BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I tried to make a payment to my Capital One account, however i'm being prevented from accessing my account by a 2-step authentication process that has started this month. 
i have been making payment via my home computer and only my home computer for years with the same ip address, for years. 
i have called Capital One and have not gotten a satisfactory response. And I have to give them my cell phone number to get a code or have a phone call placed to me. the issue is I DONT GIVE OUT MY CELL PHONE NUMBER TO MY BANK, MY CREDIT CARDS OR ANYONE I DON'T WANT TO HAVE SAID CELL PHONE NUMBER. 
ALSO THIS IS A FORM OF DISCRIMINATION BASED ON THE FACT THAT THEY ( CAPITAL ONE ) THINKS I'M USING A MAJOR CELL CARRIER SO THEY CAN CROSS REFRENCE MY CELL PHONE NUMBER. THERE IS NO OPTION TO GET A CODE VIA MY EMAIL ADDRESS. 
I had to pay over the phone, however I should not have to do this every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-12-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my XXXX round of Debt validation and XXXX continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

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. I told XXXX, XXXX XXXX and Equifax to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account closed with lender on XX/XX/2022. Account remains as opened with Experian. Have filed disputes with Experian, but pursuant to a vague response of result, account continues to show as open. Just contacted ( today ) lender. Said had to wait. Despite 3 disputes, Experian does not update account status. So bouncing between lender and credit agency, despite having provided copy of lenders letter confirming closing of 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 2023-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX is reporting XXXX bankruptcy cases on my credit report XXXX and XX/XX/2022. XXXX and Experian states the information was furnished from Bankruptcy XXXX XXXX of Wisconsin .I have attached a letter from the Bankruptcy XXXX stating they do not furnish nor do they verify or validate this information XXXX and Experian is reporting in this report and I have furnished them and added to this report the information from the Wisconsin Bankruptcy XXXX stating they do not verify this information. XXXX and Experian is falsely stating this information on 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 2022-10-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!

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 2022-10-16
Company: BARCLAYS BANK DELAWARE
State: DE
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, this creditor has violated my rights. Under 15 USC1681 Section 602, states that I have a right to privacy. 15 USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

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 2023-02-27
Company: FIRST HAWAIIAN, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, my name is XXXX XXXX. I filed an arbitration against XXXX XXXX through XXXX XXXX XXXX ( XXXX ) on XX/XX/2022. I am requesting that Consumer Financial Protection Bureau open an Investigation due to this company is evading its responsibility to respond to arbitrations. 

The company has to pay the first arbitration fee, but they didn't pay and XXXX closed the case. First Hawaiian is under XXXX 's rules and thereby violating the contractual agreement. 

There was a person representing the company who I was emailing to discuss this but he ignored my emails and disappeared. 

I feel frustrated and hopeless. I have wanted to resolve this matter in the best way but the company evades its responsibilities. My credit has been greatly affected by this problem and I have not been able to get loans, my financial life is ruined and I don't know what to do. 

Also, First Hawaii says that the last payment can not be taken out by auto pay They claim they sent me notice but I moved and am getting all mail forwarded to my new address and did not receive anything. when I setup auto-pay no such thing was told to me about the last payment not being able to get paid by autopay. I am sending a check now to pay off the account in full I have spent a lot of time and money for this reason I write this complaint to you. 

Please see attached the correspondence from the XXXX XXXX XXXX and the arbitration clause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These addresses that i have listed are not my addresses that being said I would like to remove tem from my report ASAP. I already sent in for a removal but they have not done. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
Company: MOHELA
State: FL
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:
MOHELA loan servicer will not return phone calls or emails. Wait times for the call center are in excess of XXXX to XXXX hours. Current payment amounts are incorrect company will not work to resolve incorrect payment amounts billing amount due is different on student aid website and MOHELA website, customer service is unable to resolve issue. MOHELA erroneously auto withdrew excess money from my checking account after auto debit with processed and XXXX. Bill was received only XXXX weeks before due date via backdated online inbox. Unprofessional practices and customer abuse. Unprofessional practices negatively effecting my financial and mental well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: SANDY SPRING BANCORP, INC.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went onto XXXX XXXX XXXX  in XXXX XXXX  in Washington DC, to open up a saving and or checking account. I was denied because my ID identified my place of resident as a homeless shelter. I was talked to very aggressively by the person who was assisting me, as if I was trash, it hurt me so bad that I looked up the name of his supervisors to lodge a complaint. I called a person who identified his self as the Vice President of XXXX XXXX XXXX  a XXXX XXXX XXXX XXXX and XXXX. He advised me that the employee did nothing wrong as it was there position not to give accounts to people they couldn't identify where they live. I told him that this was a District of Columbia drivers license that had a star on it verifying my address as a homeless person using the resources of the shelter as my point of contact. He said the District had mandated that if you don't have a address where they can come to you can't open any type of account with the bank. I told him this was discrimination against a marginalize population of people who are trying to get their lives together through establishing credit and other product that could give them opportunity. We talked for about XXXX weeks going back and forth and me sending him information to help my cause. Eventually we stop communicating because I told him this was not the last he would here from me. He never sent any information saying any of the reasons I was denied access to opening an account so I believe I've been discriminated against because of my position in life at that time. He acted like it was OK for the employee to treat me that way., and never reach back out to me to open an account or show me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-27
Company: EQUIFAX, INC.
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 Equifax regarding a XXXX XXXX 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 Equifax credit bureau, I also sent a letter directly to XXXX XXXX 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 Equifax 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 2023-09-30
Company: OneMain Finance Corporation
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Did not give permission for Hard inquiry. Please remove now. 

XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : 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