BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting inaccuracies on the following accounts. XXXX is being reported as paid, no balance with XXXX late payments. 

XXXXXXXX XXXX XXXX is being reported as a different last activity date, a different balance, different report dates and different status, one is paid the other is collection. Experian has been 30 days to investigate these inaccuracies and has failed to do so. I have attached my letter requesting an investigation into this in accordance to the FCRA.

FCRA additionally states that if a credit bureau can not validate the legitimacy of the inaccuracies that they must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently pulled my Equifax credit report from the free annual credit report site. I found some incorrect information on my report but can not dispute it because Equifax has not allowed me to login to my credit file for over a year now. I do not have this problem with XXXX  or XXXX  - never have. With Equifax I constantly get an error message that advises me to call in. I spent a lot of time calling in last year in XXXX and the problem still isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I DON'T HAVE ANY PUBLIC RECORD ON MY REPORT, PLEASE REMOVE THIS FRAUDULENT BANKRUPTCY ON MY REPORT, PLEASE INVESTIGATE THESE.

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 2023-09-06
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a vehicle with Us Auto Sales back in XXXX of XXXX. During that time i was making timely payments on my vehicle on the days that we agreed i would make my payments on. I was never late or never got behind with any of my payments. In XXXX of XXXX  i found out Us Auto Sales abruptly closed without letting me know they were shutting down. In XXXX of XXXX  i found out debt collector, Westlake Portfolio Management, said they were taking over for Us Auto Sales. I did my research and Westlake is not my lien holder for my car because it still states Us Auto Sales is still my current lien holder for my vehicle. XX/XX/XXXX of XXXX, i woke up in the morning to find my car gone. Westlake put an order out for my car to be repo without any notice to me or anything, but my car is gone. When speaking to Westlake i asked if they had any type of contract i had with them, but they cant produce a contract because I never signed a contract with Westlake Portfolio Management. Even now speaking with Westlake going forward trying to find the vehicle because i have personal items i need to get out the car, they keep giving me the run around on where the car is located and that is against the law. Both Us Auto Sales and Westlake are scamming and illegally taking folks cars because Us Auto Sales technically didnt have a selling license in the state of Georgia since XXXX  and for them to still be able to sell cars all these years after is basically wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX XXXX XXXX to report several loans and credit cards and made a dispute on behalf and they made contact and out they report they received is everything is accurate reporting Equifax is not reporting on they department and I was asked about the same information I said everything the same beside the family XXXX on my name that's on my credit report. XXXX is stopping my loans from Reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Response to the letter I was sent form United States bankruptcy court eastern district of Wisconsin office of clerk dated XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my property located in XXXX, AZ. Prior to closing, I received a copy of the payoff statement submitted by BSI to XXXX XXXX. I called BSI on XX/XX/XXXX, because of a late fee of {$38.00} on the statement. I spoke with XXXX who confirmed that my monthly payments were all paid on time and the {$38.00} will be refunded when the account is paid in full. The purpose of this late fee is if the title company does not pay the loan off before the fifteenth of the month. 

I signed closing documents on XX/XX/XXXX, and the buyer signed on XX/XX/XXXX. The title company received all the necessary documents, closed escrow, and funded on XX/XX/XXXX. On XX/XX/XXXX, I called BSI and spoke with XXXX. She confirmed the loan was paid off on XX/XX/XXXX, and the balance of my escrow account was {$560.00}. XXXX explained there is a 30-day review prior to releasing all funds from the account. Based on our discussion and the settlement statement, I estimated my refund from BSI would be approximately {$1100.00}, ( {$560.00} escrow + {$38.00} late fee + {$470.00} interest refund ). 

On XX/XX/XXXX, I received a refund check for {$560.00}. The check did not include a breakdown of the refund. About a week later, I received the Final Analysis Statement. This document is only a breakdown of my escrow account and is consistent with what XXXX at BSI told me about my escrow balance. I have not received an additional check for the refund of my interest or the late fee. I am including both documents in this complaint. On XX/XX/XXXX, I called BSI and spoke with XXXX. I asked for an explanation of my refund and that I do not see a credit for the late fee and interest. XXXX told me the escrow refund is {$290.00}, the interest refund is {$270.00}, and the late fee refund is {$93.00}. These three amounts total {$660.00}, more than the check I received. 

When I told XXXX this amount does not match the check I received, she told me she would refer the account to the Payoff department and call me back. As of today, XX/XX/XXXX, I have not received any additional correspondence or a phone call from BSI about my missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i have contacted prosperity bank via chat which i was in the queue for 20 mins to inquire on refinancing only to be told i had to call by phone - i called and i waited 30 minutes until an agent answered and hung up on me after she said her welcome script. i understand the call volume is up and hold times are longer ( i work for a XXXX  ) but this is poor customer service. my account was with Legacy Texas and never had issues with them and then transferred over the XXXX XXXX, and if this is the way they treat their customers, i will take my business elsewhere. 

someone needs to call me back from the loan dept - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
XXXX XXXX, I had three charges from XXXX on my TD Bank credit card, all on XXXX XXXX. {$140.00}, {$100.00}, & {$140.00}. I went to the bank and told them the problem and they took the charges off my credit card. Then, I thought the problem was solved, but every month, from XXXX XXXX thru XX/XX/XXXX, there have been unauthorized charges on my credit card. {$140.00}, {$140.00}, {$150.00}, {$150.00}, {$57.00}, {$210.00}, {$210.00}, & {$210.00}. I have filed multiple disputes, but TD keeps sending me letters, that say, no fraud has taken place. I have even did what they asked me to do, go to the XXXX  site and put in my email address and then select, forgot my password. I did and what came back was, there is no account associated with this email. What else do they want me to do? I even asked TD Bank to send the info that XXXX  and they refused. I am not computer savvy, and do not know how to upload info. I did email someone at XXXX and they told me to send them, full name of cardholder, last four digits of the credit card, expiration date, amount charged, transaction date, and billing address. I did not feel safe sending the card number and expiration date. I asked if I could fax the info and was told no. TD has all the info and I would give permission for them to send it to XXXX, to get this mess settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The company CapitalOne has taken my personal information and shared it with a XXXX party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. In both cases, I did not consent and was never allowed to opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working with Mohela to apply for the PSLF program and they received my original application on XX/XX/XXXX. They did not input the EIN correctly and denied my application. I received not follow-up from them. I called to see why it was not approved and they told me what happened so the resubmitted the form on XX/XX/XXXX. I did not receive any follow-up from Mohela so I called again after the processing time they had quoted. First I was told I had to call my current loan servicer to ask them to transfer to loans to Mohela. When I called the other company they told me this was not correct so I had to call Mohela back. They looked at my account again and saw that the resubmitted form did not have an EIN this time. They resubmitted the form a third time ( XX/XX/XXXX ). I received no follow-up from them so I called again. This time my form was marked as a duplicate form in their system so again was just going to sit there with nothing happening. This time they said the problem is that my loans need to transfer to them before they can process the application. I am still at the beginning step of this process even though my initial application was submitted almost a year ago. I have been told ( although I don't even know if this is accurate at this point ) that my loans need 60-90 days to transfer and then they will start processing my application which will take 30 days. It won't be until that point that I will be able to know the number of qualifying payments I have. I am trying to determine financial decisions based on this information and in the meantime will be paying them interest while I wait for them to sort through their mistakes. It is unacceptable that this process should take over a year to complete and that I have to initiate with them so many times to correct errors on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 2020-07-01
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've tried numerous times to log into the Loancare 's smartphone app and website. The app continue to give me an error message ( Problem occurred. Please contact customer care ) and the website fails to allow me to log in. This is a frequent problem when attempting to log into their databases. Today is the first of the month so my mortgage is due and I am attempting to pay it. I did not choose this company, my mortgage was sold to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a XXXX 's credit card which is through Wells Fargo and can be used at other places. I let my husband purchase something online with my card as i was right beside him. He was logged in on his account and made purchases. When I received my bill, I asked him for a list of those charges to reconcile against the statement. When he went into his account to look at the orders, he saw all my past purchases including many that he shouldn't have. I immediately called the credit card company and they filed a report which is Case # XXXX. I asked that it be immediately fixed or shut off so he couldn't view anything. I have not heard anything back from them and would like the issue to be escalated. Luckily it was just my husband who saw the information that I am aware of but I don't know that for sure. I am the only authorized user on the card along with almost every other account I own. My finances are my own and I don't appreciate that they not only let him view everything but then haven't not fixed it.

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 2023-11-09
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:
This is XXXX 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 2020-06-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020, I reached out to 24/7 advance financial to advise that I was currently furloughed from my employer due to COVID, I advised them that because I was furloughed and not laid off, I was not able to obtain unemployment. I also revoked all auto debits from my account and made a small good faith payment. I advised the agent that I was speaking with that I would not be back to work until XXXX at the earliest, but, I had not been given a date as of yet. On XXXX, I received notification from my bank that there was a debit of {$200.00} and because I have overdraft assistance it was paid. I did not authorize any payments from my account and the agent said that I agreed to a promise to pay that I did not agree too so they could not refund me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : You are reporting this collection on my credit report. I have no knowledge of this account. This is inaccurate reporting and needs to be deleted immediately. 
Please mail me a physical copy of my credit report when the above deletion has been executed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
my money is not being used by me its being stolen by the bank and the bank cant tell me where my money is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation.

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

I request the name and address of the original creditor.

I understand that written notice of the results of reinvestigation must be issued to me no later than 5 business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: GA
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXX : Account # : XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXXXXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX : Account # : XXXX has violated my rights. Or list of inquiries 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 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 person knows or has reasonable cause to believe that the information is 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 non-monetary relief