BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

OnXX/XX/XXXX I spoke with XXXX XXXX of XXXX XXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Millco Management
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: WA
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:
I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: NJ
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 world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting 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 2023-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Fair Credit Reporting Act states that it is EQUIFAX 's grave duty and responsibility to report correct and accurate information on my credit report and file. However, they are NOT doing so. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. These inaccurate late payment include XXXX days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to XXXX U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EQUIFAX written instructionXXXX permission to furnish the late payments on my credit report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: DISCOVER BANK
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:
Discover has been removed from my XXXX credit report. I have contacted XXXX, XXXX, and Discover. They keep telling me that they have verified it. How? How are they verifying it when XXXX removed it off my credit?

Discover keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account.

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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: Information belongs to someone else

Complaint:
Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The lender XXXX has been paid in full. Keeps reporting in accurate information on my credit file.

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 2019-04-15
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a notice was dated that stated my mortgage loan had been transferred effective XX/XX/XXXX and that a new servicer would be collecting payments. I was unaware of this when I submitted my payment for XX/XX/XXXX to my orginal servicer. I called the original company on XX/XX/XXXX because I noticed my check had not cleared and was told that it could be mailed back to me due to the transfer. I received 2 return fees from my bank on XX/XX/XXXX and XXXX for {$32.00} each subsequently because I pulled money from the account as I believed the check would be returned to me as was stated and I would write a new check for the amount due to the new servicer for XXXX and XXXX. 

When I called the new servicer Specialized Loan Servicing on XXXX to determine if they had the check they would not tell me if they attempted to cash the check twice that was addressed to XXXX XXXX. Further they were very hostile and threatened to put me into foreclosure. Additionally the supervisor said my loan was late although the transfer notice stated it would not be treated as late. I simply tried to figure out who attempted to cash the check between the two and I felt that I was in a game of not me which I feel is a violation of my rights as a consumer to be treated fairly and be provided information. I simply asked for a credit or refund of the fees and for my credit to be reflected accurately due to the failure of these two creditors to transition the loan in a timely manner. To date this check still has not been cashed nor returned to me and I would like to make this complaint regarding the bullying I endured and attempted scare tactics and request a check in the amount of {$65.00} be disbursed to me from Specialized Loan Servicing.  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 2020-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started the refinance of our house with WellsFargo back in XX/XX/2020. 
The re-finance was approved, processed, and closed on XXXX XX/XX/2020. 

However, 1. The final numbers on the final statement provided by the escrow company do not match the numbers provided by Bank. We have raised the concerns multiple times with the gent of the bank ( will refer to as " the bank '' ), but the bank did not provide help clarifying the confusion and mismatch of numbers. 

2.there are 500+ USD pre-paid credit card charges ( for appraisal, but later waived since they accepted our previously provided appraisal report ), which should have been refunded in late XX/XX/2020, never refunded ( as of mid-XX/XX/2020 ). The bank agent is not helping give explanations. 

The above mismatches and refund issues were not helped by the bank mortgage agent. The issues remain for 3 months and counting. It made us feel the bank is not properly handling our case and made us lost confidence and trust talking to the agent, which is the only interface that has the context of our case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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

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 2021-04-05
Company: Experian Information Solutions Inc.
State: WA
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 have been completely unable to access my credit report through Experian ( or literally any other company/avenue, including other credit report agencies and my bank 's services ). XXXX XXXX was unable to tell me anything about what the issue is. 

When I try to get my report from Experian on their website, it first asks me for my general info. Then I get sent to another screen asking for additional info to confirm my identity. After I supply the additional info I am given an error message saying that there has been a technical issue. This same ordeal happens with any service I use to try and access my report. I have had this issue since I started trying to get access to it last year ( XX/XX/XXXX ). 

I have sent a letter to Experian to get this resolved ( XX/XX/XXXX ), but I am growing impatient and am not even sure if they will respond to my letter. I am DESPERATE to at least figure out WHERE I need to go to learn more about and fix this issue so I can access my credit reports and get my life back on track. Please help.

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 2023-07-26
Company: Westlake Services, LLC
State: OR
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:
I have applied for cars few times and westlake bank pre aproved me and I was aproved for {$150000.00} credit limmit with no money down and now they are trying to make me pay a down payment. 
The problem is I'm being discriminated against because of my credit score. And if the want me to pay a down payment they have to make everyone els pay the same down payment or they're breaking consumer credit laws. 
15usc1662 15usc1602 12cfr1002 15usc1691 15usc1601 15usc1681 12usc 408 Cause they ilegaly got my credit score and ssn and did not give me any benafits, that's credit card fraud. 
I warned them and gave them every opportunity to obay the law and I'm giving you cfpb one more chance to do what your supposed to do or ilk be filing charges and lienes on you. Do your job please and put them in their place. Don't be a trader to america cause some people don't XXXX around

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 2023-02-21
Company: EQUIFAX, 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:
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, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$61.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
American Express serve emails me and say that my disputes that I have filed for XXXX USD that they r not liable for cause I violated a customers rights and had to many other cards that's not my fault that people have had cards in my name and they put my funds on someone else card and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
CAPITAL ONE BANK USA - **** Opened Date XXXX XXXX, 2019 Balance {$0.00} I am concerned about the applicability and consistency regarding your new research as well as the late payments pertaining to this specific account and exactly how it is reporting on my credit report. Around 45 days ago I called for an inspection for the reason that I felt the item seriously isn't being documented just recently. To my shock I was given a notice stating that your assessment was fulfilled and that the item had been " confirmed as appropriate. Below Section 1681 ( g ) please make sure to create me personally with a description of the approach designed to ensure the account is " exact '' and post me the name and addresses of persons got into contact with per laws based in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Account information incorrect

Complaint:
I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to Experian or 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