BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit report that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GREEN XXXX XXXX XXXX, TX XXXX XXXX A XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2022-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On the XXXX XXXX I sent an international wire from my bank ( XXXX XXXX ) in XXXX to Chase Bank here in the XXXX. The money never arrived. XXXX sent me a receipt and charged me for the transfer. Chase stated it had never arrived. I have communicated with both banks at least half a dozen times to confirm by secure message and by phone. Both banks asking me to confirm with the other or initiate an investigation. This I have done. XXXX- " I can confirm that a trace was raised on XX/XX/2022 regarding the payment of $ XXXX that left your account on XX/XX/2022, and Chase Bank confirmed to us on XX/XX/2022 that the funds had been received and applied to the beneficiary account. The response we received stated We refer to our debit to your account dated XX/XX/2022 under reference XXXX for USD XXXX. Please be advised that the funds are credited to beneficiary on XXXX XXXXXXXX XXXX for XXXX USD under XXXX XXXX XXXX as per GPI tracking. This message is signed from the Payment Investigations department. 
Chase throughout maintain ignorance of the above notice and nothing has been received from XXXX into my account and the reference numbers I have supplied ( see note above ) mean nothing to them. I had a meeting in my local Chase branch in XXXX XXXX and conferenced with the wire department who verified the ref numbers I was supplying mean nothing, Both banks claim the responsibility is with the other bank. This is my pension money and although not a huge amount I can not afford to let it disappear and thank goodness it wasn't a large amount of my savings. What can I do as both banks are now just repeating their non responsibility. Are wires not insured in any way? What can I do please advise. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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 I sent Capital One a debt validation letter, and the 30 days came and went without a response. On XX/XX/2022 I put in for a credit increase on my person Capital One platinum card in which I got an increase from $ XXXX {$1300.00} and on my business Spark card and was denied. Now on XX/XX/XXXX Capital One because I tried to use my personal card and it was denied twice, so I called Capital One and no one could explain to my accounts, keep in mind tht also asked to speak to a supervisor and which this person told me my account was closed due to the activity on this account or a different one which it didn't meet there expectations. Clearly this is a case of adverse action due to the debt validation letter I sent in on XX/XX/XXXX. This has had me not being able to pay my bills due to the adverse action cause they couldn't tell me why my accounts were closed. Adverse actions are AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. They are also in violation of 15 US code 1642 U.S.C. 1681m and 12 cfr1002 because I the consumer made an application in good faith but credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
State Income Tax Balance Due Garnishment Order : Account No. XXXX Tax years : XXXX, XXXX Balance : {$21000.00} as of XX/XX/XXXX US Bank has notified me by their letter dated XX/XX/XXXX, received on XX/XX/XXXX that XXXX XXXX California Franchise Tax Board had by their Tax Balance Due Garnishment order Account No XXXX for tax years XXXX, XXXX to withhold {$21000.00} from checking account No. ending with xxx XXXX maintained by me and my spouse XXXX XXXX XXXX. Accordingly they withheld {$210.00} and reported have mailed to XXXX on XX/XX/XXXX after taking their charges. 
We had by our letter dated XX/XX/XXXX informed the Bank that the funds remaining on the account is the Social Security XXXX granted, since year XXXX and that no other income or remittance are there, as we had to close down our small business and had to approach Federal Agency for our survival without any assets or income. We understand by the law, financial institutions have no authority to withhold any sum from the accounts that have only Federal supporting remittance. We may be allowed to state that the funds remained in our checking account is the savings for our Funeral fund and that is saved from the Federal benefits received directly in that account, we still wonder what is their authority to hold funds from that account while the law is specific about, as we understand. We are still awaiting a response from the Bank, presume they have no one above to question their unlawful performance. 

We also wrote to them on XX/XX/XXXX requesting them to provide us our consent to such withholding funds from our checking accounts, but so far no response from the Bank. 

Sincerely appreciate your assistance in resolving our jest issue. 
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 2022-07-30
Company: WELLS FARGO & COMPANY
State: IL
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've been a victim of XXXX XXXXXXXX data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At wells fargo bank I got five XXXX debits cards in one week and someone applied for a credit XXXX got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX XXXXXXXX XXXXXXXX and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks

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 2022-09-27
Company: Royal Pacific Funding Corporation
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: Account status incorrect

Complaint:
Last XX/XX/XXXX, When I was applying for a Solar service in my house, The Solar company ran my credit and found out that I was not approved due to the 2 months late on house payments ( XXXX and XXXX of XXXX ). Right the same month, I contacted Royal Pacific to fix this information since I never missed any mortgage payment. I received a letter from Royal Pacific last XX/XX/XXXX, acknowledging my request to investigate the incorrect report on my credit. Every month, from that date on, I follow up with them and they told me to wait. 
After six months ( XX/XX/XXXX ), My credit score still reported late payments. This time I contacted the Vice President for Servicing to ask for help since nothing has been done on my case. I have been deprived of my right to equal and fair credit, I can not avail of a good credit rate because of this error. Every day, I was on the phone, asking begging them to provide me with the result of their investigation. I wasted many hours of wait time on the phone, receiving poor customer service, and no one cares. 
I believe I had given them enough time to resolve my issue but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CT
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-07-30
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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report. On or about XX/XX/2015, I filed federal bankruptcy under XXXX XXXXXXXX. During the course of these proceedings my XXXX  XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX  XXXX. XX/XX/2015, my bankruptcy was discharged. 

I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rdparty and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was discharged. There was also a reference that all debts were the responsibility of consumer. 
XXXX  XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XXXX. XXXX XXXX and XXXX have deleted the bankruptcy from my credit report. 


Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Pursuant to issue 18 U.S.C 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 U.S.C 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out private student loans through Navient, and they went into default in 2008. It was at some point sent to XXXX XXXX XXXX, and I setup payments through them. I've been paying the collection agency faithfully for the past probably 6-7 years. No missed or late payments. About 2 weeks ago, I receivedan email from the collection agency that the payments were canceled. No explanation given, and when i tried calling it says they are closed. I then today received a letter from Navient about my loans being in default. When I called them, all they told me was that XXXX XXXX stopped handling the debt, and that my only options were to make a settlement or pay in full. I asked for a letter and they refused to send me anything about the loan. I received zero help or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: U.S. BANCORP
State: IL
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 have XXXX inquiries on my XXXX report on XX/XX/2022 from the same company elan financial. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for XXXX days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Pursuant to issue 18 U.S.C 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 U.S.C 1681 4

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 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been sued by XXXX XXXXXXXX XXXX and set up payment arrangements with the firm how is it still showing up on my credit report as negative.

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 2022-11-21
Company: Experian Information Solutions 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:
there is a lot of personal information on my report that is not mine. I'm including a copy of the ID Theft Report I filed, My Driver 's license & utility bill as proof of ID & residence. I want any item that does not pertain to me to be removed.

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 2022-12-07
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent outsourcing is a collection agency that I have no written contract and/or even ever heard of. I previously asked for 1. original creditor 2. any and all signed and dated contracts 3. proof that Convergent can collect on this supposed debt 4. All payments 5. Signature Per the FCRA 604A 15 us Code 1681 B they are anyone has written consent to report anything to anyone and per 15 Us Code 1681 C1 if there is no written consent then that is considered identity theft

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 2022-08-23
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit acceptance corp, determined what laws of the state are applicable to the contract. They failed to explain one incorrect flaw to my legal notice, and stated incorrect statements. I sent these notices to the agent for Credit acceptance corporations.

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