BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: WA
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:
This is my numerous 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 WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$2500.00} ; XXXXXX/XX/XXXX XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; XX/XX/XXXXBalance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This debt collector has not provided me proper debt validation for this allege debt. Please delete this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: LEXISNEXIS
State: GA
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:
Lexis Nexis false represented me by obtaining an unverifiable bankruptcy and placed it on my ACCURINT REPORT with out my permission. Lexis Nexis furnished the bankruptcy to the consumer reporting agencies inaccurately without properly investigating this ( Bankruptcy/Public Record ). Only VERIFIED information should be reported to the consumer reporting agencies. Although, The Accurint Report or database is not under the FCRA, however the ACCURINT Report/Database is regulated under the Gramm-Leach-Bliley Act. Lexis still furnished it to the Consumer Reporting Agencies who do follow the FCRA Laws. Therefore, FCRA laws are required during this Transaction or Process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute amount : {$1600.00} and {$2500.00} Date of transaction : XX/XX/2023 Case # : XXXX Merchants name : XXXX XXXX XXXX 
Bank name : Capital One I rented a vehicle from " XXXX XXXX XXXXXXXX  '' I was involved in a minor accident that caused damage to the wheel 's & tires of the car rental. I applied car rental insurance to protect me in the event that something like this would happen. I am only liable for a {$1000.00} deductible but the merchant is charging me about {$5000.00}. After trying to resolved the issue with the merchant, I decided to dispute the charges with my bank because the merchant is not honoring their part of the rental agreement. Unfortunately, my bank closed the dispute in favor of the merchant & is charging me an amount that I am not liable to pay. This is bad business on behalf of my bank institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: VA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 account name : XXXX XXXX XXXX Bank Credit card : Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of EDXXXX XXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 resonable 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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the the Fair Credit Reporting Act 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. also states a consumer reporting agency can not furnish a account withought 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 2023-12-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
We applied for a refi through wellsfargo because they sent us a special invitation to apply on XX/XX/XXXX. The whole process was extremely slow ( until XX/XX/XXXX ), our loan team wasn't helpful and didn't know what was needed and most importantly the Underwriter took sometimes a week to review our application for one document. We were asked for an extreme amount of documents, underwriting didnt create task about needed documents/clarification for a credit dispute on credit report, everything was against my husband who disclosed is a minority business owner. We were told if we fixed the credit dispute then we would be approved, after we repulled credit 2nd time ( we allowed due to this misinformation and now have a 2nd hard pull affecting our credit for no reason ) then were denied on XX/XX/XXXX because of the credit dispute we fixed, it says late payment but it was the XXXX case that we paid and had on our loan application when we got approved for our inital mortage through wellsfargo last year ( XX/XX/XXXX ) so it wasnt a valid reason ( at first because no one could tell me why we were denied ( no one called or communicated, I found out by logging into my account ) and the denial letter came with that reason even though we fixed it and were supposedly good ). Then they said it was because my husband 's credit score was XXXX and the cut off was XXXX ( I explained that because he is an immagrant he doesn't have as long of a credit history as someone who was born here and due to them taking 3 months to get to this point the first mortgage hard credit pull already affected his credit unfairly ), then they said it was because my husband has legal action being taken against him like foreclosure or repossession but when we asked what account no one could tell us. My husband called all 3 credit bureaus and everyone said there was nothing. He paid for credit reports and there is nothing. When requested the credit report showing this from wellsfargo mortage team, they wouldn't give it to me. Also, they only used this reason after the fact, and when we dispusted the other reasons. There was no task, communication from the loan team or task from underwriting about this legal action until I called several times trying to get a reason for the denial. Our time, and credit were affected due to the actions of wellsfargo loan and Underwriting team. Everything in this process was strange and illogical, especially because we were refinancing our loan for the same loan term ( not extending it ), for the amount we still owed ( not taking equity ) and to pay {$400.00} less a month. They denied us to pay less money when we proved for over a year we could pay our mortage and on time.

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 2023-03-20
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation.

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, 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 2023-03-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off this account and closed out the account with final balance which included interest payments in XXXX. They added interest in XXXX and never sent notices but continued to flag my account as late and reported late payment to the credit bureaus the account as being late. I had no knowledge of this balance until XXXX when checking my credit report. This delinquency caused my credit score to plummet by XXXX points. I called them and they offered no resolve saying that the interest came through one month later after the account was paid off and closed. Please see account in reference below. 

XXXX XXXXXXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/2023. 

Source : Experian XXXX : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2023 Balance : {$19.00}

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 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 credit reporting act, XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can only furnish an account with my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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/XXXX and the XXXX I was making transactions using my debit card linking it to my cash app card to buy items off of a life. The company that I was purchasing these items from then blocked me and didnt receive my money I try to dispute the transactions through my bank account, which is capital one they told me that they couldnt do anything to help me the amount was about {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-03-21
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: 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. 

Account name : XXXX XXXX & Account XXXX has violated my rights. Or list of inquiries 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 adverse item of information, other than records of convictions of crimes which 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.

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 2023-10-31
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Had a credit account with Wells Fargo. We missed a payment in XX/XX/2020 during COVID-19 due to an oversight. Partner contacted Wells Fargo to explain and to see if there was anything that could be done. Rep said they could remove late payment since this was the first time it had happened on the account, and they were being flexible due to the pandemic. Partner made payment according to the agreement, but late payment still appears on the credit report. I have contacted Wells several times but keep getting the run-around. Filed dispute with credit reporting agency, but keep getting investigated dispute and customer disagrees without any actual resolution.

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 2023-03-20
Company: Nelnet, Inc.
State: MD
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:
The student loans I had was discharge on XX/XX/XXXX as " Student Loan Discharge Based on Borrower Defense Evidence '' it was determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). The letter also stated that my credit report will also be updated to reflect this discharge when it is complete. I called Nelnet in XXXX of XXXX to ask how long it takes to process the discharge information to the credit bureau. Their response was 30 to 60 days. I called Nelnet back in XX/XX/XXXX still not done. I called Nelnet in XX/XX/XXXX to request a status on how long this will take to update the credit bureau with the 0 balance and discharge on the account and was just told again 30 to 60 days and I had my loan officer on the line with me. Because back in XXXX of XXXX I give them the paperwork from U.S DEPT OF EDUCATION. This was still impacting my credit score by XXXX points for my home loan closing that was dated on XX/XX/XXXX. 

I filed a complaint with the Federal Student Aid on XX/XX/XXXX Case # XXXX - No action was taken. 

On XX/XX/XXXX I paid off the loan in the amount of {$5300.00}. Nothing has been updated correctly with in the terms of my original case complaint with Nelnet. I was already getting the run around response with the Nelnet Agents when the original case complaint of update my accounts for the borrower defense discharge based on evidence filed. Still in a hasta to get a XXXX specifically down. I paid the {$5300.00} to Nelnet on XX/XX/XXXX. The money was paid through Nelnet the government servicer and received by Department of Education on XX/XX/XXXX " XXXX XXXX ( XXXX ) XXXX confirmed ''. The Nelnet.com system was updated. Now, Nelnet is blaming the government on not updating the system and or DEN account when Nelnet is the servicer of the government. I believe I have given Nelnet applet time to adjust/process and report accurate information on my account. At this time, I feel that my consumer right is beginning violated. I'm requesting an immediate expedite of all my accounts. I have been on multiple calls with Nelnet agents and Managers for the last 58 days. This is my final action before I can file a lawsuit in court. This is accurate and harmful misreporting action by Nelnet.

Company response to consumer: Closed with explanation