BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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: Account information incorrect

Complaint:
I hope this letter finds you well. I am writing to file a formal complaint against the credit bureau Experian regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/23 by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, it has been 4 months since I sent these letters, and I have not received any response from the credit bureau. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored. 

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of 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
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is my Menard 's Big Card Capital One charge card which I've had for years. 

I remodeled my bathroom in XXXX and made all my purchases in XX/XX/XXXX and put it on their XXXXyear, revolving, XXXX XXXX  interest promotion. 

I have ALWAYS paid the minimum balance due for the revolving account PLUS any purchases I made for the prior month that appeared on my statement. Otherwise, I added the {$56.00} minimum payment due for the revolving account to the total dollar amount of any purchases and that is what I paid every month, thus satisfying the minimum payment due on the revolving account AND paying in full all prior month 's purchases. 

In XX/XX/XXXX, I began paying EXTRA. My intention was that once the revolving payment of {$56.00} was applied, the purchases were paid in full, the EXTRA would be applied to the principal of the revolving account, thus lowering its balance due. However, when I began doing the math, Capital One is NOT applying any extra payments to anything. Every month, my revolving account has been reduced ONLY by {$56.00}, and my purchases for the prior month are paid off in full. However, any extra I paid vanished. From my math, there is {$110.00} EXTRA I have paid to Capital One that has not been applied to anything. 

I have called twice : XX/XX/XXXX, and XX/XX/XXXX. Both Customer Service women have rudely ARGUED with me that the extra was applied to purchases when I had already added the purchase amounts on my statement from the prior month to the minimum revolving charge PLUS sent in extra. How can they apply extra payments to purchases that have NOT been made? How much do they know to apply if the purchases have not been made? 

XXXX : paid {$3.00} extra XXXX : paid {$15.00} extra XXXX : paid XXXX cents extra XXXX : paid {$25.00} extra XXXX : paid {$21.00} extra XXXX : paid {$5.00} extra XXXX : paid {$44.00} extra The extra paid was usually rounding up the amount paid to the next XXXX, XXXX and XXXX or XXXX and XXXX dollars to make things even dollars. Moving forward, I will pay TO THE EXACT XXXX what my statement requires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2017-11-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Wells Fargo fails to fix the erroneous charge off of my student loan and my credit history. Prior to this catastrophe my payment history comprised of seven years of automated payments, which I agreed to at the onset of the loan payment agreement. Wells Fargo erroneously charged off my account two years in a row in XX/XX/XXXX and again in XX/XX/XXXX. The first years charge off took half the year to correct as Wells Fargo repeatedly denied their error. The second charge off remains unresolved.

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 2022-05-23
Company: EQUIFAX, INC.
State: TX
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 did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
*Judgement filed in New Jersey Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX * Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$3200.00} Case # XXXX Status Updates May Be  Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$830.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$1400.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX Im in the process of re-establishing my credit. I havent had any activity on my credit report since XX/XX/XXXX. I wanted to verify any information associated with my make credit to make sure there arent any judgements associated with my social security number. I noticed multiple judgements were issued to me supposedly back in XX/XX/XXXX. I was never issued a subpoena to appear in court because I no longer living on that address for years. I heard about the judgement when I was issued a wage garnishment ny my employer. ( XXXX ) I contacted the court clerk to inquire about the debt but I was given very little to no information in return.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX  Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number ( 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 2021-05-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nissan will not update my credit report has not been updated since XX/XX/2021.Also I let Nissan know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to permanently limit my paypal account. I am using my paypal for my freelancing job since XXXX XXXX, 2021. 
My paypal account XXXX has a stucked funds worth more than XXXX that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and Godbless.

For identity verification, I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
Inaccurate information on credit reports. I submitted a complaint letter to XXXX, XXXX, and Transunion by certified mail on XX/XX/XXXX. Here are the XXXX tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my 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 2023-02-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep XXXX, gone into escalated levels of XXXX, developed XXXX XXXX XXXX XXXXXXXX XXXX, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Navient Solutions, LLC.
State: NY
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:
In the early XXXX my husband and I consolidated our student loans. We had been married For approximately seven years and we're starting a family. And work told it was in our best interest to consolidate. The remaining parts of our student loans, which we have been paying on. Since the early XXXX. We had only had the XXXX when there have been job layoffs or one income. At the time it was Sallie Mae which turn to navient. In XXXX  My husband was involved in a car accident which left him XXXX XXXX  XXXX. Once The courts deemed my husband XXXX  XXXX our student loans, which had been one for nearly 10 years consolidated were considered with official legal paperwork to be 100 % XXXX balance. For 7 years, we heard nothing. And had the official paperwork that showed both from navient and from the courts that there was a XXXX  balance. 7 years later navient came after me under my maiden name. And told me that I owed double because of Interest the amount that was left on the consolidation. They took a federal student loan turned it into a private loan without my consent put my name on it. XXXX interest and sent it to me. I offered to pay the portion of what I actually owns. They hadn't contact me in 7 years and denied me. My husband and I are working with a XXXX XXXX XXXX XXXX. And since it is a private loan. It can not be turned into New York State education. Navient has acknowledged that. It is a private loan on record. And yet they have now turned it over to New York State education threatening me. XXXX  interest rate on a loan that I don't owe. Which is double what was actually initially owed which was the remainder of a loan that I had paid down significantly with my husband. We absolutely can not find anyone to help us. Navient continues to move my name around without my consent. They refuse to acknowledge that it is paid in full. They change it from a private loan to a school loan back to a private loan to a school loan which is illegal and without consent. This is completely illegal. Is there anyone who can help us? And allow us to be part of any sort of class action or lawsuit.. Navient refuses to stop cooperate. They will not even discuss this with the XXXX XXXX XXXX XXXX company that they are legally obligated to speak to because they have turned it into a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with non-monetary relief