BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access credit.

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 2023-08-09
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have initiated the opening of 1 personal checking account and 3 business account with Bank United, XXXX branch. I deposited {$50.00} in each account for a total of {$200.00} I was never able to use the accounts and the bank kept charging {$15.00} service fees on each account and then closed all the account and would not refund any of my funds. I have contacted their customer service and the Branch manger who keeps giving false information and asking for more time for upper management to respond. This case has been going one for a Year now. 

I placed another call today and was told that they have no answer. I need help in refunding my money please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XXXX, I was called from the credit card company to notify me that my payment was last due. I immediately paid my account in full. In XXXX there was an interest charge of {$2.00} that I was unaware of. Due to being unaware I missed that payment which caused a late payment. I was never called nor emailed about these charges. This continued on until XXXX when I logged into my account and noticed this. I immediately paid my account in full. 

I am disputing this because to my knowledge my account was paid in full in XXXX. I was unaware of any additional interest charges and the credit card company NEVER notified me of these charges. They have always notified me in the past, and you can see by my payment history I have ALWAYS paid my credit card on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX, XXXX XXXX XXXX sold my loan to Westlake Financial without informing me a day after I paid my car payment. They informed via letter 2 weeks after I demanded written notice of my account being sold. Westlake harassed me for a week, daily, telling me if I didnt pay my late car note that they would send it to collections. They had not even received any of my account information from XXXX XXXX XXXX yet per THEIR WORDS. I kept telling them I had paid it right before they sold it to them, but they kept calling me. Finally, after a week, they got in contact with XXXX XXXX XXXX to verify I had made the payment. I have made XXXX payments so far on the car and NONE of those payments have been reported to the credit bureau, and every time I call and ask why they have not been, they tell me its XXXX responsibility to report the first 6 months, and then when I call XXXX, they tell me they no longer have my information and that it is Westlakes responsibility. When I tell Westlake what XXXX said, Westlake tells me that they do not even have the first 6 months payment history and again, it is XXXX responsibility. Regarding the 2 months Ive been with Westlake, they have not reported those either even after I have filed 2 complaints to them and they said We report to the credit bureau the first week of every month. I have a strong feeling my account will be sold once again and I will go through this problem once more just so my credit continues to stay the same. I have worked very hard to keep a 100 % payment history and I have nothing to show for. To make sure I can not refinance my car and keep me with a high interest rate and loan balance that has yet to decrease by the way!

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-08-24
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Westlake took over servicing my car lease from American Car Center. After not validating the debt properly Westlake Repossessed the vehicle, they over charged on repossession fees and they never sent a right to cure letter. My vehicle was picked up on XX/XX/23 and as of today XX/XX/23 I have received no paperwork about my vehicle, only a bill every two weeks. I believe they sold the car on or before XX/XX/23 because the title was updated that day, I was given no notice of a sale taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX -- -- attached from courts to delete off credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rights were violated with all these companies reporting in my credit report in collections Paperwork attached in file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a {$300.00} payment through my Chase Bank XXXX service offering transfers. The recipient was a scammer and I called my bank to report the fraud.

My bank said they would try to recover the funds but there was nothing else they can do about the fraudulent transaction.

As a trusting consumer and loyal customer to my bank, your bank should not offer any services that are not backed up or protected by the bank.

As a consumer, I trust that any service your bank offers should be protected and safe, I mean it's your bank.

The transfer went from one bank to another so it should be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit System was not fair with collection notifications of this debt before sending to credit bureaus. 
This debt collection company didn't follow fair credit act by not : I nor the joint named person on this account : XXXX. Didn't receive enough information to verify this debt. 
XXXX. Notification didn't disclose it was an attempt to collect this debt. 
XXXX. Didn't receive notice of right to dispute. 
The amount of {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I will reference your Administrative Proceeding File No. XXXX In The Matter Of : Fay Servicing , LLC. 

-ILLEGAL PRACTICES AND NON-COMPLIANCE WITH MORTGAGE SERVICING RULES. 


Fay Servicing LLC is who this mortgage got sold to by XXXX XXXX and they are pulling the same XXXX again that they were prosecuted on in the above referenced Proceeding. 

-Procrastination -Claiming they don't have paperwork that they earlier said they had -Avoidance -Constant change of account reps who in turn claim they have no previous knowledge or notes on sale. 
This matter happens to include HUD which creates the additional need for timeliness. 
One buyer already backed out due to Fay Servicing LLC negligence and now over a full year later there is a second buyer in limbo with the same scenario playing out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax -I want to get my credit report .. 
they keep saying I need to verify information .. I answer the questions .. they still say those answers dont match .. then they immediately send me to a automated survey .. 
they also have attempted to run my account for XXXX for their premier service and say it will be refunded. 
I have no issues with the other credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX and 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 2019-07-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

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 2023-09-05
Company: EQUIFAX, INC.
State: IL
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 am preparing to apply for a mortgage. This is my SIXTH REQUEST for Equifax remove the compliance code comments/remarks that state Account previously in dispute now resolved by data furnisher and Consumer disputes this account information from the Comments and Comments 1 sections of my Equifax Consumer Credit Report for the following account : XXXX XXXX XXXX XXXX XXXX XXXX 

I am NOT disputing the account information or how the account is reporting. My only concern is the compliance code comments/remarks that utilize the wording Account previously in dispute now resolved by data furnisher and Customer disputes this account information. 

Kindly remove all comments from the above-referenced account that reference any dispute wording. I have included the relevant portion of my XX/XX/2023, Equifax Consumer Credit Report with the items highlighted and circled to assist you with identifying the items. 

Additionally, I recently reached out to XXXX regarding this matter. I have included their response dated XX/XX/2023, agreeing to remove the disputed status. However, the items are still being displayed on my Equifax Consumer Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, 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 information incorrect

Complaint:
I have been trying to resolve these issues with XXXX XXXX from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, XXXX XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Good evening, I had reached out to this financial institution to make a change to my credit card account so that I could activate a new card and my online portal, but the representatives and manager, " XXXX, '' actively refused to assist me despite me conversing in a professional manner. The information that they had incorrectly entered into my account is the phone number on file. 

I have another case already open with the CFPB regarding this issue, however, I received a document in the mail today from Capital One that I am perceiving as a direct threat to my life without reason or provocation. Instead, I have only tried to communicate in a professional and polite manner but have only been met with hostility, instigation, harassment, veiled threats, and a clear and present manipulation and fabrication of evidence. 

I am communicating though the CFPB as I do not feel safe speaking with Capital One directly. I am very afraid for my life at this time that they may escalate their attacks against me. 

At this time, I have no intent to continue banking with them, communicating with them directly, and I will never do business with them in the future. 

I am attaching a copy of the veiled threat that I received from this business this afternoon. 

Instead, I request only the following reparations : My personal information to be deleted and a receipt of destruction mailed to my residence. 

Documented evidence that any and all accounts in my name have been closed. 

Credit report repair. I'd like their card and inquiry to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Paypal Holdings, Inc
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:
An entity on my Paypal account is attempting to collect a debt of {$470.00} through an invoice. I don't have a debt. I am not affiliated nor do I do business with this entity or seller. I received an email from this entity on XX/XX/2023, at XXXX to pay this invoice. 




15 U.S. Code 1692f - Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
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 information incorrect

Complaint:
I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

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 2020-12-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my Experian credit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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