BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX, I noticed that XXXX XXXX was still illegally reporting a car loan to 2 of the credit bureaus XXXX and Transunion. I disputed the Inaccuracy which I have done on several other occasions. Previously XXXX XXXX would just update the information by reporting that payments were late when in all actuality XXXX XXXX filed a 1099 C charging the debt off and forgiving the debt on this account and still continued to report that I owed the money. Between the end of XX/XX/2023 and the beginning of XXXX of XXXX XXXX XXXX actually removed the account from my Transunion credit file, which caused my credit score to decrease substantially by XXXX points. XXXX XXXX did not add any comments therefore I'm not sure how the account was removed or if they added any negative comments that caused this significant decrease. I have tried to address the matter with Transunion without Success. I'm filing this complaint against Transunion as they have allowed XXXX XXXX to infringe upon my legal rights as a credit consumer for the last 7 years. I would like a full investigation into this matter,

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 2023-05-09
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a loan through American Finance. They went out of business. I received no information from them in regards to them going out of business or filing bankruptcy. I was contacted by Westlake Portfolio. I requested to have information sent to me in regards to them handling my account. They only sent me a payment portal. I have ask this several times. I have also ask if they were going to hornr the terms ofthe loan in which I purchased the vehicle. They told me no and only wants money. I want to know what are my legal options?

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, US DEPT OF EDXXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXT Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 which I have NOT provided. 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.

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 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called a few times to negotiate the debt that my mother accrued and cited my personal information for credit cards she did not qualify for. In 2021, she passed away and passed along her debt to me. This was a result of identity theft, not because it was me who is responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX i deposited a payroll check into my account theough the atm service because chase has moved their inside hours closer to XXXX XXXX. My wife banked with them and i work the same company she did so i assumed there wouldnt be an issue. My account was immediately locked down and put on a security hold for no reason with XXXX warning or explanation aside from " we will release the funds once we contact the issuing bank '' then i was given a deadline that i would have my money by XXXX. Then the deadline changed to the XXXX stating it is now a security hold. I am a XXXX veteran and i havent eaten in nearly 2 days because of this. All of which i have sooken to my bank about. And have the recorded phone calls stating that they do not care about veterans or anyone in general and " ill get my money when i get my money '' even chase banks own customer service stated the same sentiment worded differently. It is now the XXXX. My utilities are about to be disconnected. Phone disconnected etc because they will not release my funds nor will they let me close my account until the hold is over and pull my money. I thought better of them but i was wrong. They used very aggressive tactics when.i opened my account in order to force me into an account with a monthly fee even though im XXXX XXXX  XXXX through the XXXX XXXX. This bank is disgusting and i would never recommend anyone to use them.Chase is also aware of their aggressive practices because im not even allowed to screen shot my own account on my phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-05-09
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Good morning, I have been reaching out the Republic finance here in XXXX, ga where I initially received my loan of {$5000.00} over a year ago. I have never missed or made a late payment. As of the last two months I have been reaching out to the loan company to speak with a manager because my sole income of being a 100 % service-connected XXXX veteran has changed and that I was struggling to keep up with the payment as well as I have been living on the streets since XXXX. They refused to work with me but constantly offering to give me more money. Of yesterday the number that I usually reach them on is now disconnected. Additionally, most times I pay more than what is due and currently my balance is still sitting at {$5600.00} on a {$5000.00} loan, The second problem is that they are reporting that my original loan was {$7000.00} and This was the first I heard of that was from the credit bureau, and lastly, yesterday my credit score dropped because the credit reporting agency said that my score dropped because my balance with XXXX XXXX has increased between XXXX and XXXXXXXX XXXX XXXX. I googled the headquarters and was able to connect with them but after speaking with XXXX XXXX I was constantly transferred to different extensions that would ultimately end in the call being drooped every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this inquiries it was done by the creditor without my permission

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dates around XXXX Fees including interest rates and credit reporting were inaccurate. We sold the vehicle to get away from Wells Fargo auto.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-05-09
Company: LJ Ross Associates
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a unauthorized and unrecognizable account on my credit report on XX/XX/2023.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX XXXXXXXX Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Kohls has vilated these rights In accordinace with the fair credit reporting act XXXX XXXX XXXX Kohls ) has violated my rights 15 usc 1681 Section 602 States I have the right to to privacy 15 USc 1681 Section 604 A Section 2 : 15USc 1666B These rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the past 9 years, my credit profile has been consistently targeted by hackers who have used my personal information to fraudulently obtain car loans, credit cards, and other loans without my consent. Despite reaching out to the companies involved, I have not received any positive results. This constant breach of my personal information has caused significant hardship for me and has negatively impacted my credit score. Therefore, I am requesting that all creditors remove any negative information from my credit report that was the result of these fraudulent activities. I would greatly appreciate your help in resolving this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: LA
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:
Remove fraudulent unauthorized inquiry from BMO HARRIS BANK  on XX/XX/2023 off my report with monetary relief or provide wet ink signature or proof in writing within 30 days.

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 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America took my money after my deposit and gave it fraudulently to another by honering their fake checks made with my pay check information. Removing my funds from my account and sending it to the fraud person.

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 monetary relief
Consumer complaint received 2023-05-09
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have called Paypal multiple times, getting different answers as to why I can not close my account. Latest being that I must have XXXX  days with XXXX  transactions before my account can be closed. 

XXXX  days have elapsed since my last contact with them and I am still unable to close the account. Reference previous complaint from XX/XX/2022. I continue to get monthly statements although my account is XXXX and I am unable to log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Pressler , Felt & Warshaw , LLP via e-mail, with no response, a couple of days later, on XX/XX/XXXX, my wife, followed up. I'm in XXXX XXXX as a result of being a healthcare worker and contracting COVID on XX/XX/XXXX, 9 days later I was in serious trouble and have been in and out of the hospital, seeing doctors, XXXX XXXX XXXX XXXX XXXX, now I'm on XXXX. We requested that Pressler, Felt & Warshaw accept the amount paid as a settlement. The gentleman on the phone stated " a compliant has already been typed up, but has not gone out, how much can you pay today. My wife stated " did you hear what I asked for, he said " yes '' and continued to ask for a payment of {$200.00}, she advised that we were unable to provide that kind of payment. Finally he accepted a {$75.00} payment. Never even attempting to work with us at this difficult time in my life. Ironically the attached letter showed up the same day in my po box XXXX I believe it was totally unfair that the only concentration this gentleman had was to get a payment and not understanding the extent of the health issue. Also, I am disputing the validity of this claim as XXXX XXXX during COVID had added a lot of fees to my account, that should have been removed and lowering the balance. Also, they were harassing me all times of the day, calling and trying to collect money XXXX times a day, sometimes one call right after another, stating that their system calls automatically and they had no control. Even after I advised I just spoke to someone, they proceed to harass for a payment, I'd request to send in writing and stop calling me, the letter never came and the calls never ceased. Being a healthcare work XXXX XXXX has signed certain protections into place for healthcare workers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Good Morning Team Experian Credit Bureau Charging my account adding Inquiries in my file I never heard of I had talk to the Department to remove the wrong stuff what was added to remove old address Department told me nothing the Credit Department can do to get it off. I put in a fraud for vehicle i havent seen it called customer service for they added in my file.

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 2023-05-09
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Universal XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX  there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief