BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: LEXISNEXIS
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for your response. But I want to inform you as you already know that XXXX XXXX is a 3rd party vendor. That anyone including myself have access to. per the FCRA in order for a credit reporting agencies as yourself to conduct a reasonable and Maximum accuracy of an investigation you must verify the information with the original furnisher of the debt! When a bankruptcy is filed you must file that with the United state bankruptcy court if you are unable to verify it with the original furnisher the information that you reporting is unverifiable. As far as you reviewing all relevant information provided by the consumer is hideous! How can you verify anything that anyone sends to you with out verifying it? Again I have asked you for specific information regarding the XXXX  XXXX from the US bankruptcy court XXXX but you keep refusing. To send me any information requested you are in violation of the FCRA for failure to conduct a proper investigation! This will include you to make phone calls to the United States District Court speak with people send a letter etc Therefore this public record is not verified. Please remove the public record from the report and send me a updated credit report to reflect the deletion! 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Account information incorrect

Complaint:
I have not given Experian written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Experian on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX ( ACCT # XXXX ) pursuant to U.S.C Title 15 1681c. 

I very respectfully Experian on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX ( ACCT # XXXX ), is in fact adverse pursuant to U.S.C Title XXXX XXXX ( G ) ( i ).

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 2023-01-03
Company: Experian Information Solutions Inc.
State: MD
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-03
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XXXX XXXX i recived a phone call by a debt collector in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuseA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.

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 2023-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is a FOLLOW-UP to Complaint XXXX, regarding potential improper denial of mortgage modification by WELLS FARGO of a XXXX mortgage in XXXX, and that improper denial being subject to CFPB 's XX/XX/XXXX order of settlements to be paid by Wells Fargo. 

Complaint XXXX is the latest step seeking information and resolution from Wells Fargo since XXXX, and with new urgency since XXXX, when Wells Fargo began issuing tax documents in my mother and father 's names, and as of last week, maintained an active mortgage account in their names, with annual tax assessments reported to the IRS as recently as XXXX and XXXX, despite Wells Fargo forcibly removing our family from the property in XXXX, to avoid foreclosure and after a denied loan modification after the death of co-owner, my mother, in XXXX. Wells Fargo has owned the mortgage since XXXX, and since then continues to list the property for sale with no buyers as of XXXX. 

The complaint about prior complaint XXXX is simple : Wells Fargo communicated to ME, and address to ME, XXXX XXXX XXXX XXXX " resolution would be confirmed XX/XX/XXXX, '' in a letter received today, XX/XX/XXXX. 

ALSO today, XX/XX/XXXX, Wells Fargo communicated to you -- CFPB -- as posted to the complaint, that Wells Fargo needed " an additional 60 days '' because they are having trouble " reaching our customer, XXXX XXXX ''. 

XXXX XXXX DIED XX/XX/XXXX. Wells Fargo has asked me, XXXX XXXX, on 3 SEPARATE occasions to provide death certificates for both my parents, XXXX and XXXX. On the Wells Fargo legacy mortgage account in my late parents ' names, the contact phone number, mailing address and email address are ALL my own contact. 

I have received NO CONTACT directed to me, or my dead father, XXXX XXXX, from Wells Fargo during this time. 

They know my dad is dead. And yet, they've told you they need 60 more days because they are searching for my dead dad. 

And 10 years later, an improperly denied modification forced a grieving family off the 30 acre farm we never missed a payment on, and remains empty and for sale ever since.

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 2021-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute for a XXXX charge of XXXX dated XX/XX/XXXX with Capitol One on or around XX/XX/XXXX. My acct was first provided a proper credit to the card for the charges disputed. They sent a questionnaire via mail that I returned promptly. It was supposed to come with a self addressed envelope, but none was provided. Less than a month later I received a biased response towards XXXX as my credit was taken back simply by XXXX saying the hotel was fine when they weren't the the there. XXXX was wanting impossible requests from me as they wanted a second opinion from another business stating how services or products were defective. How can anyone judge a service or product without experiencing it? This would create legal problems for another company. Capitol continues to ask for this thru out the follow up questions. This is heavily biased questioning as they will take XXXX at their word knowing they are not on site and I'm supposed to get a second opinion. A Capitol One customer service agent admitted on the phone today before writing this complaint the second opinion was unnecessary and obviously unobtainable. Correspondence went back and forth between us and Capitol One and they claimed to be communicating with XXXX. Service was already used so I'm not sure why the cancelation was so important, but I provided everything I was given. I provided them a well thought out reasonable explanation with adequate proof to approve my claim. I faxed my last response to Capitol One on XX/XX/XXXX. I had to fax it again as my info from Capitol One did not include an envelope as indicated. Seems like they are trying to make it difficult for a person on XXXX XXXX to file a dispute. I particular think this as when I faxed my info on XX/XX/XXXX it was hardly 24 hrs later that my claim was closed for vague reasons. It also stated my credit was taken back. It's not even signed by anyone. Customer Service at Capitol One seem completely naive to the complaint and can't explain anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I had my checking account closed and Bank Of America Issued me a Cashiers Check in the Amount of {$34000.00}. I was also reported to XXXX XXXX by Bank of America as well. now I can not open another account because I'm in XXXX XXXXSo I don't have any way of depositing this cashiers check. I walked into two different bank branches asking to cash my cashiers check and have been denied because of the large amount. The first bank branch told me that the cashiers check was over their limit and they don't cash cashiers checks for that amount. the second branch told me they don't have that much cash on hand and to call them in advance so they can order the funds to be there when the check is cashed. I asked what number to call and was told the banks branch regular phone number. So I have been calling for the past 3 days about 20 times a day and I get no answer. My question is how am I supposed to cash this Cashiers Check? I have called three different branches today and still no answer. I have made over 30 attempts to call to order cash to get my check cashed. I don't think it should be my responsibility to have funds available to cash their check from their account. When funds are not available to a reg checking account holder we are charged a fee for returned check and after a certain amount of attempts we are reported to XXXX XXXX. Is it fair to say we should report this bank to XXXX XXXX as well? So can get a solution on how I can cash this Cashiers Check before the 90 days of expiration? Thank You!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-10
Company: EQUIFAX, 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 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 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 2023-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: CA
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:
All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from Experian and XXXX that have XXXX reporting my car lease/loan. Please tell me why my credit score is docked when XXXX reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources XXXX XX/XX/XXXX confirm # XXXX p. XXXX and Experian XX/XX/XXXX report # 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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX  account XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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.

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 inructions 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 2021-12-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, XXXX XXXX is being crooks and retaliating against me for filing with CFPB and XXXX 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX XXXX that was on the door stating they shut the water off. XXXX XXXX is the XXXX XXXX XXXX hired by XXXX XXXX falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. XXXX keeps harassing me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.

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 2023-01-01
Company: MoneyLion Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/2022 I woke up to find an unexpected transaction in my XXXX account for {$530.00} which was exactly the balance I had in my XXXX checking account. My Money Lion XXXX account went into my XXXX checking account without my authorization and withdrew these funds. 
I contacted both XXXX and XXXX but neither of the. seem to get ihat this was done not only without my permission but I had no prior knowledge that this was or could even happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: RI
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:
i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I reported a fraud that are hard inquiries these were placed on my account that aren't mine. 
XXXX and Equifax investigation took a day and didn't bother with my FTC nor deleted the inquiries that aren't mine. Iv called everyday the get this resolved and now feel like me rights haven't been taken seriously.

Company response to consumer: Closed with explanation