BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Identity Theft I sent Experian an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. Experian is also reporting the same account ( XXXX XXXX XXXX ) XXXX under XXXX different account numbers

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 2018-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Today I received a message via email that my " card information may be at risk due to a data breach at a business where you shopped recently. To help protect you from fraud and give you some peace of mind, were reissuing your card with a new account number and security code. '' I subsequently called the card issuer, Capital One Visa, and asked for the name of the merchant that suffered the data breach. I stated that I wanted to stop doing business with the company to avoid further risk to my account. The representative expressed sympathy with my concern but refused to name the company. 

Unsatisfied with this answer I asked to speak to a manager and was transferred to a fraud specialist at Capital One Visa. The manager repeatedly refused to disclose the name of the organization.

This is unacceptable. If a company fails to secure its data then customers should have the right to know about it. Capital One 's actions seem more concerned with protecting a company from the consequences of its data breach than protecting the individuals, like myself, who have actually suffered a real loss and remain concerned that we may be exposed to additional compromise. In other words, how can I be sure that the new card I have been issued won't be compromised again if I unknowingly return to the same business that caused the problem in the first place? 

Furthermore, how can I be reasonably expected to protect myself if companies merely circle the wagons and keep customers in the dark? This is about far more than just exposure of my credit card account. What else was exposed by this data breach? Capital One Visa should automatically be obligated to notify customers of a data breach so that customers like myself can mitigate losses and protect assets from all forms of data exposure. 

In closing, companies with insecure and/or badly managed data management practices should be exposed so that security minded individuals like myself can make educated decisions about the management and exposure of our data to companies we do business with. This includes credit card companies themselves. How can I protect myself from something I am not allowed to see?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit 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 2023-05-14
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:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX opened XX/XX/2021, 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 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 explanation
Consumer complaint received 2018-09-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Wells Fargo Bank payed for one of my bills for me without my permission. The bill was approximately {$34.00}. When I complained to the bank, they claimed that they are allowed to pay my bills for me without my permission and offered to do it again. I declined. 

The Wells Fargo Bank is denying the existence of the banking location where I opened up my First Wells Fargo Account. This location is : XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada. Recent bank mishaps appear to have lead to my wife and XXXX children coming up XXXX. My wife and XXXX children have been XXXX for two weeks and one day. 

Wells Fargo Bank has yet to return {$2.00} to the ATM machine at XXXX on XXXX and XXXX in XXXX, Nevada. The transaction was supposed to be completed about two weeks ago. 

Wells Fargo Bank asked me to make a letter head. I do not work for Wells Fargo Bank. I am simply a checking account holder. 


My Wells Fargo online account is currently inaccessible. I tried my two most recent passwords. Neither of them worked. 

All banking locations where I have visited personally : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened PrePayCard Account ), XXXX XXXX XXXX  XXXX, XXXX, NV XXXX ( opened joint account with my XXXX wife XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened a checking account ) XXXX XXXX XXXX XXXX, XXXX, NV XXXX ( employees here have intimidated me and harassed 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 2023-05-14
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX opened XX/XX/2021, 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 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 2022-03-16
Company: AES/PHEAA
State: TX
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:
FEDLOAN is refusing to count qualifying payments towards forgiveness made to prior lenders who sold my loans to them ( i.e. XXXX sold my loans to FEDLOAN ). 
No wonder people are suing them and winning!! 
I submitted a detailed schedule with my application to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: OneMain Finance Corporation
State: AL
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: TN
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'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit

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 2018-05-12
Company: DISCOVER BANK
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:
A purchase was made with our Discover card for a kit which was advertised by the merchant, XXXX XXXX XXXX, as fitting our XXXX XXXX XXXX XXXX. The kit was delivered by the merchant approximately six months after the purchase was made. We then went to our body shop for the installation of the body kit and other repairs, we were advised that this kit did not fit our vehicle. This was not the first time our shop had attempted to fit kits sold by this merchant, which did not fit. We took our brand new, unused and unusable kit to the merchant to return the defective item and requested a refund on Discover Card. The merchant flatly refused to take the item back ( mind you, the item is still brand new because it could not be used because it did not fit ) ; the item is defective and still new. 

We wrote to Discover on XX/XX/XXXX to dispute this item, we provided them with a narrative of what occurred and provided a copy of the estimate from our body shop wherein they had clearly stated that the kit did not fit. 

Discover states they completed their " investigation '' and are not resolving my dispute with this merchant. They stated that If I " find new information that I have not shared ( proof the Merchant is willing to issue a partial or full credit ) regarding this transaction, '' they will work with me. 

My Dearest CFPB, if I was being offered a partial or full credit, why would I be seeking Discover 's help in this? Does Discover 's request not appear irrational and non-sensical? I reached out to Discover for their help in crediting my purchase as this item is defective, sold not as advertised, which is that it fits the body of our XXXX XXXX XXXX XXXX. It does not. 

The merchant does not want to work with us to credit our card in exchange for the return of the item, which is unused due to it being unusable. Discover is not assisting us with this issue. 

Please help. We want this item credited as it is an defective item which cost {$2200.00} which is a substantial amount. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
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 fraud alerts or security freezes

Complaint:
This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, Experian and XXXX demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the Experian and XXXX freezes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: 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 submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While viewing my current credit report I noticed that there was a collection form Phoenix Financial Services regarding a medical bill. I have no knowledge of any medical bills. Please validate the accuracy and that the account is mine under FCRA guidelines. Including my signature and/or how you came up with the amount of {$1100.00}. All communication is to be through this website only. do not call email fax text or mail me. Please upload documents to this website only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted Equifax and XXXX XXXX and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Not my account

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2020-10-16
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
My car loan with Santander was supposed to be paid off by XXXX, but due to covid, they extended the monthly payments until the loan was paid off. I paid the final monthly payment in XXXX. There were accrued fees that were never incorporated into the monthly payment. I have continued to make the monthly amount and had a balance of XXXX dollars. I was told the payoff amount and until when it was good. I just received notification that they reported my account as last due by 30 days. I was never notified that I needed to pay the fees by my last due date. I was told if I made the Monthly amount then it would extend each month until paid. I have already requested that the delinquency be removed from my report. I had my father cosign this loan years ago- and this is absolutely ridiculous that they are reporting the final XXXX dollars in fees as late. I was never told that if the entire fee balance was not paid by last due date that it would be considered late. I have paid the balance and I want the delinquency removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to 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. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-09-28
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry Portfolio Is reporting collection on my XXXX credit report. This amount may not have been report on recent Bankruptcy because this account was found to be fraudulent by a court of law and Cavalry owner in Illinois civil court. This company Cavalry is reporting this found that I was not liable and dismissed without Prejudice on XX/XX/2014 by Cavalry 's attorney 's. This amount would have been included in my Bankruptcy if it wasn't dismissed in a court of law before the bankruptcy took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have and inquiry on my credit report that I didnt authorized on XXXX XXXX 2016. 
the company name is XXXX/ XXXX. they are mortgage reporters that is the explanation. 

i am not applying for a loan please remove this inquiry. i am not familiar with this company at all

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 2016-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian has fail to provide me with accurate and timely dipute results on negative unverifiable information on 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 2020-07-10
Company: EQUIFAX, 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 in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation