BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: IL
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:
I already filed my claim with the Attorney General confirmation is added below. I filed numerous looked over compalints with the CFPB in the last XXXX months, XXXX XXXX and made over XXXX XXXX XXXX XXXX XXXX these XXXX XXXX. I mailed and faxed many documents supporting the Institutions even sent letter to fix these issues. 
1.I am not Deceased : I have been claimed as so by all 3 agencies now, but these two have lied and Said they don't see the status, have taken it off and resubmitted it or lied about removing it in a timely manner, haven't gave me a reason of how or why it was added ( Negligents ), have had me get denied credit due to it being added and I wasn't aware, it has locked me out of online accounts and caused my emails to change as well. I su mitted over XXXX XXXX letters and packets with proof and validation and they took over 22 days to even document it into the system. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  has been OPEN and they have taken as much as 6 months from my initial complaint from calling in to change the status. A closed account, less positive history reporting, and decreasing my avaliable credit has negatively impacted my credit score and potentially caused me to not get funded. I sent proof for XXXX XXXX most recently in XXXX XXXX XXXX XXXX XXXX Most recently in XXXX. XXXX changed the info with no issue these 2 establishments didn't even so much as put " under investigation or dispute '' until within the last 30 days when it should be done asap. They Said they would look into it and not even the CFPB made sure they did. I called SEVERAL TIMES ( please see your notes when you pull my account ) and they kept saying " it's verified as correct '' when I gave them my bank # and letter ( attached ) stating clearly they warned the agencies to change the miscommunication ASAP.. 
Some of the violations BESIDES pain and suffering and time wasted which is subjective are : 15USC 1681a 2A, Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ,15 U.S.C. 1681n ( a ) and more ***THESE things have caused me lost time, denied applications, and I'm unable to get a car and apartment amongst other things***

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 2023-07-08
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I recently had a vehicle that was behind XXXX months in payments. I called and was told I need to make XXXX to catch up my payments and STOP repossession actions. I was finally able to do this and made a payment of XXXX. Then another XXXX a week later totaling XXXX in XXXX month. My intial payments are just XXXX. These payments where made on XXXX XXXX. 

My next pay came along XXXX days later in which I was only XXXX behind and now just XXXX  days late. While outside I see the repo man looking for my vehicle! After making XXXX on my prior payments they never called off the repossession! I am only now XXXX days behind and owe only XXXX but they sent someone to repo my vehicle. I was told of this happen I will now owe the FULL remaining loan payment of XXXX in full! 

I have called and been hung up on! Spoken to rude and disrespectful customer service representative, that just speak over you or hang up! 

They also blocked my account online that I can no longer make payments online. When I try to call and make a payment I can not get through the automated system to pay that way.I have to try to get a customer service representative. 

When my XXXX calls to try to make a payment she is hung up on or they intentionally remove her name from my file. Removing her name causes her not to be able to access my account. The company is making it difficult for their customer to catch up on their payments and when they do catch up they still dont cancel the repossession. They also make it difficult to make payments. I am still locked out my account and cant even pay XXXX online! I have to call and jump through loops!

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 2023-04-27
Company: EQUIFAX, INC.
State: AZ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these items and it is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items listed below : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Transunion Multiple times, explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Transunion has sent me multiple letters telling me to verify the inquiries with the agencies reporting them and refuse to take responsibility for violating my privacy and using my information with other agencies without authorization. Failure to respond satisfactorily within 30 days of receipt of the certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the fair credit reporting act.

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 2023-04-27
Company: EQUIFAX, 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:
The following accounts are fraudulent. I just got out of prison and these accounts are not mine 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A .states I have rights 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 2023-04-27
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is this company cbe group also known as charter communications they are reporting a collection to all three credit bureaus that is very much inaccurate I have been a victim of identity theft and I need this debt collection to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
After viewing and being inundated by television and repeated direct mail advertisements from Capital One, I decided to apply for their credit card in order to take advantage of their supposedly generous mileage offer. Both my wife and I maintain an " Excellent '' credit rating. To my surprise, Capital One summarily declined my application and to date, despite my repeated requests, has failed and refused to tell me why. I suggest that their advertisements are completely fraudulent and that they do not operate in good faith, and I would like their so-called " hard inquiry '' removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX I opened an Apple Card credit account with Goldman Sachs ( GS ). Initially I was assigned a credit limit of {$500.00}, which was eventually increased to {$1500.00}. In the time since I opened this account, I have never had a single late payment. Almost every month, I have paid my balance in full, and throughout each month, I have made multiple payments because my spending well exceeds my limit. On average, I have spent anywhere between {$3000.00} and $ XXXX each month. During calendar year XXXX, my spending was {$23000.00} with no missed or late payments. 

Today, out of the blue, I received an email from GS indicating my credit limit was reduced from {$1500.00} to {$500.00}, thus essentially rendering the card useless. The explanation given was a charge of and delinquency with other creditors. 

Several weeks ago I discovered a handful of accounts on my credit report that do not belong to me ; they were fraudulently opened without my knowledge or consent using an old home address in Maryland. I have since disputed these accounts with the CRAs and completed an identity theft report. 

When I contacted GS to explain the situation, i was told there was nothing that could be done to reinstate my credit limit because these decisions are made by AI, and everything is automated.

My account history with GS has been exemplary. The credit limit prior to being reduced was rather modest at {$1500.00}, and it represented a very minuscule risk to GS, especially given my proven payment history. There is very minimal risk of default. Moreover, it was implied that if the balance on my Apple Card was higher than it was at the time the limit was decreased, GS would likely not have decreased it or would have only decreased it by an amount just above the balance. Not only have I been penalized due to delinquent accounts appearing on my credit report that are not mine, but Im also being penalized for making consistent payments and keeping mt balance low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are fraudulent. I just got out of XXXX  and these accounts are not mine 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had two 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 XXXX  ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-04-27
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. kindly update these immediately. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CCF Intermediate Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted On XXXX, and XXXX by a XXXX regarding a debt. He claims they have sent multiple letters in the mail and have called multiple times. Ive lived in the same place for seven years and I havent recommend any letters and the calls just started XXXX. I was told I was being hostile on each occasion and hung up on. I asked the first two times. What is this regarding and they didnt wish to state anything further than wanting to know my social security number and address. Today XXXX I spoke with four different people. An each were very hostile as I tried to explain. I wanted to verify the debt. I asked for a debt verification letter. I was told they would not provide one and I was informed they would mark me as being hostile and unwilling to take care of the debt. I asked the company name and was told XXXX XXXX XXXX. I asked regarding there location and was told they will not disclose it because there are a lot of crazy people out there. So I asked how do I know this is a real debt and Im not being scammed? Asked if the call was being recorded because it was not stated. I was hung up on for the third time and a guy answered and stated his name was XXXX. I said thats mighty fun when you sound alot like XXXX  that left me two voicemails that are identical. He told me all I want to do is argue and they will see me in court. An hung up on me. The numbers I call and was given is XXXX and XXXX. Both numbers ring for awhile before someone answers. Nothing about the calls suggests debt collectors. They keep suggesting filing a lawsuit against me even though I dont know who they are nor what the debt is regarding or if its legitimate because they refuse to answer any questions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation