BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEMS XXXX XXXX To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. DELETE THIS ILLEGAL ITEM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Loan # :  XXXX  Dear Dovenmuehle Mortgage In  XX/XX/XXXX  I went to mediation with my mortgage company. I have been submitting information to them without any response. I call almost daily each time they told me I need something else. Each time I request to speak with the person handling my file she was never available. I finally call their attorneys and the clerk that was handling my file advise me to cc her on the emails that were being sent so. I did that to no solution. I spoke with  XXXX   XXXX  ID #   XXXX   who told me I was able to get a modification. I waited with no call back. I finally spoke with some one who told me today its too late my house will be sold on Monday if i do not come up with {$10.00},  XXXX . This is so unfair when I have been sending information since  XX/XX/XXXX  and never received a call back from this company. Please help me.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the 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 2022-09-29
Company: Chime Financial Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive attempted to transfer funds from my new Chime account since XX/XX/XXXX but it wont allow an ACH to my bank without a debit card being activated. I didnt order a debit card and wont need one to use their services. 

On XX/XX/XXXX I spoke to a rep who said I needed to update to another app service to transfer funds and suggested XXXX. It appeared to me only another bank account could be updated, no XXXX option appeared. Upon contacting a representative again I requested to close the account. The request was processed but I was told Id receive a check in 30 days which is unacceptable. Chime should be able to transfer out if I can transfer in and seems the goal for them is to tie up your deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor that 's attempting to collect a debt goes by the name of Santander. I have never done business with this company or even heard of them prior to the account hitting my report. I called in to customer service over a year ago to try to retrieve information about the account that was reporting and was told I could only retrieve information with a police report.I filed a report and faxed it in. I Called back after receipt and was given the name of the dealership where the account was purchased and the address. Upon googling, the business was in Louisiana and I have live in Texas s ince 2011. I re ached out to the dealership and they were no longer in business.I proceeded to dispute the account and it was removed from my reports but only for ab out 4 -5. Now the y 're attempting to collect under another name. Everytime I reach out for debt validation, I 'm simply being mailed a letter stating it 's been validated. To date I have received no signed contracts, no identification that the car would have been purchased with, or anything tying me to this debt. CAN YOU PLEASE FORWARD TO ME THE DOCUMENTATION YOU CLAIM WAS SUBMITTED TO ME IN AN ATTEMPT TO VALIDATE THIS SAID DEBT. BECAUSE I HAVE NOT RECEIVED ANYTHING OUTSIDE OF A LETTER SAYING IT WAS VALID. I HAVE NOT RECEIVED ANY DOCUMENTS OR A CONTRACT WITH MY SIGNATURE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Westlake Services, LLC
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:
Dear XXXX and or XXXX. There is information on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transaction that are reported on my consumer report I am requesting that the reporting of this information be blocked and deleted. My request to block and delete is not made in error, nor is my request to block and delete the information made on basis of material misrepresentation the identified transactions are not made by me who is the consumer. ( 1 ) XXXX XXXX address XXXX XXXX XXXX XXXX DE XXXX : ( 2 ) XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX status : paid, closed XXXX written off ( this account paid ) and I would like for it to be removed off of my consumer report ( 3 ) XXXX XXXX XXXX account number XXXX account type : collection date open XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO : date open XX/XX/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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: AL
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 submitted a letter to t he Credit Agencies abo ut inquiries on my credit report that I do not recall authorizing and that I do not have active accounts for from those companies who made inquiries on my credit. I also sent all the required information to confirm my identity : name, address, dob, social security number, proof of residence, and proof of identity. I received a letter from Experian asking me to send proof of identity which I sent with all of the original information. This is a stall static and I am dissatisfied with their efforts to verify or remove the inquiries.

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 2022-04-11
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a discover balance on my account for the amount of {XXXX} with N/A as the payment history. My credit provider doesnt allow me to check the date so Im not aware of when it was placed on the account. I sent XXXX a letter to remove it and havent heard anything back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
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: Account information incorrect

Complaint:
In   XXXX  , I consolidated my student loans through loan  servicer   XXXX   XXXX   XXXX   a nd the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old l oan as " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stu dent loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.

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 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-10-09
Company: OPORTUN FINANCIAL CORPORATION
State: NY
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I Was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these accounts ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Westlake Services, LLC
State: MI
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:
There are some hard inquiries on my credit report that I would like to be removed these hard enquiries do not belong to me. They are the result of identity theft

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 2023-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
There are some hard inquiries on my credit report that I would like to be removed these hard enquiries do not belong to me. They are the result of identity theft

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 2023-05-19
Company: American Credit Acceptance, LLC
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: Account status incorrect

Complaint:
On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX credit report by XXXX points ) : Balance Decreased : American Credit Acceptance account was closed - Between XX/XX/2023, and XX/XX/2023, your American Credit Acceptance automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better.

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for American Credit Acceptance : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to Transunion, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer right, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2023-08-21
Company: EQUIFAX, INC.
State: AZ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN has failed to respond to me I reached times even through CFPB to resolved an still sending me requested information. Failure to respond XXXX calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPEN CFPB COMPLAINT THAT STILL HAVENT BEEN RESPONDED TO ME XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

Company response to consumer: Closed with explanation