BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2022-07-10
Company: Chime Financial Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a flight with insurance on XX/XX/30 it was for the incorrect date. I noticed and called the airline they refused to fix the flight they wanted to charge an additional {$100.00} to change or to cancel so I called to dispute it with my bank they canceled the dispute said its not an error but I never took the flight and it wasnt even supposed to leave til XXXX. XXXX XXXX, XXXX XXXX insurance and chime financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Checkr, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I WAS NOT MADE AWARE BY THE BUSINESS MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my TransUnion report due to inconsistent and inaccurate reporting.

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 2018-10-30
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
There is an issue every time I have to deal with these loans. I am not the borrower, I am the cosigner for the loans. Just today I was told that the loans show paid in full in their system by the first person I talked to and then the second person told me that the information I had just received was incorrect. I have had these issues for years. In total I have paid XXXX toward the loans. The original amount borrowed was XXXX they now say that I owe over 90000.00. There is atleast 1 payment that was never applied to the loans and a bunch of payments that were misapplied. Mainly they just apply the full amount to one loan and nothing to the other loans and continue to charge excessive fees and call to let me know that the payments are delinquent even though they were being automatically withdrawn monthly. Anytime I call to address any problems it takes hours of time and several people that aren't able to handle the problems. In order to be able to identify their processing issues I had to hire and pay an accountant because their records are completely user unfriendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TN
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 2022-12-23
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the XXXX is a client of yours, owner of wallet XXXX, that utilized your services to launder the money, as it can be verified by the following transactions : XXXX and XXXX through the wallet XXXX. 
The scammers were committing financial crimes, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX wallet in the total amount of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Google Compare Credit Cards Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX was contacted by phone XXXX. I spoke with 'XXXX ' who said they would call back on the landline I was speaking over. When 'XXXX  ' returned my call I was told yes my e mail address had been hacked and it would cost $ XXXX a year to block it. I will attach a screen capture of what appears to be eastern XXXX dating sites I have never contacted. Prior to 90 days ago, the only return for a search of my e mail address was two family DNA sites. The sites added approx. 90 days ago show bolded " XXXX XXXX XXXX '' and all contain gibberish word salad that anybody would realize are malware sites. I have filed complaints with FTC and FCC ( file numbers attached ) and XXXX ( attached ) and have received nothing but auto responses. On XX/XX/XXXX I attempted a 'Who Is ' search of the two domain names of these 6 slanderous sites use of my e mail and found they had all been " redacted for privacy '' as of XX/XX/XXXX. 
I have used this e mail address since approx. XXXX while using XXXX as dial up ISP to sign onto XXXX. XXXX XXXX has not been involved in E mail for years, I have used XXXX since I first got a computer and Malwarebytes BLOCKS all attempts to access '.club ' sites. All of these 90 day old sites are .club. This is slander, libel invasion of privacy and RANSOMEWARE by 'XXXX  XXXX at XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel that Wells Fargo May be acting unlawfully please see attachments for more information

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 2021-09-20
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of this year we was hit by a tornado and our house was severely damage by a XXXX pound tree falling on it. We contacted insurance and our mortgage company. I wanted to skip a payment cuz we had no clothes or anything and was informed by my mortgage company XXXX XXXX XXXX XXXX XXXX that they offered a disaster relief program and that it was standard to take is since our home was unlivable that they would put our payments on hold until the house was rebuilt. I was reluctant to accept cause I told the agent I wouldnt be able to pay such a large sum back at once when the house was done to which the response was to not worry we would just do a modification to the loan and move payments to the end of the note. The bank has held us up every step of the way and made it very difficult to get money to pay for repairs. After 5 months we are fixing to move home and my program has ended. I tried to start making payments but was told I couldnt and I needed to pay over {$6000.00}. I told them my agent had sent me paperwork to do a modification to the loan. I was told that the application couldnt be sent in because although my program had ended the case wasnt closed and that it would take some time to process. After two weeks it still wasnt closed and they reported to my credit that I was 180 days delinquent so my credit score plummeted. After reporting to credit bureaus they have started processing my application. I feel like Im being railroaded or scammed by the bank and they are intentionally doing things to cause these issues for their benefit.

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 2021-09-20
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a payment due on XXXX  that was set for autopay. I called XXXX  to notify Westlake Financial Services that I had a new bank account number and to please use the new one. As shown on the screenshots below every time that I would log in it to make a payment, it would say that I did not have a payment due until XX/XX/XXXX in the amount of {$550.00}. It also clearly game a warning that a payment was in process and asked me if I was sure if I wanted to make another payment. I don't have the money to make a duplicate payment. As a student and full time XXXX driver, I would've made the duplicate payment if I would've known my car would be repossessed for their own mistake or not updating the financial dashboard. Very misleading and borderline malicious how XXXX went about things. In my head without any email notice or phone call, from Westlake Financial ( The Lender ) and the Collections department that is ironically also ( Westlake Financial ), my car was repossessed on XXXX  and sold back to the original dealer of purchase. Weird. In addition, at the time of purchase the dealer did not give me an option to use XXXX XXXX or another lender of choice and pressured me to use Westlake Financial which is not surprised. At first when talking to XXXX XXXX at XXXX, he refused to answer any questions and kept referring me back to the dealer as the car was sold back to them in the matter of hours. I personally believe the relationship between Westlake Financial and this dealership is very suspect. On top of this, XXXX has a 15 Day Grace period to make a payment which in this case, they took my recently purchased auto and {$1500.00} hard earned dollars for being 10 days late. I am a full time XXXX driver and this has taken a toll on my quality of life and will require a serious lifestyle change to get my life back. I am in the dispute process and hope that the XXXX can help me with a resolution to get my vehicle back.

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: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 items 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 2022-11-23
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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 belongs to someone else

Complaint:
I never initiated a loan with XXXX, but they refuse to acknowledge that this is an error or fraud. the company that actually sold the product agreed that this was in error and credited /canceled the order. XXXX, the loan company will not remove it from my credit report and continue to harass me for payment. 
i have filed a complaint with the XXXX  ( complaint # XXXX ) i have also filed a complaint with the Attorney General consumer protection ( complaint # 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 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The response to CFPB XXXX : XXXX states " the merchants decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. As a result, we re-billed the disputed transaction '' -- -- -- The merchant never made any terms or conditions of sale available to me -- -- -- Merchant sold a car he did not own, and to this day I do not have title to the vehicle and I suffered a significant loss to address the issues with the other vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.

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