BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: 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.

has violated my rights. Or list of inquiries 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.

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 2023-04-21
Company: EQUIFAX, 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Westlake Services, LLC
State: MN
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:
we are a licensed used car dealer that obtained a vehicle persuant to minnesota statutes sections 514.19 and 514.20. we sold the vehicle to our client who has had it reposessed 2 times from the lienholder previous to our obtaining the vehicle. the first time it was returned and now this time they refuse to speak to us or give us any information about recieving our vehicle back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I have called 3 times and unsubscribed from being sent convenience checks and I am still getting them in the mail. They are not wanted and are putting my credit status and identity at risk without my permission. Citibank has failed to stop sending the checks for over 1 year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The short version is that I can not get anyone to pick up the phone in the fraud department for XXXX XXXX XXXX owned by Synchrony Bank ). I have been on hold for for hours - last night and today, and can not get a person on the phone. The number is ( XXXX ) XXXX. Two fraudulent transactions from a country I have never visited have appeared on the account, and I have no way to resolve the problem. ( I have tried online chat/ the login portal, but only the fraud department can do anything ). 

The long version : On XX/XX/XXXX at approximately XXXX, I received a notification that two charges had been made on my XXXX XXXX XXXX owned by Synchrony Bank XXXX My card has been frozen for a long time, so I knew these were not placed by me. 

I immediately attempted phone contact while logging in. I was told that no one can address the issue via the website ; only the fraud department. I was on hold over an hour last night before giving up and hanging up the phone. 

Today I am CURRENTLY on hold and have been on hold for one hour and 10 minutes.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After reviewing my credit report, I noticed several items and information that I did not authorize or have knowledge of. These fraudulent items must be removed from my credit report immediately, as per FCRA Section 605b. I have filed a CFPB complaint and provided the necessary documentation to support my claim. I need the following items investigated and removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to clarify that I did not open or give authorization for these items to be listed on my credit report. As stated in FCRA Section 605B ( a ), the credit reporting agencies are required to remove any information listed on an ID theft report, and I have filed such a report with the FTC. I expect these fraudulent items to be removed from my credit report within four business days of receipt.

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 2018-02-21
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:
XXXX XXXX XXXX said i didnt have credit history and XXXX and transunion cant seem to fix my credit with the inaccurate information they need to fix that asap

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-05
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I tried to pay majority of my car note. My car note is {$340.00}. I go through the WestLake Financial app to pay. I enter my debt card information, the system says there was an error and to try again. I enter the card information again and it says the payment was successful. I receive a email saying 2 withdrawals for the amount of {$300.00} was processed. I call the WestLake Financial customer service line and state I would like a refund for 1 of the {$300.00} payments. She says it will take 5-7 business days for me to receive a refund. Next, I contact my bank ( XXXX ) and asked for them to issue a temporary debit provisional until I receive the refund from Westlake. They issue the temporary provisional with no problem. The same week on the day of Friday the XXXX, I received the refund from WestLake. The following week, I go to pay the remaining balance of {$45.00} and the balance is now {$0.00}. The starting month of XXXX, I pay {$150.00} and it tells me the remaining balance is {$190.00}. The following week, I go to pay the remaining balance and it shows a balance of {$540.00}. I contact Westlake Financial to see what the issue was and was told I have a leftover balance of {$340.00} from XXXX. I tell the representative thats not right and that the whole payment was made already. The representative hangs up and I call several more times but no luck as most of the representatives barely speak English. Finally able get in touch with a representative who speaks somewhat better XXXX and he tells me XXXX reversed the payment on the XXXX of XXXX. He told me in order to make my account balance current, I would have to pay {$160.00}. After paying the {$160.00}, he says there shouldn't be any issues. Several more representatives from WestLake contacted me about making a payment and I Immediately asked to speak to a supervisor. He tells me his records doesn't show a payment being made besides the {$45.00} and he wouldn't be able to give me credit for {$300.00} and there was nothing he could do. He asked me to email WestLakes dispute department a copy of my bank transactions showing they took out two payments of {$300.00}. I email them the copy and I haven't heard anything back from them yet. I contacted XXXX and they state that their records doesn't show a reversal on the XXXX nor do they see an extra {$300.00} in my account showing from WestLake. As every single day goes by, they add on {$7.00} which has amassed {$400.00}. I have never missed a car payment for the couple months I have had this vehicle and don't wasn't this to mess up my credit because an error in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX  XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXXXXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Account on my credit report is frauds and should not be on my report. A car was financed in my name fraudulently and was not authorized by me I was a victim of the XXXX  XXXX data breach and my identity has been stolen and used back in 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 2023-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Servicer, i.e. Select Portfolio Servicing Inc. ( SPS ) took over my mortgage Account from XXXX XXXX back in XX/XX/XXXX. I contacted Select SPS by phone on XX/XX/XXXX around XXXX for two ( 2 ) concern. A guy picked up my call and we had aa bad conversation ( comin from him ). 

My Questions were 3 1st question was for the Year ended Statement ( XXXX ). I asked for IRS Form 1098 statement and he gave me YTD Interest & Real Estate I Paid all of XXXX. He gave me ebginning from XX/XX/XXXX. I needed for the whole year ( XXXX ). He rudley that I have to call the previous mortgage holder. I told him that that I tried with no success. I can file my XXXX Tax Return w/o those info. 
2, SPS charges $ 15/month for on line payment. This issue began in XX/XX/XXXX. I pay on line w/o help. That is a ripoff. SPS is dwelling on XXXX, XXXX and elderly people. SPS has a pattern to take advantage of these groups. I am surprised that the Government allows them to operate. 

3. Hostile and Rude customer Service Reps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: GFS II, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XX/XX/XXXX XXXX I had purchased a XXXX XXXX  XXXX they picked the car out for me first of all. I purchased their insurance witch had a 7 day warranty on it. So the car was driving fine for a few days then the 5th day I had it my motor blew out while I was on the highway with my brother my childs mother and child in the car so I got it towed to the mechanic I paid witch shouldve been paid for through the company from the warranty insurance I purchased they send the car to a different mechanic which was ( XXXX XXXX ) so ( Right away ) where I got the car from told me they had order another part for the XXXX so they put me in loaner car which I had wrecked no serious damages Months are going by now I called ( XXXX XXXX ) and they told me they couldnt fix it. I called ( Right away ) to let them know .so they sent the car to XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. XXXX told me that they wouldnt fix it because the car had been up there before for the engine in XX/XX/XXXX and the warranty didnt cover the expense for the engine and the car just been sitting in the parking lot without getting worked on for months with the keys locked in it. So ( Right Away ) send my car to a different XXXX XXXX  dealership in saint XXXX Mo. I was behind on my payments cause now I had to pay to get to work with XXXX which costed me XXXX a week so they took the car from the mechanic. They threatened to take me to court after I was waiting for 4 months to get my car fixed. Gate way financial had reported late fees with a balance In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Data Mortgage Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In XX/XX/XXXX, I was approved for an FHA Covid forbearance. I spoke with an agent in XX/XX/XXXX and the forbearance was extended until XX/XX/XXXX. I have not rec 'd any updates or calls from Essex Mortgage since XX/XX/XXXX, which is a clear violation of FHA guidelines which require the loan servicer call a client every 30 days while in a FHA forbearance. I called the Essex on XX/XX/XXXX to request a final extension to restart my payments on XXXX XXXX, the agent advised they would extend the forbearance and said they were having some system issue and the phone was disconnected inadvertently. I tried calling several times to resolve this and received a message that due to system changes and the high volume of calls to try again later ( wow ). That continued for about a week or so when I finally was able to speak with and Agent named XXXX. It was clear that Essex has now moved its Loss Mitigation department internally and was not prepared for anything. All I want is my forbearance extended to XX/XX/XXXX and resume by monthly payments. This forbearance is covered under the CARES ACT and Essex needs to get their act together. Please read the Read the FHA guidelines CARES Act Forbearance Fact Sheet for Mortgagees and Servicers of FHA, VA, or USDA Loans If a borrower can still make their mortgage payment, request that they continue to do so. However, if the borrower requests a forbearance, a servicer must give them the forbearance requested. 
No documentation is required to prove the hardship beyond the borrower asserting that they are suffering from a hardship. 
This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status. 
Under the CARES Act, borrowers are entitled to request an initial forbearance of their monthly mortgage payments for up to 180 days, and may request up to an additional 180 days.

Servicers must approve the forbearance for the amount and time that the borrower requests.

Under the CARES Act, this is done at the borrowers request and for as long as they request, up to 360 days in total ( initial up to 180 days and then up to another 180 days, if requested ) Please extend the forbearance and make sure no negative reporting as occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On, around, or before XX/XX/XXXX, I received an email from PayPal stating that my password has been changed. Being that I have no logged into this account in well over 6 months, I know for certain that it was not me, nor did I grant anyone access to make any changes to this account whatsoever. Being that I have completed the " Fraud Victim Affidavit '' due to my identity being used in and or on other platforms without my authorization, this type of occurrence may have transpired due to the access of all my accounts, emails, messages, passwords, contact information, etc. being in the hands of an unknown person.

Company response to consumer: Closed with non-monetary relief