BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : 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 2017-12-12
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Regarding fraudulent account from Westlake financial services, XXXX XXXX, CA Dear CFPB, I am victim of identity theft. Someone got car loan with my details from Westlake financial services. I sent all my documents such as SSN card, police report, drivers license and latest utility bill, FTC complaint, ID theft affidavit to Westlake financial services to prove that I did not buy any car in last 2 years, and so did not get any car loan from any financial institution. I sent all documents on XXXX of XXXX and disputed the account. Since then I kept calling them to know the status. I might have called more than 100 times since I first I disputed the fraudulent account and each call last for 20 min to half hour on an average. They really killing my valuable time. Whenever I call them, they say it is still under investigation and not resolving the issue. Interesting thing is, car was bought on different address and they gave loan without proper verification. 
I have decided to bring this issue to your notice because Westlake is not at all working to resolve the issue. Can you please work with Westlake financial services and try to resolve the issue. I really appreciate your help in this regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have contacted self / lead bank regarding this issue. They responded to me basically saying it is what it is. I have the letter that I sent as well as the response email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Residential Title & Escrow Co
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX was not accounted for and also the settlement charges are overstated. Including the overcharges for commission fees and utility fees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TD BANK US HOLDING COMPANY
State: GA
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:
I have contact the bureau about the inquires that appear on my account but nothing has happen they i have sent letters and filed disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
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:
I have contact the bureau about the inquires that appear on my account but nothing has happen they i have sent letters and filed disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file.The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit.Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have contacted XXXX multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a XXXX member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. XXXX has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.

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 2019-04-11
Company: EQUIFAX, INC.
State: NC
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:
Equifax, XXXX and XXXX are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX, XXXX and TransUnion are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.

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 2020-11-05
Company: Experian Information Solutions 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2019-11-01
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
More than 8 years ago. I had cable services. I was having severe finacial problems at that time and I couldn't afford cable services anymore, so the cable company canceled my services. I ask if they wanted there equiment/cable boxes back and they refused to take back the equipment/boxes so they charged me for the boxes. This debt was apart of my bankrupcty. The XXXX XXXX XXXX put my account in collections and it appears they are charging me for the equipment so they are refusing to remove the debt from my credit report. The debt collection agency or the cable company changed the date to XXXX 2018 to keep it on my credit report This is not fair. Please help me in resolving this problem. Thank You

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 2023-02-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-04-11
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently had an extremely frustrating experience while attempting to resolve the card usage problems with this card issuer. A fraud security hold was placed on my card which is reasonable and happens at all times when I was making a large purchase. However, the bank was outright hostile to work with when I attempt to unfreeze the card so I can continue using it. 
* They have been refusing to call me at the phone number listed on my account during to verify the charge with me * They have been refusing to email me at the email address listed on my account * They refused to contact me at an alternate cellphone number I have provided * They have been making false and completely absurd claims about why they can not call me ( something about my phone being XXXX? 1. it's not 2. how does that matter? ) * They demanded to send a letter to my house with a crucially important verification code which is probably the single least secure of means to communicate : letters easily get lost, and can get easily intercepted. Needless to say it's terribly slow and inefficient.

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 2020-09-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on October 23, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
XXXXXXXX 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 XXXXXX/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 2019-04-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX I submitted to Wells Fargo a complete loan modification package. Three days late they denied me without even opening the file. However, on XXXX XXXX, XXXX the file was opened and underwritten and I was one piece of paper ( XXXX ) shy of getting into active foreclosure status. I immediately offered a supervisor the one missing paper but was denied. On XXXX XXXX, XXXX I filed a Chap. XXXX BK to stop the sale. My property was titled in XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing the BK XXXX I appointed XXXX XXXX XXXX, attorney as trustee of trust ( also my brother ). On the day of foreclosure I received a phone call stating XXXX XXXX, attorney 's for Wells Fargo had scheduled an emergency hearing at XXXX XXXX on the day of foreclosure. The sale ends at XXXX XXXX The hearing was a telephone hearing because I am XXXX years old and XXXX and awaiting XXXX XXXX. The four attorney 's for the bank pontificated till around XXXX XXXX before I got to speak. The bank 's attorney 's were not aware that my brother was an attorney and the trustee. The Judge made an error in dismissing the automatic stay because I had filed a Chap. XXXX Pro Se. I explained to the Judge that I would have an attorney at the next court appearance. The Judge lifted the automatic stay and ordered XXXX to cry out the sale. I had a witness, XXXX XXXX, at the XXXX courthouse and no sale was cried out from XXXX to XXXX XXXX. Also, the sale had been advertized on XXXX and was pulled the day of the sale. We think it may have been put back on XXXX for 2 minutes around XXXX XXXX The point is the sale was not a legal sale and the auction was a sham because I had investors at the court house steps ready, able, and willing to bid on the house. Using devious means at the last minute the day of the foreclosure sale CHILLED THE SALE. Only 7 days prior to the sale date I went to XXXX 's offices with a proof of funds letter to buy back the house. I have made numerous offers to buy back the house. I have filed a wrongful foreclosure suit Case # XXXX in the Superior Court of XXXX County to try to get a TRO to stop my eviction on XX/XX/XXXX. I need your help in setting aside a wrongful foreclosure. I qualitfy for a modification and even have the money ( {$450000.00} ) to buy back my house.

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 2020-11-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.

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 2023-05-18
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Paypal support is completely unresponsive. They have an irrelevant robot speaking but nothing gets done. They seem to be permanently closed- no one to speak to. They have my money but they are not sending it to me. They have stolen it. I've tried to verify my details online- I can't. I've tried to close my account- they've responded it can't be closed. They are completely evil and unresponsive. And they have my money. They should be shut down as they are completely incompetent and unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
I have mailed letters dated XX/XX/23 ; XX/XX/23 and XX/XX/23 requesting validation of the debt, however the only response I have received has been from XXXX advising that the account has been verified. I have not received any responses to the letters I have mailed requesting, the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If can not provide please remove from credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX XXXX is attempting to complete a short sale with Loancare since XX/XX/2019. XXXX XXXX XXXX called Loancare and they said nothing is needed and we will have a decision next week. XXXX XXXX called Loancare XXXX and the said to call back next week and they will email me a copy of the short sale approval letter. XXXX XXXX XXXX called Loancare and the manager said the short sale was denied because there is a 2nd. mortgage lien on title. The manager called XXXX XXXX and said that was a mistake as the loan is a 2nd. mortgage with Loancare. The file we re-opened and loancare said they will have a decision in 2-3 business days. XXXX XXXX XXXX called Loancare and they said the file is closed because it is in an active Bankruptcy. I spoke with a manager and they said that is a mistake as we have Chapter XXXX Bankruptcy attorney approval to short sale. After being on hold for about an hour he said the file will be escalated for a decision, and to call back in 2-3 business days. XXXX Loancare said that the file can not be reviewed for a short sale until Loancare receives the 1st. mortgage payoff letter. After speaking with the manage again they were able to find the 1st. mortgage loan payoff letter that was emailed to them back in XXXX. He said he will send the file to the investor for a decision. The occurance of events mentioned about are just 4 weeks of 8 months of continuing mis informed updates, and many occasions of them not receiving documents but then after further review they eventually find the documents they said they don't have. Can someone please help Loancare follow short sale guidelines.

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