BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureus Inc XX/XX/2016 {$800.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through experian.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates have annotated on my Credit Report for a bill owed by XXXX XXXX XXXX of SC ( XXXX XXXX XXXX ). I have no knowledge of the account, made an attempt to contact using the Account number annotated on Credit Report the Representative could not find anything. I am a XXXX Military personnel/XXXX XXXX XXXX Veteran. My Medical is covered by the Military/Veteran Administration. I relocated from South Carolina in 2018. I am requesting this erroneous annotation removed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Original complaint was summited against XXXX XXXX AGAIN accounts/ payments do NOT match what was submitted I'm not sure the purpose of CFPB if you don't do anything. MOHELA still has total count of payments wrong they advised me, that someone put in the wrong date?!? No worries its just a loan forgiveness. 
Contacted MOHELA on XX/XX/ and they advised me they would fix the payment count in 5-7 days I also uploaded my new certification cause i have 116 payments out of 120 SAYS 90 days to PROCESSS?????????? 3 Months to see if your loan is ready to be forgiven?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to get a hold of Capital One customer service inability to investigate a FRAUD have let me no option other than to contact the Department of Consumer Affairs and Federal Trade Commission. 

I sent to client who provided the shipper by USPS and delivered two day before purchasing let me wonder how did Capital One refused to provide me FULL CREDIT. No one from seller has responded to my emails and your employees have no clue who the CEO from Capital One is. The letter Capital One just sent me dated XX/XX/2021 with case # XXXX with XXXX tracking number is NOT even recognize by XXXX. XXXX has confirmed to me this is NOT a track number to me. So, Capital One did not even bother to contact XXXX or USPS even when I provided all this info and capital one customer service employees have no clue how to handle this FRAUD. 
I spoke with so many people at their customer service and refused to provide me an email address, however capital one sends me so many emails but I can't reply to them, why?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & Wells Fargo report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand Wells Fargo & the collection agency & credit bureau send me proof of the debt!

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 2023-08-13
Company: BMW Financial Services NA, LLC
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: NV
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:
It appears that a new contract unilaterally was created in private by Experian and XXXX XXXX because no one else has this alleged debt reported. XXXX and XXXX does not show this debt rathe shows no history since XX/XX/ for the debt was discharged and took note to the 1099c debt discharge document filed with the US Treasury IRS. 

The private property automobile was paid in full on or about XX/XX/. 3-603. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
So please provide to me how you are the only one [ 1 ] out of three credit reporting agencies reporting this as a debt allegedly and where are you getting this information or lawful facts as evidence as you state?

Also the identity of the claimant herein known as the owner and controller of said property has been leaked. As well reported to the State of Michigan, S.E.C., F.T.C. and other State Departments. 

Please note, Experian is the only reporting factor of this matter fraudulently for XXXX and XXXX show no report of this transaction at all. 

After payment was received be it rejected or not based upon law there is discharge and there is no fees or interest thereafter. 

According to the law 18 USCode 878 the reporting agency is attempting to extort the claimant by sending letters asking her to stop sending the claims to the CFPB but send it directly to them, as when she did this past XX/XX/ they claimed they did not know who she was and did not provide identification information! 

Experian also false claims on or about the debt being discharged or sold to a third party whereas the claimant has not given permission for XXXX nor Experian to use misuse or sell trade or give off her private information.

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 2023-03-16
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received mail from USPS from XXXX XXXX XXXX XXXX about the following : Creditor : PayPal , Inc . 
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. 

I have reached out to Paypal directly and they do not have any account number listed presently or in the past. I currently have an account with Paypal and it is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: OH
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:
The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. 

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to my consumer report I received dated ( XX/XX/2023 ) and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report and causing mental anguish. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME BY : TRANSUNION, XXXX AND 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 2022-11-12
Company: Experian Information Solutions Inc.
State: ME
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 XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX have 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 2023-09-18
Company: Experian Information Solutions Inc.
State: IN
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:
I filed a dispute about a collections account that showed up on my credit history. I have received no communication from the original company about a balance due. 

My dispute was opened on XX/XX/13 at XXXX, and was closed on XX/XX/13 at XXXX. The details from the dispute results note that the collections item was either updated or deleted. However, neither happened. In the comparison tool provided on the website, the dispute appears exactly the same. There is no additional information or change of status. As the only information I have related to the account is a lack of communication regarding the balance due, I can not provide anything for an updated dispute through the credit agency.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Account XXXX with XXXX XXXX  was fraudulently opened, and is causing me and my reputation personal harm and discrimination ( Per 15 U.S. Code 1681c-2 ). This account needs to be removed from my report within 4 business days.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
REF : XXXX XXXX XXXX XXXX XXXX  I CORRESPONDED WITH THIS COMPANY ON XX/XX/23 THEY HAVE NOT VALIDATED OR VERIFIED THIS ACCOUNT OR GIVEN ME ANY REASON TO BELIEVE THEY HAVE THE RIGHT TO BE REPORTING MY INFORMATION I DON'T HAVE A CONTRACT WITH THIS COMPANY OR THE ORIGINAL CREDITOR. 
THEY HAVE NOT SENT ME ANYTHING I MADE A COMPLAINT ALMOST 30 DAYS AGO WHICH THEY HAVE NOT RESPONDED TO EITHER PLEASE DELETE THIS ACCOUNT IMMEDIATELY FOR NOT VERIFYING OR VALIDATING THIS ACCOUNT OR RESPONDING WITHIN THE 30-DAY INVESTIGATION PERIOD BY LAW THEY HAVE TO DELETE THIS ACCOUNT FROM ALL 3 BUREAUS WHO ARE THESE PEOPLE I'VE ALSO RESEARCHED SOME CONSUMER LAW AND THE GRAMM LEACH BLILEY ACT ON THE FC WEBSITE THEY ARE IN VIOLATION OF AT LEAST 10 CONSUMER LAWS AND SUBJECT TO PAY XXXX IN FEES TO ME THE CONSUMER. 

I'VE ATTACHED THE COPY OF THE INITIAL DISPUTE SENT ALONG WITH THE TRACKING NUMBER THAT THEY RECEIVED IT OVER 30 PLUS DAYS AGO

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 2021-03-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/charge off in the amount of {$410.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I would like to report suspected fraud. Over the last week, several credit cards and mail from credit cards have been sent to my house for someone who doesnt live at my address. Ive rented this home for over two years and have just recently seen this name.

Credit related mail has been sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have several correspondences from XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX and a few unmarked envelopes. XXXX XXXX doesnt live at my address and hasnt at least since I moved in on XXXX XX/XX/2021. Ive also contacted the home rental management company and they have no record of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been struggling to keep up with my mortgage payments due to the pandemic. However I've never missed a payment but have been late several time. Bank of America is fully aware of my current financial situation. I made several request to their customer service department for a " late fee '' waver and was denied each time. If a customer is temporarily struggle to keep up with the payments but still manages to make the payment why not try and assist the customer instead of making it even more difficult for the customer. Bank of America is extremely difficult and refuses to work with their customer during this pandemic. Here 's the latest email that I received from BOA. 


" Dear XXXX XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your late charges. On behalf of Customer Service, I sincerely apologize for any inconvenience this may have caused you. 

We have reviewed your account records and determined the late charge fees totaling {$830.00} will not be waived. Per the terms of your Note, your payment is due on the first of each month and you have a 15-day grace period to assist with postal or any other mail delays during which payments may be received with no penalty. The balance has carried over every month on your monthly statement unit paid. ''

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 2023-09-18
Company: Experian Information Solutions 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:
My identity has been stolen and someone is using my information to apply for credit

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