BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started to receive phone calls around XXXX of this year XXXX from this debt collecting agency by the name of " Hunter Warfield. '' They asked me to verify my name, d.o.b., address, and social security. I did not answer to them but asked them what the call was regarding and apparently, I owe " {$14000.00} '' to them for a mortgage payment in Texas. I have never been to the state of Texas and I live in California. They refuse to give me any information as to who their " client '' is and demanding that I pay this outrageous debt. When I stopped answering their calls, they called my husband and started harrassing him as well. I recently went through this same issue with another debt collecting agency that I had to dispute with the XXXX credit bureaus because they also used my information for an apartment lease in Texas. This happened last year in XXXX. I am a victom of identity theft and my information has been around the XXXX web circulating. Despite my credit freeze and identity lock, I am still being contacted by these debt collecting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: CBC Companies, Inc.
State: OH
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:
The education loans have been completely discharged and should not be reporting over XXXX times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

-- -- -TransUnion 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 2023-11-01
Company: Experian Information Solutions Inc.
State: MI
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I request the bureau to begin an investigation into these accounts, despite my punctual payments, they are incorrectly reported as late.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2020-07-28
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Ms XXXX XXXX Wells Fargo Bank thank you for your letter unfortunately it contained no legal evidence from your Bank to prove your claim. Evidence I have been requesting from Wells Fargo Bank for the last four months since this case was brought to the CFPB. If the bank has transferred my fathers estate legally then the bank should not any problems to send me my lawyers and the CFPB the legal documents you used to transfer this estate. If the bank does not wish to send me these documents on the Wells Fargo secure email then please send them here it does not get any secure than the CFPB website. The bank is kindly requested to present the following documents so I can close this case and spare me two lawyers fees and to take the bank to court. The documents are as follows the name of the beneficiary entitled to this estate. The original death certificate you received from XXXX notarized by both the XXXX Government and the US Embassy based on it you transferred this estate. The original signed XXXX form with both signatures signed by my father and the beneficiary. The date of the estate transfer. The Oregon tax returns you filled to transfer this Estate. Please send me and the CFPB these documents to review and to close this case. If the bank will not prove the legal transfer of this estate then I will continue with the legal proceedings thank you for your understanding. 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 explanation
Consumer complaint received 2023-12-21
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Im a victim of identity theft. I became aware of this after receiving various notifications from the social security office informing me that I owe money. I decided to let my daughter know about the issue and request her assistance to help me find out what's going on. She recommended me to pull my credit report so I can review it for any fraudulent activity. Unfortunately, I did find fraudulent activity. Among the activity there is an auto loan with Westlake Service Inc. I reached out to them and provided the required documentation to them in two occasions. The first letter with enclosures was dated XX/XX/ ( see attachments ; Westlake_Letter1 and USPS_receipt_Westlake_letter1 ) and the second letter was dated XX/XX/XXXX XXXX XXXX  ( see attachments ; Westlake_Letter2_Frontpage, Westlake_Letter2_signedpage, and USPS_receipt_Westlake_letter2 ). I did not receive any response from Westlake that meet the timeline outline in FCRA 609 ( e ). Just last week I received a letter from them ( attachment ; Westlake_Letter_DatedXXXX  ) requesting the same and/or similar documents that I previously provided to them in the other two occasion. I am confused on why they are asking me for information that I already provided and paid priory mail to ensure that they received it. The Westlake letter was post marked on XXXX XXXX XXXX attachment ; Westlake_Envelope ) but I didnt receive it until last week. Additionally, they want a response with supporting documentation within 30 days from the date of the letter XXXX XXXX XXXX XXXX I am beyond words on why they are playing circles with me. I have exhausted multiple hours and money to resolve this issue with them. Furthermore, the letter they send me has contradicting information. The last paragraph of the letter states, contact me directly XXXX XXXX XXXX XXXX XXXX XXXX XXXX But the closing of the letter end with a XXXX XXXX. Two different individuals and not a single one outlines their position with Westlake. I believe this company is in violation of FCRA 609 ( e ) and possibly more. They are the ones that owe me and the current investigating officer the requested documentation that was stated in the second letter. This is why I am submitting a complaint with Consumer Financial Protection Bureau.

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 2023-12-17
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX Venmo completely froze my account leaving me stranded with no access to my money or debt card for a week. Then they refused to tell me why they froze my account and held my funds. Now on XX/XX/XXXX they have restricted my Venmo account from having fund added to it but again will not give any kind of reasons. How am I supposed to trust my direct deposites to a company they just locks you account and abilities at a drop of a hat and give no way of correcting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JeffersonCapitalSystemshas been reporting an erroneous account to my credit file for a while now. They are falsely accusing me of owing them {$1700.00}. I have never had any account with JeffersonCapitalSystems. Also, I have no relationship with them.They cant provide me with any agreement that I may have signed with JeffersonCapitalSystems simply because it does not exist.. This is clearly a fraudulent act on the part of JeffersonCapitalSystems. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. Please resolve this immediately. Cease and desist. Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT BUREU.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Transunion regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information. Through XXXXXXXX XXXX " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file XXXX XXXX XXXXXXXX # XXXX ). 

I later submitted this same information to Transunion for review ; once again they have failed to acknowledge " documentation '' from their own provider source. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Transunion ). I need copies of the documents you claim to use to verify for review only.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: CA
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, XXXX  with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount without my written instructions.

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 2023-11-22
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased car through US Auto in XXXX South Carolina. Old car was wrecked not my fault. Took 5 months to get old car totaled out. Never recieved rental reimbursement. Got new vehicle finally. Then the vehicle I got needed repairs. Sent to get fixed 5 different times. Issue never fixed. Old parts on vehicle when new ones were recorded being put on. Complaints filed. Also have had to pay additional taxes on my loan to get tag when dealer said was included in downplayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-07
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 recently received a copy of my consumer report for the first time in a long time and noticed that XXXX, Equifax, and XXXX are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

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 response to consumer: In progress