BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX there was an auto loan given out in my name by Capital One, and on the XXXX it was involved in a 5 car accident somewhere in XXXX. I've called everyone involved and they're doing their part or giving me pointers, Capital One on the other hand, the company that gave the fraudulent loan out only has one fraud line available. Ive called it 4 times to explain my situation, 3 times I got transferred to another fraud deparment, 3 times the call dropped on the transfer. 1 time it got through to the other department but when she put me on hold the line dropped. No call back, nothing. When I asked for the direct line to this " other fraud department '' I was told they don't have one and to just keep calling that line to get transferred to this department. The number I was calling is XXXX and XXXX. No one at capital one is taking this seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: NAVY FEDERAL CREDIT UNION
State: NJ
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:
RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- 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 XXXX XXXX XXXX XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX XXXX this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion, XXXX and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with Student Aid Commission. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken.

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge.

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and Transunion reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX  ... .on the same day as I applied for the medical credit. So is my score XXXX XXXX or XXXX? Or should it be higher because I have very little debt.

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt.

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

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 2023-09-15
Company: WELLS FARGO & COMPANY
State: NE
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 recieves a text from a USPS stating my package was delayed and to update address. After updating they said it needed a XXXX ( XXXX XXXX  ) rerouting fee. I paid the fee and was never sent a receipt and later checked my checking account and saw {$500.00} and {$750.00} charge from the company. I failed it with my bank, froze my anccount, got a new card and they still have denied the claim. I have recovered the text message and the site was taken down due to scam reportings. USPS had also put a notice on their official website of this new scam that I had not seen until I was a victim.

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 2023-11-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report last month XXXX and I noticed several inquiries that I didn't recognize or apply with. I immediately disputed these inquiries to both creditors and Equifax for possible ID theft. I sent a letter to Equifax last XX/XX/2023, along with the FTC report and proof of identity but they didn't budge to investigate. They said the documents were invalid and needed to be resubmitted. I asked specifically which part of the documents were invalid but they could not pinpoint the error. Here are the unauthorized/fraud inquiries that I have disputed with Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: PNC Bank N.A.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My car loan was sold from BBVA Compass to PNC when PNC bought out BBVA Compass. Upon transfer, PNC showed my loan to be a XXXX  month auto loan when it was an XXXX  month loan from the beginning. Our loan should have been paid off in XX/XX/2022, but I have been forced to make continued payments of {$540.00} each month thereafter due to their incorrect information. I have attempted to contact them several times with no resolution. I have requested documentation, which they did send and that documentation confirms that my loan was XXXX  months, not XXXX. They attempted to charge me an additional XXXX XXXXXXXX more than the total amortized payments on my original contract and the contract was never modified or refinanced, so PNC is simply just trying to steal money at this point and no one @ PNC cares to help fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OZK
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2023 I visited a ATM outside the Bank OZK Branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR. I attempted to withdraw {$200.00} from my checking account and the process was taking a very long time and the machine was making sounds that I have never heard before at a ATM. I then called the bank as I sat in my vehicle at the ATM to report a problem with the machine. The ATM then displayed the message " Your transaction can not be processed at this time '' and returned my debit card. I then went into the branch and let them know the ATM was malfunctioning and also made a withdraw for {$200.00} from the teller. I also filled out a report with the teller on what had happened. The {$200.00} that I never received was already withdrawn from my account. She was very nice and professional and did a wonderful job. I then came back the next day and did another report. Today is XX/XX/XXXX and my account has never been credited with the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Allied Trustee Services XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX No. XXXX XXXX XXXX represented HOA with foreclosure sale of real property in XX/XX/XXXX without a recorded lean on property. 
XX/XX/XXXX 3 years later after foreclosure sale was completed filed a new money judgement with same case file in XXXX XXXX XXXX XXXX for debt that was already satisfied in bankruptcy and foreclosure sale in another County. Past the reclamation time and deliberately, knowing, and unethically pursued to do so. 
XX/XX/XXXX Illegally Levied my bank account 3 years after representing XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Ca XXXX XX/XX/XXXX Currently still dealing with this company, after winning my case, and paying my attorney to get the money back that they illegally levied back and still trying to get this vacated due to negligence and fraudulent practices. 
These fraudulent practices and unethical tactics need to be published and brought up to the public for the unfair practices, consumer violation rights etc. and be stopped and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: USCB Corporation
State: MS
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:
In XXXX I XXXX XXXX enrolled in XXXX XXXX to acquire a certification in XXXX XXXX.As I progressed in the course of study, Unfortunately I acquired XXXX in XXXX. I subsequently notified The XXXX  XXXX. The XXXX XXXX  assured me they would cancel my account. Due to the reports I received I was not going to make it due to my condition. In the XXXX XXXX my account was canceled. But my account was sent to USCB XXXX XXXX Its on my XXXX XXXX XXXX XXXX and XXXX  Reports. I called XXXX XXXX and inquired as to why and how was this done. This collection agency never called me, never tried to reach me I called them asking for validation. Also I asked for itemization of the bill.Never received validation or itemization.

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 2023-06-09
Company: EQUIFAX, 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate how quickly you took action and how successfully you got rid of some of the bad things that were previously on my credit record. I think there are still problems with my file that need to be fixed for the time being. I thus request that all erroneous information mentioned in my credit file and attachments be immediately corrected. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX OF XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: DC
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-11
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:
In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX h as violat ed my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: NAVY FEDERAL CREDIT UNION
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:
I have sent 4 letters to Management and The XXXX XXXX XXXX. Also to the President of Financial Services asking for removal of the late payments from my credit reports ; I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to my 3 credit bureau reports. Also The late payments are showing discrepancies on all 3 credit bureaus. By law,15 U.S.C. 1681 when there is inaccurate information on your credit report, the credit reporting agency is required to remove it. If the credit reporting agency fails to remove the incorrect information, then you can sue them for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MO
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 contacted the XXXXXXXX XXXX  myself, and they have failed to validate that this is indeed mydebt. I have copies of my requests to the XXXXXXXX XXXX  asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. That is because this alleged debt does not belong to me.XXXX XXXX was unable to provide me with the original contract with my signature because none such exist. With no proof of this alleged debt belonging to me Experian you must delete from my credit report immediately. 

Plus the collection agency has provided you with a false and misleading medical account with my name attached to it. You are also not supposed to share anyones medical information without their authorization. So you have now shared someone elses medical information and cost and locations on a strangers credit report? ..which is me. WOW! You have really dropped the ball on this one Experian. This account is not reporting 100 % accurate. You also failed to even note that I the consumer disputed this account on MY credit report, you are really not following the rules. So now you pick and choose which information you WANT TO REPORT on my credit reports. I know that the negative accounts make you more money!

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 2023-08-22
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XX/XX/2023 XXXX Card XX/XX/2023 XXXX Bank XX/XX/2023 XXXX Bank XX/XX/2023 XXXX of XXXX XX/XX/2023

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 2023-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I opened a claim about fraud and multiple times after throughout the week I tried to talk to them to help the case. To maybe make it easier. Unfortunately Wells Fargo did not side with me so I had to call them again to redispute the transaction and they said okay only way is through a supervisor. I said thats fine please have one call me they said sounds good in 1-2 business days someone will call on XX/XX/XXXX this call happened but no one called me. So I called them back after to talk XX/XX/XXXX they said once again that someone will call in 1-2 business days. And now it is the XXXX and no body has called me I am not someone who is rich and I didnt wan na take it to the CFPB but I will not continue to play cat and mouse over a case they dont wan na help me handle. Wells Fargo offers terrible service. The total amount was about {$2500.00}

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