BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Westlake Services, LLC
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:
Westlake Financial Services has been inaccurately reporting to my credit report and causing me duress. XXXX of XXXX, Westlake Financial Services added remarks to my account that the XXXX XXXX XXXX was repossessed however the XXXX XXXX XXXX still remains in my possession and my account is in good standing, it has not been repossessed. Because of their negligence and the inaccurate remarks added to my credit report my credit score has been severely impacted.

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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX  XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.

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 2023-11-08
Company: TD BANK US HOLDING COMPANY
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:
Td/ Target is reporting fraudulent information on my credit file. Please see the attached FTC report and my drivers license and stop the erroneous fraudulent reporting. I have made multiple attempts to speak to Tdbank/target and request the deletion of this fraudulent account and yet this account persists to report on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: GA
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 submitted a dispute with equifax regarding XXXX XXXX MasterCard. I received the investigation stated that its been verified as my debt. Which is incorrect. I also disputed with XXXX, XXXX requested that equifax remove this account off my credit. Equifax does a poor job with investigation the company has addressed it yet equifax states its my debt unbelievable. In addition I submitted my address equifax has a different address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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: Atlanticus Services Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee on the same day my payment was due which is the XXXX of the mnth. I was trying to get the late fees removed from my account before I made the payment but got no help from customer service. I made my payment 5 days later. Their general card holder agreement states late fees are accessed if payment not records in a timely manner. They charged me late fees the SAME DAY MY PAYMENT WAS DUE! Not to mention they offered a statement credit for automatic payments when you first get your card but the system doesnt let you sign up for it and customer service is clueless so they get you again by not having to give any credits for auto pay setups. These banks just XXXX XXXXXXXX for fees is ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thomas Agency ha

s 3 items for collection on my credit report. All three are medical bills that should have been paid by insurance. I have had full coverage medical insurance my whole life and it pays for everything. These bills should not be there. I have been unable to make gains in my financial situation due to these errors, and my family has suffered as a result.

I disputed the collections and they are claiming that it is mine to pay, but it is not. I will continue to dispute it until they do what is right, and remove it from my report. 

XXXX XXXX  # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: DE
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:
Report inaccurate information

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.

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 2022-09-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for XXXX renters credit card with Wells Fargo Bank. They told me that they couldnt verified my identity. They told me to fax them my drivers license, passport, power bill, renters insurance, lease signed, and a utility bill which I sent XXXX XXXX  to them. They sent me back a reply they couldnt verify my identity and had promised me a renters credit line of {$50000.00} by XXXX for renters through Wells Fargo MasterCard. They scammed me and got all my information. When they receive the fax I paid XXXX XXXX to fax them they sent me a copy of the same exact letter as before. I did speak with them by phone as I called them to see if they received the fax. The guy told me it was in the process as received and approved

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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2021-03-14
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:
Theyre reporting late payments on a second mortgage. We got out of bankruptcy but no one told us to resume making payments to the bank we tried paying the trustee as we had been and when we talked to XXXX XXXX they said they would fix it but never did. If you look at our payment history we have never been late on our mortgage payment. It was not our fault as we had no direction from the trustee or bank that we should pay the bank directly. XXXX removed our bankruptcy info but not the 2 late payments. I also would like you to look into my credit score because experian has me at XXXX but they continue to report my score as XXXX to people who inquire on my credit which causes me higher interest. 
I also would like the XXXX XXXX investigated as I believe that was my husbands account and should not be reflected on my account. I disputed both account but no change has happened. Another thing that I would like to know is when I did XXXX  to try and up my credit score I had no change so because there was no change I canceled XXXX and experian lowered my score by 3 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 this company Credit Acceptance contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer by the name of XXXX XXXX XXXX lawyers, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$6300.00} that they will pursue other actions against me.

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: FREEDOM FINANCIAL NETWORK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX XXXX from Freedom debt relief took my money after givingme false information. All the debt they claimed to be settling, was not mine. I've tried getting a refund but I have been hung upon, every time I ask to speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX. This is my second complaint being filed for not receiving funds from a closed Chime account. My complaint is to receive the remaining balance, {$7200.00} via check. On XXXX XXXX my Chime account was closed because Chime 's partner XXXX XXXX said it wasn't in compliance with Chime 's policy. In Chime 's agreement it states that all funds will be returned via check. My first complaint was responded by the company said I did not qualify for the {$7200.00} that remains in the account and that the originator of the funds would get the funds. I am the originator of the funds. The {$7200.00} was not sent to account at one time. The {$7200.00} was saved over time. The {$7200.00} was saved by me therefore belongs to me. I would like the funds that I sacrificed for and saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Maury Cobb, Attorney at Law, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten repeated calls from this collection agency -- -I called this number back but the person on the other end hung up on my because I would confirm personal identifying information. I told her I had a attorney and that person hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for cash magnet from amex and got approved immediately. Since, I was receiving offer letter to apply for blue cash everyday credit card of amex for more than 2 years, I decided to apply for bluecash every day as well after 2 weeks of approving for cash magnet. Before applying, I searched on the internet and I found that the best plan is to use both combination of cash magnet and bluecash everyday together for everyday purchases and there is no constraint to apply for both. 

However, surprisingly I got declined immediately from amex for bluecash everyday! I called and explained the situation and the representative told me my account is in good shape and the only reason that I go declined was because system thought it is a duplicate application based on your current cash magnet application and that is why you got declined. As a result, we review your application manually and you would receive a call soon regarding our decision which would be your approval for the credit card! 

After 5 days, I receive a mail which is noticed me the amex abide by their decision and I am not qualify for being exception of approval for bluecash everyday! I was shocked when I read that mail as I expected to receive a call and being approved for the bluecash every day credit card! 

I called amex again afterward and I was told your application can not be approved as you already have the cash magnet credit card! 

I searched again on the internet and I could not find any policy any where regarding to not be able have both card at the same time! There are many people outside that talking about the benefits of using both card together as a combination! Also, if there was a policy I should know it ahead of applying to not allow them to pull up my credit report account! 

I need amex to review my account once again and approve my application. 

Bests, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : # XXXX ( XXXX XXXX ), Account name : # XXXX ( XXXXXXXX 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 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 explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MD
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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

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