BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: EQUIFAX, 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:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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:
On XX/XX/XXXX and XX/XX/XXXX, XXXXXXXX XXXX  agreed to TERMINATE and DELETE all security interest, sharing and furnishing of an account opened with my credit financial information ( personal identification information ) due to fraud as a result of IDENTITY THEFT. I was given given several guarante by XXXX of Resolutions Department of said furnisher that all Consumer Reporting Agency ( CRA ) that they XXXX XXXXXXXX has shared my information with has been contacted and information will be deleted. 

On XX/XX/XXXX I contacted CRA TRANSUNION regarding said information been reported by upgrade which I disputed with TRANSUNION as FRAUD and IDENTITY THEFT and supplied appropriate supporting documents. XX/XX/XXXX. TRANSUNION informed me that XXXX XXXXXXXX VERIFIED the information as of XX/XX/XXXX to be ACCURATE and CERTIFIED true. 

I reach out to XXXX XXXXXXXX on XX/XX/XXXX for clarification regarding the respond from TRANSUNION to which I was inform they have deleted the account as of XX/XX/XXXX. This contradicts their reporting of said account and the statements been generated showing the account is still active even though it was closed and sold to a third party debt buyer as of XX/XX/XXXX. The account is still showing activity and still been furnished to CRA ( s ).

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 2018-04-08
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the most crooked debt collection agency on earth if I could sue them I would. I have never been to a hospital and they are saying I owe this amount for hospital stay or something. They have said go to hospital or police to prove. How can I prove if there is no record of myself. I have explained to them that it is wrong person. I have not received any documents from them proving that I was there or that they have any solid proof this is my debt. Thus far all they have is my name and ssn. That being said anyone could get that and claim anything. Where is the proof. I have contacted numerous times by mail and phone. Every time its the same thing they say it is my debt nut give no to clear it up. I have offered to settle for a lower amount if I can get in writing that it will be completely removed and not reported anymore or at least paid in full as agreed. They will not reply or hardly answer phone. If I could get the states attorney ear I would I am sure this company is shady in the way they do business and report. I have never been to a hospital and I owe a hospital a debt. How is that? So they have my number put a false claim on me and extort me for money this is what is going on here. I need in writing a settlement agreement with in writing complete removel from credit report or paid in full or paid as agreed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: IN
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 sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.

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 2022-03-31
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:
I XXXX, XXXX XXXX submitted the attached dispute to Experian on XXXX XX/XX/2022. 

Upon review of my rights and reports I submitted a dispute to the credit bureaus requesting that the listed accounts in the attachment on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents for each of these creditors, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out of having my information shared.

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 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am making this complaint because Capital One is refusing to provide me with information about unauthorized withdrawals from my checking account amounting to {$800.00}. 

On XX/XX/XXXX, two unauthorized transactions occurred at an ATM at a XXXX in XXXX. In each unauthorized transaction, {$400.00} was withdrawn from my checking acount, totalling {$800.00} in withdrawals. 

Shortly after discovering the unauthorized transactions, I informed Capital One. On XX/XX/XXXX, the company said that it had begun an investigation of my claim, which was assigned the number XXXX. The company provisionally refunded the {$800.00}, and later decided the claim in my favor on XX/XX/XXXX. 

However, Capital One has refused my repeated attempts to obtain information about how the unauthorized transactions occurred and what actions the company is taking to prevent future such thefts. 

On XX/XX/XXXX, the company responded to my first request for information about the incident by saying " this is not something we are able to provide for approved claims. '' In a subsequent phone conversation, a Capital One representative submitted on my behalf a second request for information. But on XX/XX/XXXX, the company once again denied my request using identical language, with no additional explanation. 

Capital One 's opacity in this regard suggests the company is attempting to conceal its inability to adequately address security vulnerabilities that are leaving consumers open to thefts like the one I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: WELLS FARGO & COMPANY
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
On my Wells Fargo credit card there is a charge for {$2500.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not made this purchase. I do not recognize what this purchase is for. I have not given the credit card information to this merchant. I have not received anything from this merchant. Regardless, for some reason the disputing functionality does not work on wellsfargo.com and I need this to be disputed. Hopefully someone via this channel will be able to help. I have noted the transaction on attached screenshot.

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 2021-06-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax, XXXX, XXXX. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report.

US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: GA
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:
How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without (  a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!

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 2022-03-31
Company: Westlake Services, LLC
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:
Am a XXXX XXXX XXXX retiree that inquired about one specific vehicle on a used car lot XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. I did not sign a consent for credit to be run. I was verbally told by XXXX XXXX, salesperson, that I was already approved to buy the specific vehicle, which was a used XXXX XXXX XXXX. I specifically told this salesman to not apply for any kind of loan, but just use this approval. He agreed, said I was for sure approved and asked that I send 3 months of bank statements and proof of income. These were submitted online to him ( have kept emails ) and I was awaiting for finalization of deal on XX/XX/2022 for pickup no later than XXXX or XXXX ( substitute teach and working on XX/XX/XXXX ). I called on XX/XX/XXXX and was told by XXXX XXXX, that 'sorry, we sold car to someone else and forgot to call you '. I subsequently have been receiving XXXX to XXXX letters a week in the mail from multiple loan companies that XXXX XXXX XXXX took it upon themselves to apply to WITHOUT MY CONSENT. It is now XX/XX/2022, close to XXXX weeks after which XXXX XXXX apparently ran my credit on XX/XX/XXXX. XXXX, I contacted Credit Bureau XXXX XX/XX/XXXX and they put a 'fraud alert ' on my credit report. I called XXXX XXXX XXXX a little over a week ago and he not only did not apologize, but basically expressed that he did not care -- expressing that the XXXX loan letters for weeks on end is what they do, and did not care that I did not consent.

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 2022-08-25
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Co L Account number XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha 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 2023-10-20
Company: Trident Asset Management, L.L.C.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: MI
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:
I provided proof that this company with the account number XXXX was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( XXXX XXXX : ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE AUTO FINAN XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to refinance and was told to not make my XXXX payment as I would be bringing it to closing. I contacted them by phone during the month of XXXX to get an update and was told, again, to not make the payment. On XX/XX/XXXX I emailed concerning my payment. They got back to me within the following day and said that yes, things were taking longer and I was to make the payment. I made the payment on XX/XX/XXXX. The week of XX/XX/XXXX they sent me an email telling me that they were denying my refinance application due to bad credit score. I then checked my credit and saw that it had fallen over 100 points due to my XXXX mortgage being late. I called the mortgage company to find out what happened. I asked how they could tell me not to pay until it was considered to be a late payment and then turn my application down due to bad credit that was their fault due to their actions. My mortgage rep told me Sometimes that happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Navient Solutions, LLC.
State: NC
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:
I first noticed 90-day delinquency on my credit report- reported on XX/XX/XXXX for XX/XX/XXXX. I paid the past due balance on XX/XX/XXXX to quickly remedy the issue and prevent any more delinquency reporting to my credit. I called customer service several times after making the payment to understand how this was the case. After a couple weeks of reviewing email communication ( they never mail me anything ) and comparing it to the correspondence uploaded onto my online Navient account. There are SEVERAL documents that they are claiming that they have sent to my address, but I can assure these documents were neither mailed, nor emailed to me. The uploaded documents only show that a letter was generated, but does not show any proof that it was truly mailed. One document I was specifically looking for was a notice that my deferment was ending. My deferment was approved until XXXX, I did not receive any correspondence stating the deferment has ended sooner than XXXX.

Company response to consumer: Closed with explanation