BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Due to covid from 2019 going forward i was unable to manage a car payment. I didnt know that by giving the car up they would process it on my account when I was able to make arrangements once I found a job when I gave the car up they sold the car at the auction for close to {$3000.00} they didnt apply that balance to the loan so now its like Im back paying for a car from its original payment. I should not be responsible for paying the amount that I purchased the car for what type of unnecessary fees through Westlake financial services they have taken me to court and try to make it seem like they didnt sell the car on top of the mega payments, and still XXXX on saying that I owe almost {$6000.00} that has been reported to the credit. They also offered me to pay {$1000.00}, but they want it all at once and I afford XXXX that I was not able to give it to them all at once. However, I can break those payments up because I had just begin working again. They stated that they can not take the XXXX dollars then out of nowhere I receive a letter in the mail for Court.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Update to paid as aggree 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from 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 2023-01-05
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution on XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation.

Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted.

Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft.

If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
You will remove this inquiry from XXXX, XXXX, and XXXX. 
Respectfully, XXXX XXXX XXXX, XXXX Without Recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
MDear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Barclay for their refusal to grant me online access to my account and their lack of responsiveness in allowing me to speak with a manager in a timely manner. Additionally, I am facing difficulties in making bill payments, with no available resolution to remove negative marks from my credit report. 

I have been a customer of Barclay for 3 years apparently. However, despite numerous attempts to gain online access to my account, I have been repeatedly denied without any valid explanation. The lack of online access severely limits my ability to manage my account effectively and stay updated on my financial obligations. 

Furthermore, when I have attempted to speak with a manager to address these concerns, I have faced significant delays and obstacles. Customer service representatives have been unhelpful, unable to provide appropriate solutions, and have not escalated my concerns to the appropriate level. 

Another issue I am facing is the absence of a clear resolution for paying my bills and resolving any outstanding debts. I am willing to fulfill my financial obligations, but I have not been offered any viable options to pay off my debt and have it removed from my credit report. 

I kindly request the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau conducts a thorough investigation into Barclay 's practices regarding the denial of online access, lack of responsiveness, and failure to provide appropriate payment resolutions. 

2. Remedial Actions : I ask that appropriate actions be taken to ensure Barclay provides me with online access to my account, facilitates timely communication with a manager, and offers a feasible resolution to pay off my debt with the removal of negative marks from my credit report. 

3. Enforcement : If any violations or non-compliance with relevant consumer protection laws and regulations are found during the investigation, I urge the Consumer Financial Protection Bureau to take appropriate enforcement actions to hold Barclay accountable. 

I have attached relevant documentation, including correspondence with Barclay, to support my complaint. Please find them enclosed for your reference. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: TN
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 in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently XXXX with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the XXXX data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.

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 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 This account has never been late ... grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to bring to your attention an error in the reporting of a joint loan account that is affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to have accurate, complete, and up-to-date information on their credit reports ( 15 U.S.C. 1681 ). In light of this, I kindly request your assistance in rectifying this matter. 

I took out a loan jointly with XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX, but it has come to my notice that this loan is reported only under my name in the credit bureaus records. This is not in line with our agreement with the lender, which clearly stipulates that this is a joint account. 

I kindly request that the CFPB facilitate the correction of this error by ensuring that : 1. The account.XXXX XXXX account number : XXXX date opened XX/XX/XXXXXXXX  is accurately reported as a joint account in adherence to the FCRA 's provisions concerning accurate reporting. 
2. XXXX XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  is added as a joint account holder and this information is reported to all the major credit bureaus, honoring our initial agreement with the lender. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the accurate representation of this account in line with the FCRA provisions.

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 2021-06-26
Company: UNITED BANKSHARES, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
First of all I had this bank for many years at XXXX Pennsylvania the bank was called United Bank the main office is out of Virginia but every time you ask they would say West Virginia I found out this later after this incident. What did happen is I took out a life insurance policy for {$25000.00} for {$110.00} and change once I made this transaction legal I was swindled by the life insurance Company buy set me up an automatic payment plan being how I can get a {$50000.00} policy for the same {$110.00} and change from XXXX XXXX XXXX XXXX I tried to cancel it but the life insurance company what you cancel it. The first month was a XXXX to establish everything I was headed for the second month and called the life insurance Company was forced to put in my information automatically then they hung up on me twice I called the bank ask them to stop the automatic payment before they took it and the lady there told me they don't do that, this was directly from an employee 's mouth I went to the same bank withdrew all monies except {$64.00} and change the Bank stoled {$64.00} and the change and put a payment that I owed them of {$92.00} and change in the whole fact of the matter is it should have been insufficient funds then I would have cancelled the life insurance policy as I tried previously. Sincerely, 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 monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I completed a Chapter XXXX bankruptcy and it was dismissed. My mortgage company XXXX XXXX gave me a new loan of which XXXX have been making my monthly payments on time, in the amount of {$2400.00} for XXXX  months. These payments are not being reported on my Credit report and they are refusing to do so.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: CT
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2018-12-31
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been working full time in public service since XX/XX/XXXX. During this time I have been paying my loans on automatically, on time, and under income drive repayment plans. I applied for PSLF in XX/XX/XXXX and was denied with only 108 payments accepted towards PSLF ( out of 120 needed for  forgiveness ). No one at XXXX XXXX has been able to explain why all 120 payments were not accepted despite my many phone call and email requests. 

I then asked to be considered for TEPSLF on XX/XX/XXXX. I  was denied forgiveness under that program on XX/XX/ and  the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. 
We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. 
The monthly income-driven payment amount calculated using your information on file was {$350.00}. 
A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This denial does not make sense since my last payment was {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 15 U.S.C 1681 & Fair Debt Collection Practices Act XXXX U.S.C 1692 XXXX Account # XXXX and # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to Equifax and XXXX on numerous occasions over the last two years to have XXXX listed on my credit report as included in bankruptcy. I have sent the paperwork to Equifax as well as XXXX and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.

Company response to consumer: Closed with explanation