BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: AZ
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 sent reports to XXXX, XXXX and Experian. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-09-10
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX  : Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Ive attached a copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: VA
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 sent out investigation letters to XXXX, Equifax, and XXXX on XX/XX/2019 ( Tracking # Equifax XXXX | XXXX XXXX | XXXX XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account from my credit report

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 2022-12-29
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already submitted a complaint on this issue ( XXXX ) which was closed without resolution. After the Creditor responded to the complaint, they AGAIN intentionally updated my credit file with incorrect information reporting a paid account as " Charge off '' in the status line as of today XX/XX/22. This caused my credit score to drop XXXX  points! 

As my original complaint clearly stated, I believe they are doing this on purpose or out of incompetence, but its highly irregular that a company like Lincoln financial would bother to continue to update account information on a dept paid many years ago. 

I filed a complaint asking the account be deleted from my credit files because THEY ( Lincoln ) keeps updating the credit file damaging my credit over and over. I just submitted a reply to their statement/response in my first complaint, and the next day it happened again???? Really?? This is blatant abuse. 

Reference first complaint XXXX Again, I request this power to harm my credit be stripped away from Lincoln Financial by Deleting this credit account from my file so it can no longer be used to impact my file when Lincoln Motor credit has NOTHING to gain by maintaining the record, nor updating any details when their settlement has been satisfied many years ago. 

I respectfully request this abuse be investigated and action taken rather then NOTED. Noting the action is not a remedy when I continue to suffer do this abuse. I will not go away, I want the financial piece of mind I am entitled under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: FL
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 items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2022-12-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient who owns my student loans keeps calling, emailing and texting me about repayment of my loans. They stated on XX/XX/XXXX, " the forbearance provided by the U.S. Department of Education ( ED ) only applies to ED owned student loans Your loans aren't owned by ED ''. It was my understanding the Biden Adminstration student load repayment pause moratorium which is set to expire on XX/XX/XXXX applied to all student loans. Navient has been calling, emailing and texting me nonstop for the last two months and I am tired of it. When I was making payment my student loan amount never seemed to lower because of all the interest they have tacked on. I know I owe my student loans but I do not feel it is right for them to harass me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 explanation
Consumer complaint received 2022-12-29
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:
On XX/XX/2022 I disputed the above account for all three CRAS including you TransUnion including with the original creditor.According to the FCRA there must be written consent to furnish any information on my credit report. See CFPB Complaint # XXXX for referenced investigation. Please no consent is Identity theft and since my report has person information, sharing my information is an infringement on my rights to privacy. 
Dept. of Ed/XXXX was advised that this information would be no longer reporting this account because it violated internal policies. See Exhibit 1. This is a confirmation sent from to me on XX/XX/2022 verifying that this above account was removed by XXXX. This was removed because it violated my privacy and an act of Identity thief. According to the FCRA if information is removed or block that in fact, should be reported to the other 2 reporting agencies. Dept. of EdXXXX failed to pass this information on and instead they continued to report the above account verified. 
On XXXX XXXX I submitted another complaint see CFPB complaint # XXXX. You TransUnion stated that you opened a reinvestigation and that the above account was verified. Once I requested the steps of the reinvestigation, I was denied the process and never received requested information which is a direct violation of Federal law. A FTC Identity theft Report has been Filed against you TransUnion as the CRA and a FTC Report against Dept. of EdXXXX  ( See Exhibit 2 & Exhibit 3 ) .Considering that this information was removed because it was in direct violation of privacy according to 15 U.S. Code 1681c2. Please revisit Exhibit 1 for verified proof of block.

Attachments -Affidavit of Truth -Exhibit 1 ( Confirmation of blocked/removed Acct ) -Exhibit 2 ( XXXX XXXX XXXX FTC Report ) -Exhibit 3 ( TranUnion FTC Report )

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 2022-12-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a free account with Experian to monitor my credit. At one point in the past I tried to use one of their premium paid services but decided it was not worth the price. After successfully canceling the service, I was unable to remove my payment information ( Stored Credit card number, expiration, and XXXX code ) from Experian 's system as it is no longer needed, and always a prudent security measure in protecting your credit cards. I contacted Experian to have it removed and they outright refused to do so. I am contacting you to force Experian to give customers the option to remove their payment information from their Experian accounts as Experian has no practical use to keep that information. I believe this also violates XXXX  compliance 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 explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I closed out my checking account and credit card accounts in XX/XX/2022 with Capital One. Received confirmation closure letter and check for small balance and that should be the end of story. But its just not. I open a new checking account with XXXX. No problems, no issues, XXXX is holding up their end of the bargain. But, NOT Capital One. I log into my XXXX checking account, and on Monday, XX/XX/2022 at XXXX theres a debit payment for {$200.00} withdrawn from my bank account by Capital One. The reference code is : XXXX XXXX. I already know Capital Ones policies on online payments. There prospectus clearly explains that any funds going out of your account electronically must be going into an account with the exact vesting. If I do not bank with Capital One, then they committed fraud against me, and withdrew {$200.00} out of my XXXX checking account without my knowledge or permission. That {$200.00} is to pay my electric bill due today, XX/XX/2022. I contacted Capital One, and not to my surprise, I got what I expected from their very untrained call center agent ; Nothing. 
I am requesting that the {$200.00} be put back into my XXXX checking account immediately. Thats called : Theft By Taking, its a criminal offense. And, Im filing a police report as well. I have had the worst problems with Capital One, with them continually mismanaging my bank accounts. I already know they will send me a form letter signed with someone by the name : XXXX. Its a cowardly way to operate a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
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:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I made a {$120.00} " Principle '' only payment ; Capital One applied part of this payment towards interest. I have made two calls to Customer Service asking that it be corrected and each time I was told it was submitted and that it would take a few days to be reversed. It appears Capital One refuses to accept my payment as a principle only payment which as I understand is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
On or around XX/XX/2022, I had applied for a credit card, and was denied because they said they were unable to verify my Identity. After a long investigation, the bank informed me that on my Lexis Nexus report they pulled when I applied for the credit card shows, that I have 2 social security number. I reached out to Lexis Nexis and spoke to someone on the phone, and she states she could not find such, but she sent me a copy of my report. I have looked and I don't understand how to read the report. On XXXXXXXX XXXX, I re-applied for the same credit card, and was told they could not verify my identity because Lexis Nexus is showing I have XXXX XXXX XXXX XXXX. I need this issue fixed and I can't get anyone at Lexis Nexus to understand and help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo Bank for closing my checking and savings account without prior notice. 

On XX/XX/2018, I discovered that my checking and savings account had been closed by Wells Fargo Bank due to an alleged overdraft. I was extremely surprised, as I have always been careful in monitoring my balance and had no knowledge of overdrawing my account i was informed by email that there had been an error in the application of a charge to my account, which had resulted in an overdraft. 

This action by Wells Fargo Bank has been especially difficult for me because I was laid off from my job at that time and was struggling financially. I relied on this account for my daily financial transactions and am now in a very difficult situation. Additionally, I feel very frustrated by the lack of communication and the bank 's lack of interest in resolving this issue. 

As a result of my account being closed, I have been sent to collections and have been charged additional fees which I consider unfair. I would like this situation to be reviewed and for me to be reimbursed for any improper charges and the damages to my credit history. 

I hope that this complaint will be taken into consideration and the necessary steps will be taken to resolve this issue and prevent it from happening again in the future. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

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 In accordance with the Fair Credit Reporting act. The List of inquries above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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