BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my XXXX XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then transunion added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: IA
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 sent out multiple letters to the credit reporting agency ( Experian ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX years old who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and social confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.

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 2020-02-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
bank error thief stole information well fargo gave them the money and will not refund my disputed accounts

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 2023-04-14
Company: Nelnet, Inc.
State: NY
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:
My student loans got transferred from Great Lakes to Nelnet. The way that they are handling the transfer, they are reporting to the credit bureaus that Great Lakes closed the account. Nelnet presumably will be opening a new one. This is reducing the longevity of my credit and until Nelnet opens the account, the balance is gone. My credit score just dropped XXXX  points with XXXX and now it is under 700. This is seriously impacting me because I need to move apartments, but many apartments in my city do not accept applications from people with a credit score of below 700. 

I have reported this directly to the company and will report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone has my social security number and tried to open bank accounts and credit cards with my number, Ive managed to put a security freeze on tbe accounts, Ive contacted the capital one company and told them I never had gotten the card or applied, customer service was very rude and upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: LEXISNEXIS
State: WI
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 have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin Bankruptcy Court. I enclosed a letter stating these facts and this company verifies to the Credit Burao XXXX and XXXX as if they received this information directly from the court it is unvalidated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
We have been paying on this loan since roughly XXXX the loan changed hands in roughly XXXX and we now owe more on the loan than what we originally started with and we had been making regular payments up until a few months ago. This is a XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: OK
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:
It is our contention the big 3 credit reporting agencies XXXX, EQUIFAX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. XXXX especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency XXXX, EQU XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, XXXX, EQUI and XXXX are required to " validate '' the accounts furnished by XXXX or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, XXXX claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.

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 2023-06-14
Company: Experian Information Solutions 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

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

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2022-07-07
Company: Home Loan Center, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to get a loan and started to get on but then they kept asking to send money over XXXX XXXX XXXX and now they won't leave me alone when they say they are gon na take XXXX out of my account then say they can't do.that just get a gift card for XXXX dollars and just keep pushing me and threatening me saying the cops are gon na come to my house and give them the money and all this other stuff the company is called lending tree

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was on a site called XXXX on XX/XX/XXXX, and I was looking for the new XXXX XXXX XXXX XXXX. When I found a decent looking price ( {$530.00} ) I messaged the guy and we talked and told me to send the payment {$530.00} over Zelle. I wasnt aware at the time that Zelle doesnt even have any fraud protection, like XXXX . He lied about a shipping fee, and tracking number fee ended up sending another {$120.00}. In total {$750.00} I sent to this guy and I eventually saw this was fishy, but it was too late. Now Im fighting my bank XXXX XXXX, and trying to get a hold of Zelle. Toda, XX/XX/XXXX My bank told me they did everything they could and their request was denied. I tried calling Zelle and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I need your assistance ; I have to resolve this situation, and to no avail has it been resolved. I complete a XXXX Money transfer from my Wells Fargo Checking account to XXXX XXXX, XXXX, email address XXXX. I transfer a total sum of {$350.00} on XX/XX/XXXX for the exchange of merchandise. After transferring the funds, XXXX XXXX changed her number, email, and her XXXX profile. I immediately contact Wells Fargo, provided my information, and was informed an online transaction claim would be started. A Wells Fargo representative also told me if my claim was still not resolved within the ten business days, I would be provided a provisional credit of {$350.00} until the claim was resolved. 

I contact wells Fargo today, XX/XX/2020, at XXXX XXXX at XXXX ; I was told that my claim was still being worked. I was also told the previous information received from the Wells Fargo Representative on XX/XX/XXXX was not accurate, and no provisional credit would be granted. I requested to speak with a Supervisor who said I would not be receiving credit and would not be getting my money back from filing the claim. 

I am a single parent of XXXX girls, and this purchase was for XXXX gifts. I am desperately seeking your assistance to help rectify this situation and give my kids a XXXX. I am currently unemployed and have no additional funds.

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 2023-04-14
Company: Experian Information Solutions 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:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

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 2022-04-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Financial Recoveries, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reported it to credit bureaus only XXXX has removed them, sent court documents, hired attorney to stop garnishment unconditional release of garnishee was signed dated by plaintiffs attorney XXXX on XX/XX/XXXX, financial recoveries inc after unconditional release signed again is trying to illegally garnish my wages, they have falsified documents to XXXX and XXXX   saying this is a creditor who hired them when this is a small claims case for eviction back in XX/XX/XXXX, when I requested from them meaning financial recoveries how they got this they refused to say exactly how they got this, when asked to show documents if hired by the XXXX XXXX they hung up the phone, they have stolen from me over a {$1000.00} never reported it to the credit bureaus nor have they sent any money to the courts like they are to when it comes to any and all court order judgements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For months now I get multiple calls a day from " CBE Group ''. They never leave a message. I do not have any outstanding debt and nothing shows on my credit report. 
When I XXXX  CBE Group I see countless reports that it is a scam company so I never answer the call. I always block the number but they just continue to call with a different one. I've never received any notice from anyone stating I owe money. Today I got my first text from them asking me to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The transaction in question with Identifier # XXXX was received to the account in question on Sunday XX/XX/XXXX at XXXXXXXX XXXX as a gift in the amount of {$30.00}. However, It was never deposited meaning it never reflected within the account. The company involved continuously discloses unauthorized account details from past transaction that are irrelevant to the matter and suggest a negative balance that the account did not express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, I sent my first email after a phone call with a representative at NCC Business.  They have not been responsive and never assist me when I call. I am always told that I will be transferred to the person handling my " case '' and I only get the voicemail. Many times I call and the call is disconnected after a long wait time. 

I have been trying to resolve this error because they have placed an invalid collection on my credit with all three bureaus and have done nothing to verify this information for me. 

I have disputed this case with them and have begun the dispute with the credit bureaus. This is my final attempt at resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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: Information belongs to someone else

Complaint:
I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST DT REPORTED XXXX ACCOUNT TYPE Installment ECOA  Indv. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING 9 DATE LAST ACTIVE XXXX PAY PATTERN 999999999999999999 9999999 PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT   LEVEL : B-XPN-01 B-EFX-01 COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO XXXX  ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted XXXX several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the XXXX high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.

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 2022-07-07
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my Credit Report and saw a collections for {$580.00} from Credit Management LP. It states the Original Creditor is XXXX XXXX. That the account was opened XXXX 2022. I have no idea who XXXX XXXX is. I have looked them up online and I do not know who they are. I have not recieved any communication from either company.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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