BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to/ get a credit report. For my identity thief to give to the police report and district attorney 's office. I have been out of the county from XXXX XXXX until XXXX XXXX. I have given this company everything I had. I still ca n't get a report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This item was placed on my credit report as a result of identity theft. I disputed this with the company and they sent me the attached response which I have screen shotted and attached.

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 2016-02-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law? I have disputed several times and I do not get a response back. Please assist me in this. 
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 2016-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
By XXXX I filed a dispute with Experian CB regarding different closed accounts that has more than 7 years on my credit report and now are consolidated in XXXX account. I requested immediate removal from my credit report. On XXXX XXXX, 2016 Experian sent me an update with the accounts still under investigation and with a note stating they will resolved it by XXXX XXXX, 2016, as today is XXXX XXXX, 2016 more than 30 days later and I have n't been notified of the results. and there is no dispute note on my report for those accounts. By not replying in a timely manner to my initial request violated federal law. 
Accounts : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I appreciate your help on this matter, Failure to comply with federal regulations by credit report agencies are investigated by the federal trade commission ( see 15 USC 41, et seq. ) Attached is a copy of the only respond by them back on XXXX XXXX XXXX also My ID for verification

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: 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:
( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( 2 ) XX/XX/XXXX - XXXX  XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 5 ) XX/XX/XXXX - XXXX XXXX- No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- Certified Credit - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: WELLS FARGO & COMPANY
State: CO
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: Problem with personal statement of dispute

Complaint:
First reported to all three credit bureaus on XX/XX/XXXX that XXXX XXXX loans falsely reported me late on the XXXX of XXXX. I was placed into a new payment plan with XXXX  on the XXXX following being laid off. Their credit reporting department and collections/payment plan department apparently do not talk to one another. My account is current and currently showing nothing due at this time. For some reason XXXX is only reporting one of the three loans current when all four loans are under the same payment plan which means they should all be reporting as current. XXXX and XXXX were reporting exceptional payment history for all four loans but now it looks like on my end they are showing a missed payment for XXXX again. Again all four loans for XXXX on all three credit bureaus should be reporting as no recent missed payments. I am trying to move forward on a home loan and if this isn't resolved in time, i.e. this week I will be homeless thanks to XXXX falsely reporting. 

Likewise, my Wells Fargo account was in a payment plan - never received that documentation from Wells Fargo account has been paid in full and should reflect that on my credit report ASAP too.

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 2016-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a names listed on my credit report stating I have used. I have never used the names XXXX XXXX or XXXX XXXX XXXX. I have only used my own legal name and I would like to find out where, when and who these names were used for.

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 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Visa Card ending *** *** XXXX XXXX XXXX XXXX, PA XXXX Mobile XXXX Email XXXX I have had a credit card with this company for over 10 years. I have " always '' paid my account balance on time as to not accrue interest. I have moved away from using this card at the end of XXXX as they discontinued/ changed their rewards program. Knowing there were still some charges that would have occurred I felt as I receive my final statements, I would pay them off, use the balance of my reward points and close the account. If I closed the account prior to using the reward points I would lose them. 
I have a very large amount of reward points. 
" Since the beginning of XXXX I have not received a statement by either email or XXXX '' from XXXX for this account. I went on line to look into this, only to see fees and interest for unpaid balance. I immediately contacted XXXX ( XXXX XXXX ) to get an explanation. I was told on separate calls in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that the statements were sent out electronically/ email. Today XX/XX/XXXX I spoke with a customer service rep that said my account was only electronic statements since I opened it, this is not true, it has always been paper. While on the phone I immediately paid my balance in full, including all fees and interest and locked the card so it could not be used. After 3 months of trying to resolve this, it was the most practical option. I then spoke to a supervisor at XXXX he said the change to electronic statements was made at the beginning of XXXX not when it was opened, this was different from the information I received for the initial rep I just spoke with. He also said that tech support at XXXX XXXX saw an error on the email statements, and they were not getting to me. He blamed it on a spam blocker at my end. XXXX XXXX response to the situation was not to contact me in an effort to resolve the issue, but rather just add on fees and interest, and freeze the reward points that I already earned, this is after repeated calls to rectify the situation. It is obvious that somewhere at the end of XXXX beginning of XXXX a change was made by XXXX XXXX to my account that resulted in me not receiving statements. Please note at no time was this a question of paying the charges that were made by me on my card, rather not receiving any notice that the bill was due. Then charging fees and interest and locking out my reward points so I could not access the remaining points. 
The fees and interest owed me are as follows Interest {$0.00} Interest {$5.00} Interest {$1.00} Interest {$17.00} {$26.00} Fees {$25.00} Total {$51.00} Owed to me I request that Capital One refund me the amount listed, as the error was made at their end and statements were not sent to me to allow me to pay my bill in a timely manner. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I went to XXXX Lexus to see if I qualified for a new lease turning in my current lease. I was told the payment would be similar and terms also. When I got to the Finance office to sign the lease it showed it was a 48 month vs a 36 month. I was told it was too late to change and I had to accept the payments. I told them I wanted to change back to 36 month and they said they would work on it. Mow almost a year into it they still have not corrected their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with HSBC. I had a difficult time initially funding the account. I made a small deposit followed by a {$400.00} deposit. I received a {$40000.00} transfer into my account. The next day I wanted to use a wire transfer to another account. I was told that the account was suspended. I called and talked to some who would relay my concerns to the bank 's fraud department. I was told that the account was under review. The bank keeps delaying their decision to reopen or close the account. They are stalling. I ask for an expedited decision and was told a decision would be made on a Friday. The following Monday I called and no decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XXXX XXXX 2017 an unauthorized account to account or bank to bank monetary transfer of {$1500.00} dollars was made upon my debit card. I summited and action of stop payment and dispute to the company. They said no error was made in their transfer. They hope too resolve the claim in 11 to 45 days.

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 2022-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX XXXXXXXX : # XXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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 item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
During the 2009 - tax year - The Internal Revenue Service file a lien - However the filling of the lien was an error by the IRS officer - to make matters worse the IRS office let our case pending without proper resolution - The IRS office left the IRS for different position Now I have record of lien being filed for the last 5 years without being moved from my credit report - First : We did paid our taxes on time Second : Since the lien was filled it was never removed from our credit report it has affected my personal credit for that last 6 years - I have contacted the credit agencies with no luck - I would like this negative credit reporting to be removed from our record

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 2022-10-15
Company: Experian Information Solutions 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # 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 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