BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, XXXX of them are still open. 

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX XXXX XXXX XXXX XXXXXXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.

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 2023-08-09
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:
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 # XXXXXXXX XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
This account is over six years old and has been disputed and removed successfully repeatedly for years. It keeps showing up under different collection agencies. I even tried contacting the original creditor and they keep referring me back to " whomever the collection agency is ''. No one has been able to send me verification or documentation of the original debt. Attached is emails showing prior collection attempts prior to " open date '' currently being reported to credit agencies. ( stating opened in XXXX but collection attempts show as early as XXXX which means the reported account would have to be as old as XXXX or XXXX originally )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Around the latter part of XXXX, XXXX from Regulatory complaints contacted me via phone regarding a complaint via the XXXX  and requested a return phone prior to XX/XX/XXXX. I returned the call multiple times. Upon speaking with XXXX. ( rude and unprofessional behavior ), I did not get my credit for {$750.00}. I requested to speak with a supervisor but no one has returned my request nor has my issue of a credit has been resolved. 

( I authorized for placement of new parts onto my vehicle ) for the requested service repair radiator ( Per XXXX ) BEFORE the determination of the reason why the CHECK ENGINE light is ON. Video of explanation of diagnosis for the vehicle per XXXX XXXX. https : XXXX This video was given to XXXX at XXXX & XXXX XXXX XXXX. My quote of said service was XXXX Once the parts were received XXXX was able to move forward in XXXX. Once the pandemic hit. I was out of work. SO I informed the business of my financial situation which extended well beyond the initial phase, as we all aware. However, I was grateful that my car was done complete per XXXX. Because the repairs were started on XX/XX/XXXX. 
From : XXXX XXXX XXXX XXXX To : " XXXX '' XXXX Sent XXXX Thursday, XX/XX/2020, XXXX XXXX  PST Subject : Re : Parts Ordered we received the grommets, I needed those to begin repairs. 
just waiting on the small outer grille. 
thank you. i will send you the invoice I informed the Shop owner XXXX of my anticipated date for pick in XX/XX/XXXX ( well beyond the time repairs were started and my anticipation of being completed. ) At that time, XXXX requested to bring the car to me. So, I was happy about that. Nonetheless, though I requested pictures ; none were given showing the car completed, I paid {$800.00} additional to the original estimate of XXXX, requested to diagnose my AC ; charges for AC work which I did not AUTHORIZE and no AUTHORIZATION or client being informed of any charges beyond the XXXX. 

Due to the fact, I was leaving town and I needed my car without revocation. I paid the ASTRONOMICAL AMOUNT OF XXXX. Due to the over charges in labor. I went to XXXX for an evaluation of the work done. It was determined that the invoice was not understandable which leads me to further believe. I am overcharged and some work was corrected by XXXX which cost me {$370.00}. I was OVERCHARGED in labor hours Therefore, I want an credit to my account for the difference

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 2020-08-13
Company: Experian Information Solutions Inc.
State: GA
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 identity was used

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 2020-08-13
Company: State Finance Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Broadway Financial out of XXXX XXXX, TX, has an account that was charged off. When I tried to contact them about paying off the debt it had increased from the original charge off amount and it had continued to increase. Just recently on XX/XX/2020 an increase of {$6.00} was added to my credit along with them running a credit check every 3 months on my credit profile.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Pressler & Pressler, LLP
State: PA
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:
Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only XXXX  which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's XXXX or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Chime Financial Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was on the XXXX gaming site on XX/XX/2023 from XXXX XXXX  to roughly XXXX XXXX. I warn XXXX dollars and closed the application. The next day I logged into my Chime account so see if the winnings was deposited. In disbelief and lost I panicked and call chime. I was told the transactions was still pending and to reach out to the merchant. I did exactly that and was told that I broke the law by allowing minors to access the gaming site. I dont know of any parent allowing their children to gamble and exhaust all of their finances. 
Once the transactions cleared as paid I contacted chime again. I forwarded the emails between me and the merchant. Again clearly I did not authorize or give access to the gaming site. On the XXXX of XXXX I received a determination that the transactions are accurate. I asked for a copy of the information used in the decision. Finally I receive the information and it only included the transaction history. My emails wasnt included nor was there any communication with the merchant. I filed a rebuttal and was told by the XXXX of XXXX I would receive and provisional credit. Sad to say today the XXXX I get a email stating the claim is closed and I wont receive a credit or my money back. 
I cant express this enough I didnt nor would ever allow and minors to break the law, especially at my expense. I did not authorize any transactions after I cashed out. I opened another rebuttal today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am XXXX XXXX and I am submitting this complaint against WESTLAKE FINANCIAL SERVICES WESTLAKE FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to WESTLAKE FINANCIAL SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) WESTLAKE FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.

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 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have repeatedly requested and been denied a credit limit increase on my Capital One credit card. I have also filed numerous CFPB complaints related to the denial of a credit increase. 

My last complaint filed with the CFPB I received a response from a XXXX XXXX stating that she could not approve a credit line increase at this time until she spoke to me on the the phone and performed a manual review of my account. She also stated she sent me a secure message to my Capital One account asking that I please contact her. She provided her contact information in that letter. 

I have left XXXX 3 voicemails to date and have not heard back from her. I also spoke to another representative in client services and I explained I could not reach XXXX. This client services representative stated she sent XXXX an email message requesting she call me immediately, again I have not heard from her. Also, I never received an email stating there was a message waiting for me in the secure message center in my Capital One account and when I went online, the secure message center has been discontinued/closed. 

I am tired of the run around by Capital One. I 'm tired of being denied a credit line increase when I have good credit, make all my payments on time, and utilize the credit I have. Even my CFPB complaints are responded to with inaccuracies and I 'm unable to get ahold of the representative to help me obtain a credit line increase. 

I have been offered a 0 % balance transfer and I would like to take advantage of that promotion, but am unable to do so without an increase in my credit limit. To note, I also have an auto-loan with Capital One and always make timely payments on that account as well. 

I am asking that a manual review be performed and that my credit line is increased to {$12000.00}. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report I noticed that a fraudulent collection account was placed on my credit report. The collection company is called XXXX XXXX XXXX ( XXXX ) for {$72.00}. I called the company but they could not verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Transform Credit Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest charge and fees on my personal loan are much too high. Cancel the loan for me and return the money back to TRANSFORM CREDIT, INC.,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Securus J Holdings, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I wasnt sure how to enter this prepaid Stamps from XXXX. 

They said the prison system stopped using them and that they emailed a notification that we had XXXX days to request a refund. 

However, I told them I never received such an email and asked them to forward that to me. They refused and said that if I wasnt active they wouldnt have sent me one. 

I told them I was active until it stopped working in XXXX. I thought it was an app issue. 

They kept my {$18.00}. Who knows how many others monies they kept. I would like to make a formal complaint and help in retrieving my money back. 

I did XXXX the company to see if this happened to other people and found info on a lawsuit against them. Would that lawsuit include me? Please help. 

The people working there were extremely rude and hung up on me and said they would not be refunding me. I never received mail or an email regarding this nor will they provide proof of it either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the covid crisis people can not pay the regular mortgage payments. Fortunately I can pay my mortgage up to now. 
But Wells Fargo deducted the XXXX $ from my mortgage payment on XX/XX/21 saying that I'm not fully covered. 
I called the company about more than a month ago to call my insurance companies together with them and they confirmed that I am fully covered. 
My previous insurance company was the XXXX XXXX and current company is XXXX. They haven't corrected the statement up to now. 
If you could help me out with that. I would be grateful. 
Sincerely , 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 2023-05-25
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with Jefferson Capital Systems LLC today XX/XX/XXXX at XXXX XXXX and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " XXXX XXXX '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We got in contact with our bank that is with our heloc for the amount of {$27000.00} They sent out a packet for us to fill out and send back On XX/XX/2021 for a modification. Everything was filled out and sent back with all documents required. We were waiting for a response in which the did by phone and said everything was approved. Thinking everything was fine and waiting for details and never heard back from them. I called and left several messages to return our call in XX/XX/2021 and haven't heard anything from them, won't return our call.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
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:
I am unsure I why I am having this consistent problem with Experian, XXXX, and XXXX XXXX. In XX/XX/2023 I filed a complaint with XXXX reference # XXXX. After a thorough investigation, XXXX deleted XXXX XXXX from my credit report due to lack of verifiable proof, agreement with XXXX XXXX with my signature, and other reasons. I can't understand why Experian and XXXX are failing to do a proper and thorough investigation to come to the same conclusion to delete this from my credit report. Experian, XXXX, and XXXX XXXX are violating my consumer rights by federal and state law to include but not to FCRA ( 15 U.S.C. 1681s-2 ), FCRA ( 15 U.S.C. 1692g ), and Maryland State Law ( Maryland Consumer Debt Collection Act - Md. Code Ann., Com. Law 14-202 ). The company fails to provide verifiable proof of a signature contract/agreement with me, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I have attached a letter that explains this in further detail to include a letter for CFPB, XXXX XXXX and a statement from 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