BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I moved to my current address on XX/XX/XXXX. I began receiving mail for previous tenant immediately from Capital One. As of tomorrow I will have been writing " not living here '' " not at this address '' etc for XXXX years. These aren't addressed to Or Current Resident. They are sending Personally Identifying Information of an account holder to a non-account holder. This is a serious breach of handling sensitive information that has been purposefully ignored and overlooked by Capital One. My first call about this was today on XX/XX/XXXX when I got hung up on. My second call the customer service rep kept wanting to know MY name, which he and Capital One really have no reason to know and then kept asking me what is in the letters, which I wouldn't know because I don't open other people 's mail but which they should sure darn know since it's their letters that have been getting returned nigh on 2 years. Oh and there was a tenant here before me for at least a year, so it's been 3 years of them sending this PII to a nonaccount holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo sold my loan 2 weeks after I applied for a loan modification. On XX/XX/20 I received a letter from wells fargo stating they were selling my loan to a new servicer. I was told on XX/XX/20 that nothing would change on my loan except for where my payment was serviced. They denied my loan modification and XXXX changed my due date and charges mortgage brokers in the amount of {$25.00} each time they check my balance. I tried to resolve my issue with XXXX but they refused. Attached is the letter I received from Wells Fargo and in paragraph # 2 states that the only thing that would change was where I sent my payments. I would like Wells Fargo to reimburse me for all of the {$25.00} fees assessed until the end date of the loan for acquiring the balance of my account. 
I called XX/XX/20 and spoke with XXXX ext XXXX and after speaking to a colleague he shared that Wells Fargo has no control over another supervisor and that they would not be assisting me.

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 2021-10-25
Company: EQUIFAX, INC.
State: IL
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 have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, XXXX, Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  account XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish 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 2019-09-01
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Auto loan opened on XX/XX/2018 in the amount of {$6600.00}. I was never contacted from the creditor or the 3rd party regarding debt validation or anything. This company is in violation of the federal debt collection practice. The account was sold to a 3rd party  without my permission and without my knowledge, which is perpetrating identity theft.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
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:
Wells Fargo reported me during Covid19 when I was having an economic hardship- they put me on a pandemic forgiveness program bet still reported me and closed my credit card- I had perfect payments before covid19 happened. They are not offering any assistance to help out those lost their job

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX is still showing on my credit report as of XX/XX/2023. This account status shows up as 30 days late but should say paid as agrees since it was paid off in full. The account was past due when I traded in the car and since it was paid in full, it got stuck in past-due status.

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 2019-09-01
Company: AES/PHEAA
State: CA
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 never received a bill and then I got negative reports on my credit that's effecting my credit..I called FED loan servicing and they said the report couldn't be reversed and it wouldn't show on my report because its a fed loan. was told this loan was going to be deleted off my report cause school went bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
There are late payments reported on my credit report for a vehicle I leased.

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 2022-11-02
Company: EQUIFAX, 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 account XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Was not notified of investigation status or results

Complaint:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2018-04-18
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:
Equifax has investigated the same issue more than 7 times and has not forced the company XXXX XXXX to provide any documentation to prove the debt is accurate. I believe that this is illegal and that Equifax needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: TX
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:
This is the 4th complaint or more on this issue however they ( Wells Fargo ) are not understanding the complaint. I am not complaining about a stop payment on the item that was paid in error, I'm complaining about the banker telling me that the item would not be paid but was and my account has been overdrawn since. This has been going on for 5 plus months. Now I'm at the point of going through XXXX XXXX, XXXX XXXX, lack of being able to conduct business with my checking account. An advisor in the civil court system in XXXX XXXX has advised me to file a civil law suit on the bank due to this approximately XXXX  item has caused in my life and livelihood. Unfortunately they have left me no choice. If this is not fixed in the next 10 days or at least a notice that it will be fixed in 10 days does not happen, I will file a civil law suit for much more money than 200.00, due to all this has caused in my life. This filing will be free to me due to COVID 19 and as per the court 's authorization.

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 2018-06-28
Company: Cogent Road, 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:
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/XXXX an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/XXXX on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative Stated XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Information on my credit report remain inconsistent and inaccurate despite my request to the credit bureaus to have them removed. The XXXX XXXX XXXX failed to validate the debt they are trying to collect on me and i was never notified of such collection activities until i discovered them on my credit reports.

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 2023-02-21
Company: Bridgecrest Acceptance Corporation
State: GA
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:
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on two of my XXXX XXXX accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all three credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.

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 2021-09-08
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been abused and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES , has caused injuries to me by violating the Fair Debt Collection Practice Act, that was set into place to protect the consumer from such abuse. On XX/XX/2021, CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692i ( b ) by filing suit against me, the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( b ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/2021, I received 2 phone calls from my front gate at around XXXXXXXX XXXX that woke my wife and myself up, but I did not answer because I was not expecting anyone at my residence so early in the morning. My wifes phone began to ring from the gate right after, she did not answer as well. Around XXXXXXXX XXXX I heard an obnoxiously loud banging on my front door, in which frightened my wife and I, also woke up my two young kids. My wife opened the door and was given papers stating I have a notice to appear in court. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me, the consumer, given directly to them, at an unusual time and place which known to be inconvenient to me the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process. On XX/XX/2021, Ive requested for CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES to provide me with competent evidence to verify that I have a legal obligation to them, but have not received anything. I will attach all documents used to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
There were many unauthorized inquiries on my reports as well as misspelled names. The following inquiries are just a few. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All of the auto requests on my report from XXXX have been falsely applied for on my credit reports. There are many. There are also credit cards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX There have been many mispelling of my name. Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There have been many incorrect addresses. Addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY Please correct my credit reports

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