BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-12
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the XXXX payment pause, my bank records indicate I paid {$34000.00} toward my student loans and the money was dispersed across the following XXXX loans : XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$24000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$6400.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$13000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$20000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$15000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$5100.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$3100.00}. 

The XXXX loans disbursed in XXXX and XXXX were completely paid off during this time. I have contacted MOHELA by phone 4 times and by secure message 4 times between XX/XX/XXXX and XX/XX/XXXX to request a refund of my {$34000.00} in payments. I specifically requested a response, in writing, indicating that MOHELA requested a refund for all payments made on all XXXX loans. In response, MOHELA provided in writing that they are only acknowledging the XXXX open loans disbursed between XXXX and XXXX in the request. They have specifically omitted the XXXX loans I paid off. 

The XXXX loans disbursed in XXXX and XXXX that were paid off during the XXXX payment pause were paid off while my loans were serviced by XXXX. ( My loans were transferred to MOHELA in XX/XX/XXXX ). I contacted XXXX to request a refund from them, but they referred me to my current servicer MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: AL
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:
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 adverse item of information, other than records of convictions 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.

I will attach a copy of my credit report showing inconsistent / inaccurate information throughout my credit report. 

Account Name ( 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 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  Because of the inconsistent and inaccurate information reported on my credit report I can not purchase a house for me and my family, I can not buy a new car to help me travel to and from work or appointments, and/or I can not apply for credit cards. The inconsistency of items throughout my credit report have to be accurate, timely, and consistent. I have filed reports with Identity Theft.gov, XXXX, and numerous other agencies regarding Experian, XXXX, and XXXX. I have asked for investigators names and have not received the information from either credit bureau regarding the items on my credit report. 

Delete all items above 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 explanation
Consumer complaint received 2023-02-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was charged almost {$5000.00} on my Victoria Secrets store card in the matter of 3 days. I have not used this card in almost 2 years and was alerted only because my credit score went down XXXX points. I called and spoke with Commenity Bank to alert them of the fraudulent charges and found out that my ULTA card was also compromised, as the thief 's requested a new card be sent to them on that account as well but, was unable to use that card as I've cancelled everything. These purchases were all done in XXXX Florida over 5 hours from me and escalated within three days. These assailants attempted to pay their {$5000.00} debt with my bank account. I was able to put a stop payment on it, but they attempted several times more to pay the bill. These assailants managed to change my physical address and email address, so I was never alerted until it was too late. 

These dates are approx. 

Date of first charge : XX/XX/2023 Date of last charge : PRESENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
XXXX XXXX  # XXXX Open date XXXX Experian-XXXX XXXXXXXX Date last payment XXXX Experian-XXXX XXXXXXXX XXXX 120 days late Experian- XX/XX/XXXX 150 days late XXXX XX/XX/XXXX 120 days late XXXX XXXX late Experian-XXXX  180 XXXX XXXX XXXX - ExperianXXXX XXXX XXXXXXXX OK XXXX XXXX Experian-XXXX XXXXXXXX OK XXXX Experian-XXXX XXXXXXXX OK Since XX/XX/XXXX to XX/XX/XXXX I have sent multiple letters. With no response back. 
Attempted to dispute online but was unable to upload any documents. 
Attempted to get thru on phone after being on hold for hours. 
As a XXXX work XXXX hour shifts throughout the pandemic XXXX XXXX XXXX then coming home to care for XXXX children. This has been emotional draining. 
These derogatory errors on my credit report are preventing me and my family from building our dream 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 2022-10-26
Company: Experian Information Solutions Inc.
State: NJ
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:
The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a checking account with Comerica Bank. The sole purpose of this account was to have funds available for automatic payments to a ( pending ) HELOC application. I deposited {$2000.00} to open the account. When my HELOC loan application was approved, they did not offer the credit limit that I had expected. I did not close on that loan offer and ACHed out my remaining balance in the checking account as it would never be used. Comerica has charged me {$69.00} in " overdraft fees. '' They have sent this to a collection agency and are negatively effecting my credit score. I have disputed this with the collection agency twice now with no response, only continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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, 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 an account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit account under an open-end consumer account plan as late payment for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have a credit card on my account from Capital One through XXXX. I worked to XXXX from XXXX XXXX XX/XX/2023 and I never took a credit card out. I also have one on my account that opened XX/XX/2023 from XXXX XXXX XXXX. The only credit card that I have is from my credit union. I had one from XXXX but I closed it out. I really need help getting these off of my account because this is messing with me badly in life. I am to that point in my life where I want a car of my own and to get a house but I can't because of these cards of my account having my score low. I was going to pay them out to see if that would help but everyone I talk to told me not to because I didn't make those purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or unauthorized. The following personal information needs to be corrected : Previous address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Also known as : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX In addition, I did not consent to the following unauthorized inquiries : XXXX XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Please remove these inquiries from my credit report. 

Furthermore, I have no late payments on the following accounts and request that the inaccurate information be removed : XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX and XXXX XXXX XXXXXXXX, Account Number : XXXX and XXXX XXXX, Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were involved in litigation with inaccurate high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late pays, charge-offs listed as open, and collection accounts with limits. Your improper practices have damaged my credit report and I request that you remove all these items from it. 

I appreciate your immediate attention to these matters. Please contact me with any questions or concerns. 

Sincerely, 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 2023-07-26
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Ticket ID : XXXX See below. I have reached out to the support staff several times. In response I usually receive elusive responses. I have screen shots showing that the maximum amount of XXXX I can sell is XXXX XXXX XXXX, it varies every day. I have attempted limit sales and the market rate mysteriously drops below my limit as soon as i post it. It is not a significant amount of money, but it's my money. I should be able to sell it at a market/limit price as i please. See email exchange below. 




Hi XXXX, Thank you for following up! 

After reviewing your account, I can confirm that there is no restriction on your account, you should be able to sell all your available XXXX. 

Please try to sell them one more time. If you encounter any issues when trying to sell your XXXX, please let me know so I can further investigate with our internal team. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Hello, I would like to liquidate the XXXX funds in my account but Gemini does not allow me to sell them. Currently there is a balance of XXXX XXXX. I would like to liquidate all of this and then transfer the money out of my account. Why is the XXXX sell limit only XXXX. I will lose a lot on gas fees. Can Gemini just buy back/credit/liquidate the QRDO then we will freeze my account. 




On XX/XX/2023 at XXXX? XXXX, Gemini wrote : XXXX XXXX, Thank you for reaching out! 

We apologize for the inconveniences that have been presenting up until the present time. 

I do see that you have funds in the earn program and Gemini is working hard to expedite the return of funds to you through XXXX bankruptcy. As we are unable to provide you with a specified time of when this process will be completed, as an alternative to closing your account, we can go ahead and freeze it until your funds have been returned. 

Please let me know if you want us to proceed with this option. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Good day, I have several small balances of alt coins I tried to sell. I want to liquidate everything and close my account. Currently Gemini has approximately XXXX of my money XXXX and is not allowing to withdraw it. I want my earn balance and XXXX if full. Currently Gemini does not want to return either in full. How long will I wait and when will I get my earn and XXXX balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Investigation took more than 30 days

Complaint:
I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting 2 different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate

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 2022-12-07
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation