BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I advised TransUnion and XXXX on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received ( per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. TransUnion had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX ( XXXX XXXX ) also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

Thank you for your assistance.

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 2021-04-18
Company: Halsted Financial Services, LLC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called GC Services and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report Number : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 an alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date 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 2021-04-18
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have two fraudulent charges on my Barclys card XX/XX/XXXX {$65.00} apple.com/us XX/XX/XXXX {$65.00} apple.com/us The charges first appeared in XXXX. I actually contacted them while the charges were still pending and informed them that I did not make the charges. They allowed the charges to process so I contacted them again and reported the charges as fraudulent. I received written confirmation that I was not responsible for the charges and that they would be removed. The charges were not removed. I contacted them via phone and email several more times. Each time I was assured that the charges would be removed but they have not been. At one point they were removed but then reapplied a few days later .They have added late fees to my account. I continue to contact them. They told me someone would contact me but no one has. The charges remain and additional late fees remain.

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 2022-03-09
Company: Self Financial Inc.
State: RI
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: Didn't receive services that were advertised

Complaint:
I checked my credit report and see that I have a balance on a loan for XXXX XXXX XXXX self lender and I called them and have never done business with them. I am not sure why I have this on my credit report. I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
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:
XXXX  is showing on my credit report on XX/XX/18 in which the application is fraud by XXXX/ XXXX XXXX  XXXX  XXXX  in which the social Security on the application is not mines the DOB is not my DOB and the Driver Lic is not my Driver Lic Number and there is no date on the application and it's type. I took out a loan with XXXX XXXX XXXX  in which I filled out the application not nor ever applied for a loan with XXXX XXXX/ XXXX XXXX XXXX is all fraud by both Parties. And Date of Birth Social Security Number And drivers lic is some else not my legal information of me.

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 2022-09-06
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 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 an alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am so very upset that I was submitted to a credit agency - Pioneer Credit Recovery from Navient. I made payments to Navient online. I asked for deferment and and forbearance and they said no. I made payments online It was then decided that there was a wage garnishment and I could not cancel the wage garnishment. I want to add the mediator that was included was paid by Pioneer Credit and I felt was biased in their determination. I am asking for a swift review please and reconsideration of this wage garnishment.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you!

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 2022-09-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX Equifax and XXXX. And due to the dates being inaccurate, I ask that this account be deleted. 

Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX Equifax and XXXX. And due to the dates being inaccurate, I ask that this account be deleted. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company in question is Wells Fargo and cash app. I was scammed for the purchase of a dog and I went to my bank and cash app to explain the situation. They both said there was nothing they could do after promising to help me with the situation.

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 2017-06-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Note : This is the third complaint I have submitted for the same issue. I believe that I have been very clear as to the nature of my request and they still refuse to honor it according to California law ( CPC 530.8 ) even though they have given me multiple verbal assurances that they would and I have been diligent about complying with their instructions. In the event they still refuse to comply with this request, I will continue to file these complaints until they do, or I decide that legal action is the only remedy. They need to take this matter seriously. <P/>A Target store card account was fraudulently opened in my name by person ( s ) unknown on XX/XX/XXXX. This person subsequently purchased over {$6000.00} worth of merchandise using this fraudulently obtained line of credit. <P/>The identity thief was careful to cover their tracks and I did not discover that this had occurred until sometime in XX/XX/XXXX. At this time I contacted Target Card Services ( TCS ) and made a request for identity theft information that I am entitled to under California law ( CPC 530.8 ). <P/>The first response I got from a TCS representative was that they " did not have to comply with California law because they are based in Minnesota ''. Through persistence, I eventually persuaded them that they do indeed have to comply with California law because they do business in California. <P/>They then told me to submit a notarized written request for this information ( at my own expense ), which they received on XX/XX/XXXX at XXXX. <P/>The California statute says that they have 10 days after the receipt of this request to comply with the information request, which they in practice completely ignored. <P/>The main document I am interested in is the actual personal information that the identity thief used to fraudulently open the account. This would allow me to know exactly which of my personal data were compromised as well as helping law enforcement to help identify a suspect. <P/>The first attempt to comply with this request resulted in them sending me the personal and confidential information of an entirely unrelated person in XXXX who just happened to open an account on the same day as the identity thief. I was frankly shocked at this reckless disclosure of some innocent third party 's confidential information, but I am not surprised given my experience with this organization. <P/>I informed them of their inappropriate data breach and they responded by making another attempt to comply. They sent me a copy of MY OWN personal information and NOT the application data provided by the data thief as I had requested. On a subsequent phone call they stated that they consider this to be acceptable ( I disagree ) and would not comply further with my information request. <P/>This is what prompted my third complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX  # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Premium Credit Bureau
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:
This is a follow up to complaint XXXX. 

The answer from Premium Credit Bureau is not satisfactory, neither presented any evidence for this inquiry authorization. 
I don't recognize " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) '' and request to remove this inquiry from my credit reports in XXXX, XXXX and XXXX. 

Below answer from Premium Credit Bureau : " Dear XXXX : We are a credit reporting agency, companies use our system to pull credit report for their clients. Our services are mostly used by the mortgage and real estate industry. We have received your correspondence as to the inquiry of your credit report and our research has shown that this file was accessed by a properly vetted subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with permissible purpose. Should you wish to contact the end user and/or originator you may do so at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I enrolled in the REvised Pay as you earn program, currently the loan serviced by Navient. 

However, for 2 months even though I was in the revised pay as you earn program, Navient continued to collect payments as if I were not. 

For example, prior to Revised Pay as you earn my payment was nearly {$1100.00} per month, and after, {$350.00}. 

When I asked what happened, they said " there was an " accounting mistake '' When I asked for my money back, they asked for " a bank statement '' uploaded to their website showing that the money was paid to them. 
When I pointed out that I pay via direct deposit and clearly my bank information is with them, they said that this is there policy. 

This happened inXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I arrived at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX fl XXXX to see about a XXXX used XXXX XXXX the car was ok and I had to put down XXXX dollars to finance the car from Westlake financial in XXXX XXXX so I agreed to the contract and I started my first payment XX/XX/XXXX which was XXXX every month on the XXXX my next payment was on XX/XX/XXXX which I paid early on XX/XX/XXXX my next payment was XX/XX/XXXX due to my car being parked in the wrong parking space my car was towed on XX/XX/XXXX and my belongs like my Id and credit cards and etc was in the vehicle so the next day which was XX/XX/XXXX I came to get the car from the tow company when I arrive to the tow company to pay for the car being towed they told me that Westlake financial had XXXX XXXX because they did not want nothing to happen to the car ( which is weird cause I never heard that before ) in the contract it doesnt say anything about if the car was in the pound that they was supposed to repossess it so I called them and I stated that I have a contract with them and it doesnt say anything about repossessing my car because of that situation.when I spoke to Westlake financial about how I wasnt late on payments or that the car wasnt in the pound for no more than 1 day the and how can I get my car back she stated I got to pay the repossession fee was XXXX dollars plus the pound which there amount was XXXX I told them I will not be paying that cause I was not late on any payments in the car was in the pound for 1 day.every time I called they hung up in my face or putting me on hold and when I ask for my belongs out the car my id and my credit cards my kids social security cards was missing when I wanted to retrieve my items even my Registration and titles of the car was gone.I am a victim of fraud they sold my car to the auction without my knowledge and I need to speak to someone from CFPB

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 2022-03-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent my complaint Equifax about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FXXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation