BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
my name is XXXX XXXX XXXX XXXX, i'm buying a house and when they went to check my credit, they informed me that they would have a truck financing in my name at a financial institution called westlake financial service. I tried in every way to show that this was a fraud, but they did not remove it from my credit. 
I have my social security for just over 1 year, so it is impossible for me to have introduced it in the purchase. I never bought a truck, I never signed any contract, this debt is not mine.

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 2020-10-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I share an account with my grandmother. On XX/XX/2020 my grandmother called me and stated someone called her and told her she won XXXX ' XXXX and he had a lot of her personal information. I immediately called SunTrust Fraud department and told them I felt someone was phishing and her information could be compromised. I told them I suspected potential fraud and please put an alert on the account. I told them we only bank in person and would never use electronic banking. On XX/XX/2020 Sun Trust allowed a check for {$100000.00} and {$14000.00} to be created and sent out from a an online profile that we did not create. I have hired an attorney and we were able to get {$95000.00} of the funds, but no one from the corporate level will return my calls regarding the the remainder of the funds.

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 2018-11-28
Company: KLS Financial Services, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
KLS FINANCIAL SERVICES INC violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. KLS FINANCIAL SERVICES INC added a collection to my credit reports without my knowledge. I have never received any written correspondence from this company at all. KLS FINANCIAL SERVICES INC reported this collection to XXXX, XXXX, and XXXX. For the amount of {$170.00} and {$400.00} Opened on XX/XX/2014. This is invalid, I have no knowledge of where this comes from. I have not received any written correspondence from the original creditor or this company. KLS FINANCIAL SERVICES INC put a collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I HAVE NO CONTRACT WITH KLS FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: OK
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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are XXXX XXXX XXXX acct XXXX and XXXX XXXX  acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect. I filed a complaint previously about the same accounts with CFPB & they did nothing but the same thing over again.

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 2018-12-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loans are calculated too high at the time at the moment I am currently {$35000.00} and more and that because of student loans I can't not get any personal loans 2 fix my credit to purchase a new car I currently do not get paid enough to make any kind of payments I think the the loan is this a lot of money. I want to know how to clear up my account back to zero without having to pay any monies if possible so that I can go and get a career

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to your agency after the XXXX XXXX XXXX  response. They told me that you are collecting a debt on their behalf. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Radius Global Solutions has violated my rights as a consumer and I requesting legal action to remove this account 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 2018-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Account information incorrect

Complaint:
Hello, To whom it may concern : The following accounts below have been disputed with the major credit bureaus and the original creditors because the details attached to these accounts are incorrect and inconsistent between bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: DC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Account status incorrect

Complaint:
there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the XXXX  data breach.

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 2018-11-28
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I visited the XXXX XXXX ER for a XXXX XXXX. In XXXX I was approved for permanent XXXX and they paid all my old hospital debts. There were more than XXXX and all were paid. I submitted this information to the hospital and XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. I have spoken to XXXX XXXX several times but they continue to report to the credit bureau. Please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Smith, Rouchon and Associates, located in XXXX, MS is constantly harassing me at work. They call my job at least three times weekly. I have sent a cease and desist letter but yet, they continue to call my job. The alleged medical debts that they say I owe is only being reported to XXXX and XXXX. XXXX only has one of these alleged medical debt and Smith, Rouchon and Asso.  continues to " verify '' the debt collection, every time a dispute the item. XXXX has verified all five of the alleged medical bills and will not remove them nor provide me with proof of how they allegedly verified these medical bills. I have also told Smith, Rouchon and Associates that they are in violation of FCRA, FDCPA and HIPPA but the last CSR stated that she do not care and that I better pay or else. I am about to lose my job because they will not stop calling my job!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
I've tried to retrieve my credit do data matches. Also I've tried to set up gas and electricity but I've had to pay large deposit amounts because they can't find me with the credit agencies in particularly Experian. I've sent my Picture ID 's Social Security and other identifying documents and I just can't seem to be able to resolve this matter. I set up XXXX XXXX  and they also dont show any information related to my score or credit history.

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 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My paycheck in the amount of {$3800.00} was dispersed to my Bank of America checking account on XX/XX/2021. I was on vacation in XXXX XXXX from XXXX XXXX XX/XX/XXXX. My first attempt to withdraw {$300.00} in XX/XX/XXXX was denied and my card was locked. I called BOA and notified them that I authorized the transaction and that I would be in XXXX until XX/XX/XXXX. After that, I was able to successfully withdraw {$600.00}. When I went back to withdraw more cash ( amounting to {$2300.00} XXXX, all attempts were Denied and a message to contact my bank was displayed. When I checked my bank activity, all the attempts were withdrawn from my account even though they were denied by the ATM. 
By this time it was midnight and technically XX/XX/XXXX and all Bank of America customer service branches were closed so I couldnt get the help I needed. If my partner wasnt there, I would have been stranded in XXXX without any money because Bank of America took the {$2300.00} out of my account plus charged me $ 150+ in overdraft and ATM fees for transactions that were not successful. 
I filed a claim with them which they denied ( even though the ATM transactions showed as denied on their end as well with the money still being taken out wrongfully XXXX, alleging that this didnt occur because a pin wasnt used in the withdrawal attempts which is completely inaccurate. I cant request a uwithdrawal amount without first entering my pin so their review was poorly executed and quite frankly fraudulent. They refuse to refund the {$2300.00} so I will take whatever action necessary to have it resolved that way I can close 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 monetary relief
Consumer complaint received 2022-08-09
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
was to have forbarance in 2016 till i got on my feet but before i knew what happened it was transfered and the reported negative on credit reports it over 14 yrs old and have not been notified to what office its in, to even have a chance to make payment to clear it up,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from Trans-union, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.

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 2021-06-07
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime or XXXX  XXXX  is where I had three accounts with and they close all three of them without returning any of my funds and said I can I have a refund or have access to my money. They said it was due to fraudulent deposits that I did not make it was my mortgage company and they already took care of it. Both parties spoke already yet chain still closed all three of my accounts and will not issue a refund of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the XXXX  data breach.

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