BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 I was shopping for a new phone and responded to a seller on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsince been removed ) After negotiating the price, the Seller created a XXXX  tracking label ( XXXX ) and asked me to Zelle payment to " XXXX XXXX using the phone number XXXX. After 24 hours, Seller reported never receiving payment even after I provided proof from my bank. The seller then accused me of scamming them, removed the listing, and never returned my payment. I have asked my bank to reverse the payment or contact information of the seller so I can pursue legal action against the individual. I have also filed a complaint with & against Zelle directly, with no response. My Bank ( XXXX ) denied my refund, stating " The transaction was completed successfully ''. Right now, {$650.00} has been stolen from me and I have no recourse against the thief!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In trying to settle my credit card debit with this company they make it purposefully difficult and did not offer fair settlements

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 2023-11-20
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
So Hunter warfield INC has been posting things on my credit report file and sending me mail to my house and emails, saying i owe a debt of which i dont not. also ive attempted to dispute it with them and i have had no success. also it told me it was closed and reopened, which indicates to me that it is a sold debt. so in any case it shouldnt be on my file in the first place. could you please remove it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX Dear CFPB, On XX/XX/XXXX I bought my leased XXXX XXXX XXXX and financed it through the XXXX XXXX XXXX XXXX. 

VW XXXX was to send my credit union the title so that a change the lien holder to XXXX XXXX XXXX XXXX could be made. 

On XX/XX/XXXX my credit union received a title from VW XXXX that turned out to be " inactive. '' My Motor Vehicle agency informed me that my credit union needs to be given the current title which is Title No. : XXXX with Control No. : XXXX and VIN : XXXX. 

This title needs to be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have attempted numerous times to contact VW XXXX  by telephone and no one picks up the phone, all I get is eternal hold verbiage. 

My credit union needs the title to this car so that I can have my Motor Vehicle agency record XXXX XXXX as the new lien holder. 

Please help me acquire this title from VW XXXX. 

I will include the contact information that I have on file for VW XXXX. 

VW Credit XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX. 
Compliance Consultant - VW Credit ( XXXX ) XXXX NOTE : I visited the BBB website and discovered that there are hundreds of fellow VW XXXX holders who are experiencing the same lack of cooperation and communication from VW XXXX. 

https : XXXX Kind regards, Pastor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts identified in the attached file are a result of identity theft and do not relate to any transactions made by me. The identified accounts also contain information solely as to transactions or experiences that should be excluded from any consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: ACIMA CREDIT, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea nor have I opened an account with Acemia. It is now being considered charged off on my credit. I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
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:
IN THIS COMPLAINT YOU WILL FIND A DISPUTE I MAIL TO EXPERIAN DATED XX/XX/2023. ON XX/XX/XXXX EXPERIAN RESPONDED WITH A LETTER SENT DIRECTLY TO ME STATING MY DISPUTE LOOKS SUSPICIOUS AND THEY DONT BELIEVE IT WAS FROM ME. SO I AM FILING THIS COMPLAINT AND SENDING MY DISPUTE THRU MY CFPB ACCOUNT THATS BEEN VERIFIED AS BELONGING TO ME XXXX XXXX. THIS WILL LEAVE NO QUESTION OF ORIGINATION OR AUTHENTICITY. 

HERE IS A DIRECT QUOTE TAKEN FROM THE LETTER WE RECEIVED A SUSPICOUS REQUEST IN THE MAIL REGRDING YOUR PERSONAL CREDIT REPORT AND DETERMINED THAT IT WAS NOT SENT BY YOU. SUSPICIOUS REQUESTS ARE REVIEWED BY EXPERIAN SECURITY PERSONNEL WHO WORK REGULARLY WITH LAW ENFORCEMENT OFFICIALS AND REGULATORY AGENCIES TO IDENTIFY FRAUDULENT AND DECEPTIVE CORRESPONDENCE PURPORTING TO ORIGINATE FROM CONSUERS. 

IN A EFFORT TO SAFEGUARD YOUR PERSONAL CREDIT INFORMATION FROM FRAUD, WE WILL NOT BE INITIATING ANY DISPUTES BASED ON THE SUSPICIOUS CORRESPONDENCE. EXPERIAN WILL APPLY THIS SAME POLICY TO ANY FUTURE SUSPICIOUS REQUESTS THAT WE RECEIVE, BUT WE WILL NOT SEND ADDITIONAL NOTICES TO YOU THIS IS A STRANG ASSUMPTION BEING THAT ALL MY VERIFICATION DOCUUMENT WAS ATTACHED TO MY DISPUTE. THEN EXPERIAN GOES ON FURTHER AND STATES THEY WILL NOT INVESTIGATE ANY FURTHER DISPUTES FROM ME. THIS IS OBVIOUSLY AN ATTEMPT BY EXPERIAN TO VIOLATE THEIR DUTIES TO DO A REASONABLE INVESTIGATION. SEEMS AS IF THEY WOULD PREFER ME TO CONTINUE WITH A CREDIT REPORT FILLED WITH INACCCURACIES INCLUDING MY ADDRESS. THIS ONLY SERVES EXPERIAN BOTTOM LINE AND PROFIT. 

LASTLY EXPERIAN IN THE LETTER RESPONSE IS DOING THEIR BEST TO FORCE ME TO DISPUTE ONLINE AND BY PHONE, OR DOCUMENT UPLOAD, WHICH BY THE WAY DOESNT UPLOAD. I HAVE A RIGHT TO DISPUTE BY MAIL AND ASK FOR A RE-INVESTIGATION OF ACCOUNTS THAT ARE IN-ACCURATE AND INCOMPLETE BUT EXPEIAN IS REFUSING ME THE CHANCE TO DO SO. ALL DISPUTES ARE WRITTEN, TYPED AND AUTHORED BY ME. EXPERIAN NEEDS TO STOP VIOLATING MY RIGHTS UNDER USC 1681i AND PROCEED WITH MY ORIGINAL DIPUTE THAT IS ENCLOSED I THIS COMPLAINT AND ALSO BEING REMAILED. THEY ARE STILL UNDER THE ORIGNAL 30 CLOCK AND ONLY HAVE THE REMAINING DAYS TO COMPLETE. ATTACHED TO THIS COMPLAING IS A COPY OF THE LETTER FROM EXPERIAN STATING THAT THEY VIOLATED MY FCRA RIGTHS AND WILL CONTINUE TO DO SO. ALSO ATTACHED TO THIS COMPLAINT IS COPY OF ORIGINAL DISPUTE FOR EXPERIAN TO PROCEED SINCE THE CLOCK IS STILL RUNNING ON THE ORIGNAL 30 DAYS. EXPERIAN ALSO NEEDS TO STOP BLOCKING MY DISPUTES AND TO TAKE OFF THE FILTER ON MY ACCOUNT PROHIBITING ME FROM DISPUTING IN-ACCURATE AND INCOMPLETE 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 non-monetary relief
Consumer complaint received 2023-08-16
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:
Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX  sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX  when I already showed them proof of this account was no mine

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 2023-07-01
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase through XXXX for a XXXX XXXX trip in XX/XX/2023, this was charged on my Barclay Aviator Mastercard - XXXX. 
- The flight was cancelled on XXXX XXXX and I requested a refund via XXXX for {$430.00}. 
- XXXX declined to refund so I filed a complaint with Aviator Mastercard to dispute charge on XXXX - XXXX XXXX has refunded XXXX for this purchase on XXXX - XXXX XXXX XXXX Consumer Affairs notified me of event on XXXX and this communication sent to XXXX  - Another dispute sent to Aviator Mastercard o n XXXX - 3rd dispute sent on XXXX after Aviator Mastercard said they did not received documentation - XXXX states Aviator Mastercard is not helping facilitate the refund - XXXXXXXX Aviator Mastercard letter stated 'despite their best efforts they are unable to obtain credit from XXXX I sent all documentation ( XXXX pages ) to XXXXXXXX XXXX XXXX  and Aviator Mastercard . I request this charge to be refunded in its entirety for {$430.00} and XXXX and Mastercard can resolve amongst themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  opened XX/XX/XXXX with Equifax shows a delinquent payment in XX/XX/XXXX. The bank has sent documentation stating that they want to update the payment history due to incomplete in an accurate information. I am attaching the original letter from the bank, that agreed to delete the information. Please update the balance to the correct balance, and remove the late payment and update the payment history to paid never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but TransUnion and XXXX still reflect the late 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but XXXX and Equifax still reflect the late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Several accounts that show up as closed are on my credit reports that aren't mine. The following accounts are : 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 2023-10-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I got a new home. The loan did not start until XXXX. My loan was sold to another debt collector, so I setup autopayment in XXXX. My first payment did not go trough for XXXX. I spoke and they said no worries, just make a manual payment for XXXX. I did on XXXX and said maybe your loan autopayment won't work so you'll need to setup another payment. I went to verify the next week and my balance was at {$0.00} due. In the month of XXXX, I receive a call from their debt collector asking why I haven't paid. I explained them my story and issues. She goes and checks my account and see 's I have a {$0.00} balance and says never mind I do see that. I'm not sure why you were on my list. I checked on XXXX to confirm I wasn't late and again saw {$0.00}. Then when I went to check on XXXX, I saw I had a balance for the two months of XXXX and XXXX. I tried to make sure I was up to date and was told multiple times. Now I have a late delinquency and double the mortgage to pay based off their mistake. I was on hold for hours and was told no resolution. To just pay the full amount.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 


Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report. 

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good morning, XXXX XXXX is illegally reporting to my credit report. The account was opened without my knowledge and has since been reporting negatively to my credit report. 
In XXXX of XXXX, I realized I was a victim of Identity Theft and have since been on a mission to rectify these accounts. 
One of the accounts is from XXXX XXXX. When I notified them that the account is opened fraudulently, they said that the account is verified. 
XXXX XXXX went and updated their outdated info with my current data to make it seem that the account was verified and I have proof. 
After hours of bombarding a customer service rep, I have the original contract that was signed with XXXX XXXX vs their edited one. 
I know for a fact that they edited this contract because I moved to my apartment in XXXX and acquired a different phone number in XXXX ( the ones on the edited contract ). 
The only reason I got the original contract was because a customer service rep felt bad over my situation. 
It's impossible that in XX/XX/2023, I included an address and phone number that wasn't active until XXXX of that year. 
I have shown them multiple versions of evidence such as identity theft reports from both my local police AND the FTC and yet they still say this account is verified. 
What they're doing is illegal and they should definitely get in trouble for it. 
It isn't fair. 
I have attached both the ORIGINAL contract and their EDITED one, my lease that proves that I started living in my apartment in XXXX of XXXX  ( which means I wouldn't have put that address in XXXX of XXXX  ) and a pdf proving my identity. 
I have also included a voice recording of the " verified conversation '' between me and a customer service rep. 
If you listen to the audio, the person verifies the address from the original contract NOT the edited one therefore proving that XXXX XXXX illegally edited their contract to seem like I was verified. 
Please have them cancel this account, discontinue reporting to the credit bureaus and get them in trouble for the illegal activity they're doing. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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:
My name is XXXX XXXX.. DOB is XXXX.. address is XXXX XXXX XXXX, XXXX , AL XXXX . I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

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 2023-11-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 applied for a Business Line of Credit ( BLOC ) with Seek Capital sometime ago. The Rep I spoke with ; XXXX, asked for my social security number to check my credit and see if I qualify for the BLOC. Once he saw I had great credit he then said that because my request for the BLOC was so small, he felt it best that instead of me having a BLOC he would instead apply to numerous credit card companies for me. By doing so I would have a number of credit cards that I could pull cash from. When I objected for various reasons he said he would transfer me to someone else who would provide information on a BLOC. However, now I see a number of new inquiries on 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