BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had went to my bank XXXX to apply for a loan and there was a capital one credit card with a balance of {$10000.00} on my report which is not mine. I attempted to contact capital one and they claimed that there was no account like that in my name and they would look into it I also filed a report with XXXX as well and both claimed that there was no account that they could see. But it is still showing up in my credit report. I am wanting this removed and I dont know how and I have been working on ways to get it figured out but not sure what else I can do so I thought I would try with you guys. I also received a letter from a bank XX/XX/ stating that there was a savings account opened in my name, which once again I never opened. I called bank and requested to open a fraud alert on it and it was closed. And they told me to contact the FTC which I am doing now and also call XXXX and XXXX XXXX which I am also going to do today XXXX would like to put an alert on my social security and my credit so this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Account status incorrect

Complaint:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXXXXXX 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 2021-07-19
Company: EQUIFAX, INC.
State: NJ
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXXXXXX

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 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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

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 2020-01-06
Company: PLANET HOME LENDING, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Planet home lending would not give the payoff to the law firm. On XX/XX/XXXX the law firm contacts me saying they need me to send in a request. On XX/XX/XXXX I sent in the request. On XX/XX/XXXX o called to verify and see where we where on the pay off request. I was then told they received the request but did not process it because I did not send in the authorization for the request. While out of town I write up a document and fax it immediately. I call back that same day to verify and Im told it is being processed. XX/XX/XXXX I spend most of the day on the phone with them. I called early in the morning and was told it is being sent out today. I ask for a email when its done, Im placed on hold then the customer service guy gets back on the line and tells me they never received the authorization. I ask how it can be sent out today like he said if the authorization was not there. He informs me I can take a picture of the authorization and email it, so I did. I was told it will be processed today. I informed them throughout this process that closing was happening on Monday and throughout this process I was told it will be sent out today. Now here it is XX/XX/XXXX and the realtor calls and says they are at closing and still have not received the the payoff. This information is not something that I can see on the website and the only contact with them is through customer service who can only email and wait for a reply. Now because of their incompetence closing is being pushed back. I can not proceed with paying off my VA loan and another XXXX is stuck not being able to move in. When I call Planet Home Lending I get the same scripted information saying its being done today. This is by far the worse customer service I have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Colony Brands, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Capital One credit card, I recieved a phone call a few days later to verify my identity. After passing the identity test or whatever I was told that I would be mailed out a card. 

Now I am being told that I need to verify my identity again before the card will be sent out. I tried using the website to upload the documents, but the website is not working. It keeps giving me an error message ( picture attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was monitoring my credit report and noticed a collection from Wakefield and Associates. I contacted Wakefield and Associates since this is the first time I've ever heard of this debt. Wakefield and Associates provided very little information on the debt ... They  stated they tried to contact me once by mailing me a letter. This letter was mailed to my emergency contact 's address on my medical forms and not to me. When I asked them to provide the contact information of the original creditor. All they could provide me with was an abbreviation of XXXX XXXX XXXX XXXX but they do not have an address or phone number for their own client. They told me the services was provided by a Dr. XXXX but the hospital where are the services were provided has never heard of a Dr. XXXX ... .. 
Lastly, I had insurance when I went to this hospital. There was a dispute between the doctor and the insurance company over the bill due to a incorrect diagnosis by the doctor. The doctor provided medication which worsened be conditioned and I had to be reefing at a medical facility which corrected the problem. Therefore the payment dispute lies between the insurance company and the doctor 's office and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These following hard inquires show on report and are not mine. I called In twice on this issue and they still show on report. 
XXXX. XXXX XXXX XX/XX/22 XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX  XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 All above should be 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have not authorized these hard inquiries from my credit report, I request them to be removed, as they are not factual information of my report. these are the fraudulent hard inquiries. 
XXXX 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 2022-09-15
Company: AES/PHEAA
State: UT
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:
Earlier this year the student loan amount was lowered and my credit score has yet to be reflected on that new low amount and I would like to have that updated it has been over 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX 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 US DEPT. OF EDUCATION/XXXX XXXX XXXX XXXX XXXX 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 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 2021-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 disputed these accounts with XXXX  and they only removed one. All 3 accounts were fraudulently opened. 

Bank of America {$690.00} ( Suspected Fraud Activity ) Bank of America {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED

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 2022-01-25
Company: ENOVA INTERNATIONAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a line of credit on XX/XX/XXXX. I took out a few advances, and have set up auto pay at beginning of line of credit. 
When I took advances off the line of credit, they took some money off out of the money I borrowed at beginning, and than they also charge money per each billing statement, which is twice a month, I am making payments in between pay dates, and they are not applying them to my principal, and taking almost 80 percent toward fees, and than postponing the extra payments for days, so the balance isn't decreased before the next statement date, however the money is deducted from my bank account the next day, and there computer system leaves it in pending so they can get more fees, I have also called and tried to get a manager on the phone and was refused and said I have to wait 24 to 48 hours, I also tried to make a full principal payment over the phone and my payment was denied, because they said they can't promise me the whole amount would go to principal payment, and my payment isn't due until XX/XX/XXXX, I had alresdy made a XXXX  dollar extra payment, and they took fees from that also, and my payment was set up on auto pay, for the fees, so I told them all my extra payments I want directly to principal, and they refuse to fix it. Its only XX/XX/XXXX and I already paid XXXX  dollars in fees, out of my extra payments. They are scamming people out of 100s of thousands of dollars, they try to hold off on putting payments through until after the statement for next billing cycle because the balance at billing cycle is what the fees are based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX 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 US DEPT. OF EDUCATION/XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-01-20
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
With Navy Federal being reported as bad debt on my credit, I have reached out several times for forgiveness and set up a payment plan and as promise to pay, I have not gotten any help as promised and have been giving me the run around with getting through different departments because they are unable to help. I have been so determined and focused on bettering my life and trying to have good credit but navy federal has made it so hard for me. They refuse to help me in any kind of way, have sent out several emails seeing if there are options but I always get denied for any type of help and neglected. I would like for them to come to an agreement with me so I can have the debt removed from my credit. Understanding I have a future, a family and a life which all depends on my credit. I have been desperately trying to reach for help but nobody seems to be able to do anything for me but constantly and easily reporting to my credit as bad debt. Nobody seems to be able to help after getting transferred through so many departments and Navy Federal is reporting this false debt using a address I never lived at and has updated my new address with them but after doing a deletion for address with bureau, they are unable to remove from my credit report because it shows navy is still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
See case # XXXX. This is a revised letter. In the letter I had got XXXX XXXX XXXX crossed with XXXX XXXX XXXX. The Correct department is the XXXX XXXX XXXX. The revised letter indicates this as zI sent the wrong version.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account DEPTEDXXXX XXXX  XXXX, US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) account # XXXX, XXXX, XXXX, XXXX account name XXXXXXXX XXXX XXXX XXXXXXXX account 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

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 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation