BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
CHARGED ME TOO XXXX High interest rate. THEY REPOSSESED MY VEHICLE CHARGED ME EXTRA FEES ALSO IN TOWING COMPANY GAVE ME HARD TIME AND THIS WAS DURING PANDEMIC WHICH I REPORTED IM GOING THROUGH HARDSHIP.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello, To whom it may concern, I was a victim of identify theft and I found out in XX/XX/XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the Transunion Bureau to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX XXXX XXXX was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 attempted to contacted Transunion and XXXX on multiple occasion to investigate an account with XXXX XXXX XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old retired woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert XXXX , Transunion and XXXX I am overwhelmed and do not know what else to do.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: LA
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: OneMain Finance Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022, {$2400.00}. One Main was part of my debt consolidation which they agreed on a lower rate. The loan with One Main was paid off via the cost they agree on with the company. Everything was finalized and they were paid. 

I feel that they should have not ask for any additional money since they agreed to the payout amount to close the loan account. 

They sent me a XXXX XXXX  which should have never been reported!! How can a promise to take a loan payment agreement to resolve it become a scam to get additional money via taxes? This should have be resolved and written off as agree!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a late payment in XX/XX/XXXX begin reported by Kohls on my credit report on all three agencies. I have had a Kohls 's credit card since XX/XX/XXXX is yet an open and actively used account. I have tried contacting the lenders but was given a proper response urging me to submit a complaint here as I paid after the payment due only once! It has been negatively affecting my ability to get open other credits and lower interest rates for a mortgage as I am trying to provide my family with a house and get on my feet. It is the only late payment ever that is affecting my score ; therefore affecting my ability to increase and build credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a check for the app in the amount of {$610.00}. I received a notice that a hold has to be placed because the check needs to be verified in detail. I called a representative and was told that the date number on the check was not current, I called the work agency and was told that the check was just written, that the date was current, I verified and indeed the date was current. The bank said they were going to verify and said no more. The deposit took about 2 weeks to clear.

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 2023-09-07
Company: MEI AUTO FINANCE INC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was initially denied credit by MEI XXXX to purchase a vehicle. I was given a Adverse Action letter showing why I was denied. I advised the Finance Manager that I had frozen my credit and from being viewed. I advised that I have proof of income which exceeds the required amount needed to secure the asset. After complaining to the company that the laws are being broken in this transaction, the agent of the company advised me that credit would be extended on the conditions that I provide a down payment. I advised the company that this is against the law. The Finance Manager stated that {$3500.00} would get me " Anything on the Car lot ''. I only had {$2000.00} and needed a car bad because my car was stolen on XX/XX/2023. The company knew I needed a car bad so I can live my life and made it extremely hard for me as much as they possibly could. On XX/XX/XXXX, I asked for my refund via phone call with the finance manager twice during that call. The finance manager stated that I needed to speak with his XXXX to get a refund. I advised the finance manager that notice to agent is notice to principal. He reiterated that all refunds come from the XXXX and that he couldn't help me. I sent an email to XXXX XXXX XXXX of MEI XXXX on XX/XX/XXXX in regards to refund. Money has not been returned as of today. 

I sent email communication to the manager XXXX to discuss my contract and to request refund. XXXX advised me that the company is following all State and Federal laws. I advised XXXX of what happened at his location. I told him that his team would only allow me credit if I put a down payment in after denial of credit letter was generated. In my response, I stated that I wanted a refund of my down payment since the vehicle was returned less than XXXX from the time of signing the agreement. I wrote him to say that I had more questions as it pertained to the account and that in good faith I wanted the company to hold the vehicle until we can figure out the contract. I advised XXXX that the contract never clearly stated that I " owe '' a debt and I wanted more clarity to justify the numbers listed on the agreement. 

He replied that the only way to get a refund was to sign an agreement releasing liability. I paid the {$2000.00} before any agreement was signed. I clearly stated that I wanted a refund since they have the car, my private information, as well as my down payment. I thought returning my down payment was only fair until we get the contract situated. I have a receipt to prove I paid {$2000.00} for the down payment.

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 2021-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third attempt and I have attempted to remove inaccurate accounts XXXX and XXXX and it continues to report in my profile. The bureau has failed to provide and proof of executed contract with my signature on it and has not provide any information in 30 days of my initial request. I demand the following account to be removed from my profile.

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 2023-02-09
Company: BMW Financial Services NA, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged. 
Somehow the negative account was placed back on my credit. On XXXX I reached out to BMW Financials and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for Mortgage loan with my bank, XXXX XXXX ( Home mortgage consultant ) NMLSR ID # XXXX reached out to me by phone and told me verbally what are the rates and the lender fee and she was nice, I submitted an application online and submitted every document she asked me for!! I got my pre-approval letter and I started looking for houses and when I found the house I want to buy, I signed my contract and 2 days later I asked her for my loan estimate, she started going around every question I asked about that and told me over the phone that I cant provide your loan estimate till I pay the fees up front!! I searched it and spoke to multi lender to find out that by law She provide me my loan estimate after 3 days of submitting my application. I sent her email asking for that again or I will reach out to CFPB and she called me talking rude and she said that she is not willing to do that till I make a real deal!! Shes trying to let me pay the fees up front and I have no idea what it will costs me to close on that house!!! She wants me get stuck with her offer!!! Please help

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX 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 2023-02-24
Company: Experian Information Solutions Inc.
State: SC
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX AZ XXXX ) XXXX XXXX XXXX {$5500.00} XXXX Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of late payments on my credit report as listed in the report provided by your agency. After a careful review of my credit history, I have identified inaccuracies that I believe are negatively impacting my credit score. I am requesting an immediate correction of these errors.

I understand that accurate reporting is essential for maintaining the integrity of credit reports. However, I firmly believe that the late payments listed are erroneous, and I request a thorough investigation into this matter. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter promptly and correct any inaccuracies found on my credit report. As a consumer, I am entitled to fair and accurate reporting, and I believe that resolving this dispute will contribute to the overall accuracy of my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and timely investigation of my dispute. I request that you provide me with a written response within 30 days of receiving this letter, detailing the results of your investigation and any actions taken to rectify the inaccuracies.

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