BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 HAVE DISPUTED THIS INFORMATION CONTAINED IN MY CREDIT REPORTS SEVERAL TIMES AND I HAVE NOTIFIED THE CREDIT BUREAUS THAT THESE ITEMS DO NOT BELONG TO ME AND NEEDS TO BE DELETED FROM MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE SUBMITTED PROPER DOCUMENTATION IN THAT REGARD AND THEY STILL WILL NOT DELETE IT FROM MY CREDIT FILE. THEY HAVE ALOS REFUSED TO SEND MY ANY DOCUMENTATION THAT VALIDATES THIS DEBT ... REASON IS BECAUSE IT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS ARE NOT MINE AND DO NOT BELONG TO ME, THEREFORE THEY NEED TO BE DELETED FROM MY CONSUMER CREDIT FILE.

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 2021-10-22
Company: Westlake Services, LLC
State: NV
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:
The car was purchased in XX/XX/XXXX and was scheduled to be paid off in XXXX of XXXX. As I continued to pay the auto loan off, it was sold from the original loan holder to the current loan holder, Westlake portfolio. The payoff amount continued to increase and never indicated the payoff occurring at the time of the contractual agreement. I contacted the company through a law firm and have not been able to get a respectful answer or solution to this concern. The last time someone spoke to me was on. XX/XX/XXXX. A supervisor named XXXX XXXX. She said the companies attorney, XXXX XXXX, would contact me and freeze the reporting until this matter was rectified. To date, this has not happened, and they continue to report to the credit bureau on me being late or missing payments. This has dropped my score by over 90 points.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
police report filed in XXXX California FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802

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 2021-10-22
Company: BARCLAYS BANK DELAWARE
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:
There was a credit card opened fraudulently with my identity in 2019 in BARCLAYS BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ XXXX & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.

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 2022-05-13
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:
The Credit bureau Equifax stated my account XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. They dont seem to be practicing Metro 2 Compliance! This is a clear FCRA violation and is grounds for deletion. They also violated my rights under 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 an account without my written instructions.

Also, they were asked several times to provide the information below and failed to do so.

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original accountholders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Four months ago, I called Wells Fargo and had them block XXXX XXXX from taking autopayments from my checking account. The reason I did this was because, even though I had canceled my XXXX XXXX XXXX XXXX, the company was continuing to withdraw funds from my Wells Fargo account. During the phone call, a Wells Fargo representative assured me that they were blocking XXXX XXXX, and that the company would no longer be allowed to access funds from my account. I thought this would solve the problem. Yet Wells Fargo has since allowed XXXX to take three {$170.00} withdrawals from my bank account, on XXXX XXXX, XXXX XXXX, and XXXX XXXX, with no end in sight. I have repeatedly contacted both companies by phone and in writing throughout this period of time, yet these unauthorized transactions continue.

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 2023-01-03
Company: EQUIFAX, INC.
State: NV
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 checked my account and notice there were multiple hard injuries that were on my report that were all incorrect none of these are mine and need to be removed from all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called XXXX XXXX, not sure what state that is in said in XXXX I took out a loan for {$250.00}. I never did. A year later a woman was arrested for the crime here where I have lived the last 8 years. I had no idea the money was my responsibility. She served 9 months for fraud. A company called NCA kept calling me ; so I said I would just pay it so it is not a hassle later or shows on my credit report. XXXX is the only agency I see it show up on. They have never provided me with any proof where this was taken out or what date or even an ID showing it to be allegedly me. I have ZERO collections on my accounts. I do not owe any money on past accounts. This will not go away. I want to buy a house but the possibility of this coming off my record, maybe be somewhere else : not 100 % sure ; puts the year at XXXX for a fraudulent {$250.00}!! Please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX 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 2021-10-22
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a western union XXXX  card to my home. That I never ordered. How did someone know ( my ex wife ) XXXX XXXX XXXX. My name XXXX and last my home address and my email? Well this time I decided to activate the card. Last time another card was sent from XXXX. ( Threw it away ) but this time I kept all evidence. So I decided to activate the prepaid card? So I put my SSN and my phone number. Then I send XXXX XXXX ( My ex ) a card. So I send the card to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  la. And I received a HATE EMAIL from western union XXXX. WITH ALL CAPS. But when I first fired my complaint with western union XXXX  i received a email brushing me off. THE DISCRIMANTED AGAINST MY XXXX. But not when I sent her the card. I received a hate email discriminated me against my XXXX? Why is my ex have so much hate for me? Turns everyone against me. After I was wrongfully convinced in 2014 of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to our loan payment history with Lakeview XXXX, ( history attached ), our {$80000.00} principal payment finally applied on XX/XX/XXXX lowered our loan to less then the 80 % LTV ( see attached LTV record ). 

I say finally above, because this payment made it to Lakeview XXXX, thanks to a previous complaint ( see closed complaint XXXX for more details ) which should have had the {$80000.00} principal payment applied at the end of XXXX, not XX/XX/XXXX, and to our previous loan provider XXXX XXXX loans. 

This LTV of less then 80 % would have allowed us to have our PMI dropped with XXXX, who then sold it to XXXX, who then sold it to Lakeview which is where this complaint begins. 

On XX/XX/XXXX I paid {$100.00} to have our home appraised to have our PMI cancelled. They said it would take 30 days ( it is now XX/XX/XXXX ) and there has been no appraisal and no PMI cancellation progress. We have been paying unnecessary PMI since at least XX/XX/XXXX, for now 5 months @ {$78.00}. 

I just spoke to Lakeview yesterday, XX/XX/XXXX and they said to be patient.

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 2022-05-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
my rights have violated by the bureaus and/or creditor via the following account -XXXX XXXX XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND 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 explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-22
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was asked to send money back to someone after they issued me a bad check. The check had already cleared my savings account, and I had no way of knowing that the check was going to be dishonored by the bank, it was a cashier 's check and I have a copy of it. Not only was it a bad check, it was counterfeit and the person who sent it was not the same person demanding it back and making death threats to me and my family. I was pressured into forcing money out of my bank account with the belief that if I didn't do something fast they might hurt me or my children. Then, when I tried to cancel the transaction I couldn't cancel it, and the bank manager couldn't reverse the transaction either. I lost {$1200.00} because of the abuse. Before the transaction took place, there was also a home break in where things were taken from the home, and my email was compromised, so was my home computer. I was told that the bank actually does have the ability to reverse the transaction, however they did not act. The online transfer was done using XXXX, and they were in the amounts of {$500.00} and {$700.00} on XX/XX/2021.

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 2022-05-28
Company: Grain Technology, Inc.
State: NY
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've emailed the company numerous times about a glitch in the system that wasn't able to verify my identity. I've had this account for over a year there shouldn't even be anything wrong with this account considering verifying identity, as a result they are intentionally causing a derogatory mark on my credit by not responding to any messages for me to even pay off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 2023-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have both violated my rights M15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My aka name, current previous address, cell number, employment history, account ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - not mine ) mixed with someone.

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 2023-10-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate complaint I would like for this company to verify this debt. Send signed contract. Not itemize bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent them documents showing that XXXX was not reporting XXXX XXXX on my credit report any longer. This was mailed to them on XXXX and as of XX/XX/ I have not had a response from them about this.They have had over 30 days to look into this matter so this needs to be removed from my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During Covid, we applied for Forbearance assistance from Loan Depot. We ended the Forbearance in XXXX and we chose the Deferral option which took into effect XXXX. We have made our first payment XX/XX/2021 for the amount of {$3700.00} which is the actual mortgage amount and that is when the payment was not applied to our Mortgage. When I called on XXXX XXXX to check, they mentioned there was an interest charge that is causing the account to suspense. When asked, they can not find the reason for the interest charge so they have processed a case to investigate the issue. After several calls and chat during the month of XX/XX/XXXX till XX/XX/XXXX amounting to 10 calls, I was told that the case is still open and that the account is still in suspense and will be resolved by end of XXXX. I made a payment on XXXX XXXX in the amount of {$3700.00}. I sent a fax and a letter via their messaging system as well as proof of payment on XX/XX/XXXX. A rep from Loan Depot replied and mentioned that the case was closed without any explanation but it will be reopened. A promise that a decision will be made within 3-4 business days and the funds will be applied. I called again on XXXX XXXX to check the status of the case and they mentioned again that it will resolve in 3-4 days. I then made another payment of {$3900.00} on XXXX XXXX which includes the negative escrow that accumulated during the forbearance period. Until now, the payment is still in suspense and none of my payments has gone back to my bank. They are holding my payments hostage and I am getting notice from the mail regarding foreclosures. This has caused tremendous stress and burned to my family.

Company response to consumer: Closed with explanation