BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Requested a transfer of {$XXXX} from capital one account to an outside financial institute, XXXX checking on XX/XX/2022. Money was removing from my capital one account but was never received at receiving bank. I have tried on several occasions to resolve this matter but was told its no longer our problem. They will not place a tracking on the transfer and have told me that it is up to the receiving bank, of which has no information on it. I have yet called again to Capital One today to be informed that they have closed the complaint, but there is no resolution on the notes, of which they will not share with me. My bank, XXXX, has tried to locate such money but is unable to because they did not preform the transaction. No deposit or transfer has been made to my XXXX account, per XXXX. Money was never received. XXXX asked for a tracking number, of which capital one will not provide to me or my bank. Therefore, my {$XXXX} is missing and capital one will not track or find it. I feel that Capital One has stole my {$XXXX} and has refused to give it back. How can something like this happen and how can an institution of that size get away with ripping people off. I would like my money back with all the interest that has accrued. XXXX at an end as to what to do. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION / XXXX XXXX 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 furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: General Motors Financial Company, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below: XX/XX/2018XX/XX/2018I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. XXXX XXXX refuse to remove the debt is still owed and also show account as charge off. XXXX XXXX has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XXXX XXXX XXXX XXXX is still reporting the same information to my credit report. On or around XXXX XXXX, XXXX I sent XXXX XXXX by Priroity Mail # XXXX XXXX XXXX XXXX and received on XXXX XXXX, XXXX to settel the matter XXXX XXXX XXXX did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX. See Attachment

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 2022-11-16
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted XXXX XXXX and they do not have anything of a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I'm trying to report a fraud/scam of XXXX XXXX XXXX XXXX XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. 

They asked me to pay this amount through XXXX. I asked them if there is a link that I can pay online and they said no. They gave me their XXXX phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. 

Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal XXXX account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted WellsFargo, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. I respectfully request you investigate in this matter and eliminate this corruption practice. Best.

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 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BEING A LONGTIME CUSTOMER TO THIS BANK I WAS APPALLED. I disputed transactions in regards to my account being used in some type of XXXX XXXX. transactions that I did not make. I disputed on XX/XX/XXXX on XX/XX/2023 i was denied. I want my funds back that were taken and improperly used. I want a reinvestigation and while they are doing that i want my provisional credit so i can pay for my daughters tuition. i have had too many issues with this bank locking me out of my own funds not adding up now missing funds over a years worth being taken over and over.Im going to start a class action suit and ill be reaching out to the XXXX as well and the XXXX if i have too. Ive had enough of sitting on the phone for hours, being locked out of my own money countless of times. Im having XXXX XXXX XXXX over this issue. and will be seeing a doctor next week to confirm its stress over this bank.

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 2019-12-04
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

XXXX. XXXX XXXX  account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX account # XXXX Have violated my right! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: LA
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:
15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines i.e. last verified, date of last activity, date reported, date opened, dispute status, account status. EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT!! The account is in charge off status but it is still reporting I have a balanced owed that is not possible if the account has been charged off on the companies profit/loss statement. This is also another FCRA violation and also tax fraud in the eyes of the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Klarna AB
State: WI
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 made a purchase from XXXX on XX/XX/2022 for {$500.00} under order # XXXX. The order never shipped, so I cancelled the order, however, I was still charged for this purchase from Klarna and the full amount was deducted from my checking account. I contacted Klarna and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact XXXX to resolve the issue with them. I then contacted XXXX and was told that they notified Klarna of the cancellation and Klarna is responsible for the refund of my order and that I would need to contact Klarna for a refund. Klarna and XXXX need to talk to each other to get this resolved. Neither company is taking responsibility and I would just like a refund of my {$500.00}. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX SXXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.

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 2023-02-14
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: Personal information incorrect

Complaint:
There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, EQUIFAX, XXXX, and XXXX are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using Venmo for a long time without issue. Small sales, Rent payments, the normal things. I own a small sign company, am working on a sign for an XXXX XXXX in XXXX XXXX Michigan in my home state. XXXX XXXX Sent me {$710.00} for the payment to produce and install the sign. I do have a business account also attached to my venmo account. In the comments section, he stated new sign. Upon receipt, I logged in to complete an instant transfer as I have done many times in the past and it said it could not be completed. I tried again, no luck. I removed my card, re-added it and still no luck. I called Venmo, explained the same details and was recommended to remove the card and add it again. I said I already had and they informed me that it can take a little while for the system to update but I could make a standard withdrawal to my bank account on the account. I said it had not been verified and they said verification only applies to funding not withdrawals. I initiated the withdrawal, received notification via email that the estimated arrival to my Bank. In the meantime, Venmo 's site informed me that my Venmo XXXX would be expiring soon and I should order a new one, Did so and it is actually arriving today. 
Within minutes of all of these transactions, I received an email stating my account is temporarily frozen. I responded to the email asking why and have had no response. I called back and was told I could not talk to anyone and had to contact them VIA email. I have since, received automated messages, asked for explanation and have yet to get a response, Venmo has not requested any information and they have actually verified my bank account all while being frozen. I have talked to whom I was told was Supervisor with no resolution, have been told that my Ticket # XXXX has been escalated and I should have a response in 7 days. These practices are criminal in the electronic world today. I need my account restored or funds returned to the sender. 
Desired Settlement : I requested the money be returned to the Sender and they told me that can't happen because my account is now suspended and still give me no reason as to why or any resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted complaint before but the case gets closed before I get an answer. I didnt have a call or email from flagstar rewarding my complaint. 

The government is paying my mortgage monthly payments by Department of Economic Opportunity of Florida with the Home Owners Found ( HAF ) and it will occur during a 18 months period. 

The problem is that Flagstar Bank is not accepting the payment of this month. I called them every single day since 4 months before this complaint several times a day and I always get different answers, different information and non consistent responses, mostly they dont really know what Im taking about. The only think they confirmed was we received the payment but we dont know how to apply it. 

Please help me!!!!

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