BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: NJ
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, these accounts have violated my rights : Account Name : CXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A 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 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status.

Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due. I dont want this to go any further than it has to. 
If I cant be compensated Id like for this person to give me the original contract I signed with them and Id also would like them to send tax filings for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
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. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting Act : 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. 

In accordance with the Fair Credit Reporting Act 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

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 2022-12-06
Company: WESBANCO BANK, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A company called XXXX Bank contacted me saying I had an account with them and they wanted me to sign up for online banking. I have no such accounts. This is the second time someone has tried to open an account in my name the first time it was caught and shut down by the company. I will try to shut this one down as well but I'd like to stop the problem before another one is opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: FirstPoint Collection Resources
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I sent a letter to XXXX regarding a First Point collection account that was reporting an error and was inaccurate from what I understood for {$310.00}. I requested this to be investigated because it was inaccurate and to remove this item from my report. I also requested information regarding this, and I never received any additional information only that the collection account was verified. 

After mailing my letter to the XXXX credit bureau, I also sent a letter directly to First Pont on XX/XX/2023, which they never responded to me with anything that verified the collection account or non of the requested items I requested in my letter. 

Therefore, I sent another letter back to XXXX requesting their description of their investigation which they received on XXXX, and their XXXX to respond to that was up on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Rubin & Rothman, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice from Rubin and Rothman LLC stating that I owe an alleged debt to XXXX, XXXX  aka XXXX, I replied to Rubin and Rothman LLC as shown in the attachments I have included with this complaint. Robin and Rothman LLC did not reply to my request but they did violate me by improperly serving me a " SMALL CLAIMS WRIT AND NOTICE OF SUIT ''. See attachments.

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: 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:
In accordance with the Fair Credit Reporting act 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. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a netSpend prepaid debit card that was given to me as a gift. I tried accessing the balance through their website and via phone. The website returned with an error. The representative on the phone told me she could not pull up the account details and advised me to send a text to XXXX. I sent a text to that XXXX and it said to register the card online. The expiration date is XXXX  but my understanding in CA is that they can not expire.

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 2023-11-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have been trying to pay my mortgage only to receive an error message every time I try to login and make a payment. It's unbelievable that the website works until I enter my ID and password and then I get a blank page with an error message. I should not have to pay a late fee when they are not providing a reliable site for borrowers to make payments. 

I am so frustrated that I can't make a simple mortgage payment to my loan servicer without having to contact the CFPB. I would rather my loan be transferred to servicer that is reliable and has a working website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Ability Recovery Services, LLC
State: CT
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 am a victim of identity theft. The information attached, which appears on my credit report, does not relate to any transactions, medical care or phone service I have made. It is the result of 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 2023-11-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I requested a copy of my consumer report from chexsystems and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving 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 explanation
Consumer complaint received 2023-11-24
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX XXXXXXXX XXXX I attempted to deposit money in a Schools First Credit Union ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California. The ATM took my cash. It was in the midst of counting it and stated I had {$290.00} at that point, and then it said transaction was incomplete. I called my financial institution ( XXXX XXXX XXXX ) on the first business day possible, which was XX/XX/, and they stated they were able to see a deposit attempted, but it didn't show any money whatsoever. They issued me a conditional credit, but said that would possibly be reversed. I am certain I deposited that cash, and I need that money to pay my bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed on my XXXX XXXX app on my phone, that a Wells Fargo credit card had been opened in XXXX of XXXX. I called Wells Fargo and notified them and they opened a case and are working to resolve it now. I also called XXXX to warn them of identity fraud, as the person who opened the credit card did so using my social security number. The card was used in the amount of {$430.00} as of today. 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 explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$20000.00} ;XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$3500.00} ; XX/XX/XXXXXXXX Balance : $ {$54000.00} ; XX/XX/XXXXXXXX Balance : {$0.00} ; 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 2023-11-24
Company: London & London
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
London & London contacted once, stating that I owe an alleged debt to XXXX XXXX  XXXX XXXX I replied to London & London as shown in the attachments. London & London did not reply to my request but instead violated me with a lawsuit. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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:
XXXX XXXX fraud on reporting along with attorneys General Child support fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, there was an inquiry for TD Bank XXXX XXXX XXXX XXXX XXXX card services, I learned that someone tried to use my name and social security number to open a credit line. The information the subject applying provided did not match so it was not approved. But now I have a hard inquiry on my account that I would like removed due to this fraudulent activity. I have since changed passwords that were associated with the old account they may have had access to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XXXX of XXXX, in the past XXXX months, they have put my student loan back into repayment 5 times. I am currently a student at a registered school. Each time I have to contact them to put it back into deferment which they have done up until the most recent time that I contacted them. My loan is still not deferred and no one has responded to me. I have also asked questions about why this continues to happen and how I can change lenders which has also not been responded to. 
XXXX change in loan terms ( loan put into repayment ) XXXX new financial information ( deferment ) XXXX change in loan term ( loan put into repayment ) XXXX in-school deferment granted XXXX change in loan terms ( loan put into repayment ) XX/XX/XXXX in-school deferment granted XXXX billed for monthly payment ( received late fee of {$4.00} when paid in XXXX as I thought it was in deferment per in school deferment granted on XX/XX/XXXX. 
XXXX billed for monthly payment XXXX in school deferment granted XXXX change in loan terms ( loan put into repayment ) Message sent on XX/XX/XXXX regarding in school status with no response. Loan is still in repayment.

This is the worst experience I have ever had with a financial institution. I am really tired of dealing with this company and I would really like to know how I can change my lender. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: MA
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, these creditors has violated my rights. 

Under 15USC 1681 section 602 states I have a right to privacy.

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

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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: In progress
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've already submitted a complaint and 2 Bureaus removed all inaccurate accounts yet transunion refuses to fix any errors. I've asked for their methods of verification as those accounts don't 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-20
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 compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: In progress