BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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:
XXXX Ad XXXX of XXXX Description 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 
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 2023-06-05
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: Account information incorrect

Complaint:
I recently checked my credit report and I noticed numerous inaccurate information accounts and inquiries these inaccurate accounts and information is causing damage to my credit report and my way of life please see the attachments included in this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am requesting that you investigate and take necessary action to remove them 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 2023-10-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit 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:
A charge for {$510.00} was made to our American Express credit card at XXXX on XX/XX/2023. 

We did not make this charge. It was the day before we left on a big trip, and we are quite confident that we did not visit XXXX on this date, nor did we place any online or phone order with XXXX. 

We gave this information to American Express, but they refused to credit the charge. No information or documentation was provided for the refusal. 

Separately, we contacted XXXX 's to ask them for an itemization of what was purchased, and they refused to give us that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
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:
On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. XXXX XXXX balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before Repo reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason. 

XX/XX/XXXX XXXX disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late payments reported on open accounts that violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. results came back as update.

Dec 23rd 2022 I disputed Capital One Bank under violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. reporting agency updated and did not remove. 

XX/XX/XXXX I disputed a public record XXXX XXXX bankruptcy XXXX reporting agency listXXXX XXXX XXXX XXXXXXXX VA XXXX as the people whom reported information to them. This was in fact falseXXXX XXXX XXXX XXXXXXXX does not share any information with any credit reporting company this is found on their website as well if you call which again violates me as a consumer under law 15 US CODE 1681A, 15 US CODE 1666B AND US CODE 1681i.

I am asking that all of these items be removed from my credit report if not i will seek legal advice on moving forth in court due to my rights being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy.

15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

We bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is the second complaint that I am writing in regards to Vystar credit union. I called the bank this morning as we got back from a cruise and they knew about it because i told them and they saw all the withdrawals and payment that was done to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My dispute was not with any of these companies. I called to dispute about two companies that stole my money for services XXXX XXXX and XXXX. I never received any items from them. I went and tried to get back my money from the first one XXXX XXXX for the {$700.00} theft and they declined the individuals and XXXX XXXX have not gotten back with me. The second company XXXX who took an amount of {$1400.00} in three different transactions And I never received anything from them. 
Now what got me is the fact that I called Vystar and waited on the phone for about 45 minutes before they answered just to ask why no one called me back and also to find out how I can get another debit card because I have two direct deposit that goes to this account my VA and Social Security XXXX and my dispute had to do with services and items I never received and did not authorize, and they also had blocked the transactions because they probably had an issue with other customers with these companies. 
We are currently in XXXX at my mothers house due to the fact my wife had XXXX XXXXXXXX and she will begin her XXXX XXXX  at the XXXX XXXX and we will not be able to go back home right now XXXX XXXX XXXX, so when they told me that my account is not able to receive a XXXX I said wow and why, the agent told me that is the note that is written in the account and that the fraud department is currently closed. The bank was closed for the XXXX and i couldnt communicate right away with them due to internet issues on the XXXX and also they were closed for sunday and monday, so early this morning XXXX the XXXX I made sure I called and spoke with the card division and they told me that they will close the cards and investigate the duispute. I am dissapointed that Vystar will go to this extreme to deny me of a card that I ask If they can send to me at my mothers house due to our current situation and again the dispute was not fault it was by two companies. 
My dispute or claim 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-01-12
Company: WELLS FARGO & COMPANY
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Back in the XXXX  or there about we took a loan out for XXXX for home improvement loan. The original loan was not with Wells Fargo but when we paid it off and we paid it off early Wells Fargo took over the loan I dont know when they took it over but after paying off the loan early they said we still owed XXXX XXXX  I couldnt believe what I was hearing but I did get a local lawyer involved and he got it reduced to XXXX XXXX I still cant believe I still owed money after paying off the loan. I just heard on the news about a lawsuit that Wells Fargo was buying loans and maybe mismanagement Im wondering if I can see if I can get my money back I know its a long shot but just hoping there is some justice for me.thanks for any 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 2023-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Open Date XXXX XXXX I have been ignored from both the creditor and the credit reporting bureaus. I have file a dispute and no investigation was opened and nor results were sent to me. I also had attached a police report for the fraudulent accounts and incorrect information reporting.

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 2017-01-04
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working to modify the loan on my primary residence since XXXX. We sent all paperwork to both NationStar and their counsel. I never received any documentation from them until we requested a reason on why they denied the loan modification. The attorney sent over XXXX letters in which they claim were sent out with missing documents. These were never received. On XXXX XXXX I faxed over another application to NationStar in hopes of modifying my loan. On XXXX XXXX i emailed my attorney to see if he had heard a response. He had not. I check my mail daily and never received a letter from NationStar acknowledging my paperwork or asking for more documentation. On XXXX XXXX as well I called NationStar to find out what the status of the application was. I was told they were in receipt of the modification and that there were two documents they were missing. I was never given a date to have them returned and still had not received any correspondence in the mail to my property or attorney. On XXXX XXXX they sent a letter out denying my loan modification because they did n't receive the documents they requested. I have not received anything with a description of what they needed. This is the second time in which NationStar has not acknowledged my application or communicated with what they needed. In a letter dated XXXX XXXX i received a notice of sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
They are reporting the account as open when the account is closed. And I asked them to provide proof of validation of the account that shows a legal binding contract with me and the creditor I wasnt provide anything. But the account was deleted off my XXXX, and XXXX credit report but not my XXXX report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: CA
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:
On about between 2 years filed 20 times for target 5 % red card denied 20 times because of lack of credit. Equifax information service sent target credit report and did not send me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-12
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting this complaint without any influence from any third party or agency. Please see the attached documents as it contains my full requests.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2020-07-29
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
My money order was purchased in XXXX at XXXX XXXX to pay my movers. The movers would not accept it ; they wanted a Postal money order. My sister-in-law, XXXX XXXX, who was receiving my goods in XXXX, had to get cash to pay them. I gave her the money order for reimbursement but she could not cash it either. I then tried to deposit it in my bank but Western Union refused it. After giving me the run-around for two months, they are now claiming it was cashed XX/XX/XXXX. That is impossible since I still had the money order in XXXX and it was XX/XX/XXXX when I attempted to deposit it.

Company response to consumer: Closed with explanation