BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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: Card was charged for something you did not purchase with the card

Complaint:
In late XXXX I obtained a credit card through Capital One, I activated the card for use and stuck it back in it's envelope because I had no need for it yet. In XXXX of XXXX I went to XXXX XXXX Basic Training, leaving the card behind all but forgetting about it, and sometime in early XXXX I asked my parents to send my important documents to my new station, my credit card was included in these documents. Then in XXXX of XXXX I deployed, again, still haven't touched let alone used the card up until this point. I returned in XXXX and a month or so later I needed a new car so I turned to the credit card to see how much I had balance-wise because at this point I couldn't remember how much it was worth, so I logged into Capital One, and noticed there were two separate transactions ; one for roughly {$100.00} and another of about {$200.00}, both from ATM 's but I couldn't see where, I tried a couple times to get ahold of someone so I could get it sorted out, I even followed the websites instructions to try and report it but I was just taken to website after website to no avail, I recently got in touch with a representative who advised me to report it through the police and said he would send me the documents for the bank statements since I no longer have access to the account, I'm completely locked out of it, but it's been a few weeks now and I've received nothing so I wanted to try to bring this here before I try to call and file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00}

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 2022-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 {$830.00} CALLED CREDITOR CAPITAL ONE AND NOTIFIED ABOUT FRAUDULENT TRANSACTIONS AND UNKNOWLEDGEABLE DEBT NOT LIABLE TO ME, FILED DISPUTE WITH CREDIT BUREAUS TO NO AVAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: MI
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 conversion account numbers have violated my rights.

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XX/XX/XXXX Account XXXX XXXX  ( {$390.00} ) XX/XX/XXXX Account XXXX XXXX XXXX XXXX ( {$220.00} ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorect persomal imformation on 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorect persomal imformation on 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 2022-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
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:
I'm filing a complaint against Experian for violating my privacy and consumer rights. They've breached the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Opt Out Laws. 

1. They shared my personal data without my written consent, as required by 15 USC 1681 section 604 ( a ) ( 2 ).

2. I wasn't properly informed of my right to exercise nondisclosure, as mandated by 15 USC 6802 ( b ) ( c ).

3. They reported a Chapter 7 bankruptcy without my consent, violating 15 U.S. Code 1681c ( a ) ( 5 ).

4. Equifax failed to maintain accurate information, as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

5. Equifax reported my student loans without consent, violating FCRA.

6. They didn't adequately provide the option to opt out of reported information, as per 12 CFR 1016.7. These actions infringe on my privacy and break the law.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: NM
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:
Numerous attempts made to correct credit report has failed.

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 2018-04-19
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX XXXX XXXX XXXX  disputed 2 collections accounts that are on my credit report from Louisiana Recovery Services ( account numbers XXXX  and XXXX  ). It is now XX/XX/XXXX, which is pass the 30-45 day allowed time frame to respond to my dispute. I haven't received any paperwork or documentation proving or validating that I owe the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
- XX/XX/XXXX : an unauthorized transaction of {$520.00} was sent from my XXXX account. 
- XX/XX/XXXX : an unauthorized transaction of {$1200.00} was sent from my XXXX account. 
- XX/XX/XXXX : I saw those unauthorized transactions when I checked my bank balance. I contacted U.S Bank immediately to stop that transactions. They said I will get the refund within 7-10 business days. XXXX : I contacted U.S Bank again , they said I should call back if I still haven't received the refund by Monday. 
- XX/XX/XXXX : I called again and they said my refund was denied.

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 monetary relief
Consumer complaint received 2022-12-31
Company: UHG, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The law office of XXXX XXXX XXXX, sent a letter that stated he could defend me, from having my car and other property taken by XXXX United Holding group ). XXXX. The letter had a XXXX code to scan.He said United Holding group, filed a lawsuit in the county courthouse, on XX/XX/2022. I am elderly and my daughter looked at the courthouse records and did not see a suit against me. She also looked on my credit reports and there is no record. I think this lawyer is a shakedown artist. And I want to report him. I think it is illegal debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 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 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 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 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 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 XXXX  - XXXX has violated my rights. 

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

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

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 2020-02-01
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2004, a began receiving education for my XXXX degree at XXXX XXXX XXXX XXXX. I was provided funding to attend XXXX by Sallie Mae. I was only offered a variable interest rate and had to have two cosigners. Thankfully, I was able to get the loan and begin the process to become a health care professional. I began paying on my loans a year after I graduated. We were making payments with high, fluctuating interest rates, making it close to impossible most months to pay our bills. We requested multiple of times for Sallie Mae to refinance our loans to obtain a fixed rate and lower payments, but were continuously denied. We attempted numerous of times to find financial institutions to refinance my student loan, but no one would touch a private loan. Suddenly, Sallie Mae stopped collecting payments from us. We were never given any explanation. Come to find out, one of my cosigners filed bankruptcy. Somehow, this put my loan into non collection status. This happened for quite sometime. The cosigner filed bankruptcy twice in a row, I believe. I never received the full story, nor recall receiving anything from Sallie Mae. Regardless, over the years, multiple times, I've attempted to release my cosigners, to refinance my loans, and have never been successful. My loans have gone in and out of forbearance with very little, if any, communication from the company, who now I know is Navient. My loans are currently in forbearance, not sure how, but I'm not complaining. I do not have the money to pay them at this time, especially at the rate they are. I've been contacted by lawyers, but I denied their services due to being told it would hurt my credit for quite sometime ; I wasn't sure if that was the best route. I am hurting financially, and my loans are an impending doom. I feel that if Sallie Mae would've helped me in the first few years I was requesting a better payment plan, I could have my loans paid off, or at least close to, by now. I need guidance and support. I'm hoping I can receive this by reaching out to this company. Thank you for the opportunity to feel heard!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NV
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is a liar and should be placed on administrative leave pending an investigation. She fails to follow through and continues to deceive myself and the State of California. California sent the funds to reinstate the loan on XXXX XXXX2022. XXXX sorry but, you have several complaints about you and you can not legally investigate yourself. California has asked me to find out the reason why you havent applied the funds within a timely manner. The Attorney General is aware of the issues and legal issues XXXX has now created for LoanCare. California is now asking me to go after your NLMS license and continue until you apply the funds to my loan. I need your superior to follow up. Your lies and deception are not appropriate and should be dealt with immediately. XXXX shouldnt be an employee of LoanCare at this point in time. She fails to notify the company of the issues she is creating for the company and the investor. Her demands are irrational and illegal. He actions have caused me and my family to discuss legal action against LoanCare. The Veterans Affairs is aware that as a servicer of VA loans LoanCare is acting illegally and should be held accountable. This includes losing the option to invest in California home loans and loss of guarantee of all VA loans. Apply the funds and reinstate the loan 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 explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Investigation has taken more than 30 days FDCPA SECTION 807 VIOLATION Please remove this inaccurate information on my credit report Account involved in litigation " inaccurate reporting '' an inaccurate reporting of a PAID OFF ACCOUNT " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' a COMPLETELY PAID OFF account REPEATEDLY LISTED AS CHARGED OFF EVERY MONTH continues to re-age my accounts and reflects negatively on my report. 

XXXX ACCOUNT NUMBER : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated, before this account is involved in litigation. According To The FDCPA SECTION 807 VIOLATION you are reporting Misleading false information.

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 2023-09-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XX/XX/2022, I have encountered persistent issues with the Auto-Pay mechanism failing to successfully process payments to Synchrony. Despite Synchrony 's claim that the discrepancies stem from erroneous banking information linked to the Auto-Pay system, I have consistently utilized the same banking details to manually remit payments without any complications. 

I would like to underscore that I have been a loyal customer of Synchrony for over eight years, maintaining a specific account without any record of late payments. It is both disconcerting and perplexing to witness the imposition of fees totaling {$300.00} and the arbitrary reduction of my credit limit in light of these Auto-Pay issues. The latter action has precipitated a detrimental effect on my credit score, which is particularly disheartening given my longstanding and unblemished history of timely payments.

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