BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 initiated a dispute for a transaction that was billed to my account on XX/XX/XXXX in the amount of {$140.00}. The credit card issuer sent me a letter, dated XX/XX/XXXX saying that if I had wanted to continue the dispute, I would need to send a statement saying that I didn't receive the service provided and a brief description of how I tried to resolve the dispute with the merchant. 

I faxed this information ( attached ) to the credit card issuer ( Capital One  ) on XX/XX/XXXX ( fax confirmation attached ). On XX/XX/XXXX, I received a letter ( attached ) from the credit card issuer ( Capital One ) saying that they are unable to assist me further. I am not satisfied with the response from the credit card issuer ( Capital One ) because the merchant ( XXXXCapital One Travel ) in dispute is a company that is directly operated and owned by the credit card issuer ( Capital One ) and I never received the goods or services from this transaction through no fault of my own because the service was cancelled by the operator prematurely without any type of notification to me at all. The credit card issuer has a responsibility to protect the consumer especially when the company in dispute is operated by the credit card issuer and the service was never provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: Winklevoss Exchange LLC
State: NY
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 opened an account with Gemini three years ago. Since that time I have purchased XXXX and other types of crypto. I am unable to log on to my account. When I try to log in it says they will send me an email to reset my password but it doesnt work. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 Account # : XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT 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 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 explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXXXXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM.

So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL

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 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX, {$550.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 
XX/XX/XXXX {$5000.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 

XX/XX/XXXX - I contacted Bank of America fraud dept and started a fraud claim. 
XX/XX/XXXX - I received a letter stating the claim was not approved. Reason was " we found it was made by an authorized user or someone you gave your online password to '' XX/XX/XXXX - I spoke to BofA fraud dept Supervisor XXXX XXXX and was told to fax the rejection letter to reopen claim. I did so. 
XX/XX/XXXX - Spoke to XXXX and Supervisor XXXX. Didn't see request to be re-opened by XXXX. She said she would re-open request. 
XX/XX/XXXX - Received rejection letter from BofA stating " They didn't receive approval from payee to reverse the {$5500.00} transferred into their account. We recommend contacting the person sent the funds '' We don't know who they are! 
XX/XX/XXXX - Was told claim was denied again, due to the me being affiliated with the outgoing account. Call XXXXXXXX XXXX Fraud dept and ask about the account. 
XX/XX/XXXX - Spoke to XXXX XXXX  fraud Dept. They confirmed NO accounts are in my name, SS #, etc. They had no info on the transactions. 
XX/XX/XXXX - Called BofA fraud Dept ( XXXX ) and told her about XXXX XXXX  response. I asked for documents to support BofA finding. No documents were ever received. 
XX/XX/XXXX - BofA fraud supervisor ( XXXX ) told me claim was still under investigation. 
XX/XX/XXXX - BofA XXXX  couldn't see on her side if a decision was made. She filed a complaint. I asked for a supervisor. She said one would call me back. Never received a call. 

XX/XX/XXXX - I submitted a Fraud claim with the EDD XX/XX/XXXX - BofA ( XXXX ) transferred to fraud dept. On hold for XXXX. 
XX/XX/XXXX - BofA XXXX ( wrong dept, transferred ), XXXX ( wrong dept, transferred ), XXXX XXXXSupervisor can't pull up info ( Transferred ), XXXX XXXX wrong dept, transferred me even though I asked for a manager ), XXXX ( prepaid claims ) passed me to Supervisor XXXX XXXX Re-submitted claim. Said we would be contacted in XXXX. 

XX/XX/XXXX - Was transferred multiple times, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( card/account was closed ) she reopened it. Passed to supervisor XXXX - Claim Denied again. She asked for letter to be faxed from XXXX XXXX stating I didn't have an account with them. We requested documents to support rejection. 

I'm being given the run around. I never authorized the transactions into any account. I never changed my deposit account. Some outside person/group must have hacked their system and changed my info. Then transferred the funds. 

Please let me know what addition info you need.

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 2022-11-10
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted a complaint to your company on XX/XX/2022 regarding issues with my current loan servicer Mohela. The complaint ID XXXX. The only response provided from Mohela was " more time was needed ''. My loans transferred on XX/XX/2022 with the required number of qualified payments ( XXXX ) from XXXX. The response provided my Mohela doesn't make any sense. My employment ( XXXX ) and payment history was already verified from the previous servicer ( XXXX ). There's nothing for them to do... but to process it for forgiveness. Now, I'm approaching 3 months in waiting with Mohela to process forgiveness. I have only been able to speak with a customer service representative once. That was in XXXX. I was told by the supervisor that my loan would be processed for forgiveness within a few weeks. I've made several attempts to call customer service again. However, I don't have hours on end to wait and listen to a pre-corded message that doesn't allow you to ever reach a person. 

I don't understand why am I waiting for loan forgiveness when I qualified for it in XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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 reason for this, is to dispute all 11 an unauthorized inquiries on my credit report. 
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX - ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied w
ith my 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NC
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:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 
XXXXXXXX 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 2023-04-25
Company: Experian Information Solutions Inc.
State: MO
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:
On my fourth endeavor i would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. These are the items i am complaining : XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$8000.00} to my friend using XXXX from my Bank of America account. The money was never recieved by her. I made a non-fraud request for further information and was told that they " could not retreive the money from the recipient ''. I know the reciepient personally and no attempt was contact her. She is also a Bank of America XXXX  and never recieved the funds. I need to know what happended to my {$8000.00}, I work hard for my money. The bank at no time tried to find out what has happened. 

CLAIM NUMBER # 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 2023-04-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I wrote to Equifax these addresses be deleted from my credit report. To date, I have not received a reply or any acknowledgment that this has been done. In my previous request, I ask that my 100 % accurate information be reported on my credit and request a reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello. 
My name is XXXX XXXX I have problem with my paypal account, can't send funds from my paypal card My account ID : XXXX Why this is limited? i have send all documents what you want, and you don't reply now on account. 
I want an account appeal Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank Home Mortgage made a change to the above account ( Account Information section ), related to the Second mortgage, and a XXXX XXXX XXXX. ( See attached XXXX ) I contacted US Bank Home Mortgage , directly , on XX/XX/22, and asked them to provide, in writing, what change US Bank Home Mortgage made to the account and why. I was told I would receive an emailed response from US Bank Home Mortgage by XX/XX/22. I did not receive a response and had to contact US Bank Home Mortgage again to request the status of my request. I contacted US Bank Home Mortgage again on XX/XX/22, and XXXX ( US Bank rep ) informed me that I would receive a response within the hour. I received an email from US Bank on XX/XX/22 that contained only a XXXX XXXX to Note. There was no direct explanation or detail as to why US Bank made the change to my account. 

I respectfully ask that your office investigate.

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 2022-11-09
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:
Upon checking my credit report, I notice an account from XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

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