BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Experian Credit Report # XXXX shows 'On Record Until ' on most accounts but this information is missing from the accounts listed below : XXXX XXXX XXXX/XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX/XXXX  - XXXX The aforementioned trade lines are incorrect. Per the FCRA incorrect information must be deleted within 30 days. Also per the FCRA consumer reporting agencies may not report outdated negative information. Many of the trade lines listed above have already been removed from my XXXX  and Experian credit reports due to the accounts being outdated. This further leads me to believe that these accounts are being reported by Experian in error and therefore must be deleted from my credit report as I have a right for all information on my credit report to be correct per the FCRA. ( See attachment XXXX ) Experian repeatedly reports incorrect information under the 'Names ' section by listing my name as XXXX XXXX - Name ID # XXXX. This is not my name, this is not the correct spelling of my name, and there are no accounts on my credit report with this this listed as my name. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA. ( See attachments ID-Passport/ID-Birth Certificate ) Experian repeatedly reports incorrect information under the 'Addresses ' section by listing XXXX XXXX  XXXX XXXX , XXXX , TN XXXX-XXXX  - Address ID # XXXX. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
With one bureau it shows opened and another shows closed. In fact, it has different information in multiple locations. See attachment

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have experiencing XXXX and Hardship i have a my personal information stolen i have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of there ability with maximum accuracy. I have never been late for payment for any of these accounts. ( 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  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payment be updated to on time as they should be as I was never late.

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 2023-07-21
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like Equifax, XXXX and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither Equifax, XXXX nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to Equifax, XXXX and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, Equifax, XXXX and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, Equifax, XXXX and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of Equifax, XXXX and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
On XX/XX/2023 {$10000.00} was withdrawn without our authorization from my husband and I joint account. The claim was made through Citizens Bank ( Claim # XXXX ) and a police report was filed through XXXX Massachusetts PD. The police officer then contacted both parties involved, Citizens Bank and the bank that the money went to, XXXX XXXX XXXX XXXX, in which XXXX XXXX XXXX XXXX reported on XX/XX/2023 that the check was fraudulent and the funds were allotted back to Citizens Bank. The police officer then spoke to a citizens bank and was told via email on XX/XX/2023 that the funds were going to be allotted back into the account within 5-7 business days. I have personally called the Citizens Bank claims department weekly since XXXX to check in on the claim and have yet to be given the money back. The representatives with Citizens Bank have no information to share that is consistent with what was stated to the Police officer on the case. The representatives at the claims department proceeded to tell me that it could take a year to get the money back and that is just how this works.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank offered a {$250.00} bonus to those who open a checking account with them and make 10 debits on it within 60 days. Three members of my family took advantage of that offer and the other two have successfully completed the debits and received their bonuses, but they singled me out for different treatment and froze my account without telling me. My debit card never worked and they told me I needed a new one but that one did n't work either. No one told me the real reason, and the 60 days is rapidly passing without my being able to fulfill my debits. Every time I ask what the problem is, I get a different answer, and every time I satisfy their queries, they come up with a new roadblock. I asked for my original deposit back if they would n't let me make debits on it, and they refused because they have frozen it. I have health problems and am depleted from dealing with this, with still no resolution. I have gone into the local branch three times and spent a great deal of time on the phone with them, as well as their HQ, including their fraud department. So far I am still being treated very differently than my other family members, who did exactly the same thing in exactly the same way. They keep making new requirements of me, that were not required of others, and when I meet their requirements they make new ones. Enough is enough.

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 2022-03-17
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following addresses inaccurate and not my current or correct addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. The following inquiries areon my report that were not applied for by me : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY

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 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capitol one has breached the cease and decist AGAIN I've asked only to be emailed anything and they sent a letter to my house AGAIN saying I am behind and they still owe me money and still have yet to readjust my account they're still a bully a XXXX  and a XXXX and I want nothing more than for them to be shut down for crimes against humanity! These people DONT stop and need to answer to all of their excessive fees and over contact!!! I've had enough!!!! Investigate these XXXX and fee them for every single letter and text message they send even after I've requested them to CEASE AND DECIST and I say again CEASE AND DECIST stay XXXX XXXXXXXXXXXX out of my mailbox and stop pestering people!!!! The government needs to send a powerful man that demands answers NOW and there still is XXXX change and this company thinks they are above the law and laugh at government cause they're not putting capital one in check and that they think they can do whatever XXXX  XXXX they want without consequences and someone needs to put them in their place because all the XXXX they've been doing is outrageous and makes me want to rip somebody a new one I can't enjoy the holidays and have it peaceful for these XXXX people to keep sending letters to my house!!?!?!? After a cease and decist is requested by law they have to follow it and they're not doing a good job doing so! They've raised interest again and won't budge and treated my complaint like it was not even XXXX on the ground. Come on government they're laughing at you stop letting people get away with this XXXX! They must answer and need to readjust my account STOP XXXX FEEING ME I HAVENT USED THIS XXXX  CARD IN OVER A YEAR!!!!! WHY MUST CAPITAL ONE BE THIS DENSE??!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by this company and they allege that I owe them a debt but I am not famailiar with this company or any financial relationship with them. I asked them to stop calling and any credit report activity as I am disputing this debt. i wrote them a letter an sent it certified mail but I have yet to recieve a response. please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Hello, I am writing as what I would consider me being a " valued '' cusrtomer of yours. I have been a XXXX member since XX/XX/2015. My last line increase was over 6 months ago. 
I am wondering when I will be allowed to obtain another limit increase? Everytime I attempt to do this online, the system shoots back a letter that tells me : there has recently been a change. How recent? 
I am disappointed and want to know when you 'll be granting me my 6 month line increase? 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Nelnet, 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:
I have provided Nelnet with several requests to exercise my right under the Gramm-Leach-Bliley Act to no longer share any of my non personal financial information to XXXX XXXX XXXX and has given them clear and conspicuous understanding as to what information I would no longer like to be shared. Nelnet has had not taken my matter seriously as I have disputed these accounts on numerous occasions and Nelnets responds asking for the same information I have already provided them that includes my student loan account information, reasons for dispute. I have mailed in a written requests as well as sent countless emails to their enrollment processing department in which they respond asking for the same information I have already provided. I have all the email transcripts as well as the mailed in documents for proof of my opt out request. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: FL
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:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from 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 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and PORTFOLIO RECOVERY ASSOCIATES continue to report to XXXX, XXXX, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have a XXXX XXXX XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as capital one bank and XXXX XXXX XXXX is attempting to collect as XXXX XXXX. 

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Account Type : LEASE Account Number : XXXX My payment due date is on the XX/XX/XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.

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