BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted a letter as a consumer to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX violated my privacy by furnished a bankruptcy referenced number XXXX to XXXX XXXX and to XXXX, Equifax, and XXXX. I did not give XXXX XXXX permission to furnish this information, as I have a right to privacy. It has also been over thirty days since i have sent the letter. By law, a company has 30 days to investigate, and I have yet to receive a response regarding my dispute has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am filing a complaint for the second time against capital one they have blocked my card because they wanted to verify bank statements where the payment is coming from. Thats all they told me they needed to see the last four digits of each account and savings and checking with my name on the bank statement. I have sent that to them. I got a call after three days saying they need to see the full account number is no need for them to see the full account number because the last four digits are already on the bank statements with my name on it I explain that to the lady. She says you need to show us the whole numbers I dont have to show nobody my whole numbers of my bank account. this is very ridiculous. I can not use my card, they block my existing credit. they also send me a card a XXXX  credit card that I did not apply for it. I thought they send me that as an offer I did use some but I ended up closing the card because I did not want it because it affected my credit report, I dont understand how they can offer me a credit card without my permission to check my credit.there customer service is very bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Westlake financial services has me stuck in a preditory loan. 
I have already paid off the loan amount yet they keep saying i owe them thousands. At advice from attorney i still keep paying them. I sent them a demand for title letter. They repossessed my truck not once but twice oweing no money. Cost me {$2300.00} total so far in have to get it back twice. They will not contact me at all just i wake up and my truck is gone. I have lost contracts and lots of money over this. 
I have to park my truck sideways as they will just take it without any contact. No letter, no email, no call. Stating they have a do not contact order from me. Well i get spam emails and other forms of mail plus spam calls from them all the time. 
I cant even trade it in to get out from under them as they have account closed on my credit yet my truck is sitting right in my driveway. They refuse to report but every 4 months to the credit reporting agencies. 
Im tired of this, im over stressed and get nowhere with them in this matter. I was advised about all the lawsuits that have gone on with them over these same issues.

I just want the title to my truck and westlake out of my life. They hinder my business with these games and ive over paid thousands. 
What can i do to get out of this.

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 2023-08-26
Company: EQUIFAX, INC.
State: AZ
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:
Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Ark-La-Tex Financial Services, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I selected XXXXr XXXX  XXXX Benchmark Mortgage to finance my recent primary home purchase in North Carolina. After years of dealing with XXXX ( XXXX XXXX XXXX ), the XXXX at XXXX was fully aware with my frustration in having them as my mortgage lender. Their customer service rates an F with little to no support, waiting days for a return phone call, and months for an answer to a question submitted via the online channels they provided to me. 

So it was quite a shock when my loan closed on XX/XX/XXXX to have XXXXXXXX XXXX SELL my loan immediately to ... guess who ... XXXX XXXX. I received an email message first from XXXX XXXX last Thursday on XX/XX/XXXX ( before even my first payment ) without having received any notification from XXXX XXXX, until I right away reached out to them to ask WHY would you sell my loan to this lender of all lenders out there? They flippantly replied that it was already sold, too late, nothing could be done except to hope that XXXX XXXX chooses to re-sell my loan again at some undefined point in the future. 

How can a company do this without any input from the actual customer? Consumers should be given a choice of 2 - 3 potential lenders, and then we select with whom we wish to work for the next 30 years. At this point, my only option to avoid working with XXXX XXXX is to refinance the loan, which I will do as soon as feasibly possible. 

Mortgage lenders have no governance or oversight to their nefarious practices. WHen I select a company, I expect that company to provide the services NOT to have them instantly sell my debt to another company. This practice has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
{$5600.00}. 

This amount was kept in a restricted escrow account for payment to a contractor after an insurance settlement for mold repair. 

Ditech has been outright lying to me and the insurance adjusters as to the status of releasing these funds. They claimed they released them in XXXX of 2019 but I am still waiting for payment. The contractor has threatened to put a lien against my property for not paying the balance of the work he completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i have already filed a complaint XXXX over a month ago. I have reached out to the contact person multiple times. XXXX XXXX resolution specialist at Bank of America XXXX he will not return calls. This is unacceptable. I have been a long time customer carry sufficient balances and i have been pushed to the side. I have contacted XXXX XXXX office as well. I beleive there is senior financial abuse and would like all my accounts to be looked into. All i want is confirmation that i withdrew XXXX from my account in XXXX. And if they can't produce it I want my XXXX put back in my account. This has been going on since XXXX of 2022, and everyone at Bank of America seems to hand it off to some one else from the branch to escalation department and now to resolution department.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX Last XXXX SSN # XXXX RE : XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX TransUnion are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. You can't merely parrot the furnisher information.Your agency 's failure to conduct a proper reinvestigation and your reliance solely on the furnishers ' information not only puts you in violation of the FCRA but also subjects me to potential financial harm and distress, as inaccurate credit reporting can affect my creditworthiness and financial opportunities. 
1. Delete this inaccurate account because date of last active XXXX XXXX Acct # XXXX XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 

2. Delete this inaccurate account because date of last active XXXX XXXX Acct # XXXX XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I am also including the reinvestigation File Numbers : XXXX and XXXX see attached documents. Proof of no reinvestigation and no change was made to circle and highlighted date last active. 

Section 611 ( a ) ( 1 ) of the FCRA clearly states that " A consumer reporting agency shall ... conduct a reinvestigation ... of the disputed information. '' This reinvestigation must be conducted in a manner that is fair and reasonable to ensure the accuracy of the information reported. Additionally, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates that if the information is found to be inaccurate or incomplete, the consumer reporting agency must promptly correct or delete the information. Failing to do so further compounds the violation of the law. Therefore, I am formally requesting that your agency reopens my dispute and performs a full and diligent investigation into the accuracy of the disputed items, as required by the FCRA. I also demand that any inaccuracies found during this reinvestigation be promptly corrected or deleted from my credit report, in accordance with the provisions of the FCRA. All CFPB complaints maybe used as legal evidence. 
Regards 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 2018-08-18
Company: EQUIFAX, INC.
State: NM
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: Problem with personal statement of dispute

Complaint:
Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. Equifax and XXXX  merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.

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 2023-10-19
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have several pay day loans that were sold to collection agencies and the XXXX continue to call and lvm 's. I've advised that I filed bankruptcy and can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
I have reach out to tradeline company and credit reporting agency sent in the requested information no response from the companies in reference to this fraud account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-21
Company: Coinbase, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
There was a fraud on XXXX and I reported it to Coinbase and they assured me that they were not going to release those funds, however they did against my consent. I phoned them 3 times that day, explaining them it was a fraud. 
They also sent me an email saying that those funds ( {$800.00} aprox ) where not going to be released before XXXX when I authorize the transaction ( email attached. ) however they did not follow through and released those funds on XXXX. 
I have called Coinbase for about one month now, and they have all types of excuses for not returning the funds, and they run around not taking any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: IL
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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
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.

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 2023-08-26
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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