BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got this car from American Can Center on XX/XX/2023. At the time they told me they only had 3 cars on the lot because they were about restock. They never intended to restock they were selling all the cars with the intention to shut down the entire business. Although this loan is predatory in nature and numbers I still agreed to it because I needed the car. They told me that this lease could help improve my credit score. After making one payment to American Car Center, the following week on XX/XX/XXXX American Car Center abruptly closed down all operations. Since that time Westlake Financial has called and informed me that they took over the loans but couldn't provide me with tags because they never bought the titles from American Car Center and they were working on that. I have had this car 7 months and can not drive it due to not having tags. Also the car was broken into and nearly stolen because it's a targeted car being a XXXX which has a defect that allows them to be easily stolen. I can not get it repaired because there is no where to get it repaired due to the closure. What can I do to get out of this horrendous deal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CITIBANK, N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023, I obtained a personal loan from CItibank, where I have a credit card. One of the features of obtaining this loan that appealed to me and factored into my decision to commit to the loan was the ability to access my loan account information and make payments online. After I committed to this loan, I received an email saying that my loan account information would be visible on my " account dashboard '' when I log into my credit card online account. This information is not available in my online account dashboard for any account. 

I still do not have any type of online access to my account information or any ways to make payments online. I called Citibank on XX/XX/2023. The customer service agent said that Citibank was having problems setting up online access to accounts that have 11-digit account numbers, and my account had 11 digits. The agent told me this problem was ongoing since XXXX of this same year, but that he hoped and expected that the situation would be resolved within 24-48 hours.

After 48 hours, I called CItibank again on XX/XX/2023 and was told that this is an ongoing situation and they have no estimate of how long it might take to fix.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in 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 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One said they derogatory received information reason why they regarding closed all accounts as of XX/XX/2023. 

Reference XXXX XXXX  XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card ISSUE Closing your account XXXX. XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Spark Business Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: OH
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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:
I called Transunion to dispute some fraudulent inquiries that were on my credit that was not authorized by myself. This is my 3rd time trying to dispute these. The customer service representative wouldnt even allow me to give them the info I was trying to dispute. Below are the list of inquiries that are fraudulently being reported by Transunion. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2021-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I placed and order with XXXX XXXX in the amount of XXXX for and uh oh honey eyeshadow palette as of yesterday I received my order it was not the order I placed it was someone else 's order with a different invoice but the outside of the shipping envelope had my name and address their makeup company has no contact information just through email I'm a very disappointed customer I called my credit card company Capital one for the dispute but they are stating they need further information but didn't give me a way to attach documentation and gave me only a temporary credit I'm not paying for and incorrect item below I've attached photos of what I ordered and what I received instead

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item XXXX Bankruptcy XXXX does Not have an exactly matching Data Furnisher/Creditor Contract address location. XXXX shows ( XXXX Bankruptcy XXXX ), Experian ( XXXX Bankruptcy XXXX GA XXXX ) and XXXX ( XXXX ). 

2. The date filed and reported shows XX/XX/2022 with XXXX and Experian but shows XX/XX/2022 with XXXX. 

XXXX. The reference for XXXX is ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ) which is Inconsistent as well. 

4. Experian and XXXX Reports a closing Date of ( XX/XX/2022 ) and XXXX reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be 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 explanation
Consumer complaint received 2023-08-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible TBOM/MILSTNE XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: U.S. BANCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to U.S Bank but they were no help Thank you.

US BANK HOME MORTGAGE 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 2023-01-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the executor of my mother 's estate. She had a credit card with Truist Bank ( formerly SunTrust ) and I have been trying since XXXX to have the credit balance in the amount of {$210.00} refunded. I have tried calling the numbers on her statement and provided my qualifications papers several times but continually get transferred and passed around or no one can locate the information that i uploaded. 
I have been to my local branch multiple time. The first time a young lady assisted and told me a check would be mailed to my address. I waited over 30 days and nothing arrived! I received notifications of change of address but no overpayment check. I again went to the branch and spoke with another person in XXXX. I had to provide my paperwork all over again. This gentleman contacted the credit department and told me a check would be mailed and I would receive it by XX/XX/XXXX at the latest. I have still not received the check. When I have attempted to contact the branch person again I get not response! He has gone dark on me. This whole experience has been so aggravating and frustrating and I am at a loss as to how to get it resolved other than filing a complaint.

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 2021-02-16
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As my mortgage is more than 90 % paid off and my taxes and insurance have already been paid for the year. I have requested from LoanCare on two separate occasions in writing to stop collecting escrow on my account and return the overage to me in the form of a check. This is in addition to the two phone calls that I have made spending a total of 90 minutes on the phone requesting the same exact thing. 

The current amount of the the overage is {$380.00}. 

Dealing with Loancare has been a nightmare from the very beginning. The main reason why I have advanced my mortgage is to make sure that I will not have to deal with them any longer. 

Judging by the horror stories on the internet regarding Loancare and their feeble attempts to service mortgages, this is a widespread problem.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint was closed because Experian responded there's is no bankruptcy listed on Experian credit report. I have accessed my consumer report multiple times and the bankruptcy has been on there for years so i do not know how they are saying its not listed i will upload some screenshots of where my consumer report has Experian reporting the account. They are falsely reporting data and have not provided any proof of the account and also did not properly validate the debt before reporting it. 
My rights has been violated a number of times 15 USC 1681s 2 ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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. I have given no 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 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-01-16
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call today on my cell phone while I was working from a " XXXX XXXX '' from XXXX XXXX in regards to two fraudulent claims attached to my name and SSN and that I have a breach of contract with the intent to harm a financial institution as well as a series of returned checks and that I would have to appear in court on them once it was filed. The debt is for a series of payday loans from Check'n Go through an online loan. I have received no written requests for payment on this debt. This would result in a civil judgement and wage garnishment. He proceeded to leave me a case number ( XXXX ) and a contact number for the " plaintiff ''. When I called the number that was left ( XXXX ), I was directed back to this XXXX XXXX. They tried to confirm my information, and did have my name, the last 4 digits of my SSN and my address, but none of the other information matched mine. I advised the agent that none of this information matched up with me and this wasn't my debt, and the agent said " good luck in your dispute '' and hung up. I was already shaken, but then got a message from my mother about an hour and half later letting me know that they had contacted her and told her they were trying to collect a debt and even confirmed some of my personal information. I was able to call the representative back and advised that none of the information they had on this debt is mine. He said he would file a dispute with his supervisor and hung up. I know contacting family members the way they did is illegal under the Fair Debt Collection Practices Act, 15 USC 1692c. They have provided no documentation on this debt and are threatening to file suit and garnish my wages without attempting to collect through normal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed numerous complaints with TransUnion and get the same response. TransUnion responds In the same manner in every response. However, no investigation takes place and no follow up is done. It had been well over 90 days from first initial dispute. Its almost been a year and nothing has been done. I have filed numerous complaints with the CFPB and Trans give the same response every time. After not doing an investigation on the first time I want all Inquires removed on all 3 complaints. 

Complaint # XXXX on XX/XX/XXXX Complaint # XXXX on XX/XX/XXXX Complaint # XXXX on XX/XX/XXXX If these are not removed its time to move forward with class action because Im sure this happens a LOT!!

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation