BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2019-06-18
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Finally, XXXX sent me an itemized invoice. They then proceeded to attempt to give me the run around by saying they'll send me an affidavit to complete, I told them that was total nonsense when I'd already sent them my official FTC affidavit. 
I will now stick to the guidelines given me from law enforcement directly and will no longer go back and forth with 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 2023-05-18
Company: Credit Karma, LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank card was compromised and money stolen on XX/XX/2023. I've filed a police report and been assigned a permanent police report number. I've given this documentation to Credit Karma. I've tried to no avail to get a new bank card. The issue is my address. They wont update the address. They wont answer my question on when I will get my refunded stolen funds other than it can take up to 3 months. This is not reasonable in any way. This is my primary account and the only money I have is within this account for which I have no access other than a virtual card. Im not asking for anything unreasonable. I need to have access to my funds and I dont. They are not offering reasonable assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
*See Attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2023-03-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was made aware by mail that my TD Checkings Account, Savings Account, and Credit Card has been Closed. After visiting my local branch they were unable to tell me an appropriate reason as to why my account was closed.The reason I was provided was " Closed by demarketing Department ''. They told me to call their demarketing department and I have not heard back in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MN
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:
As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by XXXX. I contacted XXXX for a response, and was told that there system showed an XXXX max XXXX  score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only XXXX, but the credit reporting outlets have gliches in their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}

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 2022-01-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Central Portfolio Control Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am receiving harassing phone calls and emails from the 2 collection companies that XXXX XXXX is using to collect whats I owe. I have spoken with the collection agency and gone over everything with them twice and they are verbally abusive, threaten me and speak down to me. They raise their voices during the call as well. They call my work phone and cell phone every morning and every evening including weekends. They are sending emails threating wage garnishment and the amounts do not match what I owe. I have hired a credit counselor to assist me and even he can see that the information isnt accurate. We have been disputing this for a month but the harassment and threats are what need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Dave Operating, LLC
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I made several attempts via Social Media and App Help Desk ( per the described, outlined methods of contact in the outlined contract ) revoking ACH and debit access to my account. On XX/XX/23 I made 3 requests for due date extension, which went unacknowledged. I proceeded on XX/XX/23 to revoke account access expressly and in writing via the XXXX XXXX XXXX and Social Media XXXX. Both requests were acknowledged as received, however XXXX only moved forward with due date extension and I still had to confirm and continue w/ revocation. Revocation of ACH was completed on XX/XX/23, however XXXX representatives state it is impossible for them to revoke debit access. This has been said multiple times by them in writing. They then processed XXXX $ debit on my card after revocation - XXXX still pending ( unauthorized ) withdrawal XX/XX/23. I opened a XXXX  complaint against them, and they keep updating the XXXX complaint requesting I email in on the original email chain. I did XXXX, no response. i created a new ticket, no response. I called today and spoke to manager XXXX, who says original ticket is closed, no one will respond to that ( so why they are instructing on the XXXX ticket for me to email in on an inactive ticket is beyond me, and why they didnt respond to new ticket is beyond me ). XXXX confirmed it is impossible for him to revoke debit access, but they have escalated to corporate to investigate and someone will call me back. I requested a timeline of callback, they refuse to provide one. I told them I intended to file Attorney General complaint ( i did today ), any other complaint within my legal rights, and consult a lawyer if possible. I also will put a stop payment to them on all debits/charges, which costs me XXXX $ that I should not have to pay, to try and ensure that the payment doesnt process, but I am concerned they will change their name slightly to take the funds, as well as break the amount up, after I have revoked access to my account and they have no legal right to do. It is of note, we are well outside of any needed payment revocation authorization window needed, so any request to revoke should be able to be processed, as payment date is XX/XX/23 and I have been requesting in writing since XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: DE
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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on the account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 disputed XXXX  XXXX XXXX  XXXX XXXX  XXXX ) with trans union on my credit report that was discharged as part of my bankruptcy. I provided court documentation to transunion after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the debt.

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 2023-12-27
Company: Westlake Services, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
On XX/XX/XXXX at XXXX XXXX I contacted westlake financial about my late payment on my car loan. I had circumstances that made it impossible for me to make this payment on time. I explained what this was and Told them I could make the payment on the XXXX, which would be 24 days late as it was due on the XXXX. They agreed to this and set up a payment for the XXXX the XXXX I was contacted by the dealership I bought the car from saying that the bank defaulted on my loan and they were repoing my car. My car was returned that day. on the XXXX XXXX XXXX processed the Payment!!!. So I got ahold of them and they did nothing to resolve this. 
It is evil what they did to me. That XXXX XXXX was all the money I had in the world. And the truck I bought with my livelihood and they took them both. After professing that they understood my circumstances and set a date for me to make it right so that I didn ; t lose either. Isn't a verbal agreement binding in a case like this? I lost my job because I couldn't make it to work after this happened.This was wrong. So unethical. And terrible business.

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 2023-09-19
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a transaction of {$400.00} on XX/XX/2023 on CashApp to an individual online whom I thought I knew. That person was hacked. As soon as I realized the transaction was hacked I notified CashApp to stop payment. I notified them in less than 20 minutes. The payment had not gone through. The payment showed pending all day. Later on that day, the payment was processed through to the hacker. I've tried 4 times for CashApp to explain why they have not refunded my money. They told me they were not going to refund my money but they would look into the transaction to learn. CashApp is a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened XX/XX/XXXX ( XXXX mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. How come it's open then XXXX? 

I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have medicaid and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$15000.00}

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To Whom It May Concern I have a hard inquiry on all three of my personal credit reports that was nor authorized by me and is clearly fraudulent. The company name is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. In my personal statement included in my credit report, it clearly states that I am a victim of identity theft and that I am to be contacted personally before any activity of any kind takes place including my personal credit being accessed. My credit report has been placed under a credit freeze for this exact reason. I never have done any business with this company of any kind. This is clearly 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 2020-11-03
Company: Experian Information Solutions Inc.
State: MO
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:
Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}

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 2023-08-06
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXX XXXX, They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a T. I thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I requested a re-investigation with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " TRANS UNION LLC CONSUMER DISPUTE CENTER, With no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures

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