BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: IL
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:
Dear US Dept Of Edu : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/2022, I purchased an item from an ad seen on XXXX from a seller called " Onedaystuff ''. The purchase price was {$24.00}. There was no confirmation number or email. Checking the charge with my cards app, I noticed a charge in the amount of {$210.00}. I immediately attempted to contact the seller, but all links were dead and the sellers XXXX profile was gone. Typing the address into a browser returned a 404 message " not found ''. On XX/XX/2022, I contacted my card issuer " Direct Express '' and informed them of the fraud. The debit card was immediately deactivated and a new one issued to me. I initiated the dispute procedure and received the paperwork by mail a week later which I filled out and returned the next day. My bank replied by mail on XX/XX/2022 denying my claim, stating that the transaction was authorized and I should resolve the issue with the merchant directly. A merchant that is impossible to reach and has never shipped the product to date. 

I continue to see identical ads on XXXX for the product but with ever changing seller names.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear US Dept Of Edu : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: NY
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-08-30
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Westlake Portfolio Management via US mail on XX/XX/2023 requesting a debt validation for a debt resulting in a car loan. Westlake reached out to me numerous times regarding the alleged debt requesting payment even after the receiving the requested information. I was contacted via phone, email and US mail stating that if a payment was not received then they would be forced to take further action. It is now XXXX XXXX and I have not received the debt validation but they are now reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed complaint for unauthorized charge by PayPal. PayPal gave irrelevant response to close my claim with Consumer Finance. 
I will repeat, that I didnot give permission or chose Checking Account to be charged. PayPal has a security issue where declined credit card charge is automatically processed, without my permission, through my Checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX  has not been updated on the credit report in over 90 days. The correct balance is XXXX and account closed. The loan id number is XXXX and Experian is still reporting this with a balance of {$570.00} and last updated XX/XX/19.

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX and Transunion are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

XXXX is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified XXXX multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.

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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft, I have contacted the company with a FTC report and a identity theft affidavit. They said that I did not have a police report when I did in fact have a police report. The police report is the FTC report. These accounts aren't mine and should not still be on my report. I am in the process of buying a house for my family and we may be homeless because of these fraud accounts. This is not right. I believe this has to be against the law. Help me and my family remove the accounts. I have attached the FTC report, and Identity theft affidavit, with proof of my identity.

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 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Account not mines, submitted FTC report.

1. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$650.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Inquiry 2.XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: DC
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:
I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, XXXX, Experian and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another XXXX inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX, I began to receive notifications for a bill from USAA, who had previously provided me with renter 's and auto insurance. USAA had made the decision on XX/XX/XXXX to cancel my policy for non-payment. 

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. The debt owed to USAA was included in this bankruptcy. The bankruptcy was discharged on or about XX/XX/XXXX. However, USAA continues to attempt to collect this debt and alleges now that I have even enrolled in a separate policy. 

I have sent letters and several messages to dispute the debt ; demanded USAA cease and desist collection efforts ; provided three copies of my order of discharge ; and have spoken with a representative on the phone -- who verbally promised on XX/XX/XXXX to clear the debt but now refuses to honor the bankruptcy discharge. 

As of today, XX/XX/XXXX, it is my understanding that USAA will attempt to send this debt to collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I was Sent me {$3000.00} via XXXX from a clients Bank of America account number. 
I was not registered with XXXX so when we contacted XXXX the next day they said the money would go bank to the sender within 14 days. 
The money never went back to him he opened a claim with Bank of America but they denied stating that I did in fact receive the funds. 
It is over a year and we have heard every story and Bank of America refuses to tell us what account this credited. They have also told us that the account was closed but neither the sender or I have received our funds.I have additional letters to support. THere reject response is an outright lie as I never heard from them and I have not received the funds.Cleraly XXXX is registered to my email by the email I received from his bank stating the money was sent.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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 any 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Todays date is XX/XX/. After talking to a person on Comenity Bank The person transferred me to a supervisor. So, I spoke to him, and immediately he called me back on a number that was block on my phone and then he costarted to talk, start to curse and threaten violence. I think I should take this to the authorities. Right after I told the company to stop sending harassing calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let XXXX  XXXX XXXX  know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: DC
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:
I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, Equifax, XXXX and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, XXXX, XXXX  and Trans Union, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.

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 2023-08-30
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XXXX  XXXX XXXX XXXX was purchased by GM XXXX credit ( Goldman Sachs ) and I did not get the same interest fee when Goldman purchased the card from XXXX  XXXX because no matter how much I pay my minimum or balance will not go down. I admit I was late the pass few months due to changing jobs, but as of last month I got caught up and my minimum never went down. I know Goldman Sachs is under investigation so I want to ensure the interest theyre charging me is correct as from looking at my old XXXX XXXX statements it seems as if the interest went up?

Company response to consumer: Closed with explanation