BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to dispute a 30-day late payment on my credit report that is being reported by Experian. The late payment is for a XXXX XXXX credit card account with the account number XXXX. The date of the late payment is XX/XX/2022 I believe that this late payment is inaccurate because I made the payment on time. I have attached a copy of my payment receipt as evidence. 

I am requesting that you investigate this matter and help me to get the late payment removed from my credit report. I am entitled to do this under Section 15 611 of the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if you could investigate this matter and help me to get the late payment removed from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
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 XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 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 2018-03-23
Company: QUALITY ACCEPTANCE LLC
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: Account information incorrect

Complaint:
XX/XX/XXXX I sent a letter to Quality Acceptance LLC disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to Quality Acceptance LLC again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: VA
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, XXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-03-12
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and ProtectID that these " collections '' are only hitting the XXXX XXXX. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours XXXX XXXX XXXXXXXX CST which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NH
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:
Multiple unrecognised and unauthorised 'soft ' enquiries on my personal credit file. Experian has not responded to several ( mailed ) requests for additional information about this access, as well as the 'permissible purpose ' as required by law.

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 2023-03-07
Company: CBC Companies, 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: Public record information inaccurate

Complaint:
My credit was pulled by a 3rd party and they stated a bankruptcy appeared on my credit report. I would like that bankruptcy removed off my credit due to I obtain a letter from the bankruptcy courts stating they never report information of any source to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Wednesday, XX/XX/2023, I applied for a Capital One platinum credit card and was approved. The following day, Thursday, XX/XX/2023, I tried to set up an online account, but received a message stating that I already had an existing account. I have never had a Capital One account, so this raised a major red flag. I hit the forgot username password, and the Capital One system prompted me to type in a verification code that would be sent via text, but I noticed the number listed was not my number. Then, I received an email with a username that I did not recognize at all. So, I called Capital One and explained to the what happened and I have been a victim of fraud. Capital One informed me that they will closed the account that someone previously signed up for with my information. Capital One informed me that this person had a checking and savings account set up. I'm not sure if they have credit cards or other accounts with other institutions using my info. I am assuming they got my info last year, when my cell and bank account was hacked. If I had not applied for a credit card with Capital One, then I probably would have never known, until I received my credit history or credit report trying to make a big purchase like a vehicle or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This company did not provide me with the original application or contract bearing my signature like I asked. This company are violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company have also, no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Therefore, this company is unlawfully reporting this debt under my name to the credit reporting agencies, and must be removed. I am on active military duty status. I have rights under 15 U.S.C 1681. Transunion is govern by 15 U.S.C 1681. They have violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : I have the right to privacy and i did not give Transunion written permission to furnish these accounts 1.account : XXXX XXXX XXXX XXXX date : XX/XX/XXXX Amounts : {$7000.00} 2. Account : XXXX date : XX/XX/XXXX Amounts : {$620.00} 3. Account : XXXX XXXX  Date:XXXX Amounts : {$890.00} 4. Account : XXXX XXXX XXXX XXXX Date:XXXX Amounts : {$240.00} 5. Account : XXXX XXXX XXXX Date : XX/XX/XXXX Amounts : {$510.00} 6. Account : XXXX  Date of inquiry : XX/XX/XXXX 7. Account : XXXX Date of inquiry:XXXX 8. Account : XXXX XXXX Date of inquiry : XX/XX/XXXX 9. Account : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Account : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX XXXX date of inquiry : XX/XX/XXXX XXXX. Account : XXXXXXXX XXXX date of XXXX 13. Account : XXXX  XXXX Date of inquiry:XXXX  14. Account : XXXX XXXX  Date of inquiry:XXXX 15. Account : XXXX Date of inquiry : XX/XX/XXXX XXXX. Account : XXXX XXXX Date of inquiry : XX/XX/XXXX 17. Account : XXXX XXXXXXXX Date of inquiry : XX/XX/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 2022-11-17
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning last XX/XX/XXXX, I began the process of looking into either a standard refinance or a partial cash out refinance with Navy Federal Credit Union. 

I used their portal, and after receiving the estimates of what payments and APR would be authorized and paid for a credit report.

That began a nightmare odyssey for me and my wife. They have now had our credit reports done 4 separate times by them, the MLS agent responsible for us dissappeared for weeks or months with no returned phone calls. 

I had authorized them to have access to my accounts for verification purposes, but after over a month of no contact I wrote them and revoked in writing that access. Yet every day I am notified of them accessing my accounts including my government pension account from when I was a prosecutor. 

About a month ago I received a call from them, ( new agent ) saying that they had messed up one our social security numbers and needed to run credit again. I asked for what, he told he it was for a product that we were not even applying for. 

They have damaged my credit, they have and are continuing to, in violation of state law, invading my privacy by accessing my accounts. Then today I received a note from them that we were being denied credit from them for not providing information, yet we WERE NOT applying for a product and had told them multiple times to shut it down. 

There was a brief moment, after 7 documented un returned phone calls, 3 electronic reach outs, where we were able to connect with XXXX XXXX, NMLS # XXXX. She was supposed to righting the ship. However it nearly 7 weeks later when another agent called to offer us another product. XXXX then failed to return multiple phone calls. 

So to receive this letter and to continually see my accounts being accessed, feels very wrong and I am asking for help. 

Navy Federal 's response to me has been they are inidated with a large amount of applicants. That's not an excuse. 

Please help. 

Thank you-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: WELLS FARGO & COMPANY
State: MN
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:
CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
WELLS FARGO CARD SERVICE has been marked as a CHARGE OFF On my CONSUMER REPORT. 
I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.

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 2023-04-24
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I already reported PNC bank last Friday but it disappeared... I said I didn't encounter the such case where the installment loan balance is variable. My balance is {$15000.00} and my first payment is scheduled for XX/XX/XXXX but every time the balance goes up now it's XXXX I would to understand what happened I know PNC is a great bank but steal the citizens money like that is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: UT
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 recently been informed that there is a negative information reported by Equifax, XXXX XXXX XXXX in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The funds in our account in the amount of {$1900.00} were withdrawn on XX/XX/2023. We contacted the tax department that had levied our account. I was told by the tax department employee that she had instructed Bank of America to hold the funds until she had reviewed the file. She then informed Bank of America that they should issue a check to the tax department for {$300.00} and the balance should be deposited back into our account. This was handled within a week of our account being levied. I was assured by the tax department that Bank of America had received all information they needed to deposit the money back into our account. 

Bank of America did not follow the instructions they were given and mailed a check for the entire amount of {$1900.00} to the tax department. Once the tax department received the check with the incorrect amount, they returned the Bank of America check back to them on XX/XX/2023. I have contacted the bank at least 25 times to find out why our money has not been returned. I've been told mostly that it's because they can not return the funds until they receive the check back. It's a Bank of America check written by Bank of America. I've asked them why they can not issue a stop payment of their own check. I've been told they can not do that. Today is XX/XX/2023 and the funds have still not been returned to our account. Of course, every time I contact Customer Service, they have to talk to the Legal Dept and half the time the answer that comes back from the Legal Department does not make sense. How can a bank keep a customer 's money because of an error the bank made?

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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-05-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been over charged draft fees and was being charged by a company for years though I asked for that to be stopped. Constantly being over charged

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 2022-04-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit age is not reflecting correctly

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 2019-11-03
Company: Experian Information Solutions Inc.
State: NY
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:
Experian Credit Protection auto-renewed on a credit card that I paid-off and tore up without notifying me on XX/XX/2019 ( I did later find an email announcing the charge ) for {$150.00}. My credit card switched me to online billing and did not notify by mail, phone, or, email. My credit report showed five late payments unbeknownst to me and it ruined my near-perfect credit rating. I even keep several thousand dollars in savings at the bank that ruined my credit for an unknown {$150.00} bill, which I paid immediately ( the account number isn't even correct on my credit report and I suspect they charged an older card ). I submitted two good faith letters to the credit union XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XXXX XXXX ) with no response.

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