BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: Westlake Services, LLC
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On Sat XX/XX/XXXX I recd a letter in the mail from Westlake Finanical Company, LA, CA for a fraudulent loan that they purchased from XXXX XXXX XXXX in NJ. The monthly payment was stated as {$320.00} for a XXXX XXXX XXXX XXXX class to which I did not purchase, sign or co sign for. They had an incorrect email address listed on the form and bolded underlined section about how this may not match the address states or consumer credit report. I called the company 3 x and spoke to 3 different people ( XXXX XXXX, XXXX, and XXXX XXXX ) at XXXX. They all 3 gave me different information and were not helpful, very suspect, unprofessional and quite honestly seemed more like a debt collection. I could not speak to a manager or legal. I filed a report with the local Police Dept who also called and got no information as well. They will be issuing subpoenas and warrants. There as another name on the loan that I do not know nor never have - XXXX XXXX. I have contacted the credit bureaus to put an alert and freeze on my reports although both of these above names were listed as inquiries. This is a fraudulent use of my credit report in this auto loan process. Please advise next steps. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Reporting company used your report improperly

Complaint:
I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
Recently, I did an investigation on my credit report which caused XXXX 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 1681e ( b ) and 15 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A {$40.00} ATM withdrawal appeared on my USAA checking account statement that I do not recognize and dispute making. The charge appears as : " XXXX XXXX XXXX XXXX XXXX CA. '' USAA says this ATM is located near XXXX, CA. I haven't been to XXXX, CA in 40 years. 

USAA stated that they determined it was not fraudulent. I asked for supporting documentation or information. USAA has not supplied any supporting information as required by 12 CFR sec. 205.11 ( d ). 

My dispute # with USAA is Dispute XXXX. My checking account number ( now closed ) is : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-13
Company: Experian Information Solutions 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 recently have reviewed my credit reports and show inaccuracies being reported to my credit file by Experian. I have disputed with Experian, and they have yet to remove these inaccuracies which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX. 

Creditor Name : XXXX XXXX XXXX  Acct # : XXXX Experian is not removing XXXX XXXX  past due was a goodwill agreement to stop reporting and XXXX and XXXX have already removed it. Previously disputed and Experian must comply. 

Creditor Name : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX collection past due has removed from XXXX and XXXX but Experian has failed to drop it after multiple disputes. Must comply. I have a right to an accurate credit file. 

Creditor Name : XXXX  XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX past due goodwill agreement to be removed from reporting and XXXX and XXXX have removed however Experian has failed to do so. Must comply.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
On XX/XX/XXXX I applied for an auto loan with XXXX. XXXX pulled my credit report from Experian and they denied my car loan stating that : - I have insufficient or lack of income ( Not true- I have been a XXXX employee since XXXX with a salary of {$130000.00} yearly ). 
-Serious Delinquency ( Reviewed Experian and I don't see any delinquencies on report ). 
-Time Since delinquency ( Reviewed Experian and I don't see any delinquencies on report ). 
- Too many inquires in the last 12 months ( Reviewed Experian and I don't see too many inquires on report ). 
Credit score shows XXXX ( When i review my credit score online it shows XXXX ) This happens a lot with Experian and its causing me a hardship. Please, help me fix this. 

I have attached copy of my current Experian score as XXXX and a copy of the denial letter.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXXd upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2020-04-14
Company: Applied Data Finance, LLC
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: Account status incorrect

Complaint:
Hello, I took a loan from Personify financials in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called XXXX XXXX XXXX last year. In XXXX of this year I called XXXX XXXX XXXX and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: FISERV INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 this company TRS recovery services said I owed {$1000.00} and kept increasing it with interest which now current its {$1600.00}. On that date my whole checking account was overdraft with all the money I had to a site called fanduel. There was fraudulent activity happening on my fanduel account and I had my bank had to close down my checking account. I tried calling this company about this supposed debt but they dont pick up their phones. So, I Called my bank and they never were contacted by them or got information about this debt I owed. I asked them if that was the transaction amount was taken from my account that day from my old checking account and they said they didnt see that amount for it so they were confused why I owe that amount when they dont even see it. Its not even the correct amount of money that was taken from my account yet they dont even pick up their phones so I can dispute it. This trs company asked for information if I reported it to police for fraud but I dont have to give them that information cause they dont even have the right amount of money that was taken from my checking account. I wanted to dispute this amount with my bank but they cant dispute cause that amount was not their that day for the transaction. The reference number for trs is XXXX. They keep bothering me and charging interest on something I dont actually owe and its ridiculous to the point Im gon na have to get a lawyer to deal with this. My bank has not been contacted by you guys and they tried Calling you guys as well how are you coming up with this number? I cant dispute it cause my bank says that transaction amount wasnt even there on the old checking account. Please resolve this cause I already sent you guys a letter on what are the exact details on this supposed amount.

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 2023-08-15
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-05-13
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : 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 non-monetary relief
Consumer complaint received 2023-02-05
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
In XXXX, I discovered an error on my XXXX credit report that was being reported by JP Morgan Chase Bank for a credit card I used to have with them ending in XXXX. The account was charged off as of XX/XX/XXXX and I later settled the account. I missed payments beginning in XX/XX/XXXX until the account became charged off in XX/XX/XXXX. The error I found on my XXXX report involves the payment history, which I have already disputed several times with XXXX directly. My report shows the account was XXXX days late in XX/XX/XXXX, then no data is reported for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, XXXX shows I was XXXX days late in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is XXXX months after it ACTUALLY became charged off. Because XXXX was of no help, I wrote to Chase directly on XX/XX/XXXX. Chase responded back on XX/XX/XXXX saying that they would remove the erroneous payment history from all credit reporting agencies. I have attached my original dispute letter and Chase 's response. As of today, Chase has not corrected my credit report and they have continued to verify inaccurate information to XXXX, as I have continued to dispute the account with the credit bureau in the meantime. All in all, Chase originally reported this inaccurate information, said they would correct it, and have not corrected it. Chase also has verified inaccurate information to XXXX on multiple occasions regarding the payment history for my account. As a results of Chase actions, my credit file looks like I became delinquent XXXX months further into the future than I actually was, which is damaging my credit rating and financial livelihood. In addition, Chase reporting of this information does not comply with Metro 2 reporting standards for accurate credit reporting. Chase has violated my legal rights and continues to damage my credit by not taking action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've had this credit card for over 3 years with a XXXX limit that they have only increased once. Each time I make payments they usually apply very quickly however recently that has been different. I made a {$1000.00} payment and I have attached evidence from my bank statement showing that it was removed from my bank account. It was applied to my credit card and then it was suddenly not. They keep holding payments and they won't apply them to my card suddenly. Not to mention that there are holds and pending transactions for companies like XXXX that have been held for weeks I can't even see them there is nowhere in my account that I can view them. They will just verbally tell me when I asked them like today. This is the strangest thing I've ever seen and it's changed over the last 6 months. Now with {$1000.00} missing out of my bank account for a payment and they want to play it to my card and it goes against their actual rules about payments when they post it's concerning and I don't get an answer from them. How is my balance {$600.00} for the attachment but I only have a little over {$300.00} available for use and my limit is {$3200.00}? I make XXXX annually and have never missed a payment with excellent credit rating but they never increase my spending allowance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage is the Servicing company for my XXXX VA Mortgage. The Mortgage was included in a XXXX XXXX  decree and was currently in default ; foreclosure was imminent. I had identified a buyer that would pay 100 % of the outstanding default mortgage. Nationstar required an excessive amount of time to prepare a payoff quote and when they finally did prepare one they did not provide the timelines requested. The title company was able to coordinate a closing for Friday XXXX XX/XX/2019 ; 1 day after the poorly timed Payoff Quote was good through from Nationstar. As part of the closing process, the title company included an additional 6 days of accrued interest to the required payoff amount quoted by Nationstar in the wire which was sent on XXXX XX/XX/2019. 

Nationstar refused to accept the payoff amount. Due to their abusive and predatory practices, they delayed review and acceptance of the wire which contained a full payoff amount and now require an additional payment of more than {$1000.00}. This unconscionable display of delay in processing amounts to an observed posture of predatory fee collection on service members and veterans attempting to rectify a prior history of financial difficulty. In addition, the new owners attempting to invest in their community and the property they recently purchased are now exposed to unnecessary risk. 
As of today, Nationstar continues to maintain their position as correct and we are required to start from the very beginning of the process again, more than a month after initially reaching out to them ; about a month after closing had occurred. Appropriate payment sent by our title agency was never accepted by Nationstar and they sent the funding back ; they appear to either be grossly negligent or purposefully predatory to mortgage holders attempting to appropriately manage their financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Both XXXX  and equifax refuse to remove a incorrect address on my file. I provided proof via picture of my id and a utility bill with my correct address and they still refuse to remove it from my file

Company response to consumer: Closed with explanation