BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX has violated my rights. 

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

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

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY

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 2023-10-17
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 2022-12-28
Company: EQUIFAX, INC.
State: MI
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 # 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 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  has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Some individuals managed to get my account information and stole money from my 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 2022-07-20
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan through Westlake Financial Services that was opened in XXXX of XXXX. The loan is for a XXXX XXXX XXXX XXXX. I had obtained this via XXXX XXXX XXXX in Pennsylvania. On XX/XX/XXXX at around XXXX EST I had called out to Westlake Financial due to an emergency and needing to see if I could have my XXXX payment deferred. After speaking with XXXX XXXX for a while he did agree to defer the payment and had me and him sign an agreement/contract stating my payment would be deferred. I had to pay a XXXX $ payment towards it and I did that. I was told via voice, and the print out of the contract that my payment for XXXX would be deferred and I wouldn't owe it until XX/XX/XXXX. I had figured everything was okay. A few days later Westlake called me saying I was late with my payment. I explained that I had been approved a deferral and I was told that was false I was not they had no idea what I was talking about. I asked to speak to a supervisor and was hung up on it. This has continued every day multiple times a day causing extreme anxiety and I have missed doctors ' appointments because of their harassment towards me in regard to this. I told them today that I had filed complaints because of this and the woman laughed at me telling me there is NO way I had a deferral approved. I do have it printed out, as well as downloaded. I am very upset they continue to call, and have told me that it will be reported as late to the Credit Bureau the XXXX. They also will repossess my car as of XX/XX/XXXX. I have no idea what to do at this point besides this, the banking XXXX and getting in touch with an attorney personally. I do know they have had plenty of lawsuits that they have lost for improper collections, inappropriate repossessions, and other crimes. Please help me stop them from bullying and scaring me.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
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.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
My Name is XXXX XXXX XXXX In accordance with the fair Credit Reporting act XXXX  Account # 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 602 A. States a consumer reporting aenc can not famish an account with out my written instructions. These Items I am Disputing is from the XXXX XXXX XXXX Website who no loner service my Account information, My XXXX negative Items from Experian Should be Removed because some on else Called XXXX XXXX XXXX Handel 's my loan Information and they never placed A negative Report on my Credit File.I did not Authorize nor Did I Give Them the Authority To Report this. Also my Reports are over the limit to stay on file because its been 8 years since the filing. Now if This situation does not Resolve in my Favor I will take every one to court. The Consumer Financial already helped me remove These negative fed loan Items off of XXXX XXXX XXXX I don't understand why Experian keep Getting away with this when I Have proven The evidence Before.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: KY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-03-13
Company: Early Warning Services, LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I reached out to a person on XXXX who goes by the XXXX XXXX to get concert tickets, as they made a post that they were selling tickets to see the XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023. I reached out to them to inquire more. I told them that I was wary of scammers selling tickets, and after assuring me they werent a scammer, they even stated that I can only pay half and then after they send the tickets I can pay the remaining amount in good faith. I was fooled by the human-like interaction I was having, and ended up sending half the payment, {$180.00}, through Zelle. The Zelle account is XXXX. The scammer kept alleging they didnt receive the money, yet it was already taken out of my account so I told them I wasnt sending anymore. After I realized I wasnt getting the tickets I paid for, I told them to refund me my money. They ended up blocking me and putting the scam back up on XXXX after I looked from a different account. They ended up getting suspended on XXXX and the next day, I reached out to my bank, XXXX  XXXX XXXX, to see what I could do to get my funds back. By the end of last week, they resolved it saying they reached out to XXXX to get the funds back and they refused to cooperate. Therefore, I am filing a complaint against Zelle, XXXX, and XXXX XXXX XXXX for the {$180.00} dollars I sent to the scammer through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a Bank Account Monitoring Alert from my monitoring company, XXXX XXXX, indicating that Bank of America had identified me as part of a new account opening on XX/XX/2022. This was absolutely not true. 

I began the process with XXXX XXXX to indicate that I was not aware of the specific activity. After several calls with XXXX XXXX and with Bank of America via XXXX I confirmed that my identity had not been used. I subsequently advised XXXX XXXX that all was well. 

On or about XX/XX/2022 I received a letter from Bank of America instructing me on how to manage my two ( 2 ) accounts. Then, on XX/XX/2022, I contacted XXXX XXXX and Bank of America to delete my two ( 2 ) accounts. I was on the phone for nearly 2 hours with Bank of America XXXXepresentatives in Florida, Texas and subsequently in Tennessee. The third representative confirmed that my accounts were finally closed and I advised XXXX XXXX of this.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting 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 2023-06-06
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2023 we requested Mr. Coopers Escrow Department to reanalyze our escrow account as a result of our home receiving XXXX  homestead exemption which also included the prior year. Mr. Coopers Escrow Department contacted me 3 weeks later after my persistent request for a status on the request to reanalyze our loans escrow. Mr Cooper told us that XXXX XXXX didnt reflect the exemption and refused to look into it further! I immediately contacted XXXX XXXX and obtained the exemption document Mr. Cooper told me didnt exist and we submitted it again and requested our loans escrow be reanalyzed. Again no response until I sent a request for a status, the middle of XX/XX/2023 we received a call from Mr. Cooper advising us the exemption was indeed in place and we should expect a refund of {$600.00} from XXXX XXXX and that Mr Cooper is waiting on XXXX XXXX to confirm the exemption and then they would re analyze our escrow. Now, yesterday, I contacted Mr. Cooper and to my amazement we were advised our loan has been transferred to another servicer. Its pretty obvious that Mr. Cooper refused to process our escrow review because they knew our loan was going to be transferred! We were not advised about this until I contacted Mr. Cooper and was advised they dont have my loan; and said the new servicer will be intouch! Wow!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 Section 602A 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 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 2022-07-21
Company: Affirm Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
During XX/XX/2022, I was approved for purchase loan for {$360.00}. I called The XXXX XXXX about a XXXX case they are selling on their website for XXXX XXXX. I asked if this item will fit without any inserts, I was told this was a perfect fit. After receiving the Case, I noticed it was very big and heavy and did not fit my XXXX XXXX. On XX/XX/2022, I asked for a return label, they refused stating this was a Clearance item, which I am not aware of. Since this case did not fit my controller, on XX/XX/2022. I paid {$56.00} at XXXX XXXX and sent the case back. I was notified by XXXX, they received the return case. During this time I called the finance company, Affirm.com to report I return this case to The XXXX Hook Up. Several times Affirm tried to collect the payment after I advised them the item was return. On XX/XX/2022, Affirm stated they have close my dispute file and I will have to pay for a return item, otherwise Affirm will put the balance owed on my credit report. I am asking your help to resolve this matter before they put this return purchase on my credit report. Attached return label uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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:
This is my second 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a dog training program on XX/XX/XXXX that included a lifetime membership to group classes offered at least once per week. The total was {$3200.00} split into XXXX payments of {$1600.00} to the merchant name " XXXX XXXX ''. The first payment was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. The second payment was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, the dog training company, decided that they would no longer honor the lifetime classes and instead charge a membership of $ XXXX. The company is still in business and not bankrupt, they have just changed their business model and will not honor previous contracts. Another way of thinking of it is if you purchased a yearly subscription for XXXX and 6 months later, XXXX announced that the yearly subscriptions would be cancelled, not honored or refunded and you would have to take the monetary loss and resubscribe on a monthly plan. 

I reached out to Bank of America to dispute one of the {$1600.00} charges from XXXX and the representative told me to mail a letter to their Texas Claims office since the transaction was over 2 months old. I mailed the letter and reason for delayed dispute and my claim was opened on XX/XX/XXXX. I received a request for more documentation but there was no upload option on the Bank of America website. I called and a representative told me to print out the documents and mail it tot the Texas Claims department. On XX/XX/XXXX I received a letter stating that the claim was denied because the dispute was too far back. I called Bank of America again to clarify the issue and was told to send another letter to the Texas Claims office with more detail. I did so, with more detail and documentation and a new claim was opened on XX/XX/XXXX. I received another letter of XX/XX/XXXX stating that the claim was denied again because of the time frame. 

It is clear that there is a disconnect in practice within the Bank of America and that their claims department is not putting the required time and attention into resolving their cases.

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 2019-10-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX - $ {$2400.00} First Reported XX/XX/2019 Original Creditor-CITIBANK N.A. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX   XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR CITI BANK AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.

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