BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
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:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking XXXX, TransUnion, and XXXX to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.

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 2022-12-07
Company: Cottonwood Financial Ltd.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
started screaming at me told me he'd see me and my husband in court. 

i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am currently selling my house, it's in Escrow, and due to close XX/XX/XXXX. I asked for a net sheet from the Escrow company. I noticed a charge for {$1000.00}. When I called Dovenmeule to inquire about this charge, the representative was very vague and was unable to completely explain it. However, they said it was most likely due to my bk.

Long story short, I just discharged and closed a bankruptcy back in XXXX. 
I explained that to them and that this was my primary residence and it was never in bk nor did I make any payments through the trustee. They said I would have to write them a letter explaining this and sign it. I wrote the letter and emailed it as requested. A few days later I received a response stating that this erroneous charge was due to the bk and they were not going to remove it. So, I decided to write my bk attorney. He looked into it and discovered that this charge had nothing to do with the bk and all my financial obligations were paid in full. He also stated He didn't know where this charge is coming from. 

I decided to do some research of my own regarding this company. They have over 535 complaints in the last 3 years on the XXXX, 1-2star ratings on XXXX and XXXX and about 5 law suits brought against them. Anotherwards, these dishonest practices are there normal way of doing business. My purpose for writing this is to have them be HONEST for once and remove this erroneous charge completely off the payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Consumer Financial Services
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Back in XX/XX/XXXX myself XXXX XXXX and my friend XXXX XXXX the cosigner agree to get a loan and split it in half. Payments as well. He went M.I.A and later on I heard he left to XXXX for good. I got stuck with the payments which I had no choice since it's my credit too and I can't really do anything about it. But I struggled to make the first payment/s since I got laid off from work. Had no phone at the moment since I had no money so I could not contact anyone. I had finally thought I got my job back in XX/XX/XXXX. Until the owner talked to me. But first my supervisor talked to me before and said he heard that they didn't want me to work here anymore because the loan place was calling and harassing my employer nonstop. Received to much mail from them too. And they were not stopping after my employer let them know I was working their anymore. Finally talked to the owner of the small company I work for and he didn't want to give me work. He gave me different excuses. But at the end he had no reason to fire me because I'm a good worker and never had a complaint against me and he also didn't admit to my personal loan situation. So on the same day. I called Consumer financial Services located on XXXX XXXX XXXX. A operator answer and gave my info and she ask why I'm calling and I said I'm calling to make a payment arrangement and to talk to someone to see if maybe they can't stop calling my job because they got me fired. She transfer me to the manager. A XXXX who didn't introduce herself, but didn't give me a chance to say anything because she decided to insult me right away by saying I know who you are. You are a dead beat with lots of child support. You are irresponsible and I know you got fired and do you think I care because I don't and I don't feel sorry for you. You stoled money from my family and your boss said he ain't giving you your job back because he don't want to deal with us. If she would of listen like the operator she would of know I was calling to make an arrangement to pay them back since I got my job back. Sometime this week of XX/XX/XXXX they contacted my company again and harass them. And same situation from XX/XX/XXXX I'm having with my boss. I'm now just working 20hrs instead of 40hrs. I know it's because they really don't want to deal with my problem that I'm having with consumer financial services. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
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 XXXX  Account # XXXX, XXXX XXXX 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. 


In accordance with the Fair Credit Reporting act XXXX Account  # XXXX, XXXX XXXX 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 2022-12-07
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear XXXX, Americollect sent a debt collection notice via mail to collect for XXXX XXXX XXXX SC in the amount of {$1.00} on XX/XX/2022. Americollect dated the notice as XX/XX/2022. 
I called Americollect and told them that XXXX XXXX XXXX was contacted in the summer to give me a detailed bill after I received a notice from them that I would be sent to a collection agency if I didn't pay them. The XXXX XXXX XXXX XXXX department told me to disregard the bill and they would sent in the correct codes to my insurance company. However, the didn't carry through on their word because I received a debt collection notice. I called my insurance company and XXXX XXXX XXXX never sent them the correct codes. So my insurance company called the doctor who provided XXXX XXXX XXXX with the medical billing codes ordered and preauthorized and they forwarded it to XXXX XXXX XXXX again, but XXXX XXXX XXXX did not follow through again, leaving me without resolution. 
Please help me end the debt collection notices from both Americollect XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number XXXX and XXXX XXXX XXXX. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Upstart Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 
XXXX XXXX XX/XX/XXXX {$7600.00} XXXX  XXXX  XX/XX/XXXX {$13000.00} XXXX  XX/XX/XXXX {$2500.00} XXXX XX/XX/XXXX {$870.00} UPSTART NETWORK XX/XX/XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
I consumer/natural person consumer report reputation has been harmed by XXXX XXXX XXXX Pursuant to title 15 USC 1681s-2 , 15 usc 1692 ( d ), XXXX XXXX has violated my consumer rights. 
A charged Off account is reported on my consumer report from XXXX XXXX. XXXX XXXX has failed to disclose initial written with i, consumer for consent to file 1099c, Pursuant to title 15 USC 1692 ( j ) XXXX XXXX has violated my consumer rights. I consumer/natural person has been financially injured due to XXXX XXXX Actions by , reporting to consumer report agencies, ruining reputation, also disclosing non public information.

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 2023-11-14
Company: Relay Financial (US), Corp.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( our XXXX XXXX XXXX company ) opened a business checking account with Relay Bank. {$33000.00} money transferred from our XXXX Business account to Relay Bank. 

XX/XX/2023 - Our Relay bank acct was frozen by onboarding specialist, XXXX XXXX. She emailed only one of the business managers ( not the owner that managed bank accounts ) to state that she needed a bank statement showing source of funds ( $ XXXX ). 

XX/XX/2023 - Multiple bank statements ( XXXX XXXXXXXX, XXXX ) was emailed by me to XXXX XXXX, onboarding specialist. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review. 

XX/XX/2023- XXXX email requesting for full bank statement XXXX. I explained to her this was already sent and resent. I requested to speak to her over the phone for her manager. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review again. 

XX/XX/2023 - XXXX stated acct is cleared. Account still frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00} ; XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX  - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that these XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments will 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 2022-07-30
Company: Global Lending Services LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just came out of bankruptcy and I did an affirmation with my car. My case was closed the before this month. I was making payments throughout the bankruptcy but it didn't look like it was being applied to my account which we got resolved. The calls started XX/XX/XXXX and the rep said if I made a XXXX dollar payment they could do an extension. I told him I would make the payment but I would be making another payment on the XXXX. But I would think about the extension. I received 10 times since then every day up to today. I have even spoke with XXXX who is a supervisor yesterday. I told her the same thing. I was told that because their system is on an automatic dialer it's going to keep calling no matter what. 10 times in a week and all u say is your collecting a debt. U don't say where your calling from, this is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Westlake Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back My account is overdraft and its because I can not afford to do anything at this time .I am asking the company to forgive me and clear the debt please.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 has violated, my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A ... ... .. states the right of privacy 15 USC 1681 section 604 A section 2 ... ... .... States a consumer reporting agency can not furnish accounts without my written instructions.

15 USC1666B ... ... ... ..A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any other purpose. 
ALL RIGHTS RESERVED

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 2020-04-17
Company: EQUIFAX, INC.
State: VA
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 belongs to someone else

Complaint:
After reviewing my credit report, I noticed a number of identity theft accounts and addresses that I previously reported to this bureau as not mines, as they are a result of identity theft, the bureau refused to block, dispute and even failed to acknowledge my communication at all. In fact, I never received any communication from them regarding my dispute. I never authorized anyone to use, borrow my information, or pretend to be me. However, my information is being used to the point I am being sued and have had to retain an attorney to not only defend me, but to sue this bureau for its willful failure to comply with the federal rules surrounding identity theft victims and credit reports. 
Further, this particular bureau, deleted some accounts that are identity theft ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX  ) ; and then reinserted them back into the report even though the furnisher of the information advises my attorney that they are no longer reporting it because it is identity theft. 

No other bureau is giving me an issue and is refusing to comply with federal rules. This bureaus has been so defiant and willfully non-compliant that they even initially refused to respond to my previous complainant I filed with the CFPB, by stating it appears to be written by someone else. This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/22, I deposited a payroll check using Discover Banks mobile app. The check is a local county government check drawn on XXXX XXXX government services division on behalf of the XXXX XXXX XXXX XXXX XXXX. Upon depositing the check, I was notified that the funds would not be released until XX/XX/XXXX, a 10-day hold. The customer service reps I spoke with could not do anything about the hold. 

It is my understanding that banks should not hold a deposit of a government check no longer than 2 business days, which would fall on XX/XX/XXXX. Furthermore, I am not a new customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX loan with Navient was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two XXXX  loans ( one with Navient and one with US Dept of Ed ) on my credit report when I only have XXXX loan with Dept of Ed. I emailed Navient about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.

Company response to consumer: Closed with explanation