BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a vehicle loan with XXXX XXXX for account # XXXX. On XX/XX/2022 my vehicle was repossessed incorrectly. They were claiming that I had not made a payment for 66 days and my account was past due. I told them that was inccorect and provide all my conformation # 's for my payments that were made. They checked their system and saw that I was correct and said they would bring my vehicle back and unwide the repo from my credit and any fee 's due to this mistake was going to be removed.. On XX/XX/XXXX they sent me a letter stating that due to my lack of payment on the account they were going to be selling my vehicle on XX/XX/2022 on or around XXXX XXXX I called and they explained that the letter generated " Before '' they could unwind the repo because they are busy and it takes days to complete something like that. I asked them to guarentee me that my vehicle would not be picked up again and that this was coming off of my record and they said yes. Now here we are on XX/XX/2022 and I received an email stating that I owe {$1500.00} and that out of that amount supposedly some of it is fee 's from the repo. The amount and the fee 's are both totally incorrect and I am in fear that they will repo my vehicle again incorrectly. I need all the fee 's they are claiming incorrectly off of my account, the repo unwinded and for me to stop getting incorrect emails. All this is causing so much stress on me. I am constantly having to call them when I get stuff like this which resolves nothing because I can't ever speak to a manager and all the " Customer Service reps '' are always extremely rude.

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 2019-04-14
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Mortgage  was transferred to the Ditech Mortgage   Company some years ago. 
I have never been late on my Mortgage Payment with this company or the previous Mortgage Company, I applied and received a HAMP Mortgage Program. 
On XX/XX/2018 I received letter from Ditech asking me to fill out the Dodd-Frank Certification Form  ( Form 720 ) which my wife and I filled out, signed and sent by certified mail to Ditech Financial LLC, Attn Loss Mitigation Admin XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX, AZ XXXX and for good measure we also faxed the forms to them. 
The Forms said that Ditech would apply a one time pay for performance principle balance reduction payment in the amount of {$5000.00} which would reduce the principal. 
We have not received this reduction. 
I know that Ditech has recently applied for Chapter XXXX but that should not effect the Dodd-Frank Bill. 

I am XXXX years old and need help on this matter. 
Thank You Very Much for Your Time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I have a collection with the name of XXXX XXXX XXXX that I am not aware of giving them any information. Can you please investigate and also send break down of this payment.

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 2018-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call today from XXXX claiming to be Portfolio Recovery. They indicated that they were calling on a recorded line. The called said that she was trying to collect a debt from XXXX XXXX for over {$2000.00}. The called wanted to know if I wanted to take care of this debt and that if I didn't that it could damage my credit file. I indicated that my credit was in good standing with XXXX XXXX and asked when was this debt created. The caller first said XX/XX/XXXX and then said XX/XX/XXXX. I told her that there was no way I could recall something from 20 years ago and that there is nothing showing on my credit file to validate this debt. I also stated thatXX/XX/XXXX was well past the statue of limitations. The caller then asked if I wished to dispute the debt which I stated yes. She asked me if the address they had was correct and I stated yes and she asked if the number she was calling on was the best number to reach me. I also stated yes. The caller stated that I would receive validation in the mail. My number is on a do-not-call list. I don't believe this to be valid. I have never even had a credit card with a {$2000.00} credit limit. Calls like these are very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
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: Their investigation did not fix an error on your report

Complaint:
I am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2022, I received a debt collection letter dated XX/XX/2022 from " COLLECTION BUREAU OF THE HUDSON VALLEY , INC. On XX/XX/2022 I responded to their debt collection letter disputing the debt and to validate the debt according the FDCPA provisions. I mailed the letter via USPS paid postage and have a copy of the USPS stamped paid postage. 'COLLECTION BUREAU OF THE HUDSON VALLEY XXXX hereinafter " CBHV '' never responded to my letter therefore is in violation of the Fair Debt Collection Practices Act and the FTC XXXX 
I am filing this complaint because they have violated my rights and have damaged my credit rating by falsely reporting a debt collection on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 an account without my written instructions

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom this letter may concern, I am reaching out about my dispute and validation letter request, I have filed back in the early-part of XX/XX/2023 to all three Credit bureaus ( XXXX, XXXX, XXXX Transunion ) I have spoken to each representative of all three credit bureaus in regard about my disputes and validation letter stating a requesting for proof of validation and given 30 for the investigation from the original debt creditor. I have experienced the response from all three credit bureaus.The first was from Transunion. The Transuion associate ( s ) lied to and stated they have not seen letter, then it was stated that they received a letter from a third-party. I verified the letter to them and spoke about when I sent it out and the Fair Credit Lending Act. I also sent out the information of there form of a dispute form over the inaccurate credit account found. I was given mixed information from both the associate and supervisor. They later verified the letter ( s ) that where sent out and want to me re-submit another dispute on the phone/email. There was not result resolution to this issue and I would like for it be taken Care for me please. I have experience similar experience with the other two as well. all I have received from them is that my information is still " pending '' on their investigation timeframe. I had sure to give additional time on the matter, still failed to verify back this information I am request and I would like for taken care effective 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 2023-08-24
Company: EQUIFAX, INC.
State: AZ
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 contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information attached. 

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they aren't even in compliance with Metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 disputed a letter to the credit bureaus on XXXX XXXX to XXXX, Transunion and XXXX. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


*Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX *Credit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Automotive - XXXX *Credit Inquiry from XXXX XXXX, Inquiry Info XXXX HARD Inquiry - XXXX *Credit Inquiry from XXXX XXXX XXXX  XXXX, Inquiry Info : XXXX Inquiry XXXX XXXX - XXXX *Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : XXXX Inquiry XXXX Banking - XXXX *Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX *Credit Inquiry from XXXX XXXXXXXX XXXX,  Inquiry Info : HARD Inquiry : Banking - XXXX *Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX *Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX *Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX *Credit Inquiry from XXXX XXXX XXXX Info : HARD Inquiry : Finance - 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 2021-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, XXXX  I noticed my bank account with Bank of America being closed without any notice. I spoke to fraud department & they advised to get in contact with a department that needs to speak to me but I have received no information about this. Also I had funds ( {$200.00} ) in this account that I can not access now.

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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

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 2023-08-24
Company: EQUIFAX, INC.
State: NY
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please delete the following inquiries : XXXX XX/XX/2022 and XXXX XX/XX/2022. Please delete these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: SC
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 sent letters off asking to investigate my account on XXXXAccording to the law there was not a proper investigation done to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
CEDARS BUSINESS SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX {$5500.00} Balance updated XX/XX/2021 The original creditor claims there is a balance due of {$5500.00}. This is not true. The debt which I do not owe has been sold to Cedars Business Services which makes claims they are going to sue me, and if I do not respond collect a lawsuit. The agent on the phone speaks like an attorney but is not. 

I have told them this is not my debt to please stop calling yet their tactics continue to get more aggressive. Please help me deal with these individuals and remove this from my credit report as it is negatively impacting my score and finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX  XXXX XXXX XXXX XXXX Amount- {$6300.00} I do not know this company my Identity has been stolen and compromised. I have filed an Identity theft report with the creditor. I did not authorize my signature on any documents for this debt noted.

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 2022-07-18
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have called multiple times and have tried to explain to them that I have been a victime of identity fraud and I keep getting emails about a Citibank statement and have given them my social security number and they tell me that i failed the two step authentication I need them to close this account which I dont know nothing about

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MA
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:
This serves as my follow up complaint addressed to the XXXX, Equifax, and XXXX Credit Bureaus, in conjunction with the aid of CFPB. I have notified all three CRAs that I fell victim to identity theft. This written communication restate my request to have the inquiries linked to alleged identity theft erased and excluded from my credit file. The CRAs are mandated to carry out the removal of these specific inquiries within the stipulated timeframe. The identity theft report was previously enclosed with my initial complaint and is once again attached herewith. Furthermore, the information furnished by XXXX, Equifax and XXXX regarding these inquiries is unfamiliar to me. Conversely, these inquiries were individually removed from other bureaus. Hence, I maintain reservations about the precision of the data being presented for each of these inquiries. Here 's the list of fraudulent inquiries that needed to be removed immediately : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am writing to get some help in regards to my credit report, there are some inaccurate and fraudulent account on my report, i have disputed these several times with each bureau and I haven't been able to get back a response from any of the XXXX bureaus EXPERIAN, XXXX AND XXXX, please help as this is affecting me significantly.

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