BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Please update the status of this account asap : Capital One XXXXXXXX Date opened XX/XX/2017 XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Blackhawk Network Holdings Inc.
State: UT
Product: Credit card or 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:
XXXX XXXX XXXX XXXX myprepaidcenter.com states that once activated " it can be used EVERYWHERE VISA is accepted. '' Come to find out this is not true. The statement made on their website is false! 

I tried to use it to pay for my hotel room they would not accept it even though they accept Visa in the same thing with our breakfast. 

I would simply ask that this agency require this site to change their literature to accepted " MOST '' places visas accepted. 

Or for XXXX to reimburse in cash or debit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: KY
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2023-03-17
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had logged into my account after a few months on XXXX XXXX  and noticed that my account said XXXX XXXX and realize that it said the crypto was XXXX XXXX and this is after they charged me for a gold package twice that I never authorized. I dont use cryptocurrency I went to my spending account and seen unauthorized transactions so I disputed them and I let them aware of the cryptocurrency that Ive never used so they put a restriction on my account after this I spoke with a few representatives, and they assured me that it would be handled and they get situations like this all the time so I was secure in the situation. I called back two days later and they still couldnt give me an update each time I log into the app it still says restricted and it keeps giving me a later date on when they will contact me. I have emailed them. every other day and all they said was theyll get back to me so after three weeks of calling a representative, I spoke with said he sees what happened and that he will get it handled and give me a call personally about two hours later, they sent me an email saying that my account has been closed and they didnt see anything that was an authorized or fraudulent with my account when I have only made small purchases, but deposited so much money into my account I have lost over {$20000.00} without so much of a reason why or how they came to this conclusion because the representative told me that there were several devices logged into my account a few from out of state other cities that werent mine and he told me that maybe because I login with my phone onto the app that it can be pinging from different cell towers and I assured him this was not the case. Now I am going through a financial hardship and it may be facing eviction with me, and my two children because of their negligence for not doing a thorough review and trying to figure out what is going on I also downloaded my data information that they collect and when I look at it, everything says non-applicable and that seems strange to me and Ive downloaded all of my statements from my spending account and my crypto account and a lot of the information does not add up I tried to help as much as I can. I gave them all the information I had and Im still left with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ongoing nothing settled, breach of contract not paying property taxes, unfair banking, ect. So much distress this is not addressed to, second complaint. Paying property taxes that they are responsible for., along with penalty 's. Constant notification from tax collector.latest one is upset sale, delinquent real estate taxes. Wells fargo should be held accountable

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Acct # XXXX Balance = {$770.00} Date opened XXXX Disputed this 3 times one online through XXXX app and also sent in 2 letters Most recent dispute sent in on date XX/XX/2022 This is a fraudulent account I have sent in receipts directly from XXXX to the credit bureaus showing I returned phone to store within 3 days of purchasing and they sent phone to collections stating i never returned Lastly I also contacted XXXX and still they have not removed from 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 2022-10-14
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 recently checked my credit report and I have seen XXXX accounts that I was unaware of and did not authorize. I have never lived at those apartment complexes and I don't understand how someone was able to open these lease 's in my name

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 no a knowledge of this account according to the FCRA This item must be removed

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The main reason for this submission is now over one year after closing our mortgage ( XXXX XXXX - Closing ) payment increased by {$490.00} due to an escrow account analysis showing a shortage in the account. I am aware some of it is due to roughly $ XXXX {$300.00} increase in homeowner 's insurance, however over the course of 12 months that only equates to a $ XXXX {$25.00} difference which in turn would not it's self cause this steep increase in our monthly mortgage payment as I have expressed. 

Originally it was disclosed for us to be paying {$220.00} ( {$1300.00} semi-annually ) for property taxes into our escrow account in XX/XX/XXXX when our loan closed. However, over a year later in XX/XX/XXXX, we received a letter of the increase that would be happening to our monthly mortgage payment due to the escrow account shortage of {$3300.00}. I called Wells Fargo customer service to discuss this escrow analysis they had done and their representative said my property taxes had increased when only looking at the analysis for a couple seconds ( XX/XX/XXXX ). Our conversation continued and she mentioned they doubled, which is an extremely unlikely occurrence. 

I contacted my title company on XX/XX/XXXX for the property tax certificate that was provided to Wells Fargo. They provided the Tax Certificate document dated XX/XX/XXXX that clearly stated {$2500.00} semi-annually. This would equate to {$420.00} that should have been disclosed to deposit into escrow for property taxes ( not including insurance ) leaving a monthly shortage over the first year of {$190.00} monthly for property taxes alone. 

Attached I have included documents from my county 's website to confirm that there was not a double increase in property taxes. 

XXXX - {$2300.00} semi-annually XXXX - {$2500.00} semi-annually XXXX - {$2400.00} semi-annually Due to this documentation provided Wells Fargo did not disclose the correct amount of property taxes during closing, to be accurate, they only disclosed 25 % of a year versus an entire year as detailed above. The underwriter should have noticed this and corrected prior to approving clear to close. 

Currently, we will be paying {$490.00} over our closing disclosure monthly payment for the next 12 months ( until XX/XX/XXXX ) and after this 12 month period still elevated at {$210.00} over our original payment amount all due to an error on Wells Fargo end to correctly and accurately disclose property taxes based on information given by the title company promptly during the loan origination process.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NM
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-08-16
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I attempted to transfer {$200000.00} from our KeyBank savings account to a Fifth Third Money market account on XXXX via a KeyBank Official Check ( copy attached ). On XXXX XX/XX/2023 we received a letter ( copy attached ) from XXXX XXXX informed us that our account was on temporary hold : Confidential information that check XXXX not be paid. In a XXXX XX/XX/2023 letter XXXX XXXX states : Reason for hold on deposit : Confidential information that check may not be paid by the paying bank. It appears from the letter that XXXX XXXX Bank is stating that KeyBank for some confidential reason XXXX not be paying the check, however we request that KeyBank investigate and provide details and clarification why the check was not paid. After all we paid {$8.00} to have this check processed by KeyBank and a very large sum of money was subsequently held from us for an unreasonable period of time. There is absolutely no reason why this information should be " confidential ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-24
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:
Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that XXXX XXXX the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Inland Debt Management
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I entered an agreement with Inland Debt Management to settle XXXX credit card accounts for a fraction of the balance owed. They set up an account for me to make payments into for paying the settled accounts. These payments were lower than minimum payments to the credit card companies which helped my current financial situation. I was told not to communicate with these creditors and to stop making payments to them. I made payments beginning XX/XX/XXXX through XX/XX/XXXX into this established account totaling {$8100.00}. Months have passed, now its XX/XX/XXXX and no communications from Inland DebXXXX so I called to check status of my account. I was told all was good and the more past due accounts were, the better their negotiating power to settle and more $ would accumulate in my account. They also requested all statements and correspondents from creditors which I gathered and sent that day. Later that day a letter came from XXXX offering a settlement at a greatly reduced amount which I immediately sent with a note stating they wanted a response by XX/XX/XXXX. On XX/XX/XXXX I received email acknowledging receipt of settlement letter. I received another letter from XXXX on XX/XX/XXXX stating since the account was not settled it was being forwarded to a law firm. I emailed this to Inland Debt on XX/XX/XXXX. I received a response on XX/XX/XXXX stating a negotiator was working on account and they would contact me. On XX/XX/XXXX I was served a summons as XXXX was suing me, which was forwarded to Inland Debt XX/XX/XXXX. I received response XX/XX/XXXX that negotiator would work to resolve situation. By the end of XXXX not hearing anything I called and asked to speak to a manager and was connected to XXXX XXXX. We had a few conversations and exchanged several emails and the end result was that XXXX was not negotiating and wanted full balance. He suggested we wait a while to revisit. I asked if contact was made with the other creditors to prevent this from happening with them and he told me they would make contact. I lost faith that this company could resolve anything. Since speaking with XXXX early XXXX, XXXX of the creditors they were to handle, contacted me and we settled for XXXX of the balance owed. The XXXX was mid XXXX and the other was this month ( XX/XX/XXXX ). When I asked if they had been contacted by Inland Debt, both stated they had not. Its been 17 months since initial agreement and they have not resolved XXXX account for me. I want to be refunded the payments I have made totaling {$8100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Public record information inaccurate

Complaint:
I contacted the courthouse and was told that they did not report a bankruptcy to the credit bureaus but yet all three bureaus are reporting it. I have disputed this issue several times with no resolution.

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 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in 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

Company response to consumer: Closed with non-monetary relief