BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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 would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 

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 non-monetary relief
Consumer complaint received 2017-04-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
on XX/XX/2016 my Social Security Number was used to apply for payday and quick cash loans online. Multiple attempts were made, some were successful and others were not. I have submitted all of the required information to the quick cash lenders and all but XXXX have accepted them and are working with me to clean up this identity theft. Cash Central of Ohio is denying my fraud application even though I have sent them all of the required documentation. their only response is I need to work with my local police. I have obtained a police report and there is nothing else the police department can do because this was an online fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Personal Cash Loans of SC, Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was out of work for 3 months with out getting a paycheck. I was diagnosed with a XXXX XXXX and I was out of work. I am behind on all of my bills. I made one payment last month to this company and plan to make another one this month by the XXXX. It is all that I can do right now. One of the employers name XXXX is calling my job after I have asked them not to call my job twice. I get left voicemails everyday during my work hours on my cellphone. They are harassing me. I do not want them to call my job or my cell phone anymore. I will get them a payment by the end of the month and at least once a month until I can pay more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/23 I disputed account with a regarding title of NO RESPONSE. I requested verification or delete on account because credit report is reporting a debt that I do not recall having. I disputed through XXXX and XXXX and only XXXX responded deleting account. XXXX continues reporting debt without verifying account. Credit reports states account has been disputed and meets FCRA requirements. How is this possible if I dont recall debt and creditor nor bureaus have provided verification.

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 2020-03-31
Company: Vericred Solutions LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
recently a collection appeared on my credit report from vericred credit solutions. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo Bank closed my company 's corporate checking account without my company 's permission.

Wells Fargo claims they sent a refund check, but it was never received.

I have repeatedly contacted Wells Fargo about the issue, and they are aware and agree a refund check We ; ; s Fargo claims was issued in XX/XX/2018 was never cashed.

I have asked Wells Fargo to cancel the previous refund check they claimed to have sent and re-issue a new refund check.

Wells Fargo has not issued a refund. 

Account number XXXX Amount is {$300.00} Thank you, XXXX XXXX XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently discovered unauthorized activity on my credit report. I am not understanding why, because I have not given any consumer reporting agency written consent to report any information on my consumer report. This unauthorized reporting, done without my explicit consent, equates to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
recently a collection appeared on my credit report from XXXX  XXXX XXXX. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
My name is XXXX XXXX and I have an account with West Lake Financial. On XX/XX/, I made a payment of XXXX with my debit card ending in XXXX to Westlake Financial. Westlake financial is stating that on XX/XX/, the money was returned to my bank as a chargeback. I keep calling my bank and they keep saying the payment is successful to Westlake and Westlake is saying that my bank has the money back. Westlake was even included on a 3 way call to the bank where the bank told them the money was not charged back. 

All transactions receive a unique ID number. I keep asking Westlake to provide this number for the chargeback and they keep saying they dont have one. My car was illegally repossessed, and the bank insist that Westlake was successfully paid. 

Someone has this money ; I have never experienced this and from my research Westlake has multiple lawsuits for illegal repos. I am trying to work this out without going that route, but I am not having any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact Cavalry portfolio services on several occasions in regards to a collections debt that is mistakenly on my credit report, they have not and will not send me a copy of the original debt to even determine if it is mine nor when it happened or what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report wich caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate.

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 2023-10-24
Company: CITIBANK, N.A.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accourding to my consumer rights and FCRA law 15 usc 1681 you are required by law to provide me a signed contract that this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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

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 2022-12-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX   now.with no help.

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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a derogatory account reporting on my credit for a credit card that was discharged in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was discharged

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 2023-10-14
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I have reached out the the XXXX creditors in this matter, Best Buy/CBNA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

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 2023-10-14
Company: Atlanticus Services Corporation
State: FL
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 closed my Aspire credit card on XX/XX/23. The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XX/XX/23 a late payment was reported! This has damaged my XXXX credit XXXX! At the time of my account closure on XX/XX/23 my payments were current and not late! I have disputed three times with XXXX and they say aspire says its open! But when I contact aspire they send me emails confirming the account closure date and I send that to XXXX and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from aspire customer service or they deflect the issue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: The Wilber Law Firm, P.C.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has hired The XXXX XXXX XXXX XXXX and other extensions ) to make attempts at collecting an amount they " feel '' I owe them based on their payment to an insured client of theirs. I am not responsible, legally or otherwise, to pay. I 've spoken with them numerous times and have repeatedly asked that they cease communication at once or escalate this matter to a court of law. They have done neither of these things. These attempts and harassing phone calls continue to be disruptive to my daily life.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 explanation
Consumer complaint received 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
I previously had a Fraudulent account on my credit report which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was investigated by all 3 credit bureaus and was deleted from my credit report. 

To my surprise after checking my credit report this account suddenly shows back up on my credit report. I wrote all 3 credit bureaus on XXXX. 

First off this was not my account to begin with. Then it was deleted after fraud. 

Then it suddenly reappears on my credit report. 

However secondly I was never notified in writing within 5 days after this account was previously deleted which is a direct violation and again it wasn't my account to begin with which is why it was previously deleted. 

Please have Trans Union, XXXX and XXXX Delete this account for it is a direct violation.

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