BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: Nelnet, 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:
On XX/XX/2021, I sent a letter to Nelnet, again, regarding three accounts that are reporting on my credit report from them. I was writing to notify them that they are reporting inaccurate and/or incomplete information in my credit report which is misleading and hurting my name and affecting my consumer rights!. 

However, on XX/XX/2021, ONLY 4 DAYS LATER, they sent me a letter stating that they are not complying with the investigation. THIS IS THE SECOND TIME THEY DO THIS! They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant! 

They start of by stating, " your request can not be adjusted because the dispute is incomplete, invalid or a goodwill* request ''. THIS IS FALSE. My letter to them was complete, valid in accordance to the FCRA and it was NOT a goodwill request. 

They continue by stating, " under the FCRA, data providers are not required to investigate certain disputes received directly from consumers. For reference, examples of those instances include : - a request submitted by a credit repair organization .... 
- a request in which the consumer has not provided sufficient information... 
- a credit dispute that is... the same ... '' 1. I AM NOT A CREDIT REPAIR ORGANIZATION. 
2. I provided them EXACT information about exactly what is incorrect and inconsistent with my credit report. I even notarized it with my local bank. 
3. I DID NOT SENT THEM THE SAME DISPUTE. 

You will be able to attest to this as I will be linking what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE on XX/XX/2021 via e-mail. 
According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : 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
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX XXXX XXXX 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, 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 2021-11-12
Company: WELLS FARGO & COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WF CRD SVC. Per FCRA, reporting must be 100 % accurate or the information must be 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 2023-04-12
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, XXXX XXXX did not provide the credit reporting agencies with written permission to report any of these accounts and I am requesting the removal of the accounts listed below, from my credit reports. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ).

I did not provide the company reporting any of these accounts with consent to share my credit card ( ID, SSN, etc ) with another entity ( the credit reporting agency ) This is a violation of 15 U.S. Code 1681s-2.

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 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America, took {$2000.00} from my checking account on XX/XX/2022, to cover an overdraft in another Bank of America XXXX account that was caused by denied disputes. 

This money was taken with no warning or communication from Bank of America. I did not even know a payment plan was a possibility until I called Bank of America today and asked if I could pay the overdraft down over time and have the {$2000.00} returned to the proper account. 

Bank of America refused to return the funds and did not allow me to set up a payment plan, stating that it had been 30 days so they took the funds from my other account. Again, this 30 day timeline was never stated before. 

The money they took was for a large life expense that needed to be paid on XX/XX/2022. Their lack of flexibility, and communication is absolutely disgusting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been getting calls and mails from debt collector about a debt that i did not make in the first place. Then it was resolved by the company a long time ago. But i am still getting calls from the debt collectors and it is in my credit report also. They have charged me for a returned device that I have returned it cause they couldn't give me the internet service in my address.

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 2022-10-20
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express has neglected to provide sufficient service for use of my credit card, putting myself at risk while traveling for work. My American Express XXXX XXXX has XXXX available credit and the entire statement balance is paid off for the month. I have never missed a payment on this card. Still, every few days they cut off my card from working and I must be on gold for hours at a time to get access to my credit card. While traveling for work, this has left me sitting outside a parking lot twice this week trying to get access to my card. The issue resolves around the fact that I recently opened a new debit account and changed the payment account on my card. I alerted American Express about this and they changed the payment account ; yet they are still re-charging an account that I told them on multiple occasions to stop charging that has no funds. When the payment " predictably '' doesn't go through, they suspend my card ( despite having already cleared more than the statement balance and having nearly XXXX available credit ). Each time that I do this I am charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX Bank posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am XXXX and my birth certificate is from XXXXXXXX XXXX XXXX XXXX Social office will state from 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
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX 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 2022-05-22
Company: Thaxton Investment Corporation
State: SC
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 did not authorize XXXX XXXX  to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Regions Bank. I made a mortgage payment on XX/XX/XXXX.  This was a Thursday. The payment became a pending transaction on I believe Saturday XX/XX/XXXX. The payment posted on Monday XX/XX/XXXX. Sometime there after, some small debit card transactions overdrafted my account, even though I opted out of overdraft protection. By opting out of overdraft protection, my debit card is supposed to decline transactions without an available balance. On Tuesday XX/XX/XXXX, I recieved an email about my account being overdrafted. On my lunch break at work, I drove to the bank and deposited XXXX dollars cash with a teller inside the bank which was enough to cover the XXXX dollars and some change negetive balance. The bank teller said she could not explain how my account became overdrafted because I opted out of overdraft protection. She also said I would incur no fees and asked about transactions related to my account, none of those transactions being my mortgage payment, im assuming because it had already posted. She gave me her card and told me to call her if there were any issues and that she did not think and was pretty positive Id incur no fees. She printed off my statement. So, on Wednesday XX/XX/XXXX, I checked my account to see my mortgage payment returned and a returned item fee for the returned transaction. That same day, I contacted my morgtage servicer and they had not recieved a returned payment notice. My mortgage servicer is XXXX XXXX XXXX. I find the timing of this to be very suspicious, as I am behind on my mortgage and have until XX/XX/XXXX to pay past due balance or the bank will start the forclosure process. Now, I dont know how to make my mortgage payment. I dont know if I should make 2 payments or 1. I dont if the my mortgage servicer will attempt to make that payment again and I will not have enough money in my account to make 3 mortgage payments in 2 transactions.

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 2017-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a long time credit card holder for over 10 years, of the same two accounts with Capital one. I have encountered a financial hardship due to loss of income and have tried contacting Capital one via phone seeking help to lower the interest rate on my credit card and receive some help with the removal of the late fees and fee penalties applied to my account however I have not been able to get through on the phone. My current phone number has been disconnected due to non-payment and I have to use someone else 's phone to reach out for help. I am in need of some assistance to bring my accounts ( there are 2 ( two ) different credit card accounts in my name only ) current and remain a good standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, Dept of Ed/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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 2023-04-12
Company: Experian Information Solutions 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:
This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; 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 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/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

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 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Capital one 260 account was opened in my name on XXXX XXXX,2022, without my permission. My credit was pulled for the account which caused my credit score to go down on XXXX/XXXX/22. The account was open fraudulently. They had mailed out a debit card to the address but Capital one wouldn't give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Glass Mountain Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Purchased item on XXXX using XXXX XXXX  in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with XXXX as " they would help ''. Only option at XXXX was to file a claim. Claim erroneously denied with XXXX stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get XXXX to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from XXXX so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. XXXX never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse XXXX for their outlay to the merchant, as soon as I receive the item as advertised.

Company response to consumer: Closed with explanation