BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I am writing to file a complaint against Wheels XXXX Financial and their Director of Compliance, XXXX XXXX. My rights have been violated due to their harassing and abusive debt collection practices. 

XXXX XXXX has repeatedly called me at all hours of the night, despite the fact that debt collectors are not allowed to call debtors before XXXX XXXX. or after XXXX XXXX. in California without my permission. His calls have been threatening and harassing, and he has increased my balance significantly. The harassment has increased since filing my previous CFPB complaint. This complaint was filed due to balance discrepancies. As you can see, theres a lot of animosity and a significant increase. {$11000.00} increase from a {$2500.00} loan, with the vehicle reposed and never credited. In addition, many other factors were ignored such as my attempts to email the company for relief during COvID. In addition, the company allowed additional fees to incur by not providing the tow yard a key upon their request, resulting in the locks being cut from the door. The lack of response from LoanMart was a financial charge to me although both myself and XXXX XXXX XXXX confirmed she tried reaching the company. 

I have picture evidence and an email from XXXX XXXX in which he implies that I have no association with the XXXX XXXX as a member, and attempts to intimidate me. I believe this is a violation of my consumer rights, and I am deeply troubled by the behavior of XXXX XXXX and Wheels XXXX Financial. 

I request that CFPB investigate this matter and take appropriate action against Wheels XXXX Financial and XXXX XXXX. I also request that my consumer rights be protected, and that I be compensated for any damages or losses I have suffered as a result of their actions. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My account was just opened in the past week on XX/XX/2021. I had made deposits and initiated a deposit from an external account ; I login to my account on XX/XX/2021 to ensure the deposit was made and the account balance is {$0.00} with a debit made of the current balance as well as no deposit. When I called the bank to inquire what is going on with my account two representatives hung up on me and said the department for which my account was notated to speak is not available. In addition, after requesting to speak with a manager regarding the status of where my funds are or why my account was debited he responded that its block and he doesnt know. I am more than irate at the lack of communication thereof regarding my account and where my funds were debited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, XXXX XXXX  : # XXXX, XXXX XXXX # XXXX, XXXX  : # XXXX XXXX : # XXXX, XXXX  : # XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # 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 XXXX 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 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX TRANSUNION ACCOUNT XXXX Reported Late Payment in XX/XX/2019 when payments were current within 30 days of the reported late payment.

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 2023-02-24
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Experian Business Credit did not have my consent to obtain my personal information on Three separate occasions and they surely did not have my written consent. 15 USC 1681n ( a ) states that Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of {$1000.00}. 
by them pulling my reports Three different times with out my consent, it has greatly damaged my credit score and my chance to obtain any new credit from lenders.

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 2023-05-29
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/XXXX. Seized from my bank account all funds- {$1000.00} XX/XX/XXXX. XXXX also for fees XX/XX/XXXX. Seized. XXXX.. 
The only income for me is : social security Also I live in the State of Florida I am a Homestead and I am age XXXX. 

That is all I have. I have a mortgage that must be paid. 
I have XXXX husband and adult XXXX children living with me. 
We are a hardship case that was hit by the tornado ( IAN ) XXXX. Trying to fix a roof still. I need those funds to do that!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX - Paid a {$200.00} deposit for a secured credit card ( email available ) XX/XX/XXXX - After prompt payments and adherence to terms, notification received that ( per terms ) I would be receiving my {$200.00} deposit back. Credit card was switched to an unsecured credit card and credit line increased to {$500.00}. 
XX/XX/XXXX- Discover was first notified that I had not received my deposit back. They would not provide a tracking number, but assured me it had been sent on XX/XX/XXXX. Never received. I instructed them to put a stop payment on the check ( if it had been sent, but I don't believe it was ) and re-issue. I was told I'd receive the new check in 30 days. ( XXXX spent : XXXX minutes ) XX/XX/XXXX - Discover notified a second time that I had never received my deposit back. I was asked for my checking account number and routing number, then was told " I have submitted this info to my supervisor and you will receive the ACH refund within XXXX business days after the request is processed. '' I was told they could not provide me with an email confirmation, to which I replied that I'd save the chat log as evidence. They advised that they also save chat logs for 13 months, so my entire chat history should be available to you upon request. ( Time spent : 1 hour 9 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Deposit still not received. Paid entire balance due today and notified Discover that I would be filing a complaint after unsuccessful attempts at resolving the matter with them directly and a year having gone by.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2023-05-29
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account is a mistake in my credit report, some one trying to apply for in my name ... and in my credit report says that i have to pay {$0.00} for that, i can not stant 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 explanation
Consumer complaint received 2020-08-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening XXXX or Southwest Credit Systems Rep ; How are you? Listen, I was actually shocked today when my loan officer pulled & reviewed my credit report and noticed that on my a {$260.00} XXXX Collection account that I wasn't aware of and never received any prior notification. After talking to several representatives today, they mentioned that it was from a last bill or equipment that I didn't turn in after the cancellation. I don't recall having any bill or issue with XXXX, however, I didn't want to waste any more time with this negative item on my credit and the Rep agreed that once the full payment of {$260.00} paid and cleared they will demand the credit bureau, XXXX, XXXX, and XXXX to DELETE or remove the trade line from my credit report. I've gone ahead and attached the receipt showing that it was paid as agreed and I would appreciate if it can be removed sooner because I'm under an agreement to close on this new house for my family here in XXXX MA. Thank you in advance and please reach out if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: DC
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: Investigation took more than 30 days

Complaint:
I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of account )

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX XXXX on my XX/XX/XXXX/transunion/XX/XX/XXXXreport a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have XX/XX/XXXX/transunion/XX/XX/XXXXto show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CrossCountry Mortgage LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had some financial problems back in XXXX and had to go through XXXX for mortgage assistance. It took a few months to finally get approved and me and my wife were so grateful that we were getting the help we needed to get current on our mortgage. In the end of XXXX of XXXX I got the great news that the funds will be applied to our account and our mortgage will be current. As of XX/XX/XXXX the funds were supposed to be applied to account and this is the XXXX th of XXXX and the funds are still not applied to our account. Called lost mitigation multiple times and they keep telling me the same thing that the funds were never received. I have proof and assistance program has proof the money was sent out. Loss mitigation keeps telling me they are working on this to resolve it and five months later I'm getting the same response every time. I sent them several emails with reference number for them to look up the payment and also screen shots of the date that this was paid and still they say they have no funds to put towards the account. I'm getting very concerned that I am going to lose my home. I got this help to be able to keep my home for me and my family. This bill keeps getting bigger and bigger and I feel like they are keeping the funds to their selves and trying to blow it off and they want me to go into foreclosure and lose my home. I'm currently working with the assistance program to try to get things resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The information on my credit report with U S Dept Ed account # XXXX is not accurate. It says the account or loan was opened in XXXX. At that particular time I was only XXXX XXXX XXXX and that could not possibly belong to me. I was born in XXXX, the account must be a direct result of identity theft

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 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-01-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : $ 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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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