BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/XXXX, I offered XXXX XXXX XXXX an application for a XXXX XXXX XXXX XXXX for {$20000.00}. XXXX XXXX XXXX accepted my application and used the credit card information listed. They then asked me for a substantial down payment for a credit transaction. XXXX XXXXXXXX, the locations Finance Specialist, mentioned the Truth In Lending Act stating any private information given to the branch is to be held for 7yrs. The Truth In Lending Act also states that the finance charge shall be determined as the sum of all charges payable directly or indirectly by the person ( natural person or an organization ) to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. I literally extended, according to the Truth In Lending Act, two of my credit cards to an organization for the purpose of obtaining personal property. It was I who extended the initial credit. XXXX XXXX XXXX failed in their responsibility as a financial institution or an institution-affiliated to borrow the funds/credit ( redeemable from Federal Reserve Notes ) XXXX I asked for my application back as it yielded me nothing but heartache and new inquiries onto my Consumer Report, none with my permission which is illegal. Refer back to what XXXX XXXXXXXX said. I asked for the banks that also used my information ( 5 total excluding XXXX XXXX XXXX ) while I did not benefit at all. XXXX XXXX was polite enough to indulge my request. He then gave me XXXX XXXX XXXX adverse action letter. I asked XXXX XXXXXXXX if he could show me where in the Truth In Lending Act it stated private information must be kept on file for seven years, he responded by saying he wasnt a lawyer. They are all guilty of Unauthorized Use. 

I then called Westlake Financials Analyst XXXX XXXX. He said he couldnt do anything for me and he only deals with the dealership and said not to call him. I get it. But hes the Companys agent who personally saw my information, used it, and gave me nothing for 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 2019-02-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I previously filed a compaint ( Complaint Number XXXX ) where the credit card company provided a response. The response provided by the credit card company failed to address the underlying context of my complaint which was that I received a targeted offer with a Unique ID number specifically linked to me. This was not a general offer to which I applied to. After meeting the conditions of the offer, the credit card informed me that I did not qualify for the offer. How could I have not qualified for the offer if I was targeted with a Unique ID number. The credit card company would have had all information on me considering that I have been an American Express card holder since XX/XX/XXXX and would know of all credit cards that I have had since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to XXXX XXXX to remove me as authorized user on 2 cards. I never used these accounts and made aware by the account holder of their request to have me removed as authorized.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I tried to fix this issue, XXXX address is a non-existing address, the other is a XXXX XXXX . I tried to open a TransUnion service account it's going nowhere 's The people on the phone are not in the XXXX and know very little XXXX they said they need my address. I gave it to them, it's been the same for XXXXyrs. Furthermore, I get put on hold hang up or silent call, it goes nowhere. I don't think they understand you and they're trying to get a translator. Not only that, but I just wanted to correct an address on my credit report that was wrong. 
Is there another way I can dispute my credit report with TransUnion

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 2017-12-12
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: Public record information inaccurate

Complaint:
I am aware that you may have totally disregarded my letters or have failed to carefully review my letter due to the high volume of requests EQUIFAX receives daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
I am aware that you may have misplaced my letters ; tossed my letter to the trash can ; or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily OR SIMPLY better yet EQUIFAX does not have a suitable person on staff that can read letters in ENGLISH!! If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Please investigate these three inaccuracies appearing on my credit report Public Records as there are DUPLICATES and remove at least two of the three PREFERABLY remove all three since XX/XX/XXXX expired on XX/XX/XXXX ( per FCRA - XXXX shall only be reported for up to Seven Years ) See Excerpt on next page : BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX Please attached copy of Petition XXXX and Petition XXXX which were filed under the Original Cause No. XXXX requesting permission to sell properties protected by the Bankruptcy ( which was granted AND sold ). 
The perception EQUIFAX Credit Reporting indicates that I filed Bankruptcy three different era when I fact only I file Bankruptcy once in XX/XX/XXXX, not three times as being indicated on EQUIFAX Credit File! 
If my claim above is disputed by the Bankruptcy Court, please provide me with a copy of any viable evidence s ( submitted by the Court ) so that I may elevate this matter with Consumer Financial Protection Bureau ( CFPB ). Otherwise, please delete all three very old account from my Credit File ( beyond Seven Years Limit ). 
I trust XXXX will avoid perceptions of acting in bad faith, and will continue to comply with the Federal Trade Commission ( see 15 USC 41, et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: TX
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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, 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 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 relating 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 explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX. XXXX XXXX 15 U.S. Code 1681c-2, 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Delete These accounts IMMEDIATELY! 

XXXX XXXX XXXX. Account # : XXXX XXXX  XXXX XXXX XXXX. Account # : **** XXXX XXXX. Account # : **** XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( collection account ) Account # : XXXX XXXX XXXX XXXX. ( collection account ) Account # : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION to the consumer which it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am DEMANDING the deletion of the accounts listed above 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 2023-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Tried transferring money via XXXX to another account. My bank refused to make the transfers. I sat on hold for 1.5hrs and was told by 3 reps that it was " fixed ''. It never was and I'm not able to transfer money out of my account. This is causing personal accounting errors because my bank offers XXXX. It appears they are constructively making it very difficult to use so that I won't use it. They said they will block transfers in the future with no reason.

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 2023-04-14
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I placed an order on XX/XX/2022 at happycards.com, which is serviced by BlackHawkNetwork, for 10- {$500.00} XXXX XXXX XXXX egift cards, for a total purchase price of {$4700.00} after the use of a coupon code. I never received a confirmation email, never received the egiftcards, but my XXXX credit card ending was charged for the full amount. I have called various customer service phone numbers listed on their website, always being rerouted to someone else and all attempts to talk to someone who can help have been futile. I have gotten nowhere with either receiving the giftcards I purchased, or getting a refund for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: IL
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:
I paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.

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 2017-12-12
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I 'm currently in chapter XXXX bankruptcy. My mortgage was serviced by XXXX  Transferred to Caliber Home loans.On XX/XX/XXXX I received a notice from XXXX that I missed 16 mortgage payments for my first mortgage.I called and spoke with a customer service and he explained to me my payments for the first mortgage we 're incorrectly applied to the second and they would transfer the payments back to the first and all would be current. Three years later at the end of my Bankruptcy Caliber home loans my new servicer answered the final cure payment stating that I 'm not current on my mortgage and I 'm {$16000.00} behind on payments. I called explained to Caliber on two occasions and in a email for payment history from XX/XX/XXXX until XX/XX/XXXX and was told they could n't provide that for me.I also emailed them which they answered and once again in a email stated they could n't provide info for me to call them.I proceeded to call them and they stated for me to ask my trustee for any info owed I explained in detail that 's not what I 'm requesting I need the info for the Second mortgage and they refused.My lawyer also asked their lawyer and they stated they could n't get me the info requested.This is why I 'm looking for information by submitting this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: NV
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 had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in 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 explanation
Consumer complaint received 2021-11-02
Company: CFAM Financial Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I opened a vehicle loan in XX/XX/XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!

Company response to consumer: Untimely response
Consumer complaint received 2019-10-30
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:
I HAVE FILED WITH FTC, I HAVE WRITTEN ALL THREE BUREAUS, I HAVE WRITTEN THIS CREDITOR WHOM I DO NOT KNOW ... ..

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 2021-11-02
Company: Credit Corp Solutions Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today XX/XX/2021, I received a notice from Credit Corp Solutions that I owe {$940.00}, reference XXXX. It indicates the original creditor is " XXXX ''. I only charge {$78.00} for payment by XXXX, and have automatic payment on balance due. Credit Corp Solutions is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted XXXX. I have been unable to make contact with Credit Corp Solutions. I have file complaint with Nebraska Attorney General. 

Credit Corp Solutions , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 

I request that this information be blocked and removed immediately.

Company response to consumer: Closed with explanation