BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am filing complaints against Us Auto Finance for closing and file bankruptcy without my acknowledgment and that my kill XXXX doesnt stop beeping and complaint against Westlake Portfolio management for not providing that they have my contract with my signature on it, I also what a refund for my GAP insurance in the amount of {$690.00} that they dont honor that I paid for and not honoring the deferment of {$590.00} that I paid for and charging late fees that are not in the original contract. I have requested many time for my contract with my signature, also my credit was hit very hard, westlake hasnt report to any of the XXXX credit companies, I want the refunds for Gap and deferment amounts and my credit fixed ASAP or as for the deferment amount be used for my XX/XX/XXXX and XX/XX/2023 be used for those payment dates Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: IN
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My boss has written bad checks to me I believe knowing they will not be able to deposit in my account or reversed and has been doing this for a while I tried contacting my bank but it was already to late my account was negative and now my accounts frozen and restricted. in my previous complaint I uploaded photos and documents of proof of me being a good worker and my pay stubs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An apartment complex is attempting to collect a debt that is not mine. When I asked for validation of the debt, the company continued to attempt to collect the debt via a phone call a week after my request, without providing the debt validation I requested first. 

When I asked where the debt validation that I requested was, and that I would like to see it proved to me as my debt, they got very hostile and said they would send it and demanded that I give them an answer of whether or not I planned to pay it. When I said I did not plan to pay a debt that I did not owe, they said that it would be sent to the credit agencies and hung up on me. 

My understanding is that once I request a debt be validated, they must provide validation before attempting to collect again. Their initial email contact was on XX/XX/XXXX, I asked for debt validation on XX/XX/XXXX. They called me on XXXX to attempt to collect the debt without providing this information. I have yet to see a debt validation letter despite repeated calls to them asking for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 following credit reporting agencies, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They are reporting late payments on the following accounts 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 2023-08-04
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
A late payment was reported by my mortgage company as in error back in XX/XX/2022 call multiple times to the creditor to update no results

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of tems which do not belong to me or were opened without my permission ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 credit ( puts collection account & accounts ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... 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 2023-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The inquiries that are currently on my report were stated by me to be fraudulent activity. I currently have no accounts correlating with the timeline of the inquiries nor did I attempt to apply for credit from the following lenders. 

1. XXXX - XXXX SERVICE Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

2. XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

3. XXXX - XXXX SERVICE Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 


4. XXXX XXXX XXXX XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

5. XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

6. XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i HAVE A COMPLAINT AGAINST XXXX XXXX, IC SYSTEMS, CCS COLLECTIONS AND XXXX XXXX XXXX, COLLECTION ACCOUNTS. MUST BE REMOVED. .ACCORDING TO THE 15 USC 1681A2 STATES THAT I DID NOT GIVE WRITTEN PERMISSION TO HAVE THESE ACCOUNTS FURNISHED ON MY CREDIT REPORT AND THEY MUST BE REMOVED.

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 2023-08-05
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any information about the debt that the company bought to collect. I never received any phone calls, emails or mail about the debt they are trying to collect, but they reported it to the credit bureaus and its now on my credit report. I dont know how to contact them about the debt because I dont have any of the account info to look it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: R.A.Rogers, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a notice that XXXX XXXX XXXX XXXX has failed to resolve my dispute. After several attempts at requesting specific documents to resolve this matter, we have not yet come to a resolution. I have sent you a Notice of Dispute Letter and a Debt Validation Letter making them aware of my requests. 

XXXX XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act, they have communicated with me ( the consumer ) in connection with the collection of a debt, which is a violation because a debt collector may NOT communicate with a consumer in connection of any debt, they have failed to properly respond, failed to provide the requested documentary evidence, and they have failed to provide me with the required disclosures, which are all violations of the law. The erroneous attempts to collect this alleged debt and its erroneous reporting is causing me emotional stress and financial hardships. They have neglected to provide me with the necessary documents on several occasions and they have willfully been noncompliant with my requests. 

This will be my last and final attempt to resolve this matter before I pursue litigation. They have 15 days from the date of this complaint to comply with my request for monetary relief due to their violations, the emotional stress, and financial hardship they have caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Every month I paid {$24.00} I had send a few times to my Credit Bureau my disputing Errors on my report with proof. I also send them my legal documents. 

1. Court order by XXXX with the only information on it XXXX XXXX and no other information, no job information, no home address information, no I.D or ony other type of information. Attached you will find the information that is incomplete, wrong, inaccurate. 

2. Attached you also will find a letter with information inaccurate. XXXX is ignoring my Identity theft. I'm tire of speeding, my enemy, time, money. Is not right they are taking my money monthly and don't do anything anything to check the documents that proofs incorrect information. 

XXXX is taking advantage of me. And who knows of how Many millions of people who Don't keep degin or fighting for information that is incorrect In there Credit file. Their negligence and reputation needs to be on the social network for people who are not aware of this inquires unjustified. 

I also have a proof XXXX XXXX account dispute with equifax who with the proof I submitted they did their job and Delete or fix the incorrect information report on my EQUIFAX as negative and they also deleted the negative information report XXXX Which is the only one who did Their job Equifax, XXXX, XXXX, if I have a FRAUD ALLERT where expecify that I called needs to done to my number in other to run a hard inquiry they still denied my dispute. Some they run my credit 2 a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2023 I got approved for auto financing loan by Chase Auto for the amount {$45000.00}. I have XXXX health issues and have been diagnosed as XXXX. I have been dealing with this for last XXXX years and have my good & bad days. XX/XX/2023 was XXXX of my very low XXXX day. Without being in sound XXXX condition, I simply walked into XXXX XXXX XXXX XXXX XXXX of XXXX, NJ dealership. 

I do not have a regular job nor any bank savings to support my car purchase. I was not in a sound state of mind to do this purchase. I was hospitalized next day, XX/XX/2023 due to a XXXX XXXX 

Chase Auto should not have approved the car loan without verifying my employment status and history. I reached out to Chase Auto several times to explain my situation and get the auto loan cancelled. I need Chase auto to cancel this loan immediately with no penalty and have the car returned to the dealership. The car has not been driven since the day it was bought due to my hospitalization. I can provide supporting medical documents to exhibit my XXXX  health condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED 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: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MD
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 have tried disputing this account for over a year to get it removed from my credit reports. This is for XXXX in the amount of {$9600.00}. I was fraudulently added to this account as a co-signer I have been trying since XX/XX/2022 to get this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: MA
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 have bought a flight ticket to my sister in low on XX/XX/XXXX via XXXXXXXX XXXX from XXXX to XXXX. round trip from XX/XX/XXXX to XX/XX/XXXX the ticket with XXXX XXXX. Since I booked the ticket until 2 weeks before the trip there wasn't any notification that my sister in law needs a transit visa from the XXXX XXXX in XXXX. Evidence 2 is the ticket that we printed on XX/XX/XXXX it doesn't have any notification about the transit visa. Evidence 1 it is the ticket on XX/XX/XXXX and there is a notification that a transit visa is required, then I called XXXX XXXX  they told me I need to call XXXX XXXX. I called XXXX XXXX and they told me they are not sur and I need to contact the XXXX XXXX in XXXX. I have emailed the XXXX XXXX in XXXX and they confirmed that my sister in law needs a visa and it takes at least a month to schedule it. We don't have enough time to schedule an appointment to get the transit visa and I asked for a refund XXXX XXXX refused. they can give me only a credit that I have to use before XX/XX/XXXX and only for XXXX. My sister in law XXXX can come only during the summer since she has XXXX kids on Schools in XXXX, and this visit just during the school vacation. I called XXXX XXXX and they told me I need to call XXXX XXXX to get the refund. I called XXXX XXXX  and they told me I need to deal with XXXX XXXX since they have the money. I report dispute with my Credit Card bank and I am not sure if they can help me or no since the transaction from XX/XX/XXXX. I am asking for a full refund since XXXX XXXX  did not provide the entire information abut the trip and the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fraudulent inquiries on my Credit Bureau Report with Equifax as well as XXXX. However, in this report we will address Equifax specifically. I've reached out to Equifax Credit Bureau in regards to XXXX XXXX Inquiries on my file. I have not applied to any of the following XXXX XXXX : XXXX. XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX Equifax refused to remove the Fraudulent Inquiries unless I submitted a complaint with you guys, but I called a couple days prior and the representative I spoke with advised the inquiries would be removed within XXXX hours, but they were not removed. The representative even provided me with a confirmation number to confirm they will be removed : XXXX Please advise and get the fraudulent inquiries removed off my Equifax Credit Report at your earliest convenience. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of inquiry:XXXX2022 XXXX XXXX Date of inquiry:XXXX2022 BK OF AMER Date of inquiryXXXX2022

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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. 
accounts to delete immediately : inquiries 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