BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A personal review of my credit report showed/shows inaccurate information on multiple accounts, it also shows that companies have been re-statusing accounts and reporting past due balances on charged off accounts. 

Report # XXXX XXXX XXXX, XXXX  - amount {$430.00} XXXX XXXX  -amount {$440.00} XX/XX/XXXX  - amount {$15000.00} XX/XX/XXXX  - Amount {$19000.00} All accounts have be re-status repeatedly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: OH
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 has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital one credit card works with XXXX XXXX They tell people to apply cause you have an excellent chance of acceptance and that it won't effect your credit and then run a hard inquiry on your credit and it's lowers your credit score. Many have complained of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nationwide Credit & Co. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX phone : XXXX is calling and sending letters about an outstanding debt of {$2100.00}. I have informed them that this is not my account and I do not owe this debt. They reported it as a collection to XXXX, I disputed it, and XXXX  's investigation did not remove the debt. I have never had an existing account with Nationwide Credit & Co. and this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: RI
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, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
In accordance with the Fair Crediting Act XXXX Account Name : XXXX XXXX BANK XXXX Account # 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 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 explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been locked out my account I have been calling this bank for days about my funds in my account customer service has been terrible they have been directing back and fourth between departments I dont know what else to do please can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Account information incorrect

Complaint:
Since XXXX  i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. XXXX  have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to XXXX  reporting inaccurate information & ignoring all of my attempts to notify them of such.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2019 I contacted American Consumer Credit Counseling ( ACCC ) to attempt to enter my Capital One card into a payment plan. On XX/XX/2019 I received a letter from ACCC that my account had been denied based upon the fact that it was currently on an internal plan with Capital One. My account was not on nor ever has it been on any repayment plan with Capital One. Upon contacting Capital One, I was told that the reason I was denied was due to the previous internal plan, however, when I stated that I had not been on a plan they could find no record of ever being on a repayment plan. I was informed that they would perform additional research and to call back in a few weeks. Roughly 3-4 weeks later, I contacted Capital One again and transferred between 2 representatives and 1 manager. The manager informed me she had no updates and still could not sort out my account. She advised I would need to send my request via correspondence to general inquiries. I submitted the requested information in XXXX outlining all information that was advised to me via phone conversations. I then received a letter on XX/XX/2019 that stated " We are unable to fulfill your request through written correspondence. '' I then contacted the number listed in the letter so that I could receive assistance with my request. The representative again stated they could find no record of my account being on any repayment plan at any point and that I simply needed to have that removed. They were however unable to provide any assistance and stated that I needed to again submit the information through general correspondence essentially repeating the process that I had just completed that concluded with no action being taken and told that no one was able to help me in correcting the mistake that the company had made on my account. When I was transferred to a manager, he was extremely disrespectful and would not allow me to explain the issue. I was told that Capital One had made a decision and he could no further support or assistance. I simply had to live with the error that they had made. I was denied any remedy to inaccurate information on my account and this false information is purposely being used by Capital One to deny my entrance into a repayment plan and successfully remedying my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Privacy and confidentiality under 15 USC 1681 Bank Of AmericaXXXX XXXX, and XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any 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 2022-11-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Without my knowledge, XXXX XXXX created an entry that was sent to the CLUE ( Comprehensive Loss Underwriting Exchange ) operated by Lexus Nexus. The entry is dated XX/XX/XXXX. We did not know of the existence of this entry until XX/XX/XXXX. XXXX XXXX has raised our insurance premium for renewal by 108.4 %. By creating this entry that appears as a claim that paid out {$0.00}, the result is that competitive insurance carriers will not quote us for a new property insurance policy or want to place a surcharge on the premium they quote. We can not shop for competitive rates. 

My contact with XXXXexus Nexus by phone ( a recorded conversation that I asked to be preserved ) on XX/XX/XXXX resulted in a conversation in which I requested that this entry is disputed and should be removed. They replied that they will look into this and respond within 30 days, making my ability to shop for insurance highly limited. 

Since I was never notified of this adverse entry in the Lexus Nexus database by XXXX XXXX, which is equivalent to a negative credit report, I feel both companies should be financially punished by the Federal Government or whoever regulates their behavior regarding consumers since I had no opportunity to dispute the entry until present time. 

XXXX created a reference number for the disputed entry of : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Good day, I applied for the XXXX  card on and around XX/XX/XXXX or the XXXX and was approved I have been in contact with XXXX since then, I had my original card sent back because XXXX did not honor my change of address in which they left this just in ladle for weeks until I contacted them back around XX/XX/XXXX to inform them why havent I received a letter or email concerning the original card being sent back to their offices. I then had to send proof of my new address to verify so they can issue a new card and I did so on XX/XX/XXXX as of XX/XX/XXXX it will be three months and I still dont have the physical card, I have informed them while on the phone that if I didnt contact them they would have closed my account and it would have affected my credit score I have several recordings of so called managers and customer service reps telling me several different things every time I called.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Cottonwood Financial Ltd.
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022 The Cash store calls me at XXXX MST - Missed call The Cash store calls me at XXXX XXXX - Spoke to XXXX where she gave me a courtesy call to remind me that the first payment of my installment loan was due on XXXX. I advised her I'd be in afternoon of XXXX to make the payment. 

XX/XX/2022 The Cash store calls me at XXXX XXXX - Spoke to XXXX where she again reminded me of payment and asking when I'd be in. I again advised her I'd be in later in the afternoon. 

The Cash store calls me at XXXX MST - Spoke to XXXX AGAIN, where she asked, again, when I'd be in to make the payment. I advised her after XXXX. 

I arrived around XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX and paid my installment loan where XXXX asked me, " So who's your new employer? '' I asked her what she was referring to and she responded that she had called my job and they advised her that I no longer worked there. I had been laid off on Wednesday XXXX. 

She called XXXX times over the course of a XXXX hour period where I had actually spoken to her on the 2nd call. I asked her about this and she insisted that they were all courtesy calls ; which of course, after the 1st contact, is no longer a courtesy and is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/XXXXI applied for a modification with wells fargo home mortgage Loan # XXXX balance on the loan was {$78000.00} i was not behind on my payments after wells fargo modified, my mortgage they also applied a 2nd # XXXX XXXX lien on my loan through HUD/XX/XX/XXXX in the amount of {$23000.00} using a XXXXXX/XX/XXXX to collect this debt. I was unaware of this until recently I had to sale my home do to unforseen hardship do to Covid 19 this debt brought on more hardship after finding out that wells fargo had done this to my mortgage causing me to pay double on my home I also happen to know they had done this to lots of families this is inmoral and show lack of protection to citizens. Wells Fargo should be held accountable to Exhibit integrity and humility I'm ask for assistance with a balance forgiveness also release of lien on my porperty, Thank you for your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 explanation