BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
This is what happened with first company XXXX sold to new company and never received notification via mail they are adding g insult to injury doubling the price again read below also refuse to provide agreement with company : Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by XXXX XXXX XXXX, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and XXXX XXXX to investigate the validity of ownership to the debt from XXXX. XXXX XXXX continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: SC
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:
There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
Consumer XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XXXX XXXX NA # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my 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 non-monetary relief
Consumer complaint received 2020-11-18
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i bought this car on XX/XX/XXXX I thought I have a fixed rate but it keeps rising and it doesn't show what the rate is on the statement if it has changed or not .on my XX/XX/XXXX statement my due date is XX/XX/XXXX 2 months later. so hold my principal until the due date charging me more interest. even when I make the payments early I'm 2 months early. but still, have XXXX dollars in extra interest fees with misleading and changing information for regional acceptance corporation. I made payments of XXXX on XXXX and XXXX XXXX but my payment credit date shows XX/XX/XXXX charging me XXXX in interest. does not show a breakdown of payments and is misleading at best

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
You have violated various laws under the FCRA, and I am looking into seeking litigation as you are not taking my disputes seriously. 
FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. 
FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment XXXX different years, Balance update Instruction : Please update payment history current/never late or deleted the account The list of inaccurate information : TransUnion mail dispute results on XX/XX/XXXX. The investigation results verified as accurate XXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 120 days late XXXX XXXX 120 days late Transunion Date of last activity XX/XX/XXXX Transunion Balance updated XX/XX/XXXX XXXX email results on XX/XX/XXXX, the investigation results verified as accurate. They added a late payment XXXX XXXX  90 days late XXXX XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX 180 days late XXXX Date of last activity XX/XX/XXXX XXXX Balance update XX/XX/XXXX PLEASE SEE ALL ATTACHED DOCUMENTS!!!!

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 2020-07-05
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: Information belongs to someone else

Complaint:
I am a victim of identity Theft someone is using my personal information with out my Authorization

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 2021-02-23
Company: Carvana Group, LLC
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Went to the Well Wells Fargo bank today to get {$50.00} out of the bank and then and they told me that my account was closed and that I had a XXXX balance and I asked him why I have XXXX balance in my account was closed they couldn't tell me they told me you're making an appointment with the banker and come back on Monday I asked him where my {$300.00} went and they said there was a debit for {$300.00} and I said there can't be because I didn't make no debit for {$300.00} there are not believing me and anyway so I called the XXXX number tonight and they said they were going to they put a a suspected takeover account form and on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 checked my credit report before I go and apply for a secured credit card and i notice some accounts and inquiries on my reports that aren't mine. 
XXXX shows 1 ) XXXX XXXX  opened in XX/XX/XXXX for {$900.00} 2 ) XXXX XXXX XXXX  opened in XX/XX/XXXX for {$300.00} 3 ) collections from XXXX XXXXXXXX XXXX XXXX  inquiries on XXXX 1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX Transunions shows 1 ) XXXX XXXX  {$900.00} 2 ) XXXX XXXX  XXXX  {$300.00} collections 1 ) XXXX  XXXX/ XXXX XXXX  {$590.00} 2 ) XXXX XXXX  XXXX/ XXXX  {$700.00} inquiries XXXX XX/XX/XXXX and XX/XX/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 2020-12-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need the fraud alert on my Experian credit report removed. I have requested that is be removed and have not had any success. I am including in this complaint all of the identification Experian says they require to remove a fraud alert. Items attached to this complaint are a copy of my photo ID, my social security card and proof of my address.

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 2020-02-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collector 's Name : ARS ACCOUNT RESOLUTION Collector 's Address : XXXX. XXXX XXXX XXXX, Florida XXXX {$1400.00} This company has refused to verify this account as well as the credit bureau 's. I have sent a couple of letters asking them to prove that this account is in fact mine, The informations that come back to me only says that the account was " verfied ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 spoke with my XXXX XXXX account rep, and was asked several security questions to confirm my identity. The questions were about a car loan and a student loan that were opened this year. I have not opened any loans. I am actually living in XXXX for the last 5 years, my company XXXX, transferred me to their XXXX XXXX office. 

The XXXX XXXX rep told me to get a copy of my credit report, so that I could answer the questions. When I tried XXXX, neither XXXX, Transunion, nor XXXX  were able to give me the report. I have screen grabs of what the messages were and can attach. 

I tried calling all three agencies, but could not get past the phone menus to speak with a person for support. I called the Consumer Financial Protection Bureau at XXXX and they recommended that I file this complaint. 

I have a grave concern that my identify has been stolen.

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 2018-07-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At the end of XX/XX/2018, XXXX-XXXX  XXXX XXXX sent an item without authorization. That, in addition to the automated mailing had been cancelled over 6 months ago. My wife contacted XXXX and we returned the item and credit was returned. However, XXXX XXXX XXXX credit card applied a late fee after the item was returned and XXXX XXXX applied a charge also. My wife attempted to contact XXXX but they refused to talk to her, they refused to even acknowledge what was being said. 

This is the 2nd time this credit card company has applied a late fee when there has been no balance ( due to mistake and item returned ) and/or after the due date where payment had already been made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: Go Capital Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Number XX/XX/XXXX Date Generated General Account Info Account Name GO FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Repossession. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX XXXX XXXX   {$0.00} Original Balance {$12000.00} Highest Balance {$0.00} Terms 72 Months On Record UntilXXXX  XXXX I spoke with this company numerous of times about hardship before they basically rejected my payments they sent me letters constantly called me and talk with me and i communicated with them i even sent them my XXXX papers and my laid- off papers explaining to them they can give me another week i can have my payments caught up even the week before they came pick up the car they had my debt card numbers and my checking account numbers i had set up numerous of payments arrangement made arrangements with customers reps and they still sent the towing repo man out to pick my car up they told me they didnt want ant money from me unless i had the XXXX for the car in full on my old phone that got destroy. I recorded the conversation with the lady that told me i can pay half and they will give me time next thing i know the repo man was knocking on my door coming to my job i was leaving the doctors appointment getting my check up from whre i had XXXX and i even explain to him showed him that i had the money to get caught up on my payments and he said well please called them and try to work something out i want take the car this time the next day after speaking with again trying to work something out they wanted me to come up with XXXX in 24 hours thats the only way i was able to keep the car and then i try reaching out to this company they tell me sorry its under new management they dont see my account but still reporting it to the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: TN
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:
My dob XXXX, not XXXX  My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX Collection Date : XX/XX/XXXX High Credit Term {$8500.00} Balance Owed as of XX/XX/XXXX {$21000.00} Do not owe this company and have repeatedly hit my credit report every month since XX/XX/XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My dob XX/XX/XXXX, not XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address

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 2020-11-18
Company: Bread Financial 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 information incorrect

Complaint:
I have written to Victoria 's Secret on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding late payment that being reported to credit bureau. Victoria 's Secret is reporting to XXXX  that I paid a payment late XXXX  XXXX  30 days late but is reporting with XXXX that it was paid on time. They are also reporting to XXXX  that I was late in XX/XX/XXXX but XXXX  that the account was paid on time in XXXX. This information is not true the account was paid on time. The company is reporting incorrect information on my account. I have multiple account numbers but only had on account with this company. This company is reporting Account number XXXX with XXXX, Account number XXXX with XXXX  and Account number XXXX with XXXX. Then another Account number XXXX with XXXX, Account number XXXX with XXXX. This company would deleted then re add accounts to my credit report and this has been happening for the last 4-5 months. This company is reporting inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 checked my credit report before I go and apply for a secured credit card and i notice some accounts and inquiries on my reports that aren't mine. 
XXXX  shows 1 ) XXXX XXXX  opened in XX/XX/XXXX for {$900.00} 2 ) XXXX XXXX XXXX  opened in XX/XX/XXXX for {$300.00} 3 ) collections from XXXX  XXXX/ XXXX  XXXX inquiries on XXXX  1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX  XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX Transunions shows 1 ) XXXX XXXX  {$900.00} 2 ) XXXX XXXX XXXX {$300.00} collections 1 ) XXXX XXXX/ XXXX XXXX  {$590.00} 2 ) XXXX XXXX XXXX XXXX  {$700.00} inquiries XXXX  XX/XX/XXXX and XX/XX/XXXX XX/XX/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 2019-02-21
Company: Real Estate Solutions
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive tried to get inquiries deleted off my XXXX report but they are giving me a Hassel I  have no knowledge of the inquires on my report

Company response to consumer: Untimely response
Consumer complaint received 2019-05-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified '' without providing proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Advanced Resolution Services 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:
Advanced Resolution Services , Inc., This letter serves as a response to your letter dated XX/XX/XXXX. I have been seriously harmed for false credit account information ARS has provided to credit requestors listed under the section titled Credit Card Unauthorized Use Report Section. I do not recognize these false accounts and they do not belong or have anything to do with me. These accounts are listed below. My credit report was obtained illegally because the companies who viewed it did not have the right to do so, therefore, inquires and/or false accounts can not legally stay on my report per FCRA. 
The FCRA provides legal action against a credit reporting agency, or any other person or entity that violates the law, for negligent or willful noncompliance with the law within two years after discovery of the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Under the FCRA, there are provisions for actual damages, including court costs, attorneys fees, lost wages, and defamation and intentional infliction of emotional distress.

I understand that ARS may not be interested in fixing  inaccuracies because doing so is contrary to what your objectives are ; to satisfy the furnisher of the information ( creditor ). Therefore, I have requested an investigation on ARS, Inc. with the U.S. Consumer Financial Protection Bureau. 

I am requesting you ( ARS ) to investigate the following inaccurate and/or fraudulent accounts and I want them removed by suppression technology ( not blocked ) so that they will not falsely reappear :

Company response to consumer: Closed with explanation