BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX- $ XXXX XXXX  andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX XXXX accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX XXXX XXXX XXXX  accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX- $ XXXXCollection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.

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 2023-02-26
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:
OHIO DEPT OF HUMAN SERVICES 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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, Capital One FRAUDULENTLY closed my Capital One Venture Credit Card without notification or my permission. I have been a long-standing and loyal capital one customer as both a holder of my vehicle loan and my credit card. I have never missed a payment on either nor been delinquent on payment for either. Due to Capital One EXTREMELY delayed payment processing on payments made on time to my card, there had been instances where automated ach transactions were being returned. I have proof that payment has been made in time in numerous circumstances with Capital One taking an excess of a week to post the payment to my account, thus that themselves are creating the XXXX issues. On XX/XX/2022 I contacted customer service due to my account showing " Restricted '' on my app, only to find out that someone at Capital One deemed my account as fraud. There is no evidence or history to support this in any legal capacity or practical. There have been frequent XXXX returns or exchanges on this account as we frequent XXXX in excess of hundreds to thousands of dollars a month testing equipment for our business. 

As a Veteran Owned business, we rely heavily on this card for our monthly business budgeting and spending and need it reinstated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.

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 2023-01-04
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-28
Company: AppFolio, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This Company is portraying to be the property management/ maintenance provider for the condo complex I live in.

4 plus years Ive been submitting maintenance requests which I was charged higher condo fees on my app. Page for and I was never notified 4 months ago my condo fee went up again. 
When I call this Company to make a Mai thence request they tell me they do not maintain any maintenance at the property I live at. When I do call this number nobody is aware of any property maintenance crew. 
My fees go up and I seem to never be aware by email, by a postal letter, etc. 

They claim to maintain the property but there is no maintenance crew for this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I received a letter addressed to my ex husband and I regarding a loan he got for a used car that I was never a part of.i never cosigned on his used car loan or have any thing to do with that vehicle he bought back 20 years ago around XXXX. It was repossessed shortly after he got the vehicle on valentine 's day uf I remember correctly. I have been divorced since XXXX and am very concerned as to why my name is on this letter. They should be no reason for my name on any thing with his unless my name was fraudulently included on his loan with wellsfargo for that vehicle.

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 2023-06-05
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an issue where my check number was stolen from the mail and cashed under another name it was my rent check and since I expected the amount to come out I did not question it until I saw it was cashed by another name that was not my landlord I notified them as soon as it was brought to my attention and as per what I saw in the last dispute its open six months from the statement and its been under the time when it was notified. It was XXXXXXXX XXXX cashed and pending to my rent which Wells Fargo allowed the check to be cashed when there is clearly a modification Done to the check. I am looking for a full refund for this matter as it is not ok for the bank to not protect me from being robbed my money and not notice who is cashing my checks sent. I will attach the image of the check cashed I need this resolved as no one is helping me and this bank is supposed to protect my money as it has failed me in doing so. The check number is XXXX I will attach it.

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 2023-06-05
Company: EQUIFAX, INC.
State: IL
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:
The current issue is causing me significant distress  and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has unexpectedly closed my business account and has said it does not have to tell me why. I have never had a chargeback and am signed up as a business account vs a personal account and have been happy to pay the business fees as legally bound. 

With Venmo closing my account ( which I understand as a private business they have that ability and do not have disclose why, despite being incredibly frustrating ), they are holding over {$1700.00} in funds for the next 6 months to " protect themselves against chargebacks ''. I have NEVER had a chargeback and in fact, the funds that are there are for purchases that have already been received by the buyers without any issue. 

I believe that Venmo, in addition to other money apps such as XXXX, hold funds from small businesses so that they can earn interest on these funds before having to release them to the business. It's incredibly harmful to small business owners to have funds held for no good reason. I would understand a small portion MAYBE for chargeback protection, but I've had this account for over 2 years with zero issues and zero chargebacks. Venmo even reversed a transfer I had initiated ( I always transfer money immediately for exactly this reason ) before they sent me an email saying they were closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: AZ
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:
This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : XXXX ( XXXX ) XXXX ( XXXX ) Experian ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX  This account was open without my consent and is a result of fraudulent. Remove this 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 2023-01-04
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear SirMadam My name is XXXX XXXX XXXX On the XXXX of XX/XX/2022, I won a lot XXXX at XXXX XXXX ( a marketplace of used cars ). It was a XXXX XXXX. The total sum of money was XXXX USD. On the same day, I contacted the local branch of a bank to make a payment and the payment was made. However, for unknown reasons, the transferring bank sent it only on XX/XX/2022. Unfortunately the recipient did not receive the money as at XXXX XX/XX/2022 and the lot was placed at the market place again. On XX/XX/2022, I turned to my bank ( transferring bank ) to cancel the payment, because the recipient hadnt received the money. About a week later, my bank ( transferring bank ) announced that it was not possible to cancel the payment, because the money was credited to the recipient 's account. When I communicated with the recipient, they said that the money had not been received by the XXXX of XX/XX/2022. According to XXXX tracking on the Wells Fargo bank recipient 's website, the payment is listed as " in progress. '' When I ask Well Fargo Bank to explain what has happened with the money they dont give me any information. 
Thus, I am writing to you to ask for help. I would like you to help me find this money and if it is possible I want you to help me to contribute to deposit money to the account of the recipient. If it is impossible I want to refund my money. 
All the available documents have been attached. 
I am looking forward to your reply. 
Yours faithfully, 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 2022-10-21
Company: Experian Information Solutions 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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : 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 2023-02-27
Company: Experian Information Solutions 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:
Fraudulent account appearing on my credit report. 

1. Us Department Of Education 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-05
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:
Company has reported XXXX XXXX  on my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Atlanticus Services Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Towards the end of XXXX, I received a notification through my credit report that Fortiva had opened a new credit card account in my name. I had absolutely no knowledge of this or why this happened. 

In 2021, I had signed up for an account with Fortiva through XXXX. But it could only be used through them. That account had not had any activity for over a year. 

I reached out to Fortiva on XX/XX/XXXX asking them what happened. They said that they were upgrading me because they believed I would like that since the card could now be used everywhere rather than just at XXXX. They also said that they sent me an email in XXXX that I never responded to, probably because it went to spam. 

It is my understanding that companies are not authorized to simply close and open accounts for people without their actual consent, not just a lack of saying no. Otherwise why wouldn't credit card companies just send out tons of emails to people saying they are going to sign them up for a card unless they respond back. 

By doing this, they caused detrimental impact to my credit score. Not only did they remove an account that I had for over 2 years, which impacts my age of credit history but it also adds a new credit card that simultaneously shortens my average credit age and makes us less appealing for other offers since it shows we recently took out another credit card. I took a drop in my credit score immediately when this happened. 

Regardless of what Fortiva is saying about this being an " upgrade '', it is not an upgrade. I have had this happen with other cards where I was upgraded and the account number stayed the same, not impacting anything else. However this is not the case as it actually closed the old account and reopened a new one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Old information reappears or never goes away

Complaint:
There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report. 

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer. 

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

According to 15 usc 1681 c- requirements relating to information contained in consumer reports. 

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.

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