BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband was in an accident on XXXX XXXX of XXXX. 
We filed a claim with our insurance company XXXX. 
The car was deemed a total loss and they sent a payment to Us. But due to a glitch in their system a payment for the loan was not made to Westlake financial services. 
Us not knowing This happened, on XX/XX/XXXX I received A credit alert that my score had dropped dramatically dew to a delinquent account. 
I checked to see what this account was, contacted XXXX  and they went back discovered THEY had never sent out payment for vehicle that they deemed total loss. 
I have a letter from The claims manager stating that this was indeed on their fault, and Westlake financial would not hear it.

I would like to try and get my credit score back because this is 100 % the fault of XXXX  insurance, and without this being fixed it can cause further damage to myself in the future.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Had direct deposit to my account but Wells Fargo withheld deposit and cashed out payments before release my deposit. Creating a over draft. They done this many many times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: CT
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} ; XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4400.00} ; XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX overdrafts chargers on my account

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 2023-01-20
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 sent a letter on XX/XX/XXXX to remove these items : XXXX, 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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.

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 2023-01-20
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-01-20
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: KS
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:
My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX Bank XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, am filing this CFPB complaint for violations of my civil rights. Under the FCRA, 15 usc 1681 in accordance with federal law. My rights have been violated by the credit bureaus, XXXX, Trans Union and XXXX Information Services.

I sent my first dispute on XX/XX/2023 cerified receipt returned to each of the credit bureaus, in the dispute process. I never received any dispute results, In accordance with FCRA, 15 BUSC 1681 per fderal law. Not responding within 30 days. Constitute negligent noncompliance. According to the Fair Credit Reportng Act, 15 USC 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and rcord the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, you must remove the accounts listed below. 

On XX/XX/2023 I sent another certified letter Second Written Request for you to remove the unverified accounts listed, that remain on my credit report in violation of 15 USC 1681. The inverified items listed on my report still remain on my credit report in violation of Federal Law.

In accordance to the Fair Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the pocedure used to determine the accuracy and completeness of the information, and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that descripition as according to the Faic Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 7 ). 

In the lack of results, or non results of my first request for a investigation ( you did not send any verification information ) thus you are in direct violation of negligent noncompliance. 

You have not provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA-you are required to '' promptly DELETE all information which can not be verified. ".

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Closed account and charged fees and sold account for harassment from collectors and reported on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were transferred to Mohela from Fed Loan servicing. On XX/XX/XXXX I submitted an XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX. After waiting XXXX months Mohela marked this form incorrectly as a duplicate. 

On XX/XX/XXXX I called and spoke with the XXXX She gets back on the phone and states oh there are XXXX payments missing I sent a request to have them applied. I responded there are XXXX  years of payments missing. Her response was oh I made a mistake. It has now been sent back to review with another XXXX  day time frame. 

Mohela is mishandling forms left and right. I should be at XXXX necessary payments and my loans should be in the process of PSLF forgiveness. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$11000.00} ; 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had the opportunity to payback arrears in full and the next day was the deadline. I forgot who I talked to but they told me even though I pay arrears back. They can't guarantee that my house will go into foreclosure. So I had to file for XXXX XXXX bankruptcy and I eventually sold my house to a cash buyer. This process took place through XXXX XX/XX/2019. Please advise 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive asked to remove XXXX XXXX XXXX they are not residence and the XXXX XXXX XXXX is not my residence address its where the XXXX XXXX XXXX located! XXXX XXXX was sold to another lender! I have no control over it and it closed, was paid off and transferred to new lender which is current! The names XXXX XXXX, XXXX XXXX or XXXX XXXX are NOT my names! Ive asked over and over to remove them from my personal information! Several accounts are duplicates and my ex boyfriend charged them without me knowing! Many of the hard inquiries are identify theft! Not mine! I want to opt out of XXXX I dont know what that is and Ive never filed bankruptcy. This is my 3rd time requesting it to be fixed! All 3 credit report companies have my personal info wrong and hard inquiries are not all mine, identity theft! The 6 accounts, my ex charged without my permission! 2 are the same and I never had a contract with XXXX! Id like this fixed and they arent acknowledging me and my request. Plus they are old and it states negative! Furthermore lock my account because theres too many hard and soft inquiries! Ridiculous!!!

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX Account # 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

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Payment is too high

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 2023-06-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've applied and was approved for the " XXXX XXXX XXXX '' Visa credit card from Chase Bank around XXXX. There haven't been any delinquent payments nor any suspicious activity on my account since its inception. I received a letter from Chase 's Card Services in XXXX, DE notifying me that " after careful consideration, we decided to close your credit card account on XX/XX/2023 because of your association with a Chase credit card, deposit or investment account that was previously closed. '' To my knowledge, I haven't had any previous cards nor any investment accounts. I've called customer service to inquire, and the first individual was completely rude and offered XXXX assistance in the matter nor would she inform me as to what " policy '' I might've infringed upon. Even after her rude, condescending remarks, and tone, I asked to be transferred to customer services to report her and how unsatisfactory her assistance was and she proclaimed that she wouldn't and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: AmerAssist A/R Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ahve been trying to resolve this account for over two years now. The company is XXXX XXXX XXXX. I reached out to the company back in XXXX if XXXX  about returning the product and recieving a refund after not being able to contact them about returning the product. I eventually was able to return the product and recieve a full refund back i. XXXX if XXXX. This is were I was sent an email stating that my refund was awarded and the account was to be closed and reported to the debt agency within 30-60 buisness days that the account was resolved. It has been 7 months of me calling trying to get XXXX XXXX to contact Ameriassist to inform them the account is clised and no debt is owed. However XXXX XXXX has been stringing me along for months with no response as to when someone will send over a general release waiver to Ameriassist stating the account has been closed. Ive already spoken with XXXX  XXXX numerous of times for them to tell me time after time someone will return my phone call and no one ever does. Ive writtin a letter to Ameriassist stating the account is closed and to see they they would force XXXX XXXX  to respond to which they havent. It has been 7 months since the account has been in collections and no response from XXXX XXXX XXXX as to when they will send over notification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation