BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: Westlake Services, LLC
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of FCRA-creditors are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious customer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA. Despite my previous written request, the unverified item listed below still remain on my credit report in violation with Federal Law. You have failed to send me copies of the SIGNED APPLICATION with MY SIGNATURE proving that the account in question belongs to me, yet you are still reporting the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted both Portfolio recovery and XXXX about debt they say I owe. have ask for proof many times and have yet to receive any form of proof of debt. This is on my credit report I have desputed this several times over last two years. Last date was on XX/XX/2019. With XXXX XXXX, they responded this was verified. Have ask for said proof several times with no results. This account number is XXXX Portfolio Recovery. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX XXXX account when the dispute resulted completed on XX/XX/XXXX they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXX I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXX with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation called RE-AGING also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXX to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXXXXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX and TRANSUNION.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: ND
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:
Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.

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 2023-07-21
Company: Experian Information Solutions 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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 my parents wrote me a check for {$2000.00}, I submitted the check via mobile deposit. XX/XX/XXXX Citi bank froze my funds without notice, I called in to see exactly what was happening when I was informed they believed the check was fraudulent and would be closing my account. I was told it would take 30-60 business days before the account is closed and any funds would be sent out to me after pleading my case and explaining to them the check was written y my dad and that I could have him verify his check with his bank I was told that would be satisfactory and I could then appeal the decision, after my dad spoke with his bank they informed him nothing was wrong with the check and no reports of fraud were sent or received, I called Citi bank back informed them of this and the rep continued to speak over me as much as possible and just hung up the phone on 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 2022-02-11
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: MI
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:
My XXXX XXXX loan for a XXXX XXXX was not total cashed out according to the guidelines of the XXXX claim checklist filed with XXXX XXXX XXXX. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to XXXX XXXX and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

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 explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not reporting proper information to my credit report and not updating all of the good work I'm doing with my credit. Experian has a collection action by the company XXXX that is handling a debt that I owe XXXX. Attached is the official paperwork from XXXX that this debt is settled but yet this still shows negatively on my credit report. My fico score dropped, and it's unethical behavior based on this debt being settled.

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 2019-11-17
Company: Westlake Services, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
the vehicle had several issues and I ended up being unemployed, I am deaf so I have to use a relay service interpreter to call and I was repeatedly hung up on by ignorant customer service mistaking it for a phone solicitation calls, I eventually emailed the customer service informing them they could repossess the vehicle and we could work out the balance. I received an automated reply that they would respond within 10 days, they never did. I was living with my father so I could not park it in the community so parked it at a public lot. after several months later repossession trucks showed up and I informed them of the location. the repossession company ended up continuing to come to my fathers house harassing him about the truck, we neither have possession of the truck or have knowledge of when/who the repossession took place. my father called several times and they repeatedly told him that they could only talk to me even after several times explaining that I can not hear or talk on the phone. I have recently learned that Westlake financial has faced several lawsuits, even class action lawsuits, I would like this resolved/removed without having to go through a lengthy lawsuit as everyone else seems to do. this is an absolute terrible company to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed both my credit card accounts with no notice and no reason. When I called they said it was a " business decision '' and I would like my accounts opened backed up. I have a savings account with them and I feel I have been mistreated when I had over $ XXXX in a savings account for most of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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:
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 USC1681. 
XX/XX/XXXX15 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 account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C. 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: OH
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:
Several years ago, I noticed that someone was using my personal information and even had me living in XXXX, Ohio. I reported this theft to all three credit bureaus and I assumed it was removed and fraud alerts/a freeze was placed on my credit report. I never thought about it again. I recently saw this XXXX address again and I'm now wondering if anything was removed years ago and/or if this thief is back. I also recently filed bankruptcy. I immediately see all of these hard hits popping up on my credit. It's not me. I did apply for a XXXX XXXX credit card and was approved for {$300.00}. This was me. I do see XXXX XXXX XXXX, who is the leaseholder of my new car. This is me. However, everything else is fraud. I only see the hard hits. I'm not sure if anything was approved or not. I hope not. It's as if the thieves were waiting on my bankruptcy to clear everything up, so they could start fresh. I too, would want to do this, but do so reasonably. I also have some things that I would think should have been removed with my recent bankruptcy. I also have pictures and emails from XXXX XXXX, with large amounts pending. These have since disappeared. The emails were welcoming me to my new account. I have no new account. I did speak to XXXX and they don't see any of this. I'm so glad that I took pictures and I have it. I don't think anything fraudulent has come of this. I hope not anyway. I'm sure I'm missing information to give you, but I think I have covered everything. I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: ENCORE CAPITAL GROUP INC.
State: NC
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/2021 TWO COLLECTIONS WERE REPORTED FROM MIDLAND FUNDING ON MY CREDIT REPORT. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( MIDLAND FUNDING ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 2023-10-15
Company: Experian Information Solutions Inc.
State: OH
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:
fraud information the accounts donot belong to 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 2023-10-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim 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 explanation