BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I currently have three fraudulent inquiries on my equifax credit report, that i have reported to equifax agency and they have yet to delete the incorrect information on my credit file. 

I called several times and when Im not getting anywhere with customer service agent, I than request for a supervisor but of getting to speak with a supervisor the agent placed me in a hold for over an hour. 

The inquiries that are in question are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Account information incorrect

Complaint:
I am asking for a investigation on my credit file because this account is reporting incorrectly on my credit 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 2022-06-22
Company: Westlake Services, LLC
State: NY
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:
On XX/XX/2021 I purchased a used car in my car loan I had a warranty that cost {$1800.00} when I tried to use my warranty for the car the warranty people that Westlake uses kept saying that I don't have an active warranty to the car I went back and forth with Westlake and the warranty company that they use in order to try to get my car serviced I was not able to get my car service because by time they found a active warranty for my car it was over the mileage and the time.

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 2022-06-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXXt XX/XX/XXXX - apr XXXX, XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX In accordance with the fair Credit Reporting act 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 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a Wells Fargo checking account since XXXX. I recently discovered that XXXX was added to my account as a money transfer service. I used it a few times and decided I did not want it. 

There have been many stories recently in the XXXX  XXXX and elsewhere about theft and robberies using XXXX, which the banks refuse to reimburse for because they claim the transfers were " authorized '' -- even if the authorization was at gunpoint. 

I attempted to remove XXXX from my checking account, or deactivate ( deauthorize ) it, and discovered I can not. It is required with a Wells Fargo checking account. So, the service is required and can not be deactivated, but if theft occurs using it, the bank will not accept responsibility even though it is forcing the account holder to have this feature. 

This is wrong and imposes a significant risk on me ( and others like me who do not want or need this types of service ). I could go elsewhere, but it appears the owners of XXXX include the other major banks as well, and I suspect the policy is the same. Thus, my complaint is that my bank will not allow me to remove XXXX from my checking account, causing me significant risk which they also refuse to cover.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. 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 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We tried to recieve a lower interest rate back in XXXX with XXXX  XXXX XXXX then sent our loan to another company who at that time told me to hold my payments and we did until they received our paperwork at that time they tried to foreclose on us then. We paid the money up and was fine then our loan was sold to shellpoint mortgage company and they told us to send our payments in and we did and they did it again. Then they did it again in XXXX and we paid them {$36000.00} through an attorney and we made 5 months of payments to them and in XXXX of XXXX they sent back 3 months work and at that time refused to talk to us so we back to our attorney and they wouldn't talk with him either and then covid hit and they never called or mailed us anything or to our attorney u til XXXX of XXXX and said we now owe XXXX in order to reinstate our loan whoch is nailing us with all these court costs and attorney fees all for nothing when they could have simply took our money I stead of mailing them back to us with the stamp NO on the post office checks. These people are mean and cruel to try and take an XXXX year Olds home when they have always paid there mortgage every month and never had any problems. Please help us before we are homeless with nothing we have worked for our whole lives. These people just don't want to work with anyone at all, and they lie cheat and steal homes from the American people and this needs to stop our health have gone down hill from all the stress and not knowings what we are facing. So please help us. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are Inquiries on my 3 credit bureaus that were never authorized done in XXXX of 2021 in relation to car loans that I never gave any sort of formal nor written authorization to have done. 
All 3 bureaus have been disputed through but yet none of them will remove these fraudulent inquiries.

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 2022-06-22
Company: Resurgent Capital Services L.P.
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:
I dont know why these account keep popping up on my report! I informed the companies of the fraud activity and they corrected my reports and then with any written nor oral heads up that you would again report misleading information. I want these removed forever for I have already told and proved I did open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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 information incorrect

Complaint:
There are Inquiries on my 3 credit bureaus that were never authorized done in XXXX of 2021 in relation to car loans that I never gave any sort of formal nor written authorization to have done. 
All 3 bureaus have been disputed through but yet none of them will remove these fraudulent inquiries.

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 2022-11-25
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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-08-21
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: AES/PHEAA
State: IL
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:
Dear CFPB : I am officially filing a complaint against the FedLoan Servicer. Please see attached document for details regarding my inquiry and concern related to Public Service Loan Forgiveness ( PSLF ) Program. 

I've clearly demonstrated that I have fully met the PSLF criteria : 1. I have over 10 years of qualifying public work experience, and 2. I have made over 160 qualifying loan payments between XX/XX/XXXX through XX/XX/XXXX. 

Fedloan seems to have miscalculated my years of public service. My former employer, XXXXy XXXX XXXX of XXXX XXXX, Department XXXX XXXX XXXX, attested that I was employed from XX/XX/XXXX through XX/XX/XXXX, which brings my years of public service to over 11 years. 

Since PSLF began in XX/XX/XXXX. I counted my qualifying years of service from XX/XX/XXXX through XX/XX/XXXX, which comes to 10 years and 7 months. I have been making loan payments since XX/XX/XXXX. To date, I have made over 160 qualifying loan payments. 

As you can see, I have fully met my obligations under the PSLF. FedLoan keeps messing up. Therefore, I am reaching out to CFPB to intervene on my behalf at this point and hold FedLoan accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$4400.00}.

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 2022-04-23
Company: EQUIFAX, INC.
State: MO
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:
KS DCFS CSS/CHILD SUPPORT ENFORC Account Info Account number XX Account status Closed Date opened XX/XX/1995 This account is showing a status of of opened/closed/collection. This is account is passed the 7 years mark to be on file and this account is not mine. The credit beaus has not verified this information. I have also contacted the courts and they told me they do not verify this type of account. This account need to be deleted from my report immediately. All information was mailed XXXX and i have the tracking numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Information not 100 % correct such as address, amount owed, type of account. Certified letters sent multiple times to address 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 2022-06-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Wells Fargo has been denying that they are in violation of the CFPB and refuses to refund the {$3000.00} to me. Clearly based on the facts provided, what the FDIC states and what the CFPB state, Wells Fargo is in violation of EFTA Regulation E. I am attached a letter from my Attorney as well. 
The EFTA is regulated and enforced by the Consumer Financial Protection Bureau ( CFPB ). This US government agency has made it clear that when scammers access accounts by fraud or robbery, the resulting transactions fall into the unauthorized category. The CFPA confirmed that the EFTA protects consumers who have been swindled and the Act requires investigation and reimbursement according to its terms. When a consumer is tricked or manipulated into allowing access to their account, all related transfers are considered unauthorized. 
I was a victim of fraud through a phone call scam. The scammer asked me to send money through XXXX. After the money was sent, I realized that this was a scam and I called Wells Fargo immediately to inform them. I also filed a police report with the XXXX county police department. I have a letter from the Attorney General stating that my situation was a fraudulent scam. 
EFTA and Regulation E states that an unauthorized EFT includes any transfer initiated by a person who obtained an access device through fraud, robbery, or force. My situation falls under fraud! The CFPB made clear that a consumer is entitled to receive the liability protections of Regulation E, even if that consumer acted negligently. 
Wells Fargo is in violation and {$3000.00} should be refunded back to my account.

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 2022-06-06
Company: Experian Information Solutions 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:
According to 15 U.S.C 1681 section 602 A. states that I have the right to privacy! Also 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The following accounts have violated my rights : XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : 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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 Account listed on the pdf attach, 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 2022-11-25
Company: EQUIFAX, 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:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have 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.

15 U.S.C 1861c ( 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation