BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We asked for help when my husband broke his foot and couldn't work, all of our creditors worked with us except Wells Fargo and they repoed our truck

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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX XXXX website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for XXXX XXXX. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.

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 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One - Late Payment 30 Days Past Due XX/XX/XXXX and XXXX Capital One XXXX - Late Payment 30 Days Past Due XX/XX/XXXX and XXXX XXXXXXXX XXXX  is not a card I opened under my name, I did not make any of those purchases and reporting late to my credit XXXX XXXX  Late Payment 30 Days Past Due Late Payment 60 Days XXXX XXXX also was not supposed to be on my credit as I did not attend that school XXXX XXXX is not a card I opened under my name, I did not make any of those purchases and reporting late to my credit XXXX is not a card I opened under my name, I did not make any of those purchases and reporting late to my credit XXXX Late Payment 30 Days Past Due Late Payment 60 Days XXXX Late Payment 30 Days Past Due Late Payment 60 Days Hard Inquiries and Soft Inquiries are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent XXXX and Equifax letters disputing inaccurate and adverse items on my credit report. There negligence has caused me harm, since it has affected my ability to obtain new credit. 
Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), they had 45 days from receipt of my letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from them within 45 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
TransUnion will not remove an education loan from my account that is being impropertly reported. I have filed several disputes on this, but they will not correct it. They are reporting that the loan was originated in XXXX, but the most recent student loan I took out was I believe in XXXX, and defaulted in XXXX. It would be 9 years in default, and past the allowed time to report it. I have disputed on all of these errors, but TransUnion seems to be taking the debtors word for it instead of demanding evidence of the loan 's accuracy. 

The current account information is : XXXX XXXX Current Balances of {$150.00} and {$90.00}

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX Bank is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX  did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXX is report incorrect 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got an email from capital one at XXXX on XX/XX/2022 welcoming me to my XXXX checking account. Another my email was sent at XXXX on the same date saying that my email address has been updated. I did not open a checking account with Capitol One and called XXXX XXXX let them know. A representative from XXXX XXXX canceled the account and put an identity theft alert on the account. I have all 3 of my credits frozen and am not sure how an account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: HW Holding, Inc
State: MN
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:
account information disputed by consumer ( meets requirement of the fair credit reporting act ). This is showing on the Credit Report. I have disputed this with a legal form from and letter overnighted to the Company. They have not contacted me nor sent me any information via mail to let me know what happened to this investigation. I have yet to receive any proof of the debt. Because they havent provided this they shouldnt be reporting this in the credit bureau when this is clearly not my debt. 
The Debt is with Hunter Warfield Inc. it says its a rental or leasing office. This is affecting my Credit Bureau reports and it needs to be deleted or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
ACCOUNTS THAT NEED TO BE DELETED FOR FRAUD XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( AUTO ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX 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 2019-12-30
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has continued to report information negatively on my credit file that I can not dispute not confirm. 
They have not provided me documentation showing any form of contract between myself and NCS They have not provided me written notice regarding this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the credit bureaus credit won't let me dispute online or over the phone the following accounts are not mine account name XXXX {$2000.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On my US Bank account on XX/XX/XXXX There were 3 unauthorized transactions. withdrawals of {$500.00}, {$1000.00} and {$1000.00}. That is a total of {$2500.00}. 

I called US Bank on XX/XX/XXXX to report the fraud. They said it would take 5 business days to put the money back. I called back on XX/XX/XXXX, they said it will be done that day. On XX/XX/XXXX I called again to inquire why it was not there. They just said that the person I talked to was mistaken and that it would take 10 business days.

10 business days came and went and the money was not returned. Today the 11th business day I called ( XX/XX/XXXX ) and they told me that they determined that it was an authorized transaction. I asked how did they know what an authorized or unauthorized transaction was? I was told that he didn't know because he didn't do the investigation and I have no other recourse other than to submit an appeal after I received the denial letter. The letter will be another 10 business days. In the meantime I have bills to pay. 

What is my recourse?

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 2023-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act the following companies listed below, XXXX, TransUnion both have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : 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 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed charges to my checking account debit card that I didn't recognize. The first was for {$13.00} and later, three subsequent charges of {$47.00}. They were all end of the month charges that were from 4 different companies that looked very similar. I called the bank, CapitalOne and the amounts were temporarily credited to my account. I recieved an email from CapitalOne that the first two charges, {$13.00} and {$47.00}, were approved and the later two, {$47.00} each, were denied. I called CapitalOne again as I was confused as to why the first two transactions were found to be invalid but the last two were deemed legitimate. I asked to speak to the department that makes the discission or supervisor but I was told they are not available to speak with customers. They told me that they would send the documentation to me that was used to make the determination. The documentation from the merchants were identical with the exception of the company names. This is where I found the charges were for " XXXX XXXX. '' I called again to CapitalOne to tell them I disagreed. I was able to get them to re-submit my claim as I never recieved the " XXXX XXXX '' that I was billed for. I was temporarily credited the two {$47.00} charges. I recieved an email from CapitalOne that the resubmitted claim was being denied because I had already submitted a claim for these transactions. I called again. I was told that another claim would be sent in. I sent the card investigations department an email going over very thoughly why their determination was incorrect. They replied with the same documentation and noted they will not reply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
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:
Ref : Credit Reporting/ Cares Act/ FCRA, remove/ delete COVID-19 late payment request ATTN : Experian/ Report Number : XXXX, Dispute on XX/XX/2020 The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.

The CARES Act requirement to report accommodated accounts as current effected by the pandemic. The amendment defines " covered period '' as the period starting XX/XX/2020, until the later of 120 days after enactment of the CARES Act or 120 days after the end of the national state of emergency declaration. 

I notified my creditor that I was affected by Covid-19. And the reason my payments were delinquent was due to COVID-19 financial hardship. I requested a deferment/ forbearance. I have never been late before the COVID-19 Pandemic.

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