BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX and TranUnion have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.

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 2023-03-29
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: 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 non-monetary relief
Consumer complaint received 2022-04-04
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: Their investigation did not fix an error on your report

Complaint:
1. NO inquries were authorized by my siguture or verbal consent ; 2. Repositories have neglected to show proof of signature on either the inquiries/loan applications, which has been requested ; 3. Repositories failed to demand proof of my signaure on inquiries/applications within the allocsted 45 days ; 4. Repositiories accepted written explanation of inquiries/application without any backup to show proof even though I challened on several occassions ;

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 2021-10-18
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the week of XXXX XXXX. A creditor by the name of Credence management called me from many different numbers stating that I had a collection with XXXX XXXX XXXX. However after looking over my credit reports which showed no collection and contacting at & t I was told Im not in the system. I contacted XXXX XXXX XXXX fraud prevention and told they sound like scammers. The company also was not able to give me any type of account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-12-22
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a CARes act forbearance. I just read the terms of the agreement. The option to add the missed payments to the end of the term is not an option. They are saying that they are going to demand all missed payments on the following month ( a balloon payment after being on a financial hardship withdrawal ). My mortgage company is US Bank. Please assist ... 

They are also refusing to add any payments made to the interest during the forbearance period and only promise to apply them at the end of the term. I dont think a large bank like US Bank should be taking advantage of struggling Americans. 

And they are saying that they will begin the foreclosure process at the end of the forbearance terms are not met at the end of the term of the delayed payment.

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 2020-11-10
Company: BANK OF THE WEST
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:
Bank of the West is reporting an account to my 3 credit bureaus that is no longer my responsibility and was given over full responsibility to my x wife per our divorce decree. I have late payment report which are detrimental to my credit rating showing I Was 30 days late ( 2 ) time ( s ). Was 60 days late ( 1 ) time ( s ). Was 90 days late ( 1 ) time ( s ). I have tried to not only inform, but get this resolved with Bank of the West via telephone and by a letter I mailed disputing and explaining the situation. They have yet to rectify their mistake. 

I have attached the Divorce Decree from XX/XX/2009, the credit card account # XXXX Bank of the West is listed on Page 3 and Number 9

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 2021-11-10
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My car was in an accident onXXXX my car was towed to XXXX XXXX XXXX XXXX XXXX On XX/XX/21 the finance company Westlake Financial Services went an repossessed my I'm not behind on my carnote I've always paid my carnote on time or before time now my car is at XXXX Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX up for auction the insurance hasn't had the chance to look at my damages how is it possible for them to take my car and I'm not behind on my carnote My name is XXXX XXXX my phone e number is 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 2020-05-28
Company: EQUIFAX, INC.
State: VA
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 hired a credit repair company XXXX XXXX XXXX XXXX to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, XXXX, and Equifax credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX  , XXXX  , and Equifax have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company

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 2021-05-14
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My XXXX payment to the company was not posted correctly and I have had major problems ... after NUMEROUS calls to rectify it ... .it is now XXXX and the problems are STILL not corrected..

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 2022-04-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the XXXX data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me.

Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.

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 2017-07-07
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:
XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XXXX XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my Visa " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had XXXX credit product, a Visa card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the Visa account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account ( " loan '' ) : I provided that documentation ( "  transaction record '' ) to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, through XXXX XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX XXXX has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX XXXX XXXX XXXX. The account was closed XXXX of XXXX, yet Equifax is reporting that it was closed in XXXX XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I would like to file another Fair Credit Report Act violation against this credit bureau. On XXXX XXXX this credit bureau got a request from me for ''There method of verification '' as it pertains to a XXXX XXXX XXXX account that is reporting on my credit report. The Fair Credit Reporting Act states that the credit bureau must provide me with this information within 15 days after they get my request. To this date XX/XX/2022 more than 9 months later and I have not gotten it. All i have gotten from this credit bureau is the procedure that credit bureaus should follow when verifying an account. I recently submitted another request for the method of verification but to this date I have not gotten the method of verification. The fair credit reporting act states that if i dont get that method of verification within 15 days after the request was made then the item should be deleted from my credit report. This credit bureau has refused to provide the method of verification or delete the item from my credit report. This is one of the issues that we will use in our lawsuit against this bureau to get this item deleted from my credit report.

Kindly see file attached showing a receipt from the postal service showing that the credit bureau got my request for there method of verification but have failed to provide it. 
I NEVER GOT A DETAILED METHOD OF VERIFICATION FROM THIS CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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:
Equifax and XXXX  should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact Equifax ; XXXX  and XXXX  and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone scammed me of my money. The person who scammed me was pretending to be XXXX and sending me Emails stating if I didn't send {$350.00} to the " XXXX agent '' I would not be able to receive the payment for the shoes they were going to purchase from me. They stated in order for me to receive the money I'd have to send {$350.00} to a XXXX agent and I would be able to receive the money, the {$350.00} back, and that my account would be upgraded to a business  one. Wells Fargo has done nothing to help me with my case and denied reimbursing the money I lost. I filed a claim as soon as the incident happened and I was just informed today that they would not help me. I have all the emails and text and they did not once ask for any of the evidence, which is insane.

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 2017-10-06
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Phone was lost, unauthorized fraudulent use of card regarding a purchase for a credit card after a hard inquiry 65 points were taken away.

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 2019-06-29
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent numerous requests to a company called XXXX. XXXX and XXXX that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from Equifax, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX should not be reporting to XXXX  ; XXXX and Transunion a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.

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 2021-10-18
Company: Santander Consumer USA 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Santander Consumer located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander Consumer has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation