BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on FAIR COLLECTIONS & OUT XXXX Balance Owed : {$940.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2022-12-25
Company: Experian Information Solutions Inc.
State: AL
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 am submitting this complaint AGAIN! because the security freeze has still not been lifted from my consumer report from this company and this is violating my rights and maliciously inhibiting my ability to obtain credit. I would like the security freeze lifted from my consumer report today! Right Now! I included my documents to verify my identity in the complaint I submitted in XXXX and the security freeze is still in effect. I am attaching my drivers license, social security card, utility bill, and Alabama law that states this consumer credit reporting agency has XXXX minutes to lift the security freeze after being put on notice that I would like it permanently removed from my file. This my last attempt to resolve this problem before I take legal action against this company. 


-- -- -- -- -- -- -- -- -- -- -- -Below is Alabama Law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Alabama Consumers Have the Right to Lift a Security Freeze A consumer reporting agency must authorize the release of your credit report no later than 15 minutes after receiving the above information if the request is by electronic means or by telephone, or no later than three business days when a written request is submitted. A security freeze does not apply to a person or entity, or its affiliates or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance. Unless you are a victim of identity theft with a police report or other official document acceptable to a consumer reporting agency to verify the crimes, or you are 65 years of age or older, a consumer reporting agency has the right to charge you a fee of no more than ten dollars ( {$10.00} ) to place a freeze on your credit report

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 2017-02-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Ever since I moved into my apartment, I have been receiving the same junk mail from Chase Bank. I have called repeatedly to request to be removed from their mailing list and also requested to be placed on a do not mail list. Every time one of their representatives would assure me that everything has been taken care of. However, without fail every month, I will still receive the exact same piece of junk mail advertising their promotion to get {$500.00} if I open an account with them. Every time I call them to complain, they either give me false assurances or they redirect me to another phone number and line, but they refuse to address the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion credit report file no. XXXX " verified as accurate and updated '' disputed information regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX XXXX I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXXXXXX XXXX XXXX XXXX XXXX XXXX  does not appear to provide products or services within XXXX. I have not been involved with XXXX XXXX in any way, yet XXXX XXXX XXXX XXXX has apparently repeatedly " verified as accurate '' the information it submitted to Transunion which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of 11 derogatory remarks on XXXX, XXXX and XXXX. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed XXXX violations. 

The account with XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ).

After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 

15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be the original and current creditor,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AZ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am writing to file a formal complaint against Westlake Financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX regarding fraudulent practices and the inclusion of an unauthorized extended warranty in my auto loan contract. The actions of these entities have resulted in financial harm and a violation of my consumer rights. 

On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$11000.00} ( see attached XXXX  and XXXX ), with a down payment of {$1300.00} ( {$500.00} trade-in and {$800.00} cash ). To finance the remaining amount, I secured a loan through Westlake Financial. 

Recently, on XX/XX/XXXX, I noticed that my loan balance with Westlake Financial had not decreased as expected. Concerned about the discrepancy, I contacted Westlake Financial ( XXXX see attach XXXX ) to seek clarification. However, the representative I spoke with was unable to provide a clear explanation for the inflated balance. Upon further inquiry about an item called " XXXX WARRANTY '' listed on my loan contract ( See attach XXXX XXXX - Account number : XXXX ), the representative failed to provide a satisfactory explanation. I asked to be transferred to a supervisor. Unfortunately, the call was abruptly disconnected, leaving my concerns unresolved. 

I made a subsequent call to Westlake Financial on XX/XX/XXXX ( XXXX see attach XXXX XXXX, to address the issue once again. During this call, I was connected with a supervisor who shed some light on the matter. The supervisor confirmed the presence of the " XXXX WARRANTY for SERVICE CONTRACT '' on my loan contract but did not offer a clear explanation for its inclusion. When I expressed my desire to cancel, the supervisor assured me that it was indeed possible to cancel the warranty and receive a refund that would result in the being applied to the loan 's principal, which currently stands at {$12000.00} ( See attach XXXX  ). 

The supervisor at Westlake Financial told me that to proceed with canceling the warranty I would have to call XXXX. XXXX as indeed I did it XX/XX/XXXX, she told me they can not do it. So then, I contacted XXXX XXXX ( XXXX XXXX  ) on Monday, XX/XX/XXXX. However, my attempts to reach a representative were largely unsuccessful, and when I did manage to speak with someone, I was informed that the warranty contract had expired on XX/XX/XXXX. This contradicts the information provided by Westlake Financial, and the representative refused to transfer my call to a supervisor, citing the absence of a binding contract between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-07-01
Company: Mr. Cooper Group Inc.
State: NJ
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:
XX/XX/2023 is showing late mortgage payment. This is false. Weve never missed a payment. We applied for a loan modification at that time and mr Cooper incorrectly reported us 60 days late. Weve contacted them and also the credit bureaus but they refuse to correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a complaint about a debt our company knows nothing about, TRANSWORLD SYSTEMS INC ACCOUNT XXXX. I am requesting a cease and desist of TRANSWORLD SYSTEM INCXXXX all communication until we receive documentation over the unknown debt with XXXX XXXX XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent injunction. And it also appears Transworld operated under a different parent company in 2013 and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies. ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX of Texas had this account and has sold it to different companies apparently, because once we completed our bankruptcy successfully in 2017, Phoenix Financial Services started harassing us and they said that this bill had passed its limitations but we could still settle the debt!! I informed them that we paid all our debts through the bankruptcy but they said they wouldnt contact us anymore!! They still put this on our credit once and we gave them our bankruptcy attorneys information as well!! The company name is a collection agency Phoenix Financial XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 contacted the customer service department to request a reversal of the {$10.00} interest fee that was charged to my account. According to my understanding, I should not have been billed any interest fees since I paid off the balance and consistently paid the statement balance each month. Unfortunately, my request was declined. 

Here are the details of my account activity : In XX/XX/2023, my statement balance was {$1100.00}, and the due date was XX/XX/2023. On XX/XX/2023, I made a payment of {$650.00}, which covered the required minimum payment of {$25.00}. Additionally, on XX/XX/2023, I made an additional payment of {$810.00}, totaling {$1400.00}. This payment exceeded the statement balance for XX/XX/2023, and I made it before the cycle ended on XX/XX/2023. 

When the XXXX cycle ended, my statement balance was {$530.00}, due by XX/XX/2023. Since my account is set up for auto payment of the statement balance, I expected not to be charged any interest fees. However, I discovered that Capital One billed me {$10.00} in interest. 

During my conversation with the representative, I was informed that because the full balance of {$1100.00} was not paid by the XX/XX/2023 due date, it broke the grace period, resulting in the interest fee. However, I explained to the agent that I paid off the entire balance before the cycle ended and that the transactions made during that cycle should not have accrued interest since they were part of the current cycle and did not exceed the 25-day grace period. 

I urge you to thoroughly investigate this matter as I strongly believe it to be a systemic issue. It is possible that other consumers are also being billed interest fees when they should not be, particularly after paying off their balances before a cycle ends. This practice appears to violate Regulation Z, as it involves overbilling consumers with unjustified interest fees. 

I kindly request a comprehensive investigation into this matter and a resolution that ensures the accurate and fair billing of interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: SANTANDER HOLDINGS USA, INC.
State: PA
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:
On XX/XX/2023 i notice fraudulent activity on my credit file for inquiries from multiple banks all in one day for no reason of me i called XXXX to inform of fraudulent activity i was told steps to take to remove information i did each step today i see inquiries still show on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: CO
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 never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX XXXX  and that isnt correct. My credit was XXXX and now reporting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these remaining disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 2022-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these remaining disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation