BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed account # XXXX XXXX XXXX XXXX  on my credit report due to inaccurate information. The account was deleted. I checked my report and noticed that the account was added back to my report. I called Experian today XX/XX/XXXX to ask why wasnt I notified in writing about the account being added back to my report. The rep XXXX told me the account was never deleted which is a lie because I have proof it was deleted from EXPERIAN! I would like the account deleted. I have inaccurate information reporting on my report and Experian is the only reporting bureau that seems like they are not investigating properly.

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 2020-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. On Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me.

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 2023-03-02
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: IN
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.

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 2023-05-12
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for credit through Chrysler capital online and was pre approved for up to XXXX to finance a vehicle on XX/XX/2023. about a week go by I go into the dealership XXXX XXXX XXXX on XXXX XXXX XXXX XXXX Rhode island, one of the participating lenders and bring in my approval letter that I printed from online as instructed. first I ask the dealership do they participate in ( TILA ) Truth In Lending Act. the salesmen name were XXXX and another XXXX XXXX veteran salesman and the other just started. after my question was ignored or not acknowledged told them the car I wanted to finance and then my name and social was asked to be given to complete another credit application after I was already pre approved so after I signed my name on the offer for XXXX down payment they came back and said the bank wants XXXX grand down. a week or XXXX go by I receive an adverse action/denial letter saying I'm denied due to no score. please take into consideration what the law states CODES OF FEDERAL REGULATIONS 1. ) 12 CFR 360.6 ( 2 ) speaks on transparency regarding the process of the consumer credit application being the financial asset.

2. ) 17 CFR 260.11b ( 6 ) as well states that the credit application is a self-liquidating paper.

3. ) 15 U.S. CODE 1605 states the finance charge does not include charges of a type payable in a comparable cash transaction.

4. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2020-10-17
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Regarding : CONN 'S APPLIANCES INC XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. 

XX/XX/XXXX CONN 'S APPLIANCES INC ( Conn 's ) checked my credit via XXXX, and neither Conn 's nor XXXX  contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account.

Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that Conn 's extended credit.

This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the FACT Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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 account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX Account # XXXX, and Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXX, have 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, no 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 a 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 explanation
Consumer complaint received 2021-11-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX confirmed in XXXX way call with Wells Fargo Bank and scammer that fraudulent activity as happening on my account. 

XXXX filed claim with Wells Fargo Bank for fraudulent activity. 

Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX requesting to speak with supervisor/ investigators. Advised to pull the call on XX/XX/XXXX between real Wells Fargo representative and scammer. Requested fax or email to send proof that the fraudulent call came from Wells Fargo number. Advised under Regulation E ; should be protected. 
- On every call Wells Fargo would not allow me to send proof of scam. They would not allow me to speak with investor. They advised twice a supervisor would call, no one ever called. They would not listen to the recorded call in XX/XX/XXXX. 

XXXX received denial. Requested to file an appeal. Was advised, if they file an appeal, the same outcome will happen. They would not reopen claim.

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.

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 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was browsing XXXX for merchandise and came across the XXXX XXXX XXXX XXXX. I went to the XXXX website ( XXXX XXXX XXXX  ) directly and pre-ordered their product for {$290.00}. The development was indefinitely delayed, and I contacted the seller requesting a refund. I disputed it with my bank Capital One with no success on my chargeback request and was denied a refund. I am occasionally contacted by someone at the company with the email address XXXX, and they have some vague detail as to why the product has been delayed and requesting more money from me due to rising shipping costs. This product has been in development for several years, and every time they come close to a deadline, they delay their release again and request more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: NJ
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. Account Number : XXXX, Account Name : XXXX  XXXX. Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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:
I sent a dispute letter Experian on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this 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 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My capitol one card was debited on XX/XX/XXXX for the amount of XXXX, onced debited the amount of XXXX was removed from my account available balance. Once the transaction finally settled, it settled for XXXX and i was suppose to receive the remaining amount of XXXX which i have not received to this day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fruad inquiries appearing on three of my credit reports.

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 2019-01-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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:
XX/XX/18 I filed a preliminary complaint with CFPB because Navient failed to send me notices about the status of my loan and I did not find out there was an issue until they posted late status information on my credit. 

I provided documentation proving that I was in school the year prior under which circumstance my loan should have received an in-school deferment for a period a few months since it was a summer term and subsequent to that I still had the option to go into forbearance. Navient applied the forbearance and brought the loan current, so instead of my account being in repayment status the first quarter of the year I did not have a payment due until XX/XX/2018. 

Several representatives have argued that they brought my account current, but they will not remove any late payment entries. I tried to explain to them that backdating a deferment or forbearance is fundamentally contradictory if they are not going to remove the late payment entries, because by approving the deferment or forbearance you are essentially moving the due date and saying that you don't have to pay your loan back now. By Navient refusing to remove the late payment entries on a borrower 's credit they are penalizing them for missing the old due date, compounding the interest, and setting a new due date that says you didn't have to pay it. 

What's more is that my loan was transferred from Sallie Mae to Navient and what upholds the validity of the debt through the transfer are the terms of the master promissory note. It was Sallie Mae 's practice to remove any late payment entries on a borrower 's credit if they approved a deferment or forbearance. This wasn't a matter of altruism, but rather a fiduciary responsibility to comply with the law. Section 623 ( a ) ( 2 ) Duty to Correct and Update Information.

Denial of a deferment or forbearance would be justification or not updating a borrower 's credit report ; however, approving a deferment or forbearance says that Navient has elected not to enforce payment of debt. Reporting a late payment to the credit bureaus is an debt enforcement action which is in direct conflict with approving a deferment or forbearance. 

This does not just impact me, but hundreds of thousands of borrowers and I believe this is yet another egregious misinterpretation of the law and their responsibilities to its borrowers. This is an argument I believe is worth being heard before a judge, but it would exemplary if Navient would just re-examine this practice and make a change on their own without having to be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$950.00} Creditor is charging a debt in which as a veteran I do not owe. All medical payments should be submitted to the Veteran Affairs XXXX facility nearest to the hospital of visit for payment. All document and information was provided to the medical facility. The medical facility failed to seek payment from the Veteran Affairs as instructed. This debt is not mine and I request the collection be REMOVED entirely from all 3 credit bureaus.

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