BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: Global Lending Services LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
I was listed as affected by the Equifax data leak. 

The company has made no attempt to contact me. 

Their potential impact website and pin unlock process is not sufficiently secure or randomized. 

I am disappointed in their delayed announcement, arbitration clauses for resolution agreements, and that they are trying to charge for future fraud monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Midland Credit management with Big bold heading stating " PRE-LEGAL NOTIFICATION '' also states they may proceed with forwarding this to a lawyer if I don't pay account in full. Also states if we forward your account to attorney this results in a lawsuit against you. 
This is the first I even heard from this company with this alleged collection and they are threatening to sue me. 
They also re-aged the debt ( Ive attached a screen shot of the most current credit report for support of proof. 
The amount on their letter is higher than what's reporting on the credit bureaus also. 

I responded with a letter and have not heard back. Ive attached their letter and my response letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: GA
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 asked the credit reporting agency to check everything on my credit report, they said they did, said everything was correct and verified, but I still found mistakes on my report. 
account # XXXX ... ... U.S. DEPARTMENT OF EDUCATION. In accordance with the Fair Credit Reporting Act. XXXX account # XXXX has violated my rights 15 USC 1681 section 602A states that I have the right to privacy. In 15 USC 1681 section 604A section 2 states that a consumer reporting agency CAN NOT furnish a account without my written instructions. I need thus account removed.

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion is asking for information to verify my identity. This information was sent to TransUnion on XX/XX/2022, complaint XXXX. The credit bureau seems to be stalling with the investigation process and prolong the investigation. This company is breaking the law according to the FCRA.

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 2021-11-22
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation of the federal laws. By reporting any payment history and transactional history not limited to student loan, auto loans, credit cards, installment loans and other accounts without my permissible purpose, Fedloan Servicing is found to have violated many federal and state laws. As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Fedloan Servicing. Fedloan Servicing Does NOT have my permission to report any of my PRIVATE business to any third party consumer agencies to be placed on my consumer report. Please remove all the accounts listed on my consumer file. 

PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send letters to XXXX, Equifax, and XXXX. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. 
Please provide proof that the proper reporting standards were followed so this can be resolved 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 non-monetary relief
Consumer complaint received 2022-01-10
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid off Care Credit/Synchrony Bank in late XXXX early XXXX, I can't find the proof and my bank is assisting me with this. I am buying a house and when the credit was ran in XXXX this was not on the report. They ran again and now it is on the report even though I paid it off. I need a letter stating that there is a XXXX balance so I can buy a house so I paid it again on XX/XX/XXXX. It came out off my bank on XX/XX/XXXX, Synchrony will not issue a letter for 21 days even though there is a XXXX balance, I should not have to wait for 21 days when the money is already out of my bank.

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 2017-09-09
Company: EQUIFAX, 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:
Recently Equifax experienced a data breach and according to their records, my personal information was compromised. They are providing some services but the disclaimer attached to those services requires that I sign away my rights to involvement in any legal action that might be taken against them in the event that I suffer a lose or damage and would attempt to exercise my legal rights against them. I feel that this is not an appropriate action to take against consumers who have been harmed by Equifax 's failure to protect consumers ' information. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX but nothing has been done.

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 2021-09-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First a text message from TD bank was sent to me that someone was trying to make a purchase in Ohio with my debit card. I answered NO as of no it wasnt me. Thats exactly how TD bank works. Next text message said the representative will call me. A fake Td representative called and said someone was trying to change my username so I need to confirm the original one and my social security. Soon after I provided all the information they said we need to confirm my phone number and IP address. So they sent me messages which i was supposed to confirm. All those messages withdrew {$200.00} from my account. So there were like 8 messages i confirmed. After I hang up {$2000.00} was missing from my savings. They transferred {$2000.00} from savings to debit and used XXXX to withdraw. I became a victim of a fraud and I want my {$2000.00} back. TD bank files filed a dispute and later said they wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Wells Fargo with my name. 
I have not applied or have any business with Wells Fargo. It is tied to another account, in which the agent I reported to could not give me information about, inclduing a telephone number.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/19 I was a victim of identity theft when someone used my information to open a alternate discover account. Since, I have disputed the information with a FTC report, Police report, and provided additional information to support my dispute. I requested that the credit bureaus removed or block this information under the 605B and it has not been done within the timeframe by law. I request the all 3 credit bureaus honor my request or FCRA violations will filed against each bureau for the violations.

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 XXXX XXXX XXXX agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is 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 2018-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I voluntarily without any contact from the collection agency called XXXX XXXX to pay an charged off account. I was referred to PRA, Portfolio Recovery Associates, LLC located in XXXX, VA to make the payment. I spoke to representative over the phone for a few minutes, made a payment in full, and the woman indicated, if XXXX XXXX XXXX is reporting to a credit bureau they would update the records. At the time of the payment none of my credit reports ( XXXX XXXX XXXX XXXX ) were reflecting any adverse reporting from that company. Since the date of the payment I have had adverse reporting that lowered my credit score by approximately 100 points, affecting my interest rates as well as my ability to borrow etc. I have been in contact with the company in writing via email, fax, and USPS delivery confirmation mail on more than 6 occasions presenting them their own correspondence and requesting them to delete this information pursuant to their correspondence as they were reporting previously and the reporting did adverse against my credit. The customer service in the disputes department, the compliance department, and the office of the president all has failed to reply in a professional fashion and have continued to have adverse affect on my credit reports with XXXX. 

On the basis of the correspondence from their offices they are engaging in Fraud by Radio, Television or Wire, and or False Statements. Publishing information that impedes interest rates, financing, and other monetary matters via false statements. 
18 USC 1343 18 USC 1001 Request to have all reporting deleted post haste from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I submitted a bill pay request to Capital One to have a check for {$3400.00} mailed to my property manager for repairs. The funds were deducted from my account, and Capital One states that a check was mailed. However, the property manager informed me that he has not received the check and the bill is now overdue. 

I contacted Capital One about this on XX/XX/2022, and was informed the check they mailed has not been cashed but they would need to investigate the issue. 

On XX/XX/2022, I called to follow up on this. I was informed that the money would not be refunded to my account and there was no further action I could take. I was not provided with an explanation of where the funds are given that the check has not been cashed but the funds are no longer in my account. I was not provided a route to have this bill pay issue corrected or to have the funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I contacted Wells Fargo Bank in order to refinance with cash out and lower the interest rate on an existing loan with them. My desire was to refinance the loan and cash out {$30000.00} which would have brought my new mortgage to about {>= $1,000,000}. My Wells Fargo representative was XXXX XXXX. On or around XX/XX/XXXX on a recorded line, I informed her that I had a mortgage foreclosure with Wells Fargo Bank that dispositioned in XX/XX/XXXX. She stated she had run my credit using my social security number and was UNABLE to find it. She completed my credit application using the information she found on my credit report. I never personally completed the application. The process proceeded with me submitting all requested documents and paying out of pocket expenses of {$540.00}. for the property appraisal. The property was appraised at $ XXXX+ on  XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX informed me that the Underwriter had located the Foreclosure dated from XX/XX/XXXX. My application was denied for refinance due to the Foreclosure. I inquired about refunding my money for the appraisal, as I had informed Wells Fargo early on that I had a foreclosure in XX/XX/XXXX. Ms. XXXX stated that my appraisal may still be valid by the time the seven year mark ( XX/XX/XXXX ) and that I may use the appraisal at that time. I told her that was foolish due to real estate being a very dynamic and volatile market. That appraisal is a dead document at this point. Not worth the paper it's written on. 
I reached out to Wells Fargo XXXX XXXX and XXXX XXXX and XXXX XXXX handled my case. I requested that my appraisal fee be refunded. My argument was that I told the Wells Fargo representative early on in the process that I had a foreclosure in XX/XX/XXXX. I could have avoided wasted anticipation, expectation, and most of all money if she would have informed me that I would not be approved based upon the recent foreclosure. 
Mr. XXXX sent a letter dated XX/XX/XXXX denying my request for the refund of the appraisal fee I paid. 
Wells Fargo has been in the news lately for their practices and missteps. I believe that I was wronged in this incident, and respectfully request that their business practices be investigated again. 

Sincerely, 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