BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ( formerly, XXXX XXXX XXXX ) had transferred all of my ( XXXX ) federal student loans in XX/XX/2023 and received payoff confirmation. Account balance is XXXX and accounts closed ; however, XXXX still has NOT reported this change to credit bureaus as of XX/XX/2023. Since then, I have paid off a number of loans with the new servicer XXXX in XX/XX/2023. 

I've made several attempts to reach XXXX over the phone, email, and portal to resolve their inaccurate credit report. After waiting a reasonable amount of time without a response, I filed disputes with credit bureaus ( attached payoff confirmations, statements, and screenshots ). 

XXXX continues to deny the loan balance change and has certified to Experian ( and other credit bureaus ) that the information is accurate. This results in a false loan balance from XXXX, who has not updated the credit report since XX/XX/2023.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRES FROM MY PROFILE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00}

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 explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
From approximately XXXX to XXXX I was issued a Visa card from Capital One Bank. After making multiple payments I was notified of a Credit Limit increase. Approximately a month after the increase, the card was cancelled by bank. The reason cited was useage not meeting family standards ( paraphrased ). At the same time my Kohls Credit Card was also cancelled by bank with the same reason. I only made purchases on both cards of normal merchandise, gasoline, lodging, etc, I contacted both Capital One and Kohls. I got no explanation from either. I even reached the Capital One Executive Office. 

About a year later, Capital One issued a new Visa Card. That card was cancelled almost immediately with the same reason given. My Walmart card was also cancelled with same reason. All cards were in good standing and being used appropriately by only me. Credit Limits were about {$800.00} for Visa, {$300.00} for Kohls, and {$100.00} for Walmart. 

Due to the ambiguity of the reason, its repeated use in cancellation letters, and the lack of transparency by Capital One I did not feel fairly treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is on going with the identity theft I've had going on.my XXXX unemployment goes into us bank XXXX account on Sunday the XXXX of XXXX person or group tried to take money out on that account.the bank was able to stop this XXXX but XXXX XXXX still neg over XXXX .the name of violators was XXXX XXXX XXXX  so the fraud person at the bank and I decided to close that card down and reissue another one.my phone has been hacked .this is XXXX  me so bad I don't know what to do XXXX about to get water and power turned off XXXX XXXX mo behind on my rent .theirs no help for me XXXX trying so hard .I may get edited they have hit XXXX bank accounts to difrent state unemployment agencies. My taxes are being held up from XXXX their any help for me.i was apart of XXXX  data breach but I can't find any help.if anyone knows how we could get a grant to have resources and advocate for victims. I think we should fight to get this out because I'm XXXX  and theirs no help ..this should be covered under health insurance as prevention of mental health because its a real thing.anyone that would help myself and millions of XXXX need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-01-11
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance {$780.00}

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 2023-09-08
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
California Business Bureau Inc is attempting to charge interest in the amount of {$160.00} on an account that does not have interest tied to it in the original contract as it is a medical debt. When I spoke to California Business BureaXXXX on XX/XX/2023 at XXXX PST the collector stated that they did not have the original contract that stated they were legally allowed to charge interest on this account and that they were able to charge the interest " because I didn't pay it. '' When I spoke to the original debtor ( the hospital ), they stated that they do not charge interest on their accounts. This means that CBB is charging interest illegally under 15 U.S.C. 1692 et seq. of the Fair Debt Collection Practices Act as well as misrepresenting my legal rights as a consumer ( another illegal practice under FDCPA. ) Furthermore, they called both of my parents on XX/XX/2023, which they are not allowed to do unless they're unable to locate me, which was not the case as the original letter they sent dated XX/XX/2023 stated that I have until XX/XX/2023 to respond. How can they determine if I'm unable to be located if they did not give me reasonable time to respond per their letter? This is illegal under 805 ( b ) of the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.

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 2020-07-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 at approximately XXXX p.m I deposited a check for {$7000.00} at the Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX AL. Today 's date, XX/XX/2023 at approximately XXXX p.m I entered the Wells Fargo located at XXXX XXXX XXXX, XXXX AL XXXX and spoke with a female clerk at the desk claiming to be a member of management about getting an advancement in funds from the Check that I deposited the night before to pay a bill. First she said that she could. Then she stated that she didn't even see where I made a deposit. I informed her that that was not true because I had the receipt saying that the funds would be fully available on XX/XX/2023. She replied with an attitude that she saw it and that the funds would be available on XX/XX/2023, then gave me a nasty look and mumbled something underneath her breath. This is the same bank we had problems with last year. These people, espeacially the manager, have nasty attitudes and are very prejudice. 

When she verified that the check would clear on tomorrow 's date, XX/XX/2023, I wrote two checks totalling {$1300.00} for bills. Now at XXXX while checking my account, I find that a hold has been placed on the check until XX/XX/2023 which is causing me hardship. I have never had a returned check but I guess it will be a returned check now thanks to this lie that Wells Fargo purposely and fruadulantly placed to harm me. If the two checks that I have written to XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX are returned due to the misleading, unprofessional, fraudulent, and ill-breded attitude that this XXXX  manager at the Wells Fargo branch this complaint is filed against, I will pursue legal advice. She told me out of her own mouth that it would clear and I did have a witness with me. Why do we as customers have to continue to endure such unprofessionalism and discrimination from these people that we are trusting our money and livelihood with when they continue to betray us with their deceitful ways.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXXXXXX 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 do not recognize this account. This is purely identity theft. 

XXXX XXXX XXXX XXXX - {$0.00} - TRANSUNION DELETE IT FROM MY CREDIT REPORT TODAY! 


In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of 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 2020-08-01
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I check my credit scores on a regular basis as I am trying to increase my credit scores. On XX/XX/2020 XXXX and XXXX increased my scores but Equifax took 29 points off for a credit card increase of {$3.00} dollars. I pay my bills on time reflected on XXXX XXXX 100 % and most cards have decreased due to Covid and not going out of the home. Attached is the report. Who makes these decisions? This is a bogus and gauging of points during a Covid crisis when people are without jobs and desperate. I have been diligent and paid my bills but 29 POINTS is obsurd!! It will take me a year to get these points back. The only change new on my account is one card had a {$3.00} dollar increase. Who makes these decisions, has the power to crush people. I'd like to know!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Round Up Ventures, L.P.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lendly is charging a much higher interest rate than was I was told during the application over the phone. The entire process was over the phone and when I asked for validation of my loan and comments to see my interest rate it was XXXX %. The Michigan XXXX loan maximum interest rate is 25 %. I send the Michigan XXXX statutory law to Lendly and asked for a reduction to the state maximum and was completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: MS
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:
I requested the credit bureaus verify all items on my consumer reports were accurate and they did the investigation and stated everything was accurate. I also did research myself and found inaccuracies on my consumer report even after they said they did a full investigation. In accordance to the FCRA the following accounts all have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX  XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: SinglePoint GI
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had registered for the fall semester but quickly learned I would not be able to afford the semester. I attempted to drop the classes a number of times but had issues, to which I had to receive assistance from the school to drop the classes. They assisted me in dropping the classes and told me I do not owe them anything. They forwarded the debt to a creditor prior and I provided proof of me not owing the debt. The creditor then sent the debt back to XXXX XXXX XXXX but they refused to remove the debt per the information I provided, claiming they made a mistake. Now its been forwarded to collections again.

Company response to consumer: Closed with explanation