BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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:
15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) se
ts forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
They reported two accounts that are not mine and one has more than 7 years and they don't send me the method of investigation, take more than 30 days or more to replay me they have multiples violation and they don't do the right thing and deleted this accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I recently received a letter from XXXX about the loan that I got into with them and their error on the loan amount or the interest rate I would like someone to further check into it because theyre saying that they made a mistake and that its not gon na make a difference to my payment but essentially Ive been paying the wrong amount since XXXX so it seems to me that there would be a credit to my account if in fact I was paying the wrong amount and it should have been less and now its been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF EDXXXX XXXXXX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2022-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
someone opened a credit card account under my name and ss number and the bank send it to them. totally different address. after finding out thru collection letters. i called the bank. and they respond that they don't see any fraud. don't know what to do? 
trying to get statements. to do my own investigation and i never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF ED/XXXX XXXX  XX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2020-06-19
Company: Experian Information Solutions Inc.
State: WA
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 filed a letter with Experian to update my personal information. I received a response from Experian on XXXX and upon opening the letter from Experian, they had cited my name incorrectly. In addition, they did not delete the address at which I am not a resident nor have any affiliation. According to the FCRA, if the addresses noted below are not deliverable to me by the US Post Office, they are not reportable as per the FCRA, since they are inaccurate. My original letter included a copy of my drivers license which showed my only true and correct name, in addition it cites my correct address. I also attached a current utility bill that shows all the correct information. I sent them a second letter stating they did not change any of these items and resent all the verification info and the information on my credit report is still incorrect.

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 2022-05-23
Company: Credit Bureau Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX, my credit report showed a debt with XXXX XXXX XXXX to be collected by Credit Bureau Services ( herein known as " CBS '' ). I disputed this information with XXXX, the company responded that I owe a medical debt from XXXX of XXXX. I have not received any prior notification about this debt and it only appeared on my credit report this XXXX. I attempted to contact CBS regarding the debt to make payment in full. I requested the company remove the debt from my report, which is customary practice when paying in full. The representative told me that they were unable to remove it from my report, that was up to the credit agencies. This is a lie. I have paid multiple collections in the past with written agreements and verbal agreements to remove the debt ( not just mark it as paid ) and my request was granted and the debts were removed. I informed the representative that she was lying, and she doubled down on her efforts to collect. I decided to pay the debt with the original creditor, XXXX XXXX. Upon calling XXXX XXXX, I learned that the collection amount was different from the amount owed. The amount stated owed by CBS was {$260.00}, XXXX XXXX said it was {$420.00}. I paid the full amount and informed XXXX XXXX that they must cease and desist all collection activity. I was told by XXXX XXXX XXXX XXXX XXXX that they did not have control over that but they would submit a letter to CBS saying the debt was paid. -- I also told him the address and phone number were incorrect. As you will be able to see, the address on the receipt and phone number are wrong... I haven't lived at this address or had this phone number for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Saturday XX/XX/XXXX I did a online money transfer through Wells Fargo app with XXXX of {$560.00} I put in one wrong dight so the money was transferred to a person I dont even know and didnt notice after Tuesday XX/XX/XXXX I called Wells Fargo and let them know about my mistake they told me to give them 10 business days so they would solve the problem through the period of time I kept on checking the status of the claim and they told me if by the 10th business day the money was not refunded they would credit it back until they solved the problem I waited and nothing happened so I called them again and they told me they were no longer able to help me because it was my mistake then I spoke to a head supervisor '' and he told me they couldnt help me that they had spoken to the person the money was transferred to and the person declined to sent it back so I had to get a hold of the person I explained to him that i had already tried to get a hold of the person but they wouldnt answer or respond so he said that then I had to deal with the person, right after hanging up with him I went to my local bank and explained the situation the banker called the claim department to see what they had done and they told him once the money is sent nothing could be done and that they could not contact the person the money was sent to so this means the supervisor lied to me when he said they had contacted the person and that they had declined to refund the money so the banker again told me they couldnt do anything either. So this means I just lost {$560.00} to a person I have no idea who it is and the bank was no help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Navient Solutions, LLC.
State: VA
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:
I paid sallie mae student loan when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became Navient who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
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 recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My latest letter was sent on XXXX where I asked to correct my name to include 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 2022-08-20
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On letter dated XX/XX/2022 by Rausch Sturm requesting post-judgement discovery on a debt collection from XXXX XXXX XXXX that I disputed with XXXX XXXX XXXX XXXX XXXX at Law No XXXX Presiding Judge XXXX XXXX based on belief that the debt has passed the statue of limitations and that the debt collector and/or their representative failed to provide proof of debt including chain of custody for documents, original proof application for credit, itemized records of all purchases to validate the amount, and any other supporting documents need to make a judgement.

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 2022-11-25
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dispute with the company on XX/XX/2022. Company have received my dispute XX/XX/2022. It is now XX/XX/2022 and Ive have yet to hear back from the company to validate the debt they claim I own. The FCRA gives XXXX XXXX to respond. I have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Remex, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX DBA XXXX XXXX is in New Jersey. I have never been to New Jersey. Also, this was supposedly created in XXXX. I have been XXXX XXXX in the military since XXXX. XXXX I was in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Alpine Credit, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I paid off my collection debt with Alpine Credit and I have court documents to prove it that debt has been paid off. We did a stipulation and they agreed to take that off my credit report and mail us a document on their behalf that my debt was paid off. I never got a letter stating that my debt was paid off from Alpine XXXX. I am requesting that Alpine Credit takes that off all 3 credit reports. They are quick to report bad things on all three credit reports, I am requesting that they take that off all 3 credit reports as we all agreed on the Stipulation. 

XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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:
not my account please remove

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that the new account was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$1400.00} XXXX XXXX : {$1200.00} XXXX  XXXX : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$180.00}

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 2022-10-27
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:
When I investigated my credit report, I realized that the new account was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
not my account please remove

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