BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : 2ND INCOME 3. The following personal information is incorrect Account Number : EMPLOYER : RETIRED 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 5. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this 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 2022-06-15
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, 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking litigation

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 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One N.A. regarding the closure of my accounts ending in XXXX ( Savor One credit card ) and XXXX ( Walmart credit card ). I believe that the bank 's decision to close my accounts was unreasonable and unjustified, as it was based on the assumption that the account activity was not consistent with personal, family, or household purposes. I assure you that both of my accounts were solely used for family and household purchases, ranging from groceries and streaming services to restaurants. 

In their letter dated XX/XX/2022, Capital One cited their concerns about my account usage as the reason for closing my accounts. However, I admit that there was an incident involving a fraudulent transaction due to my mistake of using a sketchy website ( s ), which led to my card being compromised. The bank conducted an investigation, and the resolution was in my favor, indicating that it was not considered first-party fraud. 

If Capital One believed that the fraudulent activity was indeed first-party, I should have been provided with the evidence they found and given an opportunity to defend myself. I would have submitted my hospitalization records from XX/XX/XXXX to XX/XX/XXXX, which show that I was recovering from a XXXX during that time, proving that I was not involved in any fraudulent activity. 

In light of the above, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in having my accounts with Capital One N.A. reinstated. I also request that all evidence used in the decision to close my accounts be included in the result letter, as I believe that I am entitled to transparency and a fair assessment of my accounts, considering the circumstances and the lack of evidence supporting their claim. 

I have attached copies of relevant correspondence and documentation to support my complaint, including the letter from Capital One, and transaction history demonstrating the account usage for personal, family, and household purposes. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: National Credit Systems,Inc.
State: TX
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 XX/XX/2021 a letter was sent to XXXX  asking them to verify the account National Credit systems XXXX XXXX XXXX. On the same date I also requested for the investigation done to determine the account is mines be sent to me as well in which the Creditor has not done so still to this day. XXXX  is the only credit reporting agency who continues to report this creditor although they have violated my rights covered under FCRA laws. With each dispute I have sent they keep changing information that theyre reporting. XXXX  has a copy of my Identity theft report, my police report for identity theft, and my complaint with the office of the Attorney General as well, yet they are still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into a Covid forebaerance and I was granted 3 months this started in XX/XX/2020. When the plan was up the but the small amount onto the back end of the loan and advised me to start making my new payments. My loan adjusted and the payments went up over 4,000 per month. I was told to submit a modification package to see if they could help lower the payment. I requested the modification and sent in all the papers. The first time I submitted they came back saying that the mortgage was ineligible because the current unpaid principal balance on my loan was higher than the program limit. I did a appeal asking why you had me submit a modification and wait over 50 days to hear this answer. I received the appeal response and was told try again in 30 days. We submitted again and then got another response stating that based on the delinquency of the account they could not modify my loan. They knew the delinquency yet still put us thru another review. We were called several times and told to resubmit again we also received letters asking up to resubmit our Mod. We did this several more time at the request of SPS. Each time would drag out the process 30 or more days. I sent a letter to SPS request Why I was not given the right answers and also why they kept asking me and sending me packages to submit for a Mod but they would not respond. Under each plan that would be offered I was turned down for with only a short line response. I requested the full investor guidelines for my review and I requested the proof that the investor had turned down my requests. They also did not do the correct income figures which was 4000 less than my true income. I want all phone records as that way I can prove how many times they asked me to submit a Modification request. I was given the run around for months. SPS would come back and request More and More documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: TN
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, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

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 2021-08-30
Company: Carvana Group, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX XXXX entered into a consumer credit transaction with CARVANA, LLC on XX/XX/2021. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer transaction. The finance charge does not include cash, but Carvana, LLC took cash. The Finance charge is suppose to include insurance, but Carvana, LLC made me purchase insurance separately and I am currently making monthly payments to cover any future damages to the vehicle which should have been covered. Carvana, LLC also violated the Securities of United States by altering the contract by taking security interest in proceeds and insurance policy by form of alteration. 

XXXX XXXX XXXX, c/o Carvana, LLC is civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )

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 2022-06-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received my new Citi AAdvantage Platinum Select card in the mail on XX/XX/XXXX and when I attempted to add it to XXXX XXXX on my XXXX, my account was placed on a fraud alert. I was able to resolve it ( albeit after calling four times ) with customer service and things went well until XX/XX/XXXX, when I attempted to add the same card to XXXX XXXX but on my watch. This triggered the fraud alert again and I was forced to wait until the following week before it could be unlocked. In my conversations with customer service, they attempted to use my cell phone number and my home phone number, neither of which worked. This is strange because my cell phone number has always worked when signing into my account from my browser or from my app. 

I attempted to add my card into another XXXX XXXX wallet on XX/XX/XXXX, and my account became restricted under the fraud alert once again ( are you detecting a pattern here ). I called customer service, and the previous methods of my cell phone number did not work once again, even though after the second time, the representative assured me that my cell phone number would work in the future for verification. I emailed the Citi Executive Response Team on XX/XX/XXXX to escalate the issue and I called them again for follow-up on XX/XX/XXXX. They transferred me to the same fraud department that failed to resolve my issue the first time around. This department unsurprisingly failed to resolve my issue again, which is why I am escalating the case to the CFPB. 

I escalated the case in the first place to the Citi Executive Response Team because even though I was told I was to receive a letter which contains a verification code, that letter never appeared in my mailbox and I do not have confidence that the letter solution will work this time either. I have been stuck without the use of my card for the past two and a half weeks, which is absolutely unacceptable. No other bank with whom I have done business with has given me such a hard time about this, and the lack of responsiveness is unacceptable and absolutely infuriating as a loyal Citi customer. I have given Citi with more than enough information to verify my identity, and there is no reason as to why a simple fraud alert should be causing so much difficulty.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 2021-01-28
Company: TD BANK US HOLDING COMPANY
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, TD AUTO FINANCE add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

SEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am contacting to possibly receive the best guidance for relief from a Private Student Loan obtained on my behalf, unbeknownst to me, by XXXX XXXX XXXX XXXX in XXXX, Virginia in 2005. During the enrollment process, the language was streamlined to convey obtainment of federal financial aide to cover tuition costs. I was unaware that the loan obtained was gained from a private lender. I now have {$12000.00} in interest being charged for a loan to a school that I ended up finding out had no accreditation, for which none of the credits can be transferred to any accrediting university. I am willing to pay a fair price for the loan since I completed XXXX  XXXX  at the school, however, I am open to a pathway to loan forgiveness since the process was disguised and the very few credits I obtained are useless. I've attempted to gain contact to the private lender to discuss this matter directly, however, Navient- who has custody of the loan is unwilling or unable to give me this information and doubles down that there is nothing else that can be done. I'd like to issue this complaint against Navient, however, the more direct complaint is to the Private Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
Please refer to attached documents for detailed information!

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!!

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )

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 2022-06-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I asked Paypal Extras Master card if they could lower my payment or dissolve the debt because I can't afford it. I had gotten my Paypal extras master card in XXXX when my credit was bad so I had a high-interest rate, the bill was always higher due to 23 % interest. I had the master card and managed to use and pay it down different times if you look at the history. 

Since then I closed the account and have tried to pay it but I don't make the same amount of money anymore and I explained that to them the last time I sent them a complaint. Last month I paid it on XX/XX/XXXX which it was due on XX/XX/XXXX and they marked my credit report, and my score has gone down. I can not afford this high payment and I don't want my score to go down either, I already have asked to be able to work something out, by calling the number on the letter attached that was sent to me. The agent said I was already on the lowest payment possible and there was no other plan she could do. Gas is high and I am a single mother with a lot to pay for. I do my best to keep up with this card and I want to get rid of this debt so I have been paying it. 

Is there any covid debt resolving programs XXXX XXXX is offering or some sort of settlement that can be reached? This is my second time trying to protect my credit and telling them I can not afford this debt with everything going on. I would like a lower payment or at least a XXXX grace period to give me time to make the payment and not ruin my credit over this. My account has been enrolled in the zero-interest payment since XX/XX/XXXX so I am not sure why the attached letter says it was going to enroll me because I have been enrolled with the {$170.00} payment. What I am saying is right now this payment has become out of reach for me.

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