BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2023 TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts.I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off m BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. 

No one never told I was never told, I could opp-out because I have the right to privacy where and why XXXX points was taken from me the BENEFICARY ). So, I am also requestting those XXXX points and any other points that was taken from me, be put back on my ( BENEFICIARY ) consumer report. I am also requesting this information that is due to identity theft be block being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request tp blocl the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER.

And the law says sction 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. 

Respectfully, XXXX : XXXX XXXX BENEFICARY UCC 1-3081ITHOUT PREJUDICE I RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.

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 2017-08-01
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: Account status incorrect

Complaint:
I complained of this problem over a month ago, XXXX and XXXX already closed and removed XXXX XXXX from my file. TransUnion is still showing it as an open account, complaint # XXXX on file. I 'm trying to rebuild my credit now after my two XXXX in XX/XX/XXXX and XX/XX/XXXX,  which caused me to close my business.sometimes I wonder if they do it on purpose so they can make more money off you. I 'm not asking for any favors, just do what 's right. It 's an open and shut case, a no brainer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: World Omni Financial Corp.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
SETF payment failed in XXXX. Due to my my husband during on XX/XX/XXXX and a cluster of other bills I have been struggling financially. Then Covid happened. I asked Toyota for relief and the did give me 2 months but apparently there was a XXXX payment that said was XX/XX/XXXX payment that did not go through and failed. I have told them my husband died and I adopted my granddaughter due to her mother XXXX due to a car accident. But they said no and turned me into the credit bureau.i have made good on my payments and trying to rebuild my credit. I am XXXX XXXX  and trying very hard to rebuild my life and credit without bankruptcy. I am asking for help. 
My granddaughter I adopted mother was was in the XXXX XXXX but was hit by a drunk driver in XX/XX/XXXX. She was XXXX  and died in XX/XX/XXXX. After my husband died I adopted my granddaughter. I am not looking for a hand out but a hand up!! Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
When I test drove a vehicle on XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) assured me that viewing estimates for my auto loan rate that it would be a soft inquiry. Now I have XXXX hard inquiries on my Equifax report - one from XXXX XXXX XXXX XXXX. and one from XXXX XXXX XXXX XXXX. This will effectively lower my credit score for XXXX years, and should I try to apply for any other form of credit, give me an unfavorable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I noticed on my credit report I had a debt collection from Portfolio Recovery in the amount of {$480.00}. I mailed a debt validation letter on XX/XX/XXXX and the company received my letter on XX/XX/XXXX. The company mailed out a response letter on XX/XX/XXXX that did not contain any validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, at XXXX, I received an email from Wells Fargo XXXX under the email address, XXXX. My email address is XXXX. This email message notified me that their was an application for a Wells Fargo Everyday Checking account on XX/XX/2022, submitted under my name XXXX XXXX. This application reference number is XXXX. I then received an email message from Wells Fargo, under the email address XXXX, on XX/XX/2022, at XXXX, with an access code- XXXX XXXX. A third email immediately followed the second email, and indicated that my application was approved for an account, an account that I did not create. I then received a fourth email, that reminded me to complete my enrollment. The fifth email I received from XXXX stated that my delivery preferences were updated for statements and notices for an account ending in XXXX. The sixth email I received was an email message notifying me that my email address was changed to XXXX. This email message also contained a number to call, XXXX, If you didn't make this request. Since I did not make this request, I called XXXX. This number is owned by Wells Fargo, as stated in the answering machine. After stating the reason for my call was for other reasons. I came in contact with XXXX XXXX XXXX at XXXX, at the Wells Fargo call center in XXXX XXXX XXXX XXXX who refused to help me deal with the unauthorized account access and creation. I then asked XXXX to speak to a supervisor. I was then transferred to XXXX XXXX at the XXXX, Idaho Wells Fargo call center, who also refused to help me. While on the phone with XXXX, I asked to file a complaint against her and XXXX both. She then provided me the complaint number XXXX. I find it absolutely astonishing that no one at Wells Fargo can help me lock my account, or prevent someone from fraudulently accessing my account. I filed a phishing complaint to their phishing email address. I provided them with my social security number, my birthdate, my phone number, my username, my email, the application number sent to my email, and the access code that was sent to my email, and Wells Fargo employees, XXXX and XXXX, both refused to help me. I am reporting this to you to have this fraudulent activity stopped stopped as soon as possible, before all of my personal information and/or financial resources are stolen. Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
It started from I made a reservation at a Hotel on XX/XX/2023, and the check-out date was XX/XX/2023, but for no reason did the hotel owner get rude to me and harassed me by towing my truck on the night of XX/XX/XXXX while I still have the reservation for that day. A week later, Westlake Financial emailed me that they were trying to impound the truck. I did not know the purpose of doing that or how Westlake Financial knew about the incident, so I remained quiet. I filed a civil complaint with The General Attorney 's office of Virginia because I thought only the harassment from the hotel XXXX in XXXX, XXXX Last week I received a letter from Westlake Financial stating The truck is under repossession and will sale in XXXX and added {$1600.00} to the balance on m account. My truck is full of inventories that cost over {$25000.00}. Westlake never disclosed. I called Westlake Financial and got the answer I owed them {$300.00} was the reason for repossessing. The repossession is illegal ; I never owe them anything. I made payments on time on XX/XX/2023 the payment was made, but the truck got towed on XX/XX/2023, and on XX/XX/2023, I still made a payment. The account online shows the next due date is XX/XX/2023. What reason to repossess my truck? The way Westlake Financial did to my account, it seem like the transaction they knew since the beginning of the incident, none of investigation or questions to me, but put it directed to the plan they had set up. I think three companies, XXXX  XXXX Hotel in XXXX, VA, XXXX XXXX XXXX, and Westlake Finacial, had a conspiracy to commit this crime by trying to exercise the legal authority they thought they had in hand. It was a robbery with a plan.

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 2023-07-03
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
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: Account information incorrect

Complaint:
I submitted on-line dispute twice to all three credit bureaus ; Experian, XXXX and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. XXXX which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from Experian and XXXX nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

XXXX has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from XXXX only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from XXXX, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both Experian and XXXX a call and spoke with a representative. Both stated that they did not receive any information from me or XXXX and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple attempts to dispute have come back as verified. Request for method of verification ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I KEEP GETTING CALLS FROM KINGS CREDIT SERVICE ABOUT AN ACCOUNT THEY CLAIM IS MINE. I'M TIRED OF THEM HARRASING ME EVERYDAY, SEVERAL TIMES FOR AN ACCOUNT THAT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: IL
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:
Dear XXXX XXXX XXXX, XXXX, XXXX, and Experian Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards XXXX and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, 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 2023-08-07
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX Was offered concert tickets via a local XXXX page. Was asked to send payment via Venmo. Was given tickets for {$400.00} but only sent {$200.00}. I said to send me 2 tickets and then I will send you the remaining money. They committed in writing to transfer the tickets via XXXX. They then said they can not transfer just one ticket and I need to pay for all four. I knew that was false because thats not how it XXXX works. I am mediately requested that they Venmo my {$200.00} back. They asked to confirm my account, and then they disappeared and never sent the money. 
Venmo said they would investigate it but from everything Ive read they dont protect people. I would not want this to happen to anybody else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: DC
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 single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.

Company response to consumer: Closed with explanation