BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I wrote to all three credit bureaus and asked them to provide me with proof about my student loan account. I am sure I have not been late on these accounts but they are reporting as late on my credit profile. I waited the 30 days as required, but did not receive any documentation showing the payments were late as required by law. 

I then requested a re-investigation into my student loan payments on XX/XX/2022. Again asking for proof my payments were late as I am sure they have never been late. Still no reply as of today, XX/XX/2022. 

The accounts in question are XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I wrote to all three credit bureaus and asked them to provide me with proof about my student loan account. I am sure I have not been late on these accounts but they are reporting as late on my credit profile. I waited the 30 days as required, but did not receive any documentation showing the payments were late as required by law. 

I then requested a re-investigation into my student loan payments on XX/XX/2022. Again asking for proof my payments were late as I am sure they have never been late. Still no reply as of today, XX/XX/2022. 

The accounts in question are 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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX 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 2022-06-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/XXXX, LoanCare , LLC ( XXXX XXXX  XXXX ) incorrectly purchased hazard insurance for my mortgage loan. Upon calling numerous times, LoanCare responded and said that they recently erroneously updated the date of my insurance expiration to XX/XX/XXXX instead of XX/XX/XXXX. They also responded and said that the insurance premiums would be refunded to my escrow account as a result of their error. 

On XX/XX/XXXX, I received an update to my mortgage loan requesting an additional {$440.00} as a result of the negative escrow balance from the illegally and incorrectly purchased insurance.

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 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a Capital One Venture account for over 6 years and on 3 separate occasions, I paid the bill from the wrong checking account ( which the app defaulted to ) and then the payment was returned I immediately paid it with the correct account. My account was then closed for fraud because I paid from an old checking account ( accidentally ). I have accrued XXXX miles in the past 5 years with this card. I was planning on using these points for my honeymoon and now I am told " sorry there is nothing we can do and the reward points are gone. '' I was also told that I was going to get an update from Capital One within 14 days of when I contacted them ( which should have been XX/XX/XXXX ). I never received any correspondence and when I called today, I was told they have no way of getting in touch with me. That's funny considering they sure do know where to send bills and fraud letters. My initial contact with them was on XX/XX/XXXX. I would like my miles reinstated or {$2500.00} taken off my current balance. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with Experian and XXXX on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both Experian and XXXX have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX Accounts ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXXXXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If Experian and XXXX does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.

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 2022-08-20
Company: Experian Information Solutions Inc.
State: CA
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  Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: IN
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:
After carefully reviewing my EQUIFAX credit report I noticed that there are several inaccuracies. Amongst these inaccuracies there are 4 credit inquires that I did not authorize, nor do I recognize. The following inquires are as listed along with the dates in which they occurred : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have resigned from XXXX and have asked to transfer my XXXX to my Thrift Savings Account. XXXX XXXX has contracted with a company called XXXX XXXX to execute this transfer but the company refuses to execute the transfer. I have tried calling and emailing but they dont seem to recognize XXXX as a legitimate financial institution. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of Identify theft. Pursuant to 15 USC 1681b ( a ) ( 2 ) States that a customer consumer reporting agency may not furnish a consumer report only in accordance with written instructions from customer. I, the customer, never gave Equifax any written consent to report anything on my consumer report. No Consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX sent DISCOVER certified mail a affidavit with violations that they committed. This resulted in DISCOVER closedown my account without my permission, which is a violation under the of Permissible Purposes 15 USC 1681b. I was not compensated for the other violations under FCRA and TILA. I sent them a NOTICE OF INTENT TO ENFORCEMENT, stating where they were in violation and how I rather handle this out of court and not wasting anyone time, especially the JUDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX, have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to 15 U.S.C 1681 section 602 A I have the right to privacy. 
These addresses do not belong to my credit XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Also inproper names : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I ran into some medical issues and got behind on my payments in XXXX I called was advised what needed to be paid to get back on track I made a {$690.00} payment XX/XX/XXXX and another $ XXXX mid XXXX and was told I was back in good standing tried using my card XX/XX/20 to be told the account was closed I was never advised my card was closed as a matter of fact when I went into the app to check my balance its still showing I have XXXX in available credit so I called again today they had no answered for me and told me it can take XXXX days to get resolution Ive never missed payments prior or since all my emergency medical issues

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both XXXX and Transunion have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX XXXX  ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If XXXX and Transunion does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.

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 2023-02-07
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt was paid after months of back and forth. I contacted the fed loan service because it was as a result of a student loan and they stated that I dont owe the university anything since I dropped the classes due to XXXX and before the drop period. Even though I paid the full amount they still placed it on my credit report which hurt my credit. I would like any negative remarks removed from my credit in good faith from the university since the bill was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a XXXX hacker impersonating to be my friend and asking me for help. It asked me to use this email address to send the money, XXXX. Then gave me XXXX email to use for XXXX. I sent {$800.00} via Wellsfargo, XXXX email account on XX/XX/XXXX. XXXX days later I realized that I was scammed through posts on XXXX, called Wellsfargo and made the claim on XX/XX/XXXX. 
Then I received XXXX different letters dated for XX/XX/XXXX from Wellsfargo. One informing me about the claim being the payment was processed as requested and then the second letter stating denied based on the information available to us. 
I called Wellsfargo to clarify the status and that I was willing to send them any evidences of XXXX XXXX XXXX account being hacked and reported. WELLSFARGOs response was that the case was closed and that they wont be needing any additional information regarding the case. 
When asked if there is anything I can do, WELLSFARGOs response was that they are willing to support me by receiving the refund if the scammer chooses to send it back through WELLSFARGO.

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 2022-06-22
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
There was a transaction on XX/XX/2022, that I did not authorize on my Paypal account for {$220.00} converted to Thai currency. The recipient was ( XXXX ) The transaction description was in broken XXXX. 

I got the point outr was a lot more money to go to get to my house I do not know anyone in XXXX and I did not purchase anything online. 

I immediately called Paypal to dispute the transaction, but they ruled that it was not unusual activity and would not reverse the transaction. 

I also called my bank to inform them of the situation. In order to stop any withdrawals from paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I saw this verbiage on my XXXX credit report that I did not wright : XXXX & xx-xx-xx xxxxxxx id fraud victim alert fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. this victim alert will be maintained for seven years beginning XXXX. 

I don't know where this came from but the XXXX is a number I do not recognize the XXXX is my cell phone. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX is the only information that should be on my account Also I am employed by 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Transunion, have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to 15 U.S.C 1681 section 602 A I have the right to privacy. 
These addresses do not belong to my credit XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Also inproper names : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received my credit report on XX/XX/XXXX, and noticed some addresses and names that were incorrect. So I contacted Experian on their website and tried to dispute the wrong addresses and names. The website said I needed to send proof of residency and my ID. Which I did on XX/XX/XXXX. I sent a letter asking them to remove all other names and addresses from my credit report. I'm scared of Identity theft and if their addresses are receiving credit card offers in my name. We live in a crazy world. The tracking number for the letter I mailed to Experian certified USPS is XXXX. After mailing the letter, I waited 5 business days. Then I checked to see if the incorrect information was deleted. I was shocked that the incorrect information was still there. I had no problems from XXXX or XXXX. So I called on XX/XX/XXXX to see if they needed anything from me to remove the incorrect information, but they flat out refused to remove the incorrect names and addresses. So I decided I would give it a week or so and try again. So on XX/XX/XXXX, I called again to be told they will absolutely NOT remove any of the incorrect information. I have tried every avenue I can think of to get this problem resolved. According to 15 USC 1681 : I have not given my written consent to any person or company to put my personal information on my credit report. The incorrect Addresses on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The incorrect names are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
Please help me get these 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation