BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not 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 non-monetary relief
Consumer complaint received 2021-02-03
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:
This was a XXXX XXXXXXXX bill from my college days. It was the responsibility of my roommate and I don't know how or why my information is on it for them to say I owed money. I called the company about it and the rep I spoke with said it would be removed if I paid it in full. They lied!!!! Its still on my credit.

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 2023-08-23
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX - purchased used car. Paid {$1300.00} down for a XXXX XXXXXXXX XXXX on same day. Was told by the finance guy, XXXX XXXX XXXX  XXXX - XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, fl ) that payments would be once a month ( I am a retired veteran who only gets paid on the first of the month ). I agreed to a {$9000.00} price on the car while perusing the car lot. I went to see XXXX at this car dealership because Ive known him for 20 years and purchased from him before. 

XX/XX/XXXX- was informed by mid-Atlantic financial that my loan was sold to them and to check my contract - that the car was now {$16000.00}. ( After paying with interest - total will be {$24000.00} ). I also was informed that payments would be every other Saturday- which is not the way I entered into the agreement at the car establishment. I realized that the best course of action would be to get payments once a month- so that I could honor a car deal and pay on time. 

XX/XX/XXXX - payment was due. I made a {$270.00} payment on XX/XX/XXXX. Found out there would be an additional {$6.00} charge on each and every payment I make. Now the total is XXXX. 

XX/XX/XXXX - made another payment of {$270.00}. 

XXXX XXXX I spoke to XXXX from XXXX XXXX  and asked him to please rewrite the contract to reflect once a month payment. He hung up. Since, he has not answered 15 calls to his business or returned my calls. 

XX/XX/XXXX - mid Atlantic financial is hounding me for another payment and as a retired veteran - I do not receive payment until the end of the month. Im facing penalties and no one will help rewrite the contract so that I can make my payments on time. 

Ive offered to return the vehicle to XXXX XXXX  ( XX/XX/XXXX ) after finding bug infestation, broken lights, faulty brake system with warning lights that wont turn off. XXXX XXXX said it would be a voluntary repo without any return compensation of the {$1800.00} paid to date on the car. ( 4 weeks of use at that date ). 

My car registration has been held hostage for 4 weeks without a phone call to arrange pickup from XXXX XXXX. Again - no one will return my call - or answer. 

Im asking that contracts be written according to the terms that I laid out - and XXXX agreed to. This is swindling a consumer. I have paid {$1800.00} towards a vehicle I have only owned for 6 weeks, over 10 years old, faulty, and need the help of someone from government to help me get results from either or both companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
PNC posted directions it was working to resolve issues. But was not. It then suggested I contacted branch officers when appointments were made via a portal that expressly said Based on our review, we believe there are discrepancies that we want to work with you to remedy. 
they never worked at all, instead asked for reports it took hours to produce then failed to reply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Account information incorrect

Complaint:
There was a XXXX credit card opened in my name and was maxed out. This activity is fraudulent and I need this to be taken care of in a timely manner. According to the FCRA any inaccurate accounts/information on my report are to be removed with the proper documentation. I have never opened a XXXX card. I need this to removed from my credit report because it is negatively impacting my credit score. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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:
I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. It is essential that the mentioned accounts and details not be reported on my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of the law. Please take immediate action to remove these items. 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 2022-01-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have tried multiple times to contact Macys regarding the closure of my account. Each time I call, I am told by a customer service agent that a manager will investigate my account and call me with results within 3 business days. And I never receive a call. I have told them I am happy to make the payments once someone resolves the issue at hand build no one follows through. My Macys account was closed by the store because they claim I called in and demanded they close my account. I promise you, if there was such a call, it was not me. I have had it with Macys and their lies. I need them to open my account back up and take these lies off my credit report once and for all. AND HOW CAN THEY CLOSE MY ACCOUNT IN XXXX IF IT WAS CLOSED THE MONTH BFORE. The customer service is terrible. The follow through is garbage. All I asked was for someone to listen to the call that was made in XX/XX/2021 when I supposedly called in. If anyone does that, they will clearly see it was someone pretending to be me. But they probably lied about that too! This needs to be fixed because I have worked too hard at rebuilding my credit just to have it destroyed over a companys lies!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-03-14
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 at XXXX I received an email stating my phone number on my account had been changed to XXXX. I received three emails subsequently notifying me of new logins starting at XXXX by device XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX by device XXXX XXXX in XXXX XXXX, FL, and a final notice XXXX XXXX by device XXXX XXXX in XXXX XXXX XXXX, FL. At XXXX, {$3000.00} was transferred from my savings to checking account. A payment of {$1900.00} was transferred to $ XXXX and a second payment of {$980.00} was made to $ XXXX. These transfers were not authorized or approved. I do not know how these people were able to access my account, but a representative within the company confirmed to me yesterday that my money has been transferred to another Chime account. I dont understand how I can be held responsible for a security breach on their end. After filing several complaints, including with the police and the FBI, and reviewing the XXXX I have discovered this is common within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: DISCOVER BANK
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:
In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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 file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX XXXX is included in my bankruptcy case which is not supposed to be, I contacted XXXX, Equifax and XXXX  and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Personal information incorrect

Complaint:
I am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date, and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. The only name I go by is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. The only residence I reside at is : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent accounts appearing on credit report. 

1. XXXX XXXX 2. 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 non-monetary relief
Consumer complaint received 2023-08-24
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
U.S. Auto sales  closes down and transferred their accounts to Westlake Portfolio Management and it has been a mess. They stopped paying the company that providing the extended warranty that I paid extra for as well as GAP and Westlake does not honor that. They also added time and extra money on to my loan despite having paid on time or extra money over the almost year that i had the vehicle. Westlake calls all day demanding money but can not provide with a contract nor details about the warranty, GAP, or why my loan amount has gone up drastically as if I hadn't made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 ( Original creditor : XXXX  ) XXXX Balance : {$3400.00}.

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 explanation
Consumer complaint received 2020-01-08
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:
The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-08
Company: CCS Financial Services, Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IA
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:
Please see attached documentation as it details my issues and dispute with Experian. I will attach my ID so that you don't send me that stall letter asking if a credit repair company is assisting me. This is me sending my own dispute and complaint. Please help me with 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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 partner and I, are not married. My partner and I attempted to obtain a loan together. This was in XX/XX/2023. The loan application was not approved. It was advised my credit was the issue. My partner obtained a loan on his own. 
However, my partner and I wanted both of us on the loan. My partner went to the establishment on XX/XX/XXXX to discuss future loan prospects. Stating to the finance/compliance officer that we discussed financing options and wanted us both to be on the loan. Not necessarily to obtain a loan through the establishment. I was not present at this meeting. The finance/compliance officer then pulled my transunion credit report, showing my partner my credit report and discussing specic items, i.e. My student loans, and my credit score. This was done without my permission. Yes, I had applied for a loan, however I was denied. Thus ending any need for this establishment to have access to my credit report. As I stated, I was denied. My partner and I had discussed obtaining a loan together but had not signed any additional or new applications.

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