BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Affirm Holdings, Inc
State: NV
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:
AFFIRM INC - Account # XXXX ( XXXX ) I recently obtained a copy of my consumer report from XXXX, and noticed a payment that was reported as 30 days late in XX/XX/XXXX by your company, which I have disputed a few times to no avail. 

Pursuant to the Heroes Act ( Section 110401 ) : 1. You had a duty to suspend negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

2. You had a duty to prevent credit scores from being ruined by preventing adverse information being added to my consumer report, and prohibit the credit score furnishers from lowering my consumer credit scores during the COVID-19 pandemic.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) -Exclusions : A consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report Pursuant to 15 U.S.C 1681 section 602 A. States that I have the right to privacy. And you have violated my rights by sharing my NONPUBLIC PERSONAL INFORMATION with a third party entity namely XXXX, The Gramm-Leach-Bliley Act was enacted on XX/XX/XXXX. Pursuant to Your Obligation under this privacy rule : You did not provide me with a clear and conspicuous written notice describing your privacy policies and practices, and you never provided me with an " opt-out '' notice explaining my right to direct you not to share my NONPUBLIC PERSONAL INFORMATION with a nonaffiliated third party ; nor did you give me a " reasonable opportunity '' to exercise my right to opt-out ; give me a reasonable way to opt-out within a reasonable amount of time before you disclosed my NONPUBLIC PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: OR
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 have a checking and savings account with Wells Fargo. On XX/XX/23 I was notified that my checking account balance had gone down to zero and overdraft protection from my savings was initiated. 

When I looked into my account, there was an unauthorized transaction that occurred which took all of the money out of both my savings and checking accounts. I called Wells Fargo on XX/XX/23 - they gave me a claim number ( XXXX ) and said it will take 10 business days to resolve. However, when I saw that no claim has been filed under my online account, I called them again on XX/XX/23 to inquire and this time another claim number ( XXXX ) was created and was posted under my online account. My daughter and I called the claim department again today, XX/XX/23 and they again stated the 10 day timeline with no updates. 

All of my and my wife 's money were in this Wells Fargo account and we have no cash to pay our bills, my wife 's passport renewal check was getting processed and will now be delayed, there are overdraft fees associated with this erroneous transaction, and possible damage to our credit score. We can not wait 10 business for our money to be returned, we expect immediate resolution and compensation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: NY
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 am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ).

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law.

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : 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 2023-05-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-12-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I obtained the XXXX card because they allowed your rewards to be used to buy Crypto, then they said I needed to enable the feature on the app and submit documents to verify my ID- I did that - they asked that I wait 2-3 business days. I waited 5, XXXX  then escalated the issue and asked that I wait 10 business days - I did that. Now they say that they don't know why the feature is not working and there is nothing they can do about it. Now, I asked them to close the account and they are giving me the run around saying I need to contact a third-party bank?! 

I want the account closed and I intend to sue in small claims.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A coupe of the inquiries were removed by the original creditor letters was sent to myself and XXXX, Experian, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX I informed them that it was fraudulent information that they saying that belongs to me. If any reinvestigation under paragraph 1of any information disputed by a consumer, an agency shall promptly DELETE that item information from the file of the consumer.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from XXXX applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from Experian saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX XXXX Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX : Account number : XXXX, you did not remove the late payments XXXX : Account number XXXX Last activity inaccurate XXXX XXXX XXXX XX/XX/XXXX XXXX not reported XXXX XXXX XXXX Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XXXX XXXX XXXX  XXXX XXXX delete due to inaccuracy XXXX XXXX : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX please delete due to inaccuracies. 

XXXXXXXX XXXX : Account number : XXXX, activity dates XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX  XX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX : Account number : XXXX, remove for inaccuracy XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all 3 bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX  status Open XXXX Closed last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX has violated my rights XXXX 
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 2022-11-05
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA is not properly handling PLSF requests. They constantly provide incorrect information, and hold times take 3-4 hours to get through to someone. Inaccurate information is provided and most associates do not know or are not able to handle requests. We have been trying for multiple months now to get the XXXX request completed. Information was submitted back in XXXX. Employment has been verified for both my employers ( I have two qualified full time jobs that Im working ) but MOHELA seems to not understand this. Ive been sitting at XXXX qualified payments since XXXX. I was told in XXXX XXXX and XXXX hadnt been processed yet, but they would and in the second week of XXXX, it would process, I would have an additional 60 months of payments ( I only need 1 more month ) and my PLSF would be completed. Well, its XXXX. Each time I call, you get transferred to a supervisor and the wait times are 3 hours minimum. We have been told so many different things, yet know one understands the issue and how to get the additional job payments qualified so that the PLSF will be completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I provided the company with the information that they asked me for. I mailed it and uploaded it to them. I was informed that it would be removed in 72 hours. It is still showing on my report. I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/2019

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 2018-11-11
Company: EQUIFAX, INC.
State: TN
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:
starting on XX/XX/2018 thur XX/XX/2018 i have disputed serveral accounts on my credit report with Equifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. Box XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Cancelled in XX/XX/2021. Paid off the last of the fees. Residual balance from interest that was paid but then they added the annual fee after cancellation in XXXX. Called and said I'd pay the residual interest around {$80.00} which was paid and they were supposed to cancel the fee and the late fee because these were applied after cancellation. First call was in XXXX about cancellation and late fees. {$84.00}. In XXXX, I called about regarding the late fees applied after cancellation and confirmation of cancellation. I called citi who then transferred to a supervisor at Citi who then transferred to an XXXX XXXX agent who then transferred me to a third party of citi bank based in XXXX but that third party was never identified. I filed two disputes because these charges affected my credit report, but to no avail. The latest dispute was filed on XX/XX/2021 to correct my credit report and reflect the account closure in XXXX and no late payments or fees were legally applied since they were after account closure.

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 2022-12-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 group # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CBC Companies, Inc.
State: NY
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 NEVER GAVE THESE Innovis XXXX XXXX ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis XXXX XXXX IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: IL
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:
Please refer back to complaint number XXXX-XXXX  where you say my identity did not match your records which I know to be untrue. Attached is an updated utility bill, ssc and copy of my Driver 's License. Please see documents attached under complaint id XXXX-XXXX. Please open this investigation and remove all the accounts listed under disputes due to passing the timeframe of the investigation and this stall tactic.

Company response to consumer: Closed with explanation