BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX I began an external transfer of funds from my personal checking account with Capital One in the amount of {$400.00}, to my personal checking account with XXXX XXXX. I was told the process would take up to 3 business days. By the end of the day Friday XX/XX/XXXX funds were still showing pending. I called XXXX XXXX and was advised the funds could potentially be in the account that Saturday XXXX XXXX by end of day they were not. Monday XX/XX/XXXX I checked my XXXX XXXX account at midnight, XXXX and XXXX and funds were still not available. I began an all day back and forth between reps at both banks, managers and investigation reps who attempted to cancel the transaction to no avail. The status still currently ( on the end of the 3rd business day ) shows pending {$400.00} transfer on XXXX XXXX banking website. Reps show no record of a pending transaction on their end so I filed a claim with Capital One. Claim was processed allegedly, I have no claim number. I was advised that it could take up to 10 business days to determine if I would be provided a temporary credit for an undisclosed amount, but the investigation can take up to 45 days. I live on my own, have incurred past due bills and payments due to these institutions and their ignorance and lack of urgency. I feel I should have been granted my {$400.00} worth or lost funds upfront instead of in limbo. Its wrong and not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: CHARLES SCHWAB CORPORATION, THE
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I became the target of an elaborate and deceptive phone scam. The scammer, posing as XXXX XXXX XXXX from the XXXX  XXXX Police Department, falsely claimed there was a warrant for my arrest due to missed jury duty. They skillfully manipulated the situation, pressuring me into believing that immediate payment of {$1500.00} was the only way to avoid arrest. Trusting the authority of the supposed officer, I transferred the amount via XXXX to a purported XXXX XXXX, XXXX XXXX. 

Upon realizing the fraud, I took immediate and prudent steps to protect my assets. I promptly contacted XXXX XXXX at XXXX XXXX XXXX, explicitly instructing them to secure my account against any unauthorized transactions. Shockingly, despite their assurances, XXXX XXXX failed in their fundamental duty to safeguard my account, resulting in the unauthorized debit of {$1500.00}. This failure occurred even after I had clearly communicated the risk and urgency of the situation. 

My attempts to rectify the situation through proper channels, including reporting to the XXXX  XXXX Police Department ( XXXX XXXX. XXXX ) and XXXX, were met with a stark and distressing lack of support from XXXX XXXX. Their response was not only inadequate but also negligent, leaving me exposed to financial loss that could have been prevented with basic diligence and prompt action. This incident has not only resulted in a significant financial setback but has also shattered my trust in XXXX XXXX 's ability to protect their customers ' interests and funds. 

See attached documentation for further details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: NH
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete the below illegal accounts from my experian, XXXX, XXXX credit reports XXXX XXXX- 30 day late payment Bank XXXX XXXX account # 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 2020-09-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my mortgage on XX/XX/10 to find that there was no information about it on the XXXX website and it was paid in full. I have attempted to call XXXX 11 times and sent 2 messages asking where my loan was sold to. I am unable to get to a representative and the automated system is not helpful and disconnects me. I have no idea where my loan was sold to and was not notified as required by law. I need assistance to find out where my loan is and how to pay it.

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 2023-12-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
About 5 month ago someone start charging money from my checking account, I've noticed and called to file a complain, bank closed my account and opened fraud case. On XX/XX/2023 I received letter from Citi Bank stating that investigation is complete and permanent credit was applied to my account, I called to the bank and they said they send a check for the amount of {>= $1,000,000}, I did not receive money and called again, they said that they got the check back, we checked the address and found out that they put wrong apartment number ( instead of apartment # XXXX they put Apartment # XXXX ) someone in the bank made a mistake, because before I received my debit card and other correspondence to the correct address, after that conversation, I called every week, no one was able tell me where the check, I went to the bank a few times, branch manager told me that he will find out and will call me. He did not call, I went again, he said they shroud have send by now and he does not understand why they still did not send money is still there on some reserve ledger. Manager said they he send 5 emails with questions to proper department, No answer.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: GA
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

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 2023-12-03
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX permanently closed my account without providing any reason, and despite my continuous inquiries over the past XXXX years, they have not offered an explanation for the closure. I am frustrated by the lack of transparency, as I am confident that I did not violate any rules or terms of service. Despite my efforts, the account remains closed, and I am seeking resolution to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
On XX/XX/23 I checked my credit report, and I noticed numerous inaccuracies on my credit report. I sent a letter to all XXXX bureaus, and they have not removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: MI
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:
I've had XXXX hard inquiries that were not authorized by me on my XXXX XXXX credit score from JPMCB ( Chase Bank ) on the following dates : XX/XX/2023, XX/XX/2023, XX/XX/2023. 

I have never had any type of credit card or account through Chase Bank, nor have I applied for any new credit cards through Chase. These inquiries were never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have not supplied proof under the doctrine of estoppel by silience engelhardt v. Gravens ( mo ) XXXX XXXX XXXX presume, that no proof of the alleged dept nor therefor any such dept infact there for exists,

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on 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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
An acct was opened without my consent debit and a credit car application

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received a recent email from EXPERIAN advising that my XXXX /EXPERIAN credit my been dramatically reduced by them. 
I spent over a XXXX XXXX on the phone with requesting an explanation for this action. 
They refused to provide me with an answer to my question. 
Instead they hung up the phone on me!!!! 
All I'm asking is for a simple reason why my XXXX  credit score was tossed into XXXX  by them ... ... ... ..a specific reason why and NOT a canned answer. 
Something caused EXPERIAN to XXXX  and destroy my credit ( score ) and I would appreciate the courtesy of a legitimate, valid answer. 

They REFUSE to give me one.

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 2023-09-01
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I completed a wire transfer of {$9900.00} on XX/XX/XXXX to Coinbase. I then exchanged the funds for Bitcoin. I then submitted an ACH transfer of {$2000.00} to Coinbase from my bank account. On XX/XX/XXXX the exchanged bitcoin was requested for withdraw to my personal wallet. 

Coinbase would not process the withdraw and asked for my ID. I submitted my ID. They did not process my transaction. They requested my ID. I submitted my ID. They did not process my transaction. They requested my ID and a Selfie. I submitted my ID and a Selfie. They did not process my transaction. They froze my account. 

I have since been completely shut out of my account with no support provided. They tell me to upload my ID, selfie and a handwritten note all in one picture with all legible and in view while also taking the picture yourself at the same time. Despite this completely ridiculous requirement for someone with only 2 hands, I submitted the requested photo in compliance with the request. 

They did not unlock my account. 

They requested the same exact thing again. 

I did it yet again, and successfully uploaded it to the link provided. 

They did not unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.

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 2023-12-02
Company: Experian Information Solutions 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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2019-01-31
Company: ENCORE CAPITAL GROUP 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:
XXXX  you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, XXXX, and TransUnion. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a Victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have fraudulent inquiries on my credit profile that need to be removed immediately.

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