BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made multiple attempts to complete my identification and dispute process with experian provided to me in an email ... 5 attempts on my phone, when i would complete all the information and get to the third window to submit the site would crash not allowing me to submit the needing documents ... after the 3rd time i found this to be suspicious so i took pics and attempted 2 more times on my phone coming to the same results the site crashing and i having to redo the entire process again... i then attempted to use my computer the site crashed again at the same window preventing submission... i took pics and tried 2 more times on the computer ... thats 8 attempts to submit the documents, not including numerous attempts certified mail documents with my id that i also have been mailing them for over a year i am frustrated with experian clear violation of 15 usc 1681i and their attempts to ignore the misuse and abuse of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Westlake Services, 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: Public record information inaccurate

Complaint:
To whom it may concern, I had an account car loan with Westlake financial. I paid off the vehicle in full and made my last payment but apparently there were fees attached that I was unaware of. Years went by without them contacting me. When I tried to sell the vehicle, I was informed that there was a lien on the title. I paid the fees but now its showing that I have a repo on my credit report which is not true at all. I am having a hard time purchasing a vehicle because of this false negativity on my credit report, and I need it removed. 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 2022-12-30
Company: EQUIFAX, INC.
State: CA
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, Equifax, and 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. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, XXXX, and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-01-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian shows a 120 day missed payment for XXXX when the month only has 31 day for XXXX XXXX. Experian continues to allow XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late and a past due amount of {$6800.00} which is not true and should be XXXX protected on a forward going basis per their legal agreement to me in writing from their legal department this agreement is on a forward going basis and is a legal document. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX protected.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2019-01-31
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX Debited me {$690.00} From Company XXXX/Google. I realize the claim for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX $ XXXXx11 Months despite to my claim, en several time it was ignored ... XXXX XXXX XXXX Do not understood ... And confused me with letter different to my real complaint. 

$ XXXXx XXXX= XXXX by a service that I never Authorized or was authorized. 

As XXXX  XXXX XXXX do not paid attention to my complaint or claim. I decided no continue with my claim, but I see it as a BULLYING TO THE CLIENT. 
BY PART OF GOOGLE/XXXX OR XXXX  XXXX XXXX ... I BELIEVED ... 

TODAY OBSERVING MY ACCOUNT XX/XX/XXXX THE BULLYING CONTINUE. 
OTHER FRAUD CHARGE OF {$690.00} PAID TO GOOGLE ... .QUESTIONS ... WHAT BOUGHT MR.XXXX? WHAT ADDRESS WAS USED TO DELIVERY THE FRAUDULENT MERCHANDISE OF {$690.00}?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2019-03-08
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:
Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$2200.00} Closed CXXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$1400.00} Closed XXXX/XXXX Reported : XX/XX/XXXX+ {$0.00} Closed XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS DEPT OF ED / XXXX not mines Reported : XX/XX/XXXX + {$4100.00} In good standing DEPT OF ED / XXXX   not mines Reported : XX/XX/XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX   XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX   ) XXXX-XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX-XXXX XXXX XXXX  Inquiry :XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX + Finance/Personal ( XXXX  ) XXXX-XXXX XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX   ) XXXX-XXXX RISE Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX  ) XXXX-XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX-XXXX  XXXX XXXX Inquiry :XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX-XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX-XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX Reported :XX/XX/XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$860.00} Needs Attention

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 2023-06-19
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My complaint is with PAYPAL , INC., NMLS # XXXX, LICENSE # XXXX I requested PayPal to permanently CLOSED my account, over 2 years ago. At that time, I communicated that PayPal was no longer authorized to transfer funds from my bank accounts and that all personal bank account routing information should be permanently deleted from my PayPal files. My request was obviously not honored. 

On XX/XX/2020, PayPal sent me a communication stating the following : " We're concerned that someone is using your PayPal account without your knowledge. Please log in to PayPal to confirm review all your recent activity. Your quick response will help restore your account. '' I consider PayPal 's decision not to close my account as requested unethical and their XX/XX/2020 communications to deceptive. 

I seek the help of CFPB to verify the following : 1- My PayPal account has been permanently closed ; 2- All my personal bank account routing information has been deleted/removed from their files ; and 3- My name has been removed from all marketing list and including third party information sharing. 

Sincerely, Don'tMessWithThis Senior

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
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 tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with XXXX  to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.

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 2023-05-20
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: UT
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:
Investigation upon dispute of accounts on my credit report took more than 30 days. My dispute letter was received by Equifax on XXXX XXXX and dispute results show XX/XX/2022 and I didn't receive the dispute results letter from the credit bureau days after that.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. 

See attached for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NM
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:
XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX TRANSUNION Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX ). XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX ). PXXXX XXXXUPDATED Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Sincerely yours, 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 2023-05-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate I ask that the accounts listed below are fairly removed from my credit report since the information is incorrectly reported. 

Before doing so i would like to state that the XXXX XXXX XXXX XXXX Is not my name! 
My name is XXXX XXXX and only XXXX XXXX The accounts are 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 the fact that this information is Incorrectly reported on my credit report I ask that it is removed. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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