BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
my wallet was stolen which had my id and social security card.They got a car loan 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 2023-05-17
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 submitted a letter to the 3 Credit Bureaus to update this suspicious 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. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00}

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 2017-09-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland contacted a third party regarding an account that they claim belongs to me. The other party contacted me and gave me the phone number to whom they had been contacted by. When I called the number a representative of Midland answered claiming I owed a debt to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: EQUIFAX, 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:
ALL 3 " CRA '' REPORTED OVER 47 INQUIRIES UNAUTHORIZED REVIEW OF CREDIT FILE WITHOUT MY CONSENT, OUTDATED INQUIRIES OVER 2YRS OLD 2017, 13 HARD INQUIRIES AND 34 SOFT INQUIRIES ... ALL 3 " CRA '' VIOLATED " FCRA '' PROVISIONS 604, 607, 611 AND 623 ... .NOTE : ( EQUIFAX REPORT CONF # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: SYNCHRONY FINANCIAL
State: MN
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 this creditor SYNCB/AMAZON PLLC XXXX XX/XX/2022 for {$180.00} this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy. 15USC 1681 604 a section 2 it also states it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of 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 explanation
Consumer complaint received 2020-04-13
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: Information belongs to someone else

Complaint:
I found Bankruptcy shows on my credit on XX/XX/XXXX and other Bankruptcy same I never filing on those days XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please help me on these this days are wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CAINE & WEINER COMPANY, INC.
State: IN
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:
Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB on XX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at _ and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today, XX/XX/XXXX, three months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX  had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NY
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-09-12
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a fraud check Citi Bank did not notify me to let me know when I called to find out why I couldnt access my account I was told because someone deposit a fraud check, again Citii Babk didnt notify me I had to contact them, and I was told I should try to contact the merchant but yet Citi Bank told me when I called in they knew it was a fraud check. I paid the merchant I went through a processing process with the merchant paid them back the XXXX, and my account was closed and was told it will take 30 days or more to get my money back which is unacceptable.

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 2023-06-09
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry 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 don't have no written premission 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 and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Aldous & Associates, PLLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went in-person to cancel my membership with XXXX and signed the cancellation form effective XX/XX/XXXX. This was the only way to cancel the membership as relayed to me by the employees. The form showed no fees due for the cancellation, as I terminated this within 1 month of the next installment. On XX/XX/XXXX, I received a debt collection from Aldous & Associates claiming I owe XXXX {$24.00} for a defaulted installment contract. This is the first time I received anything in writing regarding this claim ; prior to this, I never received a notice from XXXX about this claim, and never got the opportunity to dispute this before it went to collection. 

I called the creditor attempting to dispute this claim ; however, the representative was not interested in my dispute and never offer me an option to process the dispute with them. He said I didn't cancel my membership in writing. He was insistent on trying to get me to pay the debt and threatened he'll report me to the credit companies if I didnt pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had opened this account with XXXX when I was XXXX and they gave me a XXXX party credit card with XXXX bank. XXXX then sold their company to XXXX and people got locked in into whatever this credit company is. I called almost everytime they charged me interest and charges and I had ALWAYS set up my auto pay. They kept failing and failing and I would accumulate late fees and charged.

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 2020-11-27
Company: EQUIFAX, INC.
State: FL
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:
there are 2 chapter XXXX bankruptcies on my report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  US DEPARTMENT OF EDU XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : 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 2020-07-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is still reporting that my XXXX credit card was closed when XXXX has reopened it. I have opened a dispute but experian is still showing erroneous report. My card from XXXX was closed although I paid my bill. XXXX has since reopened my account. Experian is also the only company still reporting erroneous late payment when XXXX   and XXXX do not have those on my credit report. I have submitted a dispute about this.

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 2017-09-23
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with Edfinancial by phone in early 2016 about my delinquent loans, and they offered me a period of time not making payments, followed by resumption of payments at a low amount which would increase over time. They stated that they would contact me just before the resumption of payments would begin - around XXXX. They never contacted me. I called and was told my loans were in default and being transferred. I argued, and eventually spoke with an ombudsman, who stopped the transfer of my loans and reinitiated the payment program as had been previously promised. However, Edfinancial had, in the meantime, reported missed payments for the period during which they had agreed I would not have to make payments. They refused to remove this from my credit report. I recently filed a dispute througfh XXXX and Edfinancial still refused. There are two loans and the period covered was months, so there are multiple entries and it significantly impacts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX continues to show up on my Trans Union credit report. i don't know what this company is. i need it to be deleted from my credit report now please. This is my second attempt to get this removed.

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 2021-02-06
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXX university was removed, ergo it stays that way. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was paying property taxes separate from mortgage. I fell behind 3 years @ XXXX per yr totaling XXXX. XXXX XXXX XXXX paid it and allowed me to pay XXXX over the mortgage of XXXX + current taxes + past due taxes XXXX per month starting in XX/XX/XXXX. XXXX XXXX XXXX sold my mortgage to XXXX then Green Tree is  where the problems began. Green Tree/DiTech started  utilizing those funds by forced placed insurance ( when I had insurance ). In XX/XX/XXXX DiTech would have been paid back XXXX for the mortgage back taxes but still claimed we owed them XXXX. On 2 separate occasions I have tried to resolve this issue but was not successful. Each time we filed a complaint GreenTree/DiTech would began harassment with forced placed insurance, sending court documents about suing for the house being lost in bankruptcy XX/XX/XXXX, and returning payments, paid insurance w/o permission and the following year failed to pay do our insurance lapsed. Now that DiTech is in bankruptcy I reached out to XXXX XXXX for assistance but they failed to provide any assistance. We never stopped making the payment Ditech started returning them so they could foreclose on the property. Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
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 Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A Section States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following items of information. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-09
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My loan account with BMWF is now current, it was past due and late charges totaling the amount of {$110.00} were added to it during the time the account became delinquent. I was facing a hardship and have now brought the account current, the next payment is due on XX/XX/28. I am without a phone and have been sending secure messages to BMWF in regard to payment ( s ), the last message requested a credit in late charges which are quite high, {$110.00} total if I am correct. I requested a full or partial credit in fees and was denied, the rep referred to a one time credit in the past of a late fee, which I do not recall the rep stating it was a one time credit at the time. In fact, I am quite positive the rep did not state the credit is one time. I request a partial, if not full refund of late fees since I am now currently paid up until XX/XX/28.

Company response to consumer: Closed with explanation