BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I received a email in regards to XXXXXXXX XXXX XXXX from XXXX as well a TransUnion response FEED BACK PROVIDED from CFPB please note this was initiated back in XXXX 2022 63 days and 2 frivolous responses CARRYS NO WAIGHT OR TRUTH because I sent supporting documents proving no contracts or signature verifying debt ATTACHED again as well requested the same thing provide documentation to me of said debt attached letter and no response again attached 3rd request XXXX is the only one that reported and removed debt as it does not meet the reporting act I have again requested from XXXX ATTACHED to provide me there facts and reporting procceedures of XXXX and TransUnion response verified, I will continue to argue this debt as a false response and ILEGAL reporting

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 2022-11-11
Company: Paramount GR Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX of 2022, I signed a contract with XXXX XXXX to install a solar system on my house, with Goodleap financing the loan. 

On XXXX XX/XX/2022, XXXX XXXX began the installation on my house and told me that they would be back to following day to finish it as well as begin the process to have it inspected and permission to operate. 

XXXX XXXX then closed for business, but triggered my loan to be due with Goodleap. 

I tried talking to goodleap several times, and had been told that the loan payments would begin, and that they were aware of the issue with XXXX XXXX. 

I filed my first complaibt with the consumer finance protection agency against goodleap in late XXXX, and received a response from Goodleap saying that they had contracted XXXX to finish all of the installations and take up the warranty and repairs. 

On XXXX, a project XXXX from goodleap named XXXX contacted me via phone and told me that XXXX should be contacting me within XXXX weeks and that they Goodleap was going to defer my payments indefinitely until XXXX completed my system, but that interest would continue to accrue while the payments were deferred. 

On XXXX, i received a bill saying that my payments would still be due starting on XXXX XX/XX/2022. I tried calling XXXX, but was unsuccessful in contacting him and have yet to receive a return call. 

I velieve that Goodleap is just dragging their feet and making excuses hoping that I will just make the payments until it " gets resolved ''. 

At this point, i have no interest in allowing XXXX, who has terrible reviews and customer service, near my house or touching anything. I have no interest in continuing to deal with Goodleap and their non existent customer service. I would like goodleap to come and get the XXXX equipment off of my house, fix my roof, and terminate my loan due to breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a consumer and natural person federally protected as defined by 12 CFR 1002.2 and serving The Moore Law Group and XXXX XXXX, debt collectors, with an official notice of dispute as defined by the FDCPA. Please be advised pursuant to 12 FR 1026.13, this constitutes as a notice of dispute for the amount of {$30000.00}. Please be advised I have not given The Moore Law Group any authorization to contact me, which is a violation of my Federally protected rights and a violation of 15 USC 1692. The Moore Law Group has stated We are trying to collect a debt that you owe which is also in violation of my Federally protected rights under 15 USC 1692. I also hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8.

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 2023-06-10
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Well I had spoken with them 55 days ago stating that I was trying to get caught up on my loan. I told the rep that I could pay XXXX dollars and hopefully have the rest of the payment to them in the following 2 weeks. The rep said ok, I will note your account and you shouldbe fine. Everyday leading up to and prior to that if I was one day late they would call me at 7 times a day, even though I had already spoken to some, they would not leave voicemails they would just call back to back numerous times. So my payments are due the XXXX of every month, I had the car for 2 years was pretty good at making my payments on time. Now comes the morning of XX/XX/XXXX. I wake up to no car in my driveway. Mind you I had already spoken to westlake financial about my loan. I told them I would be getting caught up when I had gotten paid. My payment was XXXX a month. The website said I owed XXXX to get caught up. When I called them to inquire about getting my car back they wanted XXXX dollars, they couldn't even explain to me why they wanted much! And to top it off they couldn't guarantee when I would get my car back if I paid that! Fast forward to Saturday XX/XX/XXXX, I just recieved in the mail from XX/XX/XXXX a letter about me being seriously delinquent on my loan. I just want justice for myself and everyone else who has been tricked or robbed by this company and thier in my eyes messed up practices. Thank you for your time and hopefully I can get this resolved.

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 2023-06-10
Company: Block, Inc.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a electric guitar for {$66.00} for XXXXXXXX that was advertised on XXXX I checked the tracking number and the shipping company couldnt confirm the number was valid I canceled order after that and requested a refund from cash app and they denied refund request XXXX have not responded they have been flagged as a scam by scam report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.

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 2022-11-11
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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, llc # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. has violated my rights 15 u.s.c 1681 602A states I have the right to privacy.

15 u.s.c 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First of all, I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Now to tha main problem, I am writing to address a critical matter concerning my credit report. Upon careful examination, I discovered that there are accounts currently listed on my report that have already been removed by XXXX and XXXX due to identified errors. I am perplexed by the inconsistency in your verification process, which has resulted in the retention of these accounts in your records. XXXX and XXXX have acknowledged the existence of errors and promptly removed these entries from their records. It raises serious concerns about the accuracy and reliability of your reporting procedures, considering that the other bureaus have already rectified this discrepancy. The disputed accounts are as follows : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-06-10
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 fraud alerts or security freezes

Complaint:
I became aware of identity fraud when I received a debit card in the mail from an account I did not open and my employer was contacted about unemployment insurance claims. I tried to freeze my three credit reports. XXXX  and XXXXn froze without issue, but my file at TransUnion is split, and I can not freeze it or access it online. 

I reached out by phone XX/XX/XXXX to resolve the issue and was promised a callback within 72 hours, which never arrived. I tried again on XX/XX/XXXX, was promised the same 72 hour callback, which also never arrived. I tried again on XX/XX/XXXX, and again on XX/XX/XXXX, each with the same conclusion. 

I attempted to escalate the issue by purchasing credit monitoring services from TransUnion to become a customer. The service I purchased can not access my split credit file, but now the product they sold me is not performing as expected. It has a better support organization than their service center, but they still seem unable to resolve the issue, making the credit monitoring service I purchased worthless. 

I need to reach the right part of TU, but their support organization seems unable or unwilling to allow that.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There has been a MASSIVE SECURITY BREACH of sensitive information that has effected 1/4 million accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX /XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX This is indeed a Violation of Title 15 USC 1681k. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-06-10
Company: GOLDMAN SACHS BANK USA
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: Problem with personal statement of dispute

Complaint:
My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 2023-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One XXXX XXXX- Capital One replaces card XXXX after dispute over unauthorized recurring charges from XXXX for {$15.00} but then proceeds to transfer recurring unauthorized charges to new card XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2023-06-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
You would have to get my whole account from XXXX XXXX XXXX and then SPServing! Actually my entire account from XXXX XXXX didnt transfer over my escrow payment for my taxes, nor did the pay my taxes.. SPS Did nothing then or ever!! Went into bankruptcy because of both of them!! In XX/XX/XXXX, XXXX XXXX even refused to give the Home Keeper program the information they requested to give a loan me a loan to payoff the arrears from being a XX/XX/XXXX loan Not because I was ever a day late on payment! I was in a very long modification process, like years, I was in XXXX XXXX 's executive office, Customer service supervisor XXXX  XXXX!! After an hour long argument he still refused to send it because he did have to!! After my modification the paperwork got sent in XX/XX/XXXX! They took my bankruptcy payments and put them all over the place, up your escrow ever opportunity they have because they are insane!! Say Im not making payments when I am!! They never fixed one think so obviously Im losing my home!! Thats what SPS DOES BEST AND YOU ALL KNOW IT!!!!!! I have 17 years of documents that they will Never produce under a subpoena because they can't! It's actually as simple a subpoena!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing a collection attempt for a debt that is not my debt. I never signed for this debt and there is no verification that it is mine. I need all collection efforts to be stopped and for my consumer report to be protected from this inaccurate information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation