BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: NV
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:
My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX  for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! 2 years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, 3 secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had 3 secured credit cards while paying my debt off!

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 2022-12-08
Company: Thaxton Investment Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
account could not to be 180 days late for XXXX through XX/XX/2019 because the account was being paid on time through garnishment. 

Account stayed 180 days late in error for consecutive months effecting my ability to retain new credit opportunities. 

Account is logged as being a secured loan when the loan was actually a unsecured debt The loan company also contacted my employer constantly causing embarrassment and constantly giving them personal information like please have him call us he is late on his loan. 

Also they contacted family members stating I was late which caused more embarrassment. 

The creditor also applied unauthorized hard inquires after using my stolen information. I never authorized these hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
This is my second-time requesting 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 items 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 items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$21000.00}, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Southern Management Systems Inc.
State: WA
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 XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: CT
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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}

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 2022-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX scam back XX/XX/2021 {$3400.00} paid me al but that amount. The bank employee even talked to the scamers on phone. Told me shouldn't have ok transfer. Told then I thought I was talking to bank. Gave me the money back then turned around took it back out off account. 2 months later.

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 2022-12-08
Company: Experian Information Solutions 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Collection ) XXXX Date opened XX/XX/XXXX Balance {$24.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-07-31
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, My name is XXXX XXXX. I bought a Used XXXX XXXX XXXX on XX/XX/XXXX. During the sale of the car at XXXX XXXX, in CA, I put a downpayment of {$10000.00} and I was told by the dealership financial officer that Westlake Financial Acc : XXXX is not going to finance my car without a GAP, Extended Warranty, and Extended Maintenance. Before the options my car payment is {$680.00} and after it changed to {$800.00} After doing some research and I found out that I might have been scammed. 

I need CFPB to look into this matter. 
" By Law, a lending institution can not require a customer to purchase an extended warranty, GAP insurance, credit life, disability, or any other backend finance products. '' PS. I am having a hard time sending my car contract to you through the website because my file is too big. What should I do? 

Thank you 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 2022-09-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act ; this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 states the consumer performance agency can not furnish an account without my written instructions. Under 15 USC 1666 B ; a creditor can not treat a payment on a credit card account under a open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this account : XXXX XXXXXXXX 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 2022-12-08
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Can't use the e-gift card in XXXX  XXXX  or anywhere for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-12-08
Company: Credit Karma, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Karma advertised an offer to apply for an XXXX  credit card, offered a payment in amount of {$50.00} if not approved... I applied today, XXXX, was denied, reasons for denial include a prior personal loan which I did not receive.. Regardless, I believe I am owed this amount, {$50.00}, from Credit Karma. The terms of offer were not disclosed at time of application. My email account associated with Credit Karma is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSWORLD SYSTEMS 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: Credit inquiries on your report that you don't recognize

Complaint:
15 USC section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND XXXX CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681cXXXX REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.

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 2022-12-08
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor ( GM Financial ) has violated my rights. Under 15 U.S.C S 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open consumer credit account as late for any reason. 

GM financial has reported my payment as late to all three consumer credit agencies which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It has come to my attention that the financial department of Wells Fargo & Company, may not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the bill to be zeroed out each and every bill cycle upon lack of supportive documentary evidence.

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 2018-11-29
Company: EQUIFAX, INC.
State: MS
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 sent a letter to the XXXX XXXX XXXX address that they had on my credit report and it was not correct information, so it was return to me. So i sent a letter to Equifax asking them to delete the negative item for the reason of false information on the part of XXXX XXXX XXXX and has not heard from them. I will upload the letter that i sent Equifax to address the situation on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: ENCORE CAPITAL GROUP 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:
Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS THE XXXX TIME THIS PHONY DEBT HAS BEEN SOLD. IT HAS BEEN OVER A YEAR SINCE MY LAST COMPLAINT. IF THIS COMPANY EVER SELLS THIS DEBT AGAIN I WILL SUE THEM. STOP THE NONSENSE I DO NOT OWN ANY XXXX XXXX BILL.

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 2022-12-08
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On six occasions, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX, I submitted ALL pertaining documents and information to be able to transfer funds from Direct Express by Comerica Bank card account to my personal bank account. 
The times I contacted Direct Express customer service I was notified that my requests for ID verification and transfer attempts or requests were summarily denied. No valid reason or explanation were given. 
Direct Express continued contract breach and discriminatory profiling and practices violate altogether consumer laws and fiduciary duties and responsibilities towards me, a consumer and a beneficiary of XXXX compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: AMERICAN EXPRESS COMPANY
State: NY
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 inquiry was NOT authorized. 

AMEX Date of Inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XX/XX/XXXX ONEMAIN FINANCIAL CALLED MY PLACE OF EMPLOYEMENT REGARDING A PERSONAL LOAN I DO OWE AND I AUTHERIZED A PAYMENT TO BE MADE FOR XX/XX/XXXX. WHEN I ANSWERED THE PHONE I TRIED TO LET HER KNOW I COULD NOT HAVE CALLS AT MY PLACE OF EMPLOEMENT AS I HAVE TOLD THEM MANY TIMES IN THE PAST, ALSO TOLD HER MY BOSS WAS IN FRONT OF ME BUT SHE DID NOT CARE SHE CONTINUED TO ASK ME QUESTIONS AND I HAD TO YELL AT HER ( XXXX ) BECAUSE I DO GET IN TROUBLE FOR PERONAL PHONE CALLS, AFTER I HANG UP ON HER SHE PROCEDES TO CALL MY HUSBANDS PLACE OF EMPLOYEMENT WHERE SHE ASKED MY HUSBANDS CO-WORKER QUESTIONS ABOUT HIM A CO-WORKER WHO IS A EQUAL TO HIM NOT IN XXXX COMPANY IS HURRASSING US AT WORK ONEMAIN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX THANK YOU SO MUCH, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXXt Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.

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