BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Capital One Bank committed security fraud, by accepting XXXX XXXX credit card, and making multiple trust acts with XXXX, XXXX, and other corporations that Capital One created agencies with through advertisement, which caused Capital One Banks breach of fiduciary duty, in malice. SEC Rule 10 b-5 Capital One Bank malfeasance in public office during XXXX XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX I spoke to a lady named XXXX  XXXX And was told that there is no or never have been a XXXX form for me and that the only thing I can to is pay cash

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MI
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:
To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXXXXXX XXXX is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by 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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX XXXX XXXXXXXX has violated my rights. 

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.

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 2023-08-26
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
XXXX Discrimination & XXXX in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. 
This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2023 a late payment was issued and Suncoast Credit Union did not walk me through to setting up automatic payments. In audio transcripts since XXXX no one has walked me through a process that is not easy. The procedure is very difficult to do and they never said it involved me NOT logging in to set up automated payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
REQUESTED WIRE TRANSFER OF {$60000.00} TO XXXX XXXX  TO START A E-COMMERCE BUSINESS, TRANSFERRED THE MONEY VIA WIRE TRANSFER FROM MY ACCOUNT AT WELLS FARGO TO XXXX XXXX ACCOUNT ALSO AT WELLS FARGO. THROUGH MANY DEVELOPMENTS AND SEVERAL PROJECT MANAGERS AT XXXX XXXX  AND NEVER RECEIVING WHAT WAS PROMISED INCLUDING REVENUE IN THE FORM OF 70 % TO ME 30 % TO THEM, TO DATE I HAVENT RECE IVED ANY COMPENSATION AND REALIZED THIS WAS A SCAM. CONTACTED MY BANK WELLS FARGO AND WAS TOLD THERE'S NOTHING THEY CAN DO TO RETRIEVE MY MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Loan amount : {$30000.00}. Account opened by EOS CCA in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to EOS CCA. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a Judge, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to EOS CCA as evidence and they have not responded to this date. It's been 4 months since I've sent the documents. Still am waiting for a response. 

EOS CCA purchased an account, that should never have been sold as it was in interest only deferment ( I was still within 6 months of graduation when this loan was bought by EOS CCA ). The other student loans that were accrued before and after this debt was sold have all been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Top line reporting has reported an account on my transunion credit report without my knowledge or consent I want this removed immediately as it is violation of my consumer rights that must disclose consent before reporting to my credit bureau 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 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Even though I had met the minimum balance requirement to avoid a maintenance fee, Bank of America still charged me a maintenance fee. I would like a refund of all maintenance fees.

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 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I've tried to use this digital prepaid card on XXXX, XXXX, XXXX, XXXX and none of them will process the order. They keep saying that the card company has declined and to check my funds. The card had {$26.00} on it, and there are now XXXX {$.00} pending transactions from XXXX ( maybe authorizations from adding it to XXXX XXXX? ). Those are the only transactions I can get to process and I don't even know where they came from. Even if I try to spend only {$20.00} of the funds, the card is still declined. I just want my {$26.00} reward from XXXX to be accessible. It was supposed to be a visa, but I got stuck with this sucky amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Block, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
A new cash card was ordered from Cash App that was received on XX/XX/XXXX. The name on the card was not my name. It was changed and this action was not changed or requested to be changed by me. When Cash App Customer Support was contacted on XX/XX/XXXX, the Cash App worker, named XXXX stated the following, " When you order a Cash Card, the name printed on it is the legal verified name associated with it. We do not issue new Cash Cards to update printed names unless there was a printing error or f you've has a legal name change. '' I informed XXXX that the name on the new card was never used and is an illegal name that was not used on this account or changed by me. XXXX then stated, " I can see that you used an ID with that name on it to verify this account when you created it If you want to get a card with your correct name, you will need to send your own documents for verification. '' When I asked XXXX for a copy of the ID she claimed she had on file and that was used, I was denied the information. 

NOTE : When the Cash App account was created in XXXX, I was never asked to submit an identification card for verification. Nor was any identification card ever submitted or asked to be submitted by me during the duration of this account. Only information required by Cash App to create the account in XXXX was my name, address and a phone number. I had three previous XXXX XXXX XXXX with the correct name ending in XXXX that I had in XX/XX/XXXX and prior ; then card ending in XXXX from around XXXX to XXXX XXXX ; then XXXX XXXX ending in XXXX from XXXX XXXXXXXX to XX/XX/XXXX, I submitted a completed Cash App direct deposit form to an employer on XX/XX/XXXX that is electronically pre-filled by Cash App, all with the correct name. The account name was fraudulently changed by Cash App without my knowledge or consent. 

Attached FTC Fraud Report. 
Attached copy of Cash App XXXX XXXX form dated : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TX
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 am writing to file a formal complaint against XXXX XXXX XXXX a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report.

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX. Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-06-27
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 XXXX XXXX account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: CA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: OH
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-06-27
Company: Experian Information Solutions 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: 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-06-27
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-01-27
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Date : XX/XX/XXXX amount : {$60.00} Date : XX/XX/XXXX Amount : {$76.00} Called the company on XX/XX/XXXX, to discuss credit card bills that I did not open. There were two different credit cards with the same company. Company told me to report it to www.identitytheft.gov. I was told not to pay anything. I am worried that someone out there has my information to open credit cards and destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NE
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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