BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without 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 explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: CT
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 have attempted to communicate with each company. To provide proper identity to prove that accounts are not a match. All companies ' agents are located offshoreissues must be delegated appropriately and resolved. Customer service could have been more cooperative in several attempts to resolve the matter.

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 2023-02-12
Company: Experian Information Solutions Inc.
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:
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 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 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 2022-07-12
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:
XXXXXXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, 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 an account without 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 2019-10-10
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I went to an ATM to access my funds that were deposited on XX/XX/XXXX. I was unable to access these funds because my card was expired on XX/XX/XXXX. I had not received a replacement card prior to XX/XX/XXXX. Upon calling the Go Program Customer Service number at XXXX, the first person I encountered tried to charge me {$5.00} for an additional card to be sent within 7-10 business days, OR {$10.00} for a card to be sent to me within 5-7 business days. This fee was finally waived when I asked the first agent to speak to his supervisor. He placed me on hold, came back and announced he could waive the fee. Upon asking me if I had anything else he could do for me, I said yes. I needed my Online Account unlocked. The agent said he would issue a ticket to fix this problem and it would take up to XXXX business days to resolve. I told him this was completely unacceptable since I rely on these funds to pay my bills and feed my XXXX children, and that these funds were supposed to be available to me on XXXX, and MyGoProgram was denying me access to my own money. I asked to speak to the Information Technology department personally to resolve the issue immediately. I was informed that my request was an impossibility since there was no way to access the IT department by phone. I was then transferred to a 3rd Agent, who, after explaining what I had been through with the other 2 agents, offered to expedite the sending of my new card and has guaranteed the delivery of my card by XX/XX/XXXX by XXXX. She also stated that when I activate my new card, then the ability to transfer funds electronically would be unlocked online. 

The problem with this company firstly, the expiration status of my card should not be electronically connected to the access of my funds online. Second, the IT department should be accessible immediately for families like mine who depend on their funds to be available to them when promised. Thirdly, the amount of time, the extent to which I had to complain including a total of 3 different agents is unacceptable customer service. This company operates under sub-standard policies, have only their own best interest in mind, and have poor access to urgent functions such as IXXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Okay I was trying to get a loan with this company I was banking with Wells Fargo at the time they tricked me into getting my information so they can put fake deposit checks on my account they also told me to verify that the money sent so they told me to XXXX XXXX then right then and there I should known it was fraud but I never thought of it like that I thought it was a legit company so days letter Wells Fargo email saying that the checks that was put my account was bounc checks and I never knew that they was going my account to do that I called for a XXXX dollar loan

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 2023-07-27
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2021-05-21
Company: EQUIFAX, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry on my credit report XXXX XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: VA
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 under15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 an 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 or Any other adverse item of information, other than records containing convictions of crimes which antedates the report 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Account information incorrect

Complaint:
Mortgage payment XX/XX/2021 wasn't late. I always paid on time as agreed. See attached account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by XXXX XXXX that a debt collector had place a unpaid debt to my credit reports. I had never been emailed, written mailed or called about this debt. I called the company and they admitted they did not contact me. They have stated that they will remove the negative report that they unjustly and illegally put on my credit. But have stated that it will take 5-45 days. That may just be too late. 
Company information ERC XXXX XXXX XXXX XXXX FL. 
XXXX XXXX Ticket number for my case XXXX I have never had a debt collection on my credit. I'm 15 days away from signing for my first home loan. My family and I have already given up our current home. What are we supposed to do if my loan is turned down because of ERC illegally putting this bad mark on my credit.? 
My family and myself are devastated. I am a XXXX XXXX XXXX man with a family that depends on me to provide for them. I have XXXX  XXXX XXXX and just came out of a pandemic that has made life very hard for people with XXXX  conditions This has dropped my credit score over 20 points and I'm not sure I can rebuild it fast enough to continue with my home loan. I could possibly be sue by the home seller and my family and I will be scrambling to find a place to live. 
Here 's the kicker the debt was for {$83.00} with a company that I am still a customer with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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 with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A 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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, IT WAS BROUGHT TO XXXX XXXX XXXX ATTENTION, THAT HIS CAPITAL ONE 360 BANK ACCOUNT WOULD BE RESTRICTED, AND HE WOULD UNABLE TO WITHDRAW CASH FROM ACCOUNT. AS STATED IN A EMAIL AND ONLINE ACCESS TO MY ACCOUNT : YOUR FUNDS ARE CURRENTLY NOT AVAILABLE FOR WITHDRAWAL. PLEASE CONTACT US AT XXXX. 
ON XX/XX/ HE DEPOSITED XXXX CHECKS : XXXX CHECK FOR {$60.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
XXXX CHECK FOR {$850.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
BOTH CHECKS HAVE CLEARED THE BANK THAT THEY ARE DRAWN UPON. AS OF TO DATE MY ACCOUNT HAS A BALANCE OF {$910.00}. 
XXXX XXXX XXXX ATTEMPTED TO CONTACT PHONE NUMBER XXXX, AND LEFT A VOICE MESSAGE TO THAT ASSOCIATED NUMBER GIVEN TO HIM ON HIS ACCOUNT INTERNET WEBPAGE. XXXX XXXX LEFT A TOTAL OF XXXX VOICE MESSAGES FROM THE DATES OF XX/XX/2023 TO XX/XX/2023. UNFORTUNATELY NO REPRESENTATIVE OF CAPITAL ONE BANK ACCOUNT HAS RESPONDED TO HIS VOICE MESSAGES. XXXX XXXX ALSO HAS EMAIL SEVERAL EMAIL ACCOUNTS WITH CAPITALONE.COM ADDRESS TO IT. THERE HAS BEEN NO EMAILS ADDRESSING THE SITUATION OF XXXX XXXX RESTRICTED CAPITAL ONE BANK ACCOUNT. 
SINCE XX/XX/ TOXX/XX/2023. XXXX XXXX XXXX HAS NOT BEEN ABLE TO ACCESS HIS FUNDS THAT ARE CLEARED AND RIGHTFULLY HIS MONEY TO WITHDRAW AT HIS DISPENSE. 
CAPITAL ONE 360 BANK ACCOUNT HAS BEEN RESTRICTED. UNDER THE NEVADA REVISED STATUTES THE HOLDING OF CASH IN A DEPOSITED ACCOUNT THAT THE CHECK HAS CLEARED. THE FUNDS TO BE AVAILABLE PER DATED THAT IS FULLY DEPOSITED. CAPITAL ONE 360 BANK HAS VIOLATED THAT LAW. BOTH STATE AND FEDERAL LAW. 
UNDER THE : Comptroller of the Currency XXXX of National Banks Does the bank refrain from delaying funds avaiility beyond a reasonable time period? [ 12 CFR 229.13 ( h ) ] NOTE : An extension of up to five days for local checks and six days for nonlocal checks is considered reasonable. 
I HAVE TRIED MY BEST TO COMMUNICATE WITH CAPITAL ONE BANK 360 CHECKING ACCOUNT. I HAVE LEFT SEVERAL MESSAGES AND VOICEMAIL AND FAX 'S TO CAPITAL ONE BANK AND GET NO RESPONSE BACK FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAVALRY INVESTMENTS, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry SPV I, LLC refuses to validate debt after multiple attempts. 
On XX/XX/2021, a 609 letter was sent to bureaus and Calvary to validate debt through " physical verification of the original signed comsumer contract ''. 
A response was received on XX/XX/2021, Per your request, please find enclosed the verification of your debt. Your account is now subject to resumption of collection efforts. The only thing attached to this letter was an erroneous bill without any verification and without giving me a chance to respond by stating my collection efforts will resume. 
The next day, XX/XX/2021, I sent a failure to validate letter again stating my rights by law and laws stating they need to validate further. 
On XX/XX/2021, I was sent exact same generic letter and erroneous bill without any changes in response. Cavalry only changed the date at the top of letter and sent same exact information to me.

After sending yet another letter for verification, Cavalry sent the same exact information a third time on XX/XX/2021, without any changes except the date. 
Cavalry is not only giving me the run around with validating they are completing lacking abiding by the law and the consumer by ignoring all requests and simply copying and pasting same responses with only a change to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American car center said that I have not made payments so Westlake had work with a debt that is not mine. The customer service us impossible to get in contact with and they have repoed my car and still trying to charge the repo fees twice. This has really effected my credit and Im that is not ok

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been getting different information from FedLoan Servicing regarding the public service loan forgiveness ( PSLF ) program. There have been problems throughout the entire term of the loans with respect to how payments have been calculated, but I have been employed with a qualifying employer for well over 120 payments at this point. I called to inquire about how to submit for loan forgiveness. I was told that I would need to submit the PSLF Certification and Application form once to certify my continued employment and calculate qualifying payments, and then submit it again for the process of loan forgiveness. I submitted the application form ( as I have done annually for years ) on XX/XX/21 and had no response with regard to qualifying employment status or payment counts. When I called to follow up on this on XX/XX/21, I was told that because it was submitted via means other than the PSLF Help Tool that processing would likely be delayed, and could be given no time frame on when this would be reviewed. There was never any indication that one modality of submission would result in any difference in processing time. I still had no update through XX/XX/21 and contacted FedLoan Servicing again. At that time they suggested that it would be faster to resubmit the application through the PSLF Help Tool, which I have since done on XX/XX/21. I was also informed at that time that the form would only need to be submitted once, and that I would be automatically submitted for loan forgiveness if I had 120 qualifying payments on the loans. The inconsistency of information provided leads to confusion and increase potential for errors/further delays. I am also concerned that this could lead to a denial in loan forgiveness if submitted incorrectly. If payments resume in XXXX, this could translate to thousands of dollars in unnecessary costs to me due to delays and misinformation, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello. I paid off a car loan that I had with Bank of the West. They sent me a " Certificate of Title, '' and told me in a letter with the title, to take it to a titling agency to release the Bank of the West lien. I called a couple of titling agencies who said they do not do that. I then called my LegalShield lawyer service who said I must take it to the DMV to update the title, but that Bank of the West is shirking their responsibility in making the customer take this step. ( I did not have to take this step when I paid off my first car loan. )

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without 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 explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-12
Company: EQUIFAX, 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: 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 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 explanation