BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: Westlake Services, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX  and XXXX. This account is XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX  XX/XX/2018. Westlake Financial are currently reporting FALSE REPRESENTATION OF BALANCES $ XXXX, XXXX, 30 DAY LATE PAYMENTS and REMARKS changing. There should NOT be any activity reporting are charge off status. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. 

Westlake Financial report : Inaccurate Information Misrepresent Balance Fail to sent Validate of Debt Activity after Charge Off Harassing calls 30+per day Late Payments ( monthly ) Missed Payments ( monthly )

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 2022-11-28
Company: Experian Information Solutions 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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Experian Credit Published as Company Info : XXXX XXXX XXXXXXXXXXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX XXXXXXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks 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 2021-01-16
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:
In reference to this credit report number XXXX from Experian I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from XXXX XXXX XXXX and Experian

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 2018-10-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase Bank lied in response of a previous CFPB complaint I submitted. The case was closed despite their lies and my documentation that they lied. I submitted a follow-up complaint making the CFPB aware that Chase Bank lied in order to have their complaint closed. To my knowledge, it has not been processed and my record of it has been removed from the system. 

This attempt at deceiving a federal bureau to assist in defrauding their customers warrants an additional complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two months ago I called the Savit Collection Agency asking for my husband account because he has a debt for {$2700.00} with this agency, this is a medical bill. I was calling to see if there was a way to pay less this debt. First of all a lady asked for my name and the relationship with this person. I told them my name and also that I was his wife. So after a month I was checking my credit report and I found out that my husband 's debt also appears in my credit report. I called them back and asked why they report his debt on my credit report. They said in New Jersey is legal to put a debt on both spouse, but my husband has this debt for almost two years ago and never appeared on my credit report, this happened after I made the call and they asked for my name and relationship. Now my credit score went down a lot because of this.

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 2023-09-11
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
filing this compliant to express our dissatisfaction with the treatment we received from WellsFrago My Husband & I received more than 6 loan estimates within two weeks, every time your team decreased the loan amount and increased the down payment even though we locked the rate! We already provided all the information needed to them. We waited for the underwriter forever and a commitment letter which was supposed to be sent on Friday XX/XX/XXXX, However, we didn't receive it due to technical issue as we been informed!, only to know just today that we have to come with MORE down payment of almost XXXX XXXX  I want to share with you some of the consequences and the damage that happens because they are not doing their job in professional manner by providing misleading information : -we gave 2 weeks notice to our property management because the closing date for the Escrow was XX/XX/XXXX -we have to deal with stress and XXXX I almost having XXXX XXXX because that -we sold my Jewelry for some cash -almost sold XXXX of our cars that affect our work performance

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 2018-04-27
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: Account information incorrect

Complaint:
On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX. The XXXX was financed in XX/XX/XXXX by XXXX XXXX ( XXXX XXXX ). 

XXXX and I left the XXXX at the XXXX dealership and took possession of a XXXX XXXX XXXX. We were of the expectation that within 10 days XXXX would be paid in full for the XXXX XXXX. 

In XX/XX/XXXX, we saw a 30-day late on our Experian Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to XXXX and Experian and XXXX stated they were not going to change the report. Experian suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to 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 2023-11-21
Company: EQUIFAX, 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: AZ
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 notified all 3 credit reporting agencies ( XXXX, XXXX  and Experian ) that the Chapter XXXX   Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX   dismissed case to be removed from all 3 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 2023-09-11
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: Information belongs to someone else

Complaint:
I have diligently followed the dispute process for fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 
List of Disputed Accounts : 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 2022-10-26
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting yet another CFPB complaint today regading the Credit Reporting Agencies. I am appalled by the lack of responsibility on the Credi Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please correct the following accounts : XXXX XXXX XXXX XXXX, MO XXXX- Please remove this inaccurate and outdated address as soon as possible. 
XXXX XXXX XXXX XXXX, MO XXXX- This is not my home address neither did I ever currently received mail to this address. Please verify and remove immediately. 
XXXX XXXX Balance : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account USDOE/XXXXI XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
USDOE/XXXX XXXX XXXX : {$0.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$0.00} - This account is not charged to me. My record shows that this account was paid as agreed and Balance is XXXX. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: LEXISNEXIS
State: AZ
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 notified all 3 credit reporting agencies XXXX XXXX XXXX and XXXX XXXX that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX Regions Bank XXXX XXXX AL. fraudulently opened a line of credit ( LOC ) ending in XXXX for {$15000.00} without my consent. Originally, I assumed the LOC was a credit offer not an active account, so I did not take any action and left it alone. In XXXX XXXX, I started being billed fees against this account that I did not ask for, want and/or need! As of XX/XX/XXXX, I have spent hours and hours of my time on the phone with Regions bank customer service, collections, Account Services and Fraud Departments along with visiting my local Regions branch in XXXX Fl. XXXX to be told this issue would be resolved and acct. closed. Again, as of today XX/XX/XXXX, Regions Bank keeps applying fees and sending negative comments to all 3-credit bureaus driving my XXXX plus credit score below XXXX and dropping. I have tried to clear this issue any number of times without success! I can not tell you where the XXXX XXXX XXXX branch of Regions is let alone do business with. If this is how Regions is going to conduct business, and not assign any type of case number to show comments on an account I will take my business elsewhere.

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 2022-02-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a 1099-B by mail on XX/XX/XXXX from Block, Inc XXXX f/k/a Square Inc ( Cash App ) as a proceeds of {$2400.00} dated XXXX which I have had no clue. The tax document bears my social security number and my address but my name is printed with a middle initial XXXX which I never use. My husband and I are both XXXX XXXX and earn from our XXXX investments. Neither of us has opened any account nor we have heard of the company like Cash App. Or Block, Inc and/or f/k/a Square Inc. Since the date of filing tax returns for XXXX was approaching, I immediately called Cash App at XXXX ( XXXX ) and lodged a verbal complaint asking to designate tax document ( 1099-B ) as an identity theft. I was asked to respond to an email sent by the customer service ( XXXX ) with an assigned case number. Since then I had communicated with several customer service representatives of Cash App without any solution. Rather, I was notified via email that Cash App does not provide any tax assistance and only communicates with law-enforcement officials. After several futile attempts via email correspondence we decided to go ahead with filing our tax return for XXXX and later deal with the incident. Since then I lodged an official complaint with identity theft ( Identitytheft.gov ) and blocked all my credit reports. In addition, I filed a formal complaint with XXXX XXXX XXXX XXXX ( law-enforcement ) on XXXX and lodged an affidavit with IRS ( form 14039 ). Since then we have been waiting for an official investigation. Inspired by the instruction on identity theft website I sent an official request via registered mail to Block inc, f/k/a Square, Cash App requesting the company to close the account declaring it as a result from an unauthorized fraudulent activity ( dated XXXX ) attaching all email correspondences and documents. Suddenly, I received an official notification of closing the case via email ( dated XXXX ). When I called I received a new case number and since then I have been waiting for a final decision. 

I feel extremely frustrated with irresponsible dealing of Cash App and request that you please take an immediate action to resolve my case, i.e, declaring the account as a result of identity theft and close the account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting a wrong address on my consumer report and is being reluctant to remove it. I have never lived in 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 2020-08-30
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Navient continues to report 4 or 5 accounts as late to my credit report even though the accounts were charged off with the original creditor 1-2 years ago. Additionally, they perform unauthorized hard inquiries on my account monthly or every few months. These actions together continue to bring my score down, is overkill, unnecessary harassment that prevents me from obtaining credit or low interest rates.

Company response to consumer: Closed with explanation