BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$6400.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$160.00}.

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am writing to address your egregious lending practices, which are a clear violation of federal law. Referring to 15 USC 1602, I am now fully aware that I am the CREDITOR and that you have taken advantage of me as the fiduciary. Your actions have knowingly violated several lending practices, which is a blatant disregard for consumer rights. 
Under 15 USC 1611, I hold you criminally liable for your willful and knowing violations. You have knowingly deceived me on what was being requested and failed to disclose that you did not have proper documentation, and conducted deceptive practices. Your actions are completely unacceptable and will not be tolerated. 
You provided no insurance or documentation to waive, and failed to provide any information on educating consumers about their option to rescind. To make matters worse, you reported two account numbers to the credit bureaus, which is a clear violation of consumer protection laws. 
As a result of your deceptive practices, I will be exercising my rights under 15 USC 1691. Your actions have caused great stress on me and my family, XXXX XXXX XXXXXXXX and negatively impacting my livelihood and relationships. These effects have been documented with the Veteran Administration. 
In accordance with 15 USC 1681, I want to make it clear that you took advantage of me, deceived the IRS, conducted deceptive practices with the Credit Bureaus, and were NOT forefront with the CFPB. Your actions are not only illegal but also morally reprehensible. I demand that you take full responsibility for your actions and make restitution for the harm that you have caused me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a cashapp card for years. A few months ago I had locked my card on the app and then I tried to unlock it to begin using the card again. However it would not let me. I then contacted support MULTIPLE times over the span of MONTHS. No one would ever tell me why or get back to me. I finally got a response today stating that the decision is final and they could not give me a reason. I never went negative, never made any suspicious purchases. I did not do anything to just have my card closed on me like this. Then to take months to get back to me and then tell me its a final decision and I dont even know why in the first place is ridiculous when I am the one who locked my card initially. This seems like scamming, fraudulent behavior. I have copies of all transactions and balances to show I have no nothing worthy of just being closed with no response for months or answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Problem with personal statement of dispute

Complaint:
Transunion is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX and XXXX all of which require both : background check and credit score. 

Transunion is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.

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 2021-05-31
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Information belongs to someone else

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX. Please remove ASAP.

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 2022-12-31
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: Personal information incorrect

Complaint:
i previously disputed this incorrect personal information back on XX/XX/22 then again on XX/XX/22 as well as XX/XX/22 and XX/XX/22 with this reporting agency here i am again because no changes were made to my report about this information I have been completely ignored by Experian in all of my attempts i have full proof to show that this info is still reporting incorrectly as well as inaccurately and has not been changed attached in this complaint is that info

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NC
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 a victim of identity theft please remove this fraud inquiry 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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2022-09-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Phones were removed from my account did your from cell phone was stolen wallet ID they use my cell phone to access my account and change my password do you access to my account and withdraw money the bank is refusing to help me theyre saying that it didnt happen but yet they still received and gave me a payment for some of the money but the large portion of it theyre denying me the funds of Ive tried everything to resolve this with his bank its the most crooked bank Ive ever tried to do business with they also offer a {$300.00} for opening your first account with them I open my first account with them set up direct deposit and the amount of what they said it needed to be and theyve got to release those funds to me as well this bank is very very toxic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions 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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: In progress
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 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 2022-12-31
Company: Park Hill Holdings
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
15 US Code 6801, Improper use of public information, which was used as a only factor in an application with XXXX XXXX XXXX XXXX XXXX to which is not paid or factual if found other by other Than the consumer. Friends family, public records etc, is not valid pursuant to 15 US Code 1681 A4. as a living woman XXXX XXXX have come to extend my credit as it is my legal right.

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 2020-09-24
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 WELLS FARGO DEALER SERVICES WELLS FARGO DEALER SERVICES, XXXX XXXX XXXX, XXXX, CA 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 2023-12-08
Company: Experian Information Solutions Inc.
State: MD
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 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 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 2021-05-31
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( NAVIENT SOLUTIONS LLC ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to Navient, I got a call and a " bill '' from XXXX XXXX XXXX XXXX XXXX claiming to collect on the debt that have already been paid. I called both Navient and XXXX to let them know the debt has been paid in full and yet XXXX continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, Equifax and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.

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 2021-05-31
Company: National Enterprise Systems, Inc.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( XXXX XXXX XXXX ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to XXXX, I got a call and a " bill '' from NATIONAL ENTERPRISE SYSTEMS XXXX INC. claiming to collect on the debt that have already been paid. I called both XXXX and National to let them know the debt has been paid in full and yet National continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kindly request that you promptly update my account to reflect this accurately.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After recently pulling my credit report from your Bureau XXXX I, in accompany with my XXXX, instantly pointed out that I have been reported as XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). I also see that according to the reports I was late XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( XXXX ) # : ( XXXX ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! AT THIS TIME I AM SEEKING LEGAL ACTION AGAINST THE BUREAUS.

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 2023-01-01
Company: CCF Intermediate Holdings LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Speedy Cash XXXX XXXX XXXX XXXX KS. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/22, I was unable to log in and make a payment prior to due date ; whereby, the creditor had manipulated on-line user account access. I phoned creditor and was told they didnt support the XXXX XXXX debit card. I went back on-line and was allowed to enter the card information, but a payment was not accepted. The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because it was schedule for the next day, according to XXXX XXXX, and that is a fraudulent transaction that is not accepted by any debit card. All other creditors accepted and were paid through the same card. 

On a monthly basis, the creditor utilizes a loop whole to charge additional interest and prevent me from paying the loan off sooner. An additional interest payment is charged to my account a day or two prior to due date. The creditor has allowed early payments once or twice, but an additional payment is withdrawn the next day ; whereby, overdrawing my account. This is a breach of contract since there are no penalties for paying loan off early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation