BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian 's web site and customer support services are completely unacceptable and inaccessible. I've tried to freeze my credit with Experian multiple times by using their webiste and calling their customer support. 

Their website sign up process only sends me to an error page. It sends you to this error page only after you've provided your information, including your full social security number. When you hit that error page, it directs you to a XXXX number where it gives you instructions to go to the website, or to mail them your personal information. You can not speak to a person. 

If a company that monitors American 's credit and is allowed to impact citizen 's lives in such a substantial way can't operate a website in a way that instills faith that they take that responsibility seriously, they should be put out of business.

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 2023-12-18
Company: EQUIFAX, INC.
State: OR
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:
I am writing this letter to address the delinquent accounts listed on my credit report. 

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 For Equifax : XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2018-12-31
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/18 someone used my XXXX  XXXX  card number ( card was not stolen ) to make 2 purchases at XXXX in XXXX XXXX NY one for {$15.00} and one for {$170.00} both cleared on XX/XX/18 after i had already called XXXX  XXXX  from finding it online at there website. why they can not stop payment needs to be addressed, they canceled my card and sent a new one about 5 days later, they also sent a fraud questionnaire which i returned on XX/XX/XXXX. along with a police report from the XXXX. over the next 23 days i kept calling and they kept saying they have not received my letter and nothing could be done as far as a provisional credit for my account.i informed XXXX XXXX  personal every time i called that i have been completely out of money ( i mean not even a dollar bill ) since the XXXX of XXXX. calls made on the XXXX. on the XXXX a XXXX XXXX  lady said ; we received your letter on the XXXX but that is 2 days past the deadline for a provisional credit. note ; ( on the XXXX. XXXX  XXXX said they had not received my letter yet. ) i told the lady i can not control the mail and it is the holidays so it may have been a day or 2 at most delayed and your going to tell me i will half to wait until the investigation is finished before giving me the credit! she said ; we can not control the mail either, can i help you with anything else. i said yes, you guys can do what your suppose to do and credit a persons account not make some excuse about the mail being late.later that same day a man from XXXX XXXX called named XXXX he said he received my request for expedited case, i said today, he said yes, i said a lady from XXXX XXXX  did that back on the XXXX 4 days ago. he said we received your letter but there is no postmark on the envelope, i said you can be sure the letter inside has a date on it. he said i will try and get this information to the investigator on Monday the XXXX. i asked him if that person works in the same building, he said yes. i said you have got to be kidding me, he's in the same building and you can not walk over to where he is and give him this information. i told him the entire story from the XXXX of XXXX to now, he said ; i will see what i can do today, i said i would appreciate that. it is now XX/XX/18 and my account still shows XXXX  balance and both fraudulent charges still appear on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This letter is to inform the company mentioned of the inconvenience due to the data breach of my personal information, which led to my identity being stolen. A report was made with the proper bureaus regarding this situation, in the year of XXXX and XXXX. With that now mentioned, a request for 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 attach 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 these illegal accounts from my credit reports. Look forward to hearing from you. Thank you for your cooperation.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-11-16
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: Account information incorrect

Complaint:
I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results. 

They need to delete these under my name since I don't know the said accounts.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
They are violating of my consumer rights by reporting an accurate information inaccurate information on my credit report that the other bureaus have deleted and removed. 

I have a touch document showing my proof

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 2023-04-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contrary to the records held by Wells Fargo Auto, I, natural person XXXX XXXX XXXX, am the original creditor for the transaction involving the XXXX XXXX XXXX on XX/XX/XXXX. Wells Fargo Auto received the authority to be a creditor through the extension of my open end consumer credit plan via my credit card. As the card issuer, I issued my credit card to Wells Fargo, where this organization became the cardholder, for the purpose of obtaining property. As the original creditor, the vehicle has already been paid in full by I, XXXX XXXX XXXX, via the finance charge.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: IN
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 have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant anxiety and distress

Company response to consumer: In progress
Consumer complaint received 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX XXXX credit card with Capital One, and have accumulated over XXXX miles for travel. Today I signed into my account to set up a miles transfer to an airline. I was able to log in to my account after signing in with my credentials and the 6-digit code Cap One texted me as part of their dual authentication process. However, when I landed on the Rewards page to set up the miles transfer to the airline using the " Convert rewards '' button, I received an error message saying, " Looks like we don't have the necessary contact info to complete a security step. '' This message in itself is a lie and deceptive, as that exact phone number is what was used for me to receive the 6-digit code from Cap One in order for me to access my accounts. This error message only appears when I try to set up a miles transfer. I called Cap One and the representative told me their system has an " issue '' and miles transfers have not been available to cardholders since XX/XX/XXXX- that's almost one month! I follow a page on XXXX for this credit card, and there are cardholders who stated they have been able to set up miles transfers recently, so I don't understand why I can not. This credit card costs {$390.00} annually and it advertises a cardholder 's ability to make miles transfers to airlines. Since I am unable to, I feel their advertising is deceptive and it is unfair for me to be unable to make miles transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
XXXX XXXX is reporting my personal financial information to the National Credit Reporting Agencies : XXXX, EQUIFAX XXXX XXXX as well as reporting my insurance information and transaction history to multiple providers without my knowledge or consent. They have also reported Bankruptcies in violation of the FCRA. I have been severely damaged and been kept from accessing my credit when I needed it the most! During the Hight of Covid I wasn't able to get my XXXX loan nor a small business loan because according to the lenders information reported to the major CRA 'S was provided by this junior CRA that I'm only just learning about! Why did you do this? Who paid you to report this and who told you it was okay to damage me and interfere with my ability to get things done for my personal, family and household purposes. You have broken the law and I demand remedy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-21
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:
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.

The letters are stated with items and issues. 

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 2023-04-11
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
At my work email I got the following email below the line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- We've permanently limited your account 1 message Zelle XXXX Tue, XXXX XXXX XXXX at XXXX AM Reply-To : Zelle XXXX To : XXXX Zelle Logo. 
Your account has been limited Recently we have limited your access. 

Possible unauthorized account access. 
Unresolved buyer disputes or credit card chargebacks. 
We need some information about you. 
Click the button below to secure your account and regain access. 


Secure My Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IN
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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: In progress
Consumer complaint received 2023-12-15
Company: EQUIFAX, 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2023-11-10
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have bee trying to make a payment with XXXX  but my money keep getting reversed back to me. I have checked my account and routing number but they are fine. I keep reaching out to the loan department but nobody ever picks up the phone. I will be sending over all the transaction the school has reversed as well. Now I'm about to be 3 months behind because of there system. Please help as I have tried everything except this. 

Thank You!

Company response to consumer: In progress
Consumer complaint received 2023-11-13
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
In XXXX of XXXX I reached to the account manager XXXX XXXX at Navy Federal to discuss Accounting on the account. Previously I made all payments to the auto loan from a personal account with another bank to Navy Federal. I realized that in addition to accepting my payments, XXXX XXXX Navy Federal were also illegally transferring payments from the business savings account that I had also established at Navy Federal prior to financing the car in XX/XX/XXXX. Once I realized this I called and spoke with XXXX XXXX as the appoints rep for the car account. After discussing the matter, requested the original car contract and all accounting on the vehicle which the bank found difficulty in providing. They then provided a titled promissory note that was day to late XXXX of XXXX with an unrecognizable signature. Since discussing the contract and accounting with XXXX XXXX in XX/XX/XXXX I sent several letter requesting informations and details to resolve this matter. I've called several times over months and did not respond to any letters or messages or phone call i made. On XX/XX/XXXX my car was repossessed by a third party hired by XXXX XXXX and Navy federal. I was not made aware of the car would be repossessed and could not again get in touch with him or anyone who could discuss my concerns until the following week. Under Navy Federal, XXXX XXXX XXXX has violated the law and my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2023-10-05
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:
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 XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 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