BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled two payments to be made by Wells Fargo to my accountant. The bills were for the same amount to be paid on the same day. When I scheduled the payments I inserted different invoice numbers in the memo line, ensuring that they were not duplicate payments. 

However, the day before the payments were to be sent Wells Fargo - ON ITS OWN - sent me an email telling me it had cancelled one of the two payments. The email was titled " Wells Fargo Bill Pay : Duplicate Payment Not Sent '' and it said : " We did not send the following payment because you had already scheduled another payment to this payee for the same amount on the same date, and the two payments appear to be duplicate payments. '' So I then had to RESCHEDULE the payment that I had PROPERLY scheduled, making me late paying my accountant. I contacted Wells Fargo to complain, and they responded : " In your email, you indicated that these two payments were not duplicates since you had provided information on the memo line about two different invoice numbers that were being paid. Please be advised that we do not review the information provided in the memo line when determining whether or not a payment is a duplicate as the cancellation is done systematically and is only based on the fact that two payments were scheduled for the same dollar amount on the same day. '' THAT IS CRAZY. Their system reads : Bill Pay Bill Pay : Duplicate Payment Not Sent It was OBVIOUSLY not a duplicate payment because I had included different invoice items. Wells Fargo has NO RIGHT to cancel payments I schedule without advising me, especially with no notice except on the date the payment was to be sent. If they thought it was a duplicate they could have asked me, rather than taking UNILATERAL ACTION AGAINST MY EXPRESS 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 explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 anxiety, 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 explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NV
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX. # XXXX 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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 went online to signed up to view my credit report and i noticed there's alot of accounts on their that i didn't authorized, Also there's a list of address that's incorrect. 

Fraudulent Accounts on Report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX listed twice on report XXXX XXXX XXXXXXXX XXXX  listed twice on report 7.XXXX 8.XXXXn Inquiry 9.XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX 11.XXXXXXXX XXXXXXXX 12.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address on Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2021-11-03
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have student loans through Navient. At this time, my husband is unemployed and I am the sole income provider for my family. I have expressed this to Navient on several occasions. They have offered me payment plans that are well outside the amount that I can currently pay with the situation I am experiencing. Regardless, they continue to call me several times a day. Today for example, I spoke to them at XXXX and advised them of the above. I stated that I would go online and make a payment of what I could afford. I went online and made the small payments. They advised that they would note the file and that would stop the calls for 7 days. At XXXX, I received a phone call from XXXX who then put a Navient representative on the phone to discuss my account. They call me almost every hour every day from XXXX, sometimes multiple times in a row. It feels as though they are trying to harass me in to paying the loans that I am unable to pay at this time and have expressed to them on multiple occasions. I have 3 small children who most nights I am trying to get fed, bathed and put to bed when they are calling me relentlessly. I understand that the debt is mine to pay but once they have been made aware that I am unable to do that at this time, there is no need for them to call me several times a day every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: CA
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:
To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

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 2018-10-30
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX originally XXXX  XXXX- XX/XX/XXXX {$490.00} Was sold to another company so I Filed a dispute explaining the account is a no contract account and was not verified. 

XXXX- XX/XX/XXXX {$4600.00} Filed a dispute that account was not verified Diverified Consultant originally XXXX- XX/XX/XXXX {$1000.00} Account was sold to another company, I have tried to dispute account stating this was not verified and account has no contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: Ocwen Financial Corporation
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
me and my XXXX sister are being targeted for eviction by XXXX XXXX XXXX XXXX XXXX for a mortgage debt thats not ours, they falsely put mine and my sisters names on a couple of notices to quit when technically it should have been my mother whos name is the only one left on the mortgage bill, they are working exclusively with ocwen who have actually defrauded my parents, they are terrorizing my sister who again is XXXX and is terrified that she's losing her home because of these scam artists i want them shut down and any entity that is associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: EQUIFAX, 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/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX  ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. Equifax, XXXX  both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX XXXX does not do student loans. I explained this to Equifax and XXXX  but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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 Fed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate correction of an inaccurate late payment entry on my credit report. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon a thorough review of my credit history, I have identified that other credit bureaus have accurately reported my positive payment history with this creditor during the mentioned timeframe. However, your bureau continues to display an inaccurate late payment entry, raising concerns about the accuracy of the information being reported. 
It is perplexing that these discrepancies exist across credit reports, questioning the consistency and accuracy of the information reported by your bureau. I kindly request that your bureau conducts a thorough investigation into this matter to rectify the inaccuracies on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and it is essential that your bureau upholds these standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

In accordance with the Fair Credit Reporting account XXXX violated my rights.

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 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity

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 2023-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
I currently have some accounts and inquiries on my credit report I have listed supporting documents below.

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 2022-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a Home Equity Line of Credit managed by XXXX XXXX XXXX. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called XXXX XXXX XXXX and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my credit score and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: OH
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. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 
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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-16
Company: EQUIFAX, INC.
State: NV
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Credit Karma, LLC
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 did not authorize this creditor to run my credit I have never heard of them nor request credit with them. 

Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Removed By : XX/XX/XXXX Type : XXXX XXXX Cards/Airlines

Company response to consumer: Closed with explanation