BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Both of these accounts Capital One Bank Usa acct # XXXX and XXXX XXXX acct # XXXX are both reporting on XXXX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..XXXX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. Capital One should not be reporting ... .it was closed due to fraud and XXXX  just recently reported it 30 day late ... ..XXXX XXXX is also a fraudulent account that XXXX  stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on XXXX  is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of XXXX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from XXXX  in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NM
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 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 non-monetary relief
Consumer complaint received 2023-02-23
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:
I am writing to formally dispute the claimed debt identified above. Despite my previous attempts to provide relevant information, I received an email from Experian on XX/XX/XXXX, indicating that my request to block information was made on a material misrepresentation or error. This response is unacceptable, particularly given the sensitive nature of the matter and the legal implications involved. 

To clarify, I have already submitted numerous pieces of information about this account, including a certified mail sent to Experian on XX/XX/XXXX. This certified mail included copies of the FTC complaint, police report, identity theft affidavit, utility bill, copy of driver 's license, copy of my Social Security card, and a copy of FCRA Section 609 ( e ). As a consumer disputing claimed debts under the US Constitution and the law of California State and US Federal Law, I reserve and invoke all legal rights to which I am entitled. 
I wish to remind you that by violating my FCRA 609, the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, you are putting yourself at legal risk. You may be liable for your willful noncompliance, as seen in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ). Therefore, I urge you to take immediate action and remove this inaccurate and incomplete information, specifically the XXXX XXXX XXXX account number XXXX, within the next 30 days. 

Should you fail to comply with this request, I will be left with no choice but to file a formal complaint with the Federal Trade Commission. Furthermore, if this final request does not prompt you to conduct a proper investigation of this account in question and provide me with proof of said investigation, I will be forced to file a civil suit in my county for damages. Please be advised that I take my credit very seriously and your lack of professionalism and assistance is deeply disappointing. 

I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I urge you to handle this matter with the utmost urgency and professionalism and to comply with my request as outlined above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXX disputes was submitted for unauthorized inquiries, inaccurate public records, and addresses. I called in multiple times and spoke with many reps who then would transfer me to the Office Of Consumer Affairs saying they are the only ones that can help me. I spoke with XXXX on XX/XX/XXXX and she requested that I submit proof of identity via docusign. I submitted the information along with my Identity theft report from FTC. I called back to make sure it was received could not reach XXXX again. Upon arguments with many reps I decided to reach out to the CEO and XXXX XXXX via email but no response. I received a call on XX/XX/XXXX from XXXX in the Executive Office of Disputes and explained to her the situation and she stated that she would contact XXXX in Office of Consumer Affairs and would contact me back. On XX/XX/XXXX I checked my credit report via TrustedID ( which has been deleted and I currrently have no access to ), XXXX XXXX, and XXXX  which all stated that 6 Derogatory Marks, 9 accounts, and 85 hard inquiries were removed. I then called in and spoke with another XXXX XXXX and advised that all of my information has been deleted from my file. He then stated to me he could not by law reinsert the accounts and that I would have to wait until the creditors report it which is usually 30 to 45 days. On this same day XXXX calls back and I advised her that my file had been deleted and she argued me that it hadnt. I advised her the rep had just admitted that it was deleted. Nothing was done. The very next day everything had been reinserted even items that were previously disputed and removed. I checked TrustedID to view the report from XX/XX/XXXX that was once there and it had been deleted. That is in violation for FCRA due to not being notified of reinsertion. From then on I have NOT been able to view my Equifax credit report. I have twice been sent docusigns to send in proof identity and they still will not update my credit file to reflect my correct address. I have also requested validation of disputes and have been refused. Something need to be done about the practices of this company. This company can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I don't know if the category is correct or not. I sent a copy of my identification with a request for an annual fee credit report. TransUnion sent me a post card requiring identification and recent proof of address. 
A copy of the id was already sent in. I re sent them another copy of the ID, and the post card back to them as proof that I receive my mail at the address given. It makes no sense. No one is going to send an address where they aren't receiving mail. This is the second time TransUnion has refused to send my consumer report to me. I requested in 2021, they sent a post card requiring proof of address like a utility bill less than two months old, an another copy of my ID. They never did send the consumer report. This time, I want them to send the consumer report. They are required by law to send it, and there is nothing in the law that requires me to send them a utility bill, or any bill less than two months old in order to receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Year XXXX of XXXX. Great Lakes is who has my loan under consolidation. Before my loan was consolidated, I contacted Great Lakes questioning twice if the correct balance and the payments that I made to XXXX XXXX under Dept. of Education collections will the payments be applied to my consolidation once completed. Great Lake reps stated yes. XXXX XXXX rep XXXX when I was under them stated any payment which was the {$200.00} during Covid in which I did not have to pay, that it was going toward the loan ONLY. When the loan transferred to Great Lakes the full payments totaling {$200.00} did not transfer. They transferred only a few dollars. Contacted XXXX for a receipt since Great Lake stated they needed two wks ago in which nothing was done. I called XX/XX/XXXX spoke to first rep, he was lost with what my concern was so I requested a supervisor. XXXX ref # XXXX was repeating information that we both could see in which was the same information i explained to her even after I let her know that this is not what you all with Great Lakes told me while waiting for the consolidation transfer. I told her that they ask for a receipt and still nothing has happened. Instead of just letting me know that you don't know what to do you just sat on the phone listening until I ask what is the next step that you all need to take. She mentioned the next up of her manager. They are not trying to help anyway get there account corrected with the correct balance even after they requested a copy of receipts. I just want my loan amount corrected because this is my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX of XXXX, during that time I was a victim of identity theft, I had a retirement IRA account with Wells Fargo and they allowed the thief to withdraw my money in four different withdrawal amounts. Its two accounts total. The first one is XXXX and this one they took a total of {$27000.00} and on account XXXX on this account, they took the {$7100.00} I am more concerned because this was done more than 60 days ago and I am sure now the IRS is involved and I do not know how to handle it. 
I have learned through investigation. The name of the thief is XXXX XXXX this person change my address to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, from my understanding banks, should not allow XXXX XXXX XXXX, Wells Fargo mailed him the paperwork. He signed it and send it back. They didnt check proof of signature or anything, and sent him the money. signature shouldve been matched, I did open the claim with him and then a week later to find out that I had no Claim open.. this is why I need your help, this is a very urgent matter is the IRS are now involved.

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 2022-08-09
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 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 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, I hope this message finds you well. I have been reviewing my credit profile for months now and seen inaccurate information regarding ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) in collections as XXXX XXXX. They are reporting on my profile more than once. The status is reporting as a charge off. It is my understanding that once you are in a charge off payment status there is not suppose to be a balance that is reporting. They have a balance reporting as well as inaccuracies across the board where the date open and date of last active differs between XXXX and XXXX. XXXX reports the same account with a status of late 120 days. The entire account is not reporting the same and I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged account. This makes me angry that my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesnt ' this goes against FCRA ? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the dates that i've mailed out letters to each Bureau

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 2018-04-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Greetings my name is XXXX XXXX. I have been trying for weeks now to get Wells Fargo to refund money I sent from my bank account to another account. This all started on the XXXX of XXXX. I sent an ACH transfer from XXXX XXXX XXXX  to my XXXX   account. The money has to go through Wells Fargo to get there. The total amount sent was XXXX. I setup the transfer from XXXX XXXX XXXX online it only took me a few minutes to complete the transaction, I hit send, XXXX XXXX XXXX  sends me the confirmation the transfer is going through and will be sent by next day. Friday came no money was in the account. Monday and Tuesday came still no money in the XXXX account. So I called XXXX for the next 5 days asking why the XXXX had not posted to my account. XXXX does an investigation and they can not find any trace of the money coming to them. So I contacted XXXX XXXX XXXX  and was told that the money was sent and they received confirmation from Wells Fargo that they received the money. I contacted XXXX again and told them the bank sent the money and it should be there. XXXX does a longer investigation for about 1 day and still they could not find the money. I recontacted XXXX XXXX XXXX and they started and looking into it and found out that Wells Fargo was sending the money back to me because the routing number was incorrect. It should be returned to me in about 1-10 business days. 10 pass and nothing from Wells Fargo, I contacted XXXX XXXX XXXX  and ask for a claim to be filed against the money I sent. I called 5 days later and XXXX XXXX XXXX  told me Wells Fargo still has not contacted them. Next I file a claim against Wells Fargo on the XXXX XXXX XXXX website and awaited a response that came. I was told that there wasn't much that person could do to look into the matter and I needed to speak with XXXX XXXX XXXX. It is now now 4 weeks later I am still waiting on a response from XXXX XXXX XXXX  from Wells Fargo and the person who handled the transaction and still no answers. This should not take this long.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws. 

Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt. 

Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA. 

Additionally, I believe that XXXX XXXX  XXXX XXXX account has been charged off unfairly, and this violates the FCRA and XXXX. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA. 

Finally, I believe that XXXX XXXXXXXX XXXX account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA. 

Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights. 

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 explanation