BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NY
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 customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXX XXXX  XXXX XXXX OF THE XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Due to the institution i attended conducting in predatory lending practices I wish this debt to be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: WELLS FARGO & COMPANY
State: TX
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:
On XX/XX/XXXX Wells Fargo Bank made a debit to my account in the amount of {$1300.00} for " Transaction Correction - Mobile deposit check posted twice - REF # XXXX. '' On a call to their customer service department I was told that my Wells Fargo ATM deposit on XX/XX/XXXX was being returned because the name in the payee blank did not match my full name. I have deposited a check in that amount with an identical payee name nearly every week between XX/XX/XXXX and XXXX of this year and the check had never been denied for that reason. I was told I would receive a letter and the check in the mail. 

I received a letter on XXXX saying that a check I deposited in the amount of {$1300.00} on XX/XX/XXXX was deposited a second time on XX/XX/XXXX. First, there is no second deposit of this check on any of my bank statements or in the transactions shown in mobile banking. Second, Wells Fargo credited that mobile deposit on XX/XX/XXXX and they then debited my account in the same amount on the same day and it is listed as " DEPOSITED ITEM RETN UNPAID - PAPER XXXX ''. 

On the letter I was sent, both the alleged XX/XX/XXXX transaction as well as the fictitious transaction from XX/XX/XXXX have sequence numbers. The fictitious transaction has a sequence number that is XXXX. The real transaction has a sequence number of XXXX. I don't think it is coincidence that the fictitious transaction has a sequence number that doesn't match their standard format. I was told by a helpful bank officer in one of their branches that the fictitious all nine 's number can't be right. 

I was given a reference number XXXX, So, they debited my account {$1300.00} without notifying me for a check I deposited that they did not credit to my account. 

I have filed a complaint and a dispute of my transaction. I was told that most disputes are handled in 3-4 business days, but some take longer. I have asked them to credit the amount they debited on XX/XX/XXXX pending the resolution of this dispute. They refused that reasonable request. All of this took over 5 hours of phone calls where I was constantly transferred to different departments most of which could not help me. The level of incompetence boggles the mind. 

I do not believe that I am the only victim of a similar complaint.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: NV
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 reached out to the credit bureaus on multiple occasions and have yet to receive a legitimate investigation or response. I am reaching out to the CFPB Regarding my concerns with the accounts listed below Please have these accounts removed from my credit profile XXXX Date opened incorrect, Balance incorrect XXXX Balance Incorrect XXXX Date Last active incorrect Balance incorrect Date opened incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America transferred the account to XXXX Mortgage. The mortgage was paid in full to XXXX once the house was sold. Bank of America is reporting negative information on all three credit reports stating XXXX XXXX XXXX, and this is inaccurate information as Bank of America transferred the Account to XXXX Mortgage. I am needing Bank of America to correct all negative information from my reports immediately. I have contacted Bank of America several times to correct the information that is inaccurate and has failed multiple times to get this corrected. XXXX Mortgage received the full payment at the time of closing. I will seek legal action if Bank of America does not correct this immediately as I am disputing the validity of their reporting.

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 2023-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Hello- On XX/XX/23 I was texted and called from a representative from Bank of America Customer Service XXXX XXXX stating that my account was comprised and someone was trying to use my account to purchase items from XXXX XXXX XXXX, and XXXX XXXX the amount of XXXX. The representative told me to enter a reference number in order to verify the amount the requested, and when I did the money was taking from my savings and checking accounts. ALL of my money was taken and the BOA rep hung up the phone and my money from both accounts where taking, It is so unfortunate that you can not believe people even when they are calling and texting from what you what you believe is your bank to help safe guard your account.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spring oaks capital is a collection company is purchased a fraudulent debt from XXXX. In XXXX of 2021 I noticed that I had two accounts placed on my credit from upgrade. One being a credit card and the other being a loan. I disputed the accounts through XXXX, XXXX, and XXXX as identity theft because I had not opened any accounts through this company and I also had a fraud alert for all 3 credit bureaus. The credit bureaus removed the accounts and a few months later XXXX sold one account to XXXX XXXX collection and the other to Spring Oaks Capital. Both put the accounts on my credit report. I went on to dispute them and they were removed. Spring Oaks Capital continues to put this account on my credit report after being notified that it was identity theft. Spring Oaks capital is costing me money and they continue to try to collect a fraudulent debt. Please assist me with having spring oaks capital removed from my credit for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$960.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX  XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX BalanceOwed : {$5200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Among checking my credit report I noticed there a serval fraudulent account and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I submitted instructions to Synchrony Bank on XX/XX/2023 to close a certificate of deposit upon the maturity date, XX/XX/2023, and instructed Synchrony to move all the funds to my savings account. I asked for a confirmation no. but the rep who processed the instructions gave me her ID # XXXX instead, stating the Bank did not have a confirmation no. On XX/XX/XXXX, the XXXX proceeds had not moved to the savings account and when I contacted Synchrony, a rep told me that transferring the funds, internally, from the XXXX  into the Synchrony savings account requires 5 - 10 days. This was never stated previously. 
I expected access to the funds on the maturity date and planned to move the funds to another bank with a better interest rate ; however, the funds can not be transferred to another bank unless the funds are in a savings or checking account. ( an ACH transfer to another bank can not be done from the XXXX account directly. ) There is no legitimate reason for holding the funds for 5-10 days before an immediate transfer internally from the Synchrony XXXX account to the Synchrony Savings account. although it continues to hold the funds, Synchrony does not pay interest, yet holds the funds for several days and uses the money without paying interest.

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 2023-04-19
Company: Continental Finance Company, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had filed for hardship with Continental Finance and they sent me a letter that my payments would decrease after XX/XX/2023, however, it has not decreased at all. They are not conducting the due diligence stated in their letter that my payments for the XXXX card will be approximately {$29.00} and the XXXX card will be {$25.00} [ see attached ]. They never allow me to see the contract or the hardship program that I suppose to sign which their was no signature they are conducting fraud and deceptive practice. Ask them to provide you my signature now because I filed with CFPB they want me to pay regular payments ; Continental Finance is trying to charge me the same amount for the XXXX card {$42.00} and a XXXX card {$37.00}. 

They are being dishonest. I will be paid as stated in the letter that was sent. 
Contintial Fianance never provided me a copy of their hardship contract and their is no contract.

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 2023-06-26
Company: EQUIFAX, INC.
State: IL
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXXXXXX Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 origanlly filed complaint with transubion in XXXX and you guys den. t me letter stating i need to get it notarizes and mail it back in and i spent over XXXX bucks mailing it and still nothing is done ive did police reports and ftc complaints and everything else just wanting to get hard inquirys deleted which should be simple to do both XXXX  and XXXX took care of it right away just transunion im having trouble with

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 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

In accordance with the fair credit reporting act XXXX acount # XXXX, has violated my rights.

Company response to consumer: Closed with explanation