BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NC
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:
Credit Bureau not complying with their own policies in a timely manner.

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 2023-03-10
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23, I received an email from Midland Credit Management ( MCM ) stating they are a debt collector and are trying to collect on my debt for my XXXX XXXX XXXX credit card issued by XXXX XXXX. On XX/XX/23 my account was sold to MCM. On XX/XX/23, I called XXXX XXXX XXXX 's XXXX XXXX and was redirected to the fraud department and was told there was six charges from XXXX. I was told that the person made purchases at the XXXX XXXX XXXX in XXXX XXXX, CA and in XXXX, CA. The person requested a credit increase, added an authorized user, changed my phone numbers and changed my address. XXXX XXXX would not give me the name of the authorized user, new phone numbers or address. I never received any statements, phone calls, or emails from XXXX XXXX XXXX 's XXXX XXXX. They did not contact me prior to this account being sold to MCM even though my email address was not changed and that is how MCM contacted me. Prior to these charges, I had a XXXX  balance on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX XXXX Inquiries that I didn't file for

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
No action take as of yet! Fees taken out of account for no reason. XXXX was missing XX/XX/2020 not recovered. XX/XX/2020 charged for fees 4 times. XXXX in fees making the account go negative.

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 2023-08-04
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just got out of XXXX, technically I'm still XXXX  I'm at a XXXX XXXX XXXX on pre-release. I checked my credit score and learned thar I owe money for a XXXX phone bill and the collection agency that is trying to collect is Jefferson Capital, the date of the account is XXXX XXXX. I was incarcerated so it was impossible for me to open a phone account. I have no knowledge of this account, I did not enter into any agreement with Jefferson Capital, nor did I agree to pay them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit Bureau not complying with their own policies in a timely manner.

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 2022-02-12
Company: EQUIFAX, INC.
State: RI
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:
On XXXX I XXXX XXXX the consumer, sent XXXX, EQUIFAX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX EQUIFAX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: AES/PHEAA
State: MA
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:
My Unsubsidized and Subsidized loans originated in XXXX of XXXX ( a  consolidation of my XXXX studies at XXXX College in MA and the XXXX XXXX XXXX in XXXX XXXX ). Since then I have been paying them back without default or forbearance. In XXXX of XXXX, I began working for the XXXX XXXX XXXX as a XXXX XXXX employee. Within that year, I called XXXX inquiring about the public service loan forgiveness process having heard about it on the news. I was told that I did not qualify. Fast forward about eight years I again called XXXX to inquire, this time having heard about the program from my XXXX ( XXXX XXXX ). During this second inquiry, I was told that my public service did qualify but my service and payments for the past eight plus years didn't count since I wasn't on an Income-Driven Repayment Plan. When I asked for monthly payment quotes for the income-driven repayment plan, thinking I would still try to take advantage of it given I have about 25 years more of work and over 20K in student loan debt, the quote they gave me was astronomically high. They then offered me a graduated plan which is unrelated to PSLF ; I am on this graduated plan now as it seems to be my only choice. I believe I was intentionally lied to in XXXX ( and possibly two years ago when I called a second time ). If XXXX had given me the correct information in XXXX, my loan would have been forgiven in XXXX of this year. I have over {$20000.00} left on my loan and without it being forgiven I will be paying it back until XXXX. What happened to me was not right and I'm sure I'm not the only person this happened to. I appreciated you taking the time to hear my story and I look forward to your response. Take care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Well I saw Wells Fargo is suppose to pay a credit to customers who took a car loans recently. I believe I had a car loan from Wells Fargo

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 2023-01-20
Company: EQUIFAX, INC.
State: KS
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:
My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity and 2. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment - - XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Credit Karma, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
After submitting my tax form and my refund was calculated. I selected to have it sent to my Credit Karma save account as XXXX XXXX  stated I would receive faster that way. I did receive it fast but Credit Karma is holding the money hostage. I can't withdraw it to send my regular bank and when i did click withdraw and it said " expect to see your funds within 1-3 business days '' instead of depositing money it withdrew it THREE separate times FROM my account and left me with XXXX in my account and then the money was no longer in my account at credit karma. So not only did they not deposit my money, they stole it from me. I received a couple, " we can't do anything about it '' and now I have another XXXX on the ay that I can't cancel being sent there so it now appears credit karma will be stealing XXXX from me. This is money I worked hard for and need. If I had the money to spare I wouldn't be calling and complaining. Moreover, I receive a refund that shows that I do not make enough money to have to owe. This is outrageous, criminal, and immoral. I would like to have all of the money that is my earned money rather than a bank that does not need it stealing it from me. As you can see in the documents I'm attaching there is now no money in my CK savings despite them having withdrawn money and it stands to reason that if they withdrew money it should now be XXXX in my credit karma account because they withdrew money so it should be sent to my account and added to the XXXX. Obviously, i had no money to withdraw. Now I am also being charged overdraft fees. Upon looking into this, I see they have been doing this enough to the point where there was an article in XXXX about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: NC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I read Wells Fargo article and found your link. Seeing if I qualify for any WF illegal activities between 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
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I currently have a Capital One Credit card that I have had since XXXX. When XXXX happened in XXXX, mine and millions of others ' lives came to a sketching halt, resulting in many without a job, including myself. I reached out to capital one multiple times and they refused to work with me in any way, I have since had on time payments and continue to do so. capital one is being predatory to my credit because of a global pandemic that no one could do anything about but wait for it to end. I am requesting the removal of reported late payments from Capital One for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: ASTA FUNDING INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX my bank account and my sons bank account were beyond wiped out by this company claiming I have a cellphone bill from XXXX for $ XXXX with XXXX XXXX XXXX. Illegal practices, scam artist. They can not provide me with the bill or the original proof of service yet XXXX XXXX allowed them to take my funds. Consulting with a consumer attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Navient Solutions, LLC.
State: FL
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 was steered to do a forbearance as I was completing my degree versus helping me to understand other options. I check my credit report regularly. I am devastated that my loan repayment total has escalated from 80K+ to XXXX. This is unbelievable! Need assistance ASAP as this has plummeted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been ongoing since XX/XX/2023. I requested/demanding proof and challenged the legality of the collections and inquiries in question. They failed to provide adequate proof within 30 days, The credit bureaus must remove those negative items from your credit report. the account appears to be re-aging. 
XXXX did as you see below. XXXX Experian has not. 

on XX/XX/2023 I requested the XXXX XXXX, Experian and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. XXXX nor Experian has not deleted these incorrect items on my credit report file.

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 2023-01-20
Company: EQUIFAX, INC.
State: NJ
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 have an account with XXXX capital that is not reporting on my Equifax credit report that should be reporting. There are XXXX accounts XXXX reporting XXXX and XXXX that is supposed to be reporting XXXX. The XXXX account is currently not reporting in Equifax only but is reporting on the other CRAs I will provide the account number below for the account that is not reporting but should be I have tried to fix this on both ends I was given a. Letter from credit strong the furnishers of the account to help the situation XXXX XXXX XXXX XXXX XXXX  should be reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo will not let me transfer money from the Venmo account to my bank. This has worked for over a year but now it doesnt and they wont tell me why, and nobody has offered any help other than try it again later.

Company response to consumer: Closed with non-monetary relief