BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: MI
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. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, 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:
This company is violating my right and credit report fcra 15 U.s. code 1681 ( a ) 2 exclusion Except as provided in paragraph three determined consumer report does not include debt collectors then try to profit off a debt the original creditor has already excluded from their finances. late payment are illegal In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 uac 1681 sextion 604 A section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 usc 166b : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes

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 2022-09-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account XXXX XXXX XXXX XXXX Please help me, what should I do to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Wells Fargo bank in XXXX tx .. date XX/XX/19 time XXXX : XXXX transaction # XXXX teller : : XXXX accepted a money order for XXXX $ $ from XXXX. food store that is 50 yards away.. the teller said that by 48hours for sure. The money would be available for spending by the account holder.. that never happened..then on XX/XX/19 .. the money order was cashed ... XXXX   XXXX  money order department.. vertify this in a phone conversation..they claim the money was being held for vertification ... .up to this day they have not done their job duty function of care to a client.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeatedly calling my phone and now calling my relatives and telling them I have debt. I have requested that they DO NOT CALL, however, they continue to do so and now are calling other people asking questions about me. I do not owe them any money and I want them to cease and desist calling me or people I know. They are annoying and harrassing me and must stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: KY
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 financed a vehicle with XXXX XXXX XXXX XXXX The vehicle was traded in. XXXX XXXX XXXX XXXX XXXX late payment on my credit which would not be possible because it was traded in and paid off. I later found out that XXXXXXXX XXXX XXXXXXXX did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 acct number XXXX has violated my rights 15 U.s code 1662 It is illegal to require any downpayment and connection with the consumer credit transaction Rescind the transaction 15 usc 1635 Return of the money or property following recession

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 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with Bank of America and around XX/XX/2019 I saw 2 fraud XXXX transactions, {$2000.00} Each. When I called the bank to tell them it was a fraud transaction, they denied the claim and said you authorized it. However I did not. They said they sent a verification text to my phone number but however I haven't received that text. I just want my Money Back

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rig
hts as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-07-12
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
once again Citibank fraud department froze my card bc I called to set up my PIN. 

Once again, they can NOT send a pin to my phone number, never fixed. 

XXXX I don't know how they stay in business. 

Once I am done with the card, I will cancel it.

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 2021-03-15
Company: OneMain Finance Corporation
State: LA
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've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Self Financial Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hi I took out a secured loan with my own money in XXXX to build my credit I paid off the balance this money my money hasnt been returned I email customer service multiple times I submitted the proper documentation no one is not responding I need my payout thru also lied and said my payout will be XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: DC
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXBalance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion continues to report a collection from a company named XXXX XXXX. I have never done any business with such company and should not be reporting any debts under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$390.00}

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 2023-08-03
Company: Westlake Services, LLC
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: Investigation took more than 30 days

Complaint:
I have purchased a total of four cars through U.S. Auto and I've maintained an impeccable repayment history. In XXXX of 2023 I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it. 

I received a notification in XX/XX/2023 that U.S. Auto was closing all 39 of their locations until further notice immediately. I received a notice from Westlake Portfolio Management that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. Westlake portfolio has zero information to offer concerning U.S. Auto. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach US Auto at this point. They literally informed their XXXX office staff to complete what they were working on and leave the building. 

There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if Westlake portfolio can't get their required tags, how will I get my title?

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 2023-06-06
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Dyck-O'Neal, Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2018 After paying {$110.00} on oringal loan & the principal of {$14.00}, XXXX for 18 years, XXXX sold to XXXX XXXX, then sold to XXXX XXXX XXXXXXXX, which doubled the mortgage from {$6000.00} to {$12000.00} & refused payment of {$110.00}, I filed Ch.XXXX Bankruptcy & notified them on XX/XX/2018 about Chapter XXXX bankruptcy. XXXX, refused payment of {$110.00}, called the loan, doubled the owed mortgage of {$6000.00} to {$12000.00} t & sold the BKXXXX mortgage to XXXX XXXX XXXX, Debt collections. XXXX XXXX XXXX KNOWS about the BKXXXX, which is in writing in 2 different letters. In addition, they know, I have satisfied the criteria & been discharged from BKXXXX in XX/XX/2018, which is also known & can be verified in the 2 different letters they have sent. However, the debt collection company continues to call me every Friday, without any regards to the Federal Bankruptcy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: LA
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've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account.

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has

violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues. 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 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 r
elating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief