BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
account/inquires cant be verified and need to be removed from report ACCOUNT ACCOUNT NUMBER AMOUNT XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please thank you

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCOUNT NAME : XXXX XXXX XXXX  NUMBER - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 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 without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

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 2023-10-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: ID
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:
To whom it may concern. 

On XX/XX/XXXX I was checking my credit as I regularly do and noticed one of my scores was XXXX -- that would be a 30 % decrease in my score in a matter of months with XXXX activity on my part. 

Upon review, it turns out that a XXXX Infinity was purchased and ultimately repossessed, auctioned and sold. The account, charged off. That charge off is what is on my credit along with the late payments from the auto. 

With that, XXXX shows an account # XXXX in my name XXXX XXXX and my ssn but not my Idaho address. The account shows at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove and repair my credit report to the good standing it has been for 22 years. 

Thank you.

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 2023-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new wells Fargo everyday checking account with a bonus offer code on XX/XX/ and then I set up the account I deposit {$25.00} and had my employer direct deposit all my payments to this account so I have all the requirements to get the bonus. Finally more than 90 days passed with everything that was asked to me was accomplished but they are saying that my employer isn't using direct deposit because my employer pays me direct deposit to my debit card connected to my wells Fargo, they say it's gota be ACH deposit but my employer pays me direct deposit like that do they denied me my bonus unfairly. They made me loose all that time for absolutely nothing, they could at least tell you in advance, but wells Fargo customer service is one of the worse I've experienced in all my banking experiences. I just want them to honor their word and stop false advertising nonsense. If my employer is depositing money in my account constantly and I have a steady XXXX balance then it's proof enough that I'm doing what I'm supposed to do.

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 2022-06-26
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, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXXXXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C s-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 2022-09-20
Company: Experian Information Solutions Inc.
State: MS
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 have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the XXXX XXXXtatute of Limitations. In XXXX XXXX oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/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 2022-08-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and disabled my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, XXXX reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with XXXX to continue making payments to them past my original lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: MS
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 have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2022 payment there was scheduled payment that was not drafted due to kohls changes on online website. This occur when changing checking account. Customer had money to pay to be draft form new account. Representative told customer there were issues with website. Customer has never been 30 day late. Please look at prior payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX account # XXXX account # XXXX account # 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 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 explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi XXXX of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have sought to have my physical mailing address removed from Discover Credit Card services. I am not a customer, nor do I every intend to be, and after receiving new credit card solicitations addressed to former owners of my current home, I called the number provided to opt-out of the unsolicited mailings. I have placed calls to Discover Credit Card XXXX and conveyed my request to be removed on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. 

During the last call on XX/XX/2022, I conveyed that we had past the 90 day time frame from my initial request to be removed and now I will be submitting a complaint to consumer financial protection bureau. The response was that each of my requests could have reset the clock for that 90 day time frame. 

My concern is that this request to be removed and the 90-day time frame could be reset with every request I have made. This could include the numerous different credit cards offered or call-back numbers given, and may include other services offered by Discover such as student loans ( which I stopped receiving after my XX/XX/2022 separate request to be removed ). Additionally, the mailers will use different variations of a name for the previous owners of my home. For example, XXXX XXXX versus XXXX XXXX XXXX XXXX. So the promotional material will likely not stop and the costs to dispose of/recycle their paper mailers is passed on to me and my household. Despite having already signed up under XXXX and numerous other websites, I still receive offers under various names and previous owners. 

My request is for Discover and its affiliates to remove my physical mailing address from any and all promotional materials and stop the disclosure of my mailing address to third parties, no matter what name is used/addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent Capital One a validation notice on XX/XX/2022 requesting validation of accounts that I noticed is fraudulently reporting on my consumer report. In that validation letter I also demanded a cease and desist of all communications via text, call and email. I requested to ONLY be contacted by United States Postal Service. Capital One has ignored my cease and desist and has emailed me XXXX times between XX/XX/2022 and XX/XX/2022 still trying to collect on " debts '' that have yet to validate per FDPCA AND FCRA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XXXX XXXX my XXXX  charged my XXXX  twice for {$3200.00} in error. 
I disputed the extra charge and was credited for the dispute {$3200.00} On XX/XX/2022. I was debited again on the same day {$3200.00}. 
I called to get the debit posted in error reversed. 
My Insurance company received a charge back for the XX/XX/XXXX posting. 
To fix this. XXXX credited my account again and returned the second insurance posting. 
My insurance company got another charge back from XXXX. So I still have a balance with my I insurance company. Which I paid by check. 
On my XXXX statement it shows three Debits for XXXX and two credits. 
XXXX says that they only returned one item to my insurance company. 
XXXX posted a debit to my account in error for {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: NM
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 reporter actXX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX Act # xxxxx XX/XX/XXXXAcct # XXXX XXXX Bank Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 reporter act XX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX # xxxxx XX/XX/XXXX Acct # XXXX XXXX Bank Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax knowingly transferred adverse action inquiries to my Comsumer report without my consent. see XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and transUnion show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to me

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 2022-09-20
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I first contacted Aidvantage on XX/XX/XXXX about a refund on the student loan payments I have made over the course of the pandemic. I am requesting a refund of {$6100.00}, for which the amount has been confirmed via Aidvantage emails and calling again in early XXXX, but there have been no balance updates on my student loans online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington mtg not sending over documents for XXXX funds to perform a modification on my loan. Home was in deferment during XXXX but XXXX has me 180 days late.

Company response to consumer: Closed with explanation