BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts XXXX & XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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 was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. XXXX XXXX has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is FRAUD. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on XXXX XXXX for making false claims. XXXX XXXX knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked Experian, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to XXXX XXXXXXXX because I give my social every time because again I had no idea of this account, Ive never had a XXXX XXXX account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with Experian. XXXX XXXX  isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.

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 2023-02-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX bank XX/XX/XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX  not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have checked my credit report and saw that there are items appearing that need to verify because I am not aware where they came from, below are the items appearing ; XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and I wanted these items to be removed on my 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 2023-06-22
Company: Experian Information Solutions Inc.
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:
I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: MOHELA
State: GA
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:
Dealing with XXXX XX/XX/2022 I reached XXXX payments ( my form had been canceled ) XXXX I called multiple times and submitted another form and was told I would not transfer to Mohela. XX/XX/XXXX my 124 approved payments transferred. 

I called Mohela in XXXX and was told all was good and it would be discharged in a couple weeks. Its been 3 months and nothing has happened. 

Its next to impossible to speak to anybody there now. This process has been going on for 7 months. 

Another person went this route and suddenly the got a forgiveness letter from Mohela. Trying this because I dont know what else to do anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Unifund has not informed me. They only informed me of a lawsuit now that they reported to the CFPB. They come up with one letter that they tried to notify me that there was a debt. They have not clarified this debt they have not shown this debt is owed by me. They have not shown original purchase agreement that shows mileage, legal legally owned this debt by my original creditor of XXXX XXXX XXXX, I also request copies and statements from open to close from this account. I want to see proof that they are legally debt collector in my state. I want to see a copy of the bond that shows they legally registered in my state. Want to see a wet signature of XXXX XXXX  contract this debt was insured and paid off by XXXX XXXX  this debt is closed. Furthermore, XXXX XXXX  has arbitration. You can also be paid with notes in negotiable instruments. Simply stating a name and address and a phone number is not clarification of ownership of a debt show me a wet signature that will be clarification by law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Please refer to previously filed complaints : CFPB Case XXXX and CFPB Case XXXX This is my third and final attempt to resolve this amicably with Capital One. I am willing to provide a copy of my driver 's license, proof of residence, but I will NOT provide a copy of my Social Security card. If they continue to request that, I will be filing a complaint of potential fraud and potential identity theft with the Federal Trade Commission and the Office of the Inspector General. As stated by the Social Security Administration there is absolutely NO reason to present a copy of the physical card. They are adamant in the fact the actual card is not an " identification document '' and it should not be shared. I have attached both a copy of my driver 's license and proof of residence to have an immediate resolution of this issue. I have also attached documents from the Social Security Administration. Furthermore, it is a violation of the Privacy Act to deny individuals for their refusal to provide their social security account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
There is belief that my auto loan on XX/XX/XXXX of a XXXX XXXXXXXX XXXX XXXX XXXXXXXX had miss applied charges and wrongful fees applied to my account of XXXX over the last two years. Ive received guidance on making a payment in a branch or over the phone but I truly believe with countless amount of representatives over many of states my account has been miss represented and falsely informed with my payments having the proper handler. The original finance agreement is {$32000.00} with a payment due date of the last day of the month and a maturity date of 19 days post due date. In which i have managed to pay month by month in which is nearing 2 years now and I believe in the saying I just work here but through this case in such institution as a Wells Fargo bank, that should not apply. With money handlers and tellers working with financial standing, life savings, investments that should not compare to a cashier asking for payment for a bag of chips or a tank of gas. I am grateful for the loan but I greatly regret seeking assistance through Wells Fargo customer services.

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 2023-12-16
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I leased a XXXX XXXX XXXX. At this time, I signed up for automatic payments. 

In XX/XX/XXXX, the lease amount changed due to from what I understand as taxes, without notification and XXXX XXXX unenrolled me from automatic payments. 

In XX/XX/XXXX, I called XXXX and paid the XXXX payment on XX/XX/XXXX and reenrolled in automatic payments. At this time, XXXX verified I was reenrolled in automatic payments. The next month, XXXX again unenrolled me from automatic payment without notification. On XX/XX/XXXX, I called XXXX and discovered they added late fees and late payments to my record. At this time, I paid off the entirety and again reenrolled in automatic payments. 

At the end of XXXX, XXXX submitted this to the credit bureau and my credit score significantly dropped, as well as my 100 % on-time payment. 

I contacted XXXX about this and submitted a dispute on XX/XX/XXXX. However, it went unanswered. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2022, I went into my portal to pay my Capital One bill which at the time showed on the balance due screen a balance due of {$550.00}. I initiated that payment assuming that my bill was taken care of, however unbeknownst to me in XXXX I received an update from my credit reporting app that I had received a 30 day late payment from Capital One. After calling into Capital One to get clarification on why this payment was reporting 30 days late, I was told that the payment should have been {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I became aware of a debt I owed regarding an eviction that had been finalized by a court. I was told by the property management company that the debt had been placed with Hunter Warfield. At this point no record of the debt was reflected on any credit reports. I was told the total amount of the debt was {$10000.00} and set up a payment plan of {$300.00} weekly to resolve the debt. I had paid approximately {$6700.00} towards the debt when I learned that the judgement made through the court was capped at {$8000.00} due to local law and that the amount I was ordered to pay was {$8000.00}. I immediately contacted Hunter Warfield offered to pay the full remainder of {$8000.00} ( {$1300.00} ) immediately provided a copy of the final judgement, signed by a judge. I provided this document on XX/XX/2023. I was informed a review would begin on my account which was required to be decided no later than XX/XX/2023. I contacted Hunter Warfield several times during this period to check the status of the debt. When I contacted Hunter Warfield on XX/XX/2023 I was told that the debt would be removed from all credit reports and all collection attempts would cease no later than XXXX, XXXX. On XX/XX/2023 I acquired copies of all my credit reports and the debt was reported on each, with no acknowledgement of it's dispute status, reported with not only the higher incorrect total but with no evidence of any payments having been made. When I contacted Hunter Warfield regarding this on XX/XX/2023 they acknowledged the debt was outside the 30 day limit for dispute and asked if I was aware of any unlawful action they had taken. Hunter Warfield 's agent, XXXX XXXX # XXXX, repeatedly informed me that he was unable to and would not provide any written information regarding the debt, any payments that had been made or accept any payment to clear the debt. He informed me I was not entitled to any information regarding the debt and acknowledged the company was not legally reporting the debt. He refused to provide any further information. He stated that the debt was " not his '' and that he refused to provide information based on his lack of compensation for any money collected. When I contacted Hunter Warfield a second time another agent suggested that Hunter Warfield was willing to accept the larger, incorrect balance they reported to " clear '' the debt but that Hunter Warfield would not remove the debt, mark it as disputed, report any payments unless I paid the {$10000.00} they had incorrectly reported in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-02-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Contacted care credit to have XXXX fees waived, since I would like to pay the balance in full before the promotional time expires. CareCredit only provide me a {$41.00} credit out of {$130.00} in late fees. As a single mother, going to financial hardship, I saved up to pay the balance in full and I can not afford to pay for additional fees. $ XXXX {$35.00} and I am being charged $ XXXX {$49.00} a late fee. I am a full-time student who didnt have consistent income at the time, but still made payments and now Im in a position to pay the balance in full. I just can not afford to pay any higher than what I owe minus the 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 2024-01-03
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For years I have been paying XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX faithfully every month on medical bills. Because of that I have to remain sick because I am not able to pay the 20 % my insurance does not pick up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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