BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XXXX XXXX, 2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
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 ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agency still indicate my dispute of information in my credit report. As of todays date, the Equifax to answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit reports inaccurately report my XXXX XXXX XXXX XXXX XXXX account as OPEN. My XXXX XXXX XXXX XXXX XXXX Is required to be reported as Closed by Consumer and/or permanently deleted from every credit reporting agency file. Pending investigation, my XXXX XXXX XXXX XXXX XXXX Account must be reported as DISPUTED. Failure to promptly report my account as Closed by Consumer on every credit report shall be considered a Willful Violation of the FCRA and Metro 2 protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I issued a check, check XXXX, to myself for owner pay. I I pay myself bi-weekly. 
XX/XX/XXXX I deposited check XXXX into my personal account via the XXXX XXXX mobile app. Ive attached a copy of that check to this statement. 
XX/XX/XXXX Upon trying to reconcile my business bank account, I noticed my balance was negative. I immediately called the customer service reps at US Bank and asked them to look it my account. I noticed the check XXXX was debited from my account a second time on XX/XX/XXXX. I didnt authorize this. The reps at US Bank looked into this and reversed the transaction, along with the fees associated with my account going into the negative. 
XX/XX/XXXX XXXX bank sent my check back, because they said it had been deposited twice. They did a review and on XX/XX/XXXX they determined there had not been an error in my account. XXXX unsure where the check was sent back to, because I wasnt alerted by US Bank that I had a return check. 
XX/XX/XXXX I called US Bank and asked them to investigate that 2nd debit again that occurred on XX/XX/XXXX. 
That is when the banker noticed there was a 2nd signature on the original check, that didnt belong to me. It was also a name that I didnt recognize. The check was originally made out to me. I am the only authorized person on this account. 


XX/XX/XXXX - I got a letter from US bank stating that my claim had been approved. I disputed the claim because US Bank recouped the funds from the wrong bank. US bank alerted my XXXX account. They never tracked down where the XX/XX/XXXX transaction was deposited. 

After contacting US Bank several times during XXXX, XXXX and XXXX to ask them to please reopen my case because they recouped the funds from the wrong bank, they denied my request on XX/XX/XXXX. They told me they denied my request because I didn't discard my check. This would be understandable if they didn't already alert one bank. What's different now? US Bank should do the right thing and alert the bank where the 2nd, unauthorized transaction took place.

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 2023-08-22
Company: EQUIFAX, INC.
State: WA
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 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.

Also they aren't even in compliance with metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COLLECTION DEBT FROM DESIGNED RECEIVEABLS SO- XXXX XXXX IS NOT MINE DEBT, AND IT VIOLATES MY HIPAA RIGHTS IF IT WERE MINE, I AHVE NOT HAD ANY ACCOUNTS WITH DESIGNED RECEIVEABLES,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-09-07
Company: Westlake Services, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Westlake Financial debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed two vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the Westlake rep ) that the loans would have to be paid because Westlake would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. Westlake had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their Classic Car policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by Westlake via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through Westlake and was declined due to a repo or chargeoff. After being on hold for 45 minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted Westlake many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows two chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of Westlake for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on 2 chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.

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 2023-03-04
Company: Experian Information Solutions 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:
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 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 2023-09-14
Company: EQUIFAX, INC.
State: CA
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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received XXXX separate notices in the mail from XXXX XXXX ( a debt collection firm ) regarding XXXX separate XXXX accounts in my name. I did not open these accounts XXXX  acct # XXXX or XXXX ref # XXXX for {$450.00}, XXXX  acct # XXXX or XXXX ref # XXXX for {$420.00}, XXXX  acct # XXXX or XXXX ref # XXXX for {$280.00}. 
I never received anything previously from XXXX. only from the collection agency. I called XXXX XXXX and filed a dispute stating it was fraud/identity theft. 
These XXXX XXXX accounts have showed up on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, -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 ALL NEGATIVE ACCOUNTS LISTED BELOW -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: FL
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 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have been paying my payment for 3 years. Recently they closed all businesses down with no help to us the consumer. My car stopped running over a month ago and I no longer have a warranty and the shop can not figure out what is wrong with the car. I'm going to have to figure something out because it's getting expensive paying car payments, insurance and still pay another ride to get around to pay my bills. I'm at a lost of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-07-05
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) My husband and I fell behind with mortgage payment, XX/XX/XXXX. Matters became worse, XX/XX/XXXX, when my husband suffered from XXXX and XXXX ( Medical care - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX ) and was forced to stop working. Although, we are pursuing my husband 's XXXX ( payments ), we have fallen further behind. To date, XXXX XXXX. has never provide us with a monthly mortgage statement. We have requested several times for a statement. <P/>
2 ) We attempted to settle past due amount {$3000.00} ( account # XXXX )XX/XX/XXXX. Mortgage company ( Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) refused our letter / offer to settle. The subject mortgage company, XX/XX/XXXX, pursuing foreclosure via their legal representation ; XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( phone # XXXX ) 3 ) We have reviewed our situation with local Legal Aid Society of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, NY XXXX. ( phone # XXXX XXXX contact XXXX XXXX XXXX, XXXX. ) 4 ) Our hope and request is we to save our home ( value - {$130000.00} -  estimated, loan balance - {$30000.00} - estimated. We would like re-payment plan or re-finance ( conventional or possible VA loan. Please review above matter for any assistance you may be able to provide. <P/>Thank you, XXXX and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting 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:
The Civil Rights Division of the Department of Justice, created in XXXX by the enactment of the Civil Rights Act of XXXX, works to uphold the civil and constitutional rights of all persons in the United States, particularly some of the most vulnerable members of our society. The Division enforces federal statutes prohibiting discrimination on the basis of race, XXXX, XXXX ( including XXXX, XXXX orientation, and gender identity ), XXXX, religion, familial status, national origin, and citizenship status. I confirm that this is a violation of civil rights and I will seek compensation for the damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I moved out of an apartment everything was left clean and immaculate everything was paid and then I see a collection on my credit report from this rental company for no reason trying to charge me {$4500.00} for a dog cage they said that was left in the backyard mind you I did not even own a dog!! This is an error and it's impossible to speak with anyone that will help! Ive always paid my bills on time and never had any issues and now I need to move and this collection that SHOULD NOT be on my report is hurting me from getting a new home. PLEASE HELP!! These people XXXX are liars and won't even bother responding to my letters requesting PROOF!!

Company response to consumer: Closed with non-monetary relief