BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXXhas violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end 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 2023-09-22
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately 7 years ago, I was the victim of an XXXX XXXX. My driver 's license, social security card, check books, debit cards, credit cards and many other items were stolen from me. Since then, I have had numerous problems and errors on my credit report. A multitude of accounts have shown up, some removed easily and some still lingering. I also learned that a lady named XXXX XXXX XXXX, that apparently has my same DOB has accounts on my credit report as well. She has a terrible driving record, criminal record and civil records that pull up when I am in question. This has been a series of unfortunate events and a HUGE headache, to say the least. XXXX XXXX XXXX does not and has never lived in Alabama. I have never lived outside of Alabama. However, when I attempt to get different coverage for my vehicles, I have a hard time due to her issues. There are collections accounts on my credit report that belong to her, as well as, apartment rentals in different states that she has defaulted on. I have contacted all 3 credit bureaus and placed freezes, locks and alerts on my report but something always pops up each year I check. Please help me correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a vehicle from US auto sales. The location at the time was XXXX XXXX XXXX, XXXX, NC XXXX phone number XXXX. I traded in a car and received a down payment credit of {$3200.00}. the vehicle I purchased was a XXXX XXXX XXXX XXXX. The purchase amount was {$20000.00} and was financed in a contract with US auto sales at the time of the purchase. I purchased a vehicle service contract and gap insurance, which was agreed to be paid in the car payment that I make biweekly. The vehicle service contract was totaled in the amount of {$2300.00} and the gap insurance was {$690.00}. With this being said my payments for my car to is {$210.00} biweekly. US auto sales in turn shut down this year ( XX/XX/XXXX ), and I am still being held responsible to pay for a service contract I can no longer use, as well as gap insurance that I can no longer use. Us auto sales transferred their debt over to Westlake portfolio management. At this time I had to send in a letter for debt verification to Westlake portfolio management because I did not sign a contract with them. I signed a contract with US Auto Sales. US auto sales has breached that contract. I am wanting to know what can be done about this issue? I should not have to pay for a service contract I can not receive services from. Even though I signed for it, i no longer am able to receive either coverages put yet I am still expected to pay for it. In regards to this matter I have reached out to the Attorney General of North Carolina and the FTC. I am asking that you help seek a solution to this irresponsible matter. I do not want to give my hard earned money to a company who is doing nothing but taking my money. I understand my financial responsibility to pay for a car, but it is also their responsibility to hold up their end of the contract that i signed and not to breach it when I signed for a vehicle service contract and gap insurance. It is also unfortunate that US auto sales is the lienholder on my car. Therefore, I can not trade it or sell it. If there are some possible suggestions that could be given to me on what should be done in this matter, could you please reach out to me as soon as possible? thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Company : XXXX XXXX XXXX My Email : XXXX My phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX My car was totaled as of XX/XX/2023. I had liability insurance so XXXX XXXX placed XXXX insurance ( comp. and collision ) on my account. I opened a XXXX. Claim on XX/XX/2023, and I have XXXX insurance that was placed on my loan as well. I have been paying on time for the last XXXX years. An accessor deemed my vehicle totaled. I was then given a voicemail in XXXX that my claim would be closed due to XXXX Auto didnt fund or make a payment on the XXXX insurance. My account was then transferred to XXXX. So, my vehicle has been sitting totaled at an auto body shop for several months now and the shop owner is wanting storage fees. The vehicle is in CA at this shop and XXXX still getting collections calls and emails from XXXX to make a car payment and no help on my claim. My claim number for XXXX was XXXX. I appreciate your help and immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Im with us auto sale now under westlake big problem trying to repossess vehicles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: SC
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 XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern PLEASE UNBLOCK XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX. PLEASE UNBLOCK SO THAT WHEN XXXXXXXX XXXX REPORTS MY INFO AGAIN, IT REPORTS ON MY CREDIT REPORT AGAIN. I NEVER ASKED FOR THIS ACCOUNT TO BE REMOVED. IT FIRST REPORTED IN XXXX BUT AFTER THAT WAS REMOVED WITHOUT MY KNOWLEDGE. PLEASE UNBLOCK. I HAVE TRIED TO FIX THIS ISSUE EARLY THIS YEAR AND WAS COMPLETELY IGNORED. I EVEN SENT A PHYSICAL LETTER BUT STILL IGNORED. PLEASE RE-INSERT XXXX XXXX XXXX  ACCOUNT XXXX. I NEVER ASKED THIS ACCOUNT TO BE REMOVED. XXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ). PLEASE RE-INSERT. CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXXXXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) account : XXXX, PLEASE RE-INSERT/UNBLOCK. IT HAS NOT BEEN REPORTING ON MY EQUIFAX CREDIT REPORT FOR MONTH 'S. THIS IS DEFAMATION OF CHARACTER, AND EQUIFAX HAS COMPLETELY IGNORED MY RIGHTS. I DID NOT AUTHORIZE THIS ACCOUNT FOR XXXX XXXX XXXX  ACCOUNT XXXX TO BE REMOVE. PLEASE RE-INSERT. UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act Convergent. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXXXXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) to current. 

PLEASE RE-INSERT MY ACCOUNT BELOW : PLEASE RE-SERT THIS ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX PLEASE RE-SERT THIS ACCOUNT BACK ON MY CREDIT REPORT. 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On about XX/XX/2023, I was served a civil summons from Plaintiff MIDLAND CREDIT MANAGEMENT , INC through their Attorney XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX TN XXXX ; notifying that this debt collector was suing me. I responded to the attorney via certified mail on XX/XX/2023, I demanded validation and proof of claim in accordance with the FDCPA, 15 USCG 1692 et seq and the fair credit billing act, 15 U.S.C. 1666. I have confirmed through my returned receipt they received it on XXXX XXXX. I did not receive a response to my request from their attorney and instead received an invoice on XXXX XXXX dated XX/XX/2023 directly from Midland Credit Management XXXX XXXX XXXX notifying me a lawsuit has been filed against me signed from a XXXX XXXX XXXX Group Manager. Warning me that judgement may be seeked against me. I have no contract with this company nor have they addressed anything in my dispute of this alleged debt.

Company response to consumer: In progress
Consumer complaint received 2023-08-11
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my XXXX XXXX credit report that I did not authorize. 
It occurred on XX/XX/2023 and the company 's name is XXXX ( XXXX ) There is a hard hit on my XXXX credit report that I did not authorize. 
This one occurred on XX/XX/2023 and the name of the company is Corelogic Credco 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 2023-11-19
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act 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  has violated my rights. 

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

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

Company response to consumer: In progress
Consumer complaint received 2023-08-10
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a payment of {$45.00} XX/XX/2023 on cash ap which I believe was a scam. After I made the payment the person stopped responding, so I contacted cash app support through the app and by phone and no one is assisting me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, Having received a {$27.00} charge from TU *TRANSUNION that I did not recognize, I called my bank and initiated a dispute, and found out that I actually was charged twice ( {$54.00} ). The credit card was cancelled and the dispute initiated. I only have a free account with Transunion that I use to freeze and un-freeze my credit to add security. However it looks like the credit bureau found a way to charge for unsolicited services, which is clearly a scam. 
I called Transunion to investigate and was told that I enrolled in a credit monitoring service. I told the person on the phone that I did not request nor enroll in any service, however he person did not listen and insisted requested the service, which I did not. 
I believe Transunion is scamming customers. 
Can you please help me by sharing what you can do from your help me and other consumers to prevent this kind of fraudulent practices? 
Thanks in advance. 
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 monetary relief
Consumer complaint received 2021-07-09
Company: The Thomas Agency, Inc.
State: NC
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:
XX/XX/2021 - I received a telephone call from a blocked number while at work. The message said that it was the Thomas debt collection company and that they have business with me. 

When I returned their call, I asked what debt they were calling about. To my knowledge, I do not have any outstanding debt. They refused to tell me who the debt was owed to or what it was owed for and requested a portion of SSN. I am not willing to give, even a portion, of my SSN to an unknown company. 

I asked why I have not received written notification of the debt or written notice of an attempt to collect. I asked to verify the address on the account. They would not verify it with me.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged 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