not received the cards. 

I am not sure why BNH needs to have my private information and what they will do with the information afterwards. 

If I made any error at all, I would be willing to provide my name, my email address and my physical address only, the same information I had given to XXXX XXXX / XXXX to qualify for the Prepaid Mastercard. 

But, the error is entirely on their side, as the error message reads ( see attachments ), inconveniencing me beyond what was promised by XXXX XXXX XXXX XXXX when I qualified for the Prepaid Mastercard. 

According to XXXX / XXXX, XXXX is charging dormancy fees of {$5.00} per month for many people who can not access their cards due to the error on the BNH server, a double whammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I originally called mohela to set up an IDR payment plan through the XXXX  program. I make very little money and I was told my payment would be {$0.00} but then they started charging me my old payment amount through auto debit. I did not catch this mistake until XXXX. I called again XX/XX/XXXX and I was told they didnt have my original application for XXXX so we re did it and I was promised payments of {$0.00}. But then XX/XX/XXXX received notice I would be charged {$10.00} a month, even though I make less than {$1000.00} a month which I had been told would qualify me for {$0.00} payments. Each time I have to call them the wait time is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
According to FCRA I need this unverified address on Experian will not delete this address I have no relation to. I had XXXX XXXX XXXX XXXX XXXX IL XXXX that's not my address and Experian will not remove it and add my new address

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXXXXXX XXXX XXXX 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 furbish an 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 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
auto loan XXXX XXXX XXXX XXXX show account Dispute FCRA consumer disagrees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim of XXXX data breach, failed to remove negative debt. Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have not liable for the debt with CAPITAL ONE BANK USA and XXXX XXXX - XXXX I do not have a contract with XXXX XXXX XXXX XXXX  or CAPITAL ONE BANK USA and i was not provided with the original contract as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
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 fraud alerts or security freezes

Complaint:
Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.

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 2023-12-04
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: Information belongs to someone else

Complaint:
XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my Experian report due to inconsistent and inaccurate reporting.

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 2023-09-22
Company: Avant Holding Company, Inc.
State: AZ
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX is reporting inaccurately the amount of time the account has been 30 days, 60 days and 90 days past due as compared to Experian and XXXX. The firm in question is XXXX XXXX XXXX. This firm is also currently under litigation by the attorney generals of several states for illegal and unfair practices towards consumers.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: AR
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:
Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my Credit report that needs to be removed as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please provide me with copies proof of verification or any documents resulted from your investigation proving that these accounts and information belong under my name. If you can not provide me any documents, please remove the disputed accounts and information off from my Credit File

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 2021-04-26
Company: ENOVA INTERNATIONAL, INC.
State: MO
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 am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXX, NC FINANCIAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 there was two unauthorized charges on my account one for XXXX and one for XXXX on XX/XX/2023. I noticed these transactions were not authorized so I contacted my bank to submit a claim today on XX/XX/2023. I received back that my claim was denied. These purchases were not authorized by me so I would like to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CL Holdings LLC
State: IN
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:
When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified!

It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as e-Oscar, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus!

If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: AZ
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:
In 2017 my XXXX XXXX XXXXXXXX credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. XXXX XXXX XXXXXXXX keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by XXXX XXXX  XXXX to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. 
I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage has illegally retained the surplus in my escrow account the past three years. They use bogus escrow review analyses to estimate that my account will have a shortage, while in each of the last three years ( every year since the inception of my loan ), the actual data reveals a surplus. Per RESPA, Wells Fargo is required to pay out this surplus within 30 days, however since their erroneous analysis estimates a shortage, they don't pay. For three years, my surplus has sat in Wells Fargo 's coffers, in direct violation of RESPA. 

I have contacted Wells Fargo about this problem each of the past three years, but nothing has been done. 

I have attached a four page summary of my findings, complete with dates, amounts, etc. 

If you need any additional information, please don't hesitate to contact me personally, I am happy to scan in any documents that you request.

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 2022-04-29
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since 2009 Sallie Mae and Navient have put me in forbearance plans that have extended my private loans terms with very high interest rates I owed way more than I borrow my private student loans have not been forgiven because Sallie Mae and Navient put me in forbearance before I would default on my loans now there telling me I dont qualify for forgiveness as the most months I miss in payments was 4 months thats because they would put me in forbearance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Their investigation did not fix an error on your report

Complaint:
Please remove account XXXX XXXX XXXX XXXX {$550.00} from my credit report. The only accounts I have with this company are with the balances {$1200.00}, {$660.00}, and {$1500.00}. I will attach the letter from the debt buyer listing the 3 accounts. This other account you guys are reporting is not accurate and if it is not removed within 15 days I will seek legal action because this is clearly a huge error and violation of the FCRA. Please see the attached letter and my proof of identity.

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