BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of 2022, I purchased a car from US Auto Sales which was financed through US Auto Financing. During the process, I also purchased a service contract and rolled it into my loan. Now, months later, US Auto has " temporarily '' closed and " sold '' my " loan '' to a Westlake XXXX Portfolio. Well, in all of this transition I've found that I do NOT have a car loan -- the car is leased ( not once was the word lease mentioned to me upon purchasing ). I've also found that the vehicle is NOT a standard XXXX, it's a XXXX  vehicle -- which makes my insurance higher. But the absolute WORST part is that now that this company sold my information, the service contract purchased will NOT be honored. And the company pretty much provides us with an " oh well '' and that's that. I filed a complaint with XXXX in which the company simply replied with the fact that they sold the accounts. Hilariously, I received a letter from Westlake confirming that US Auto is indeed STILL my lienholder. With a bit more investigation, I found that US Auto NEVER EVEN PURCHASED THE CONTRACT FROM THE COMPANY WHO PROVIDES THE SERVICE CONTRACTS!!! They LIED and knew it, and STILL had me paying the full amount of my loan. Til this day, I'm paying for a service contract I will NEVER receive. I don't want to have ANYTHING to do with either of these companies anymore! Shame on Westlake for not protecting their customers regardless of length of time being with them, shame on them for NOT investigating the issues they are 100 % aware of. US Auto is fraudulent and Westlake isn't too far behind. My contract clearly shows the amount paid for the service contract ( which is also listed as DEALERSHIP OWNED ), yet I'm being cheated. My contract was very clearly and blatantly broken, I need some kind of resolution! I've been working with a lawyer gathering documents and providing transaction/call dates, I will NOT let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-04-18
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a credit cart though XXXXXXXX XXXX in XX/XX/XXXX, card number ending in XXXX. 
I made all payments on time and did not go over the limit. 
On XX/XX/XXXX, a letter was mailed to me from " Elan '' card member services ", Authentication dept, which is the creditor and the issuer of the credit card.The letter stated that my account is closed and I have 15 days from the date of the letter to fax my ID, SS number, last 2 years of tax return and 2 months of bank statements in order to re open my account. 
When I called to inquire I was told that my identity needed to be authenticated and once the information is submitted, my card will be open again.I faxed all documents on the 15th day XXXX.I called the next day, and was told by the customer service agent that the documents were received but they chose to close my account anyway.The agent could not disclose the reason for closing my account and advised me that I will get a letter by mail explaining the reason. 
I recieved the explanation letter stating that inadequate documentation was recieved ( which is not what I was told by the agent on the phone in addition, all required documents were sent, I have copies of the fax transmission ), due to suspected fraud. 
FRAUD??? 
I own 11 income properties and used the credit card to pay for 3 new AC and for a roof at my own home.I make all payments through my XXXX account that is linked to the same online profile as the credit card. 
The account closure affects my credit report in a negative way, without a fault my own, in addition, I am now required to pay off the credit card without having the benefit of a credit line after pay off. 
I have few other credit cards form various banks, I never missed a payment on any of my loans or credit cards and I never had to experience this kind of treatment from a credit card issuer.

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 2021-03-18
Company: CONTRACT CALLERS 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal has closed my account, and is keeping my money for an undetermined period of time.

PayPal says that I violated their terms of use by buying or selling firearms with their serivce. This is not true, and they have given me no means to contest the matter.

I am a licensed firearms dealer, and we use PayPal occaisionally to invoice customers for binoculars and scopes. We also use PayPal to pay an employee who works overseas.

The Comptroller of the Currency issued an order for financial institutions to not discrimiate against legal business transactions.

I have always used my PayPal account in a proper manner, and had it open for years.

This account is a business account. PayPal also closed my personal account, and I get regularly scheduled payments into that account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XX/XX/XXXX-XX/XX/XXXX Fedloan Servicing has been taking an extra XXXX $ out of my account each month on top of the XXXX $ that Im supposed to pay when they switched my plan to a 10 year plan instead of the 20 plan I have applied for and have no record of it on their end. I had to take days and hours of going through my Banks EFT department to provide the transactions to Fedloan Servicing to prove to them by showing the ACH Transaction Detail their CompanyID and Trace Number that they were in fact taking money out of my account and not applying it to my loan. I spoke to 4 different individuals and no body could tell me their companyID number nor provide me any comfort or anybody to talk too. On top of the fact, they let interest rack up and made my total balance higher making it even more difficult to pay. This is absolutely the most insane event I have ever experienced in my entire life. How does a company take money from a broke, college graduate and can nobody explain to me where the money is going to from within their organization when it should have been going to my student loan balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be reported on my credit report. 

Account Name : Capital One Auto Finance Account Number : XXXX Dates of Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX of XXXX / XXXX, XXXX, XXXX of XXXX I say this because the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me, the consumer and any person making the report. Furthermore, I never gave any consent for these alleged transactions. 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b. 
Please reverse the late payments from my consumer report and update this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: OPTUM BANK, INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, while filing my taxes, I learned I had over contributed to my HSA held with Optum Financial. That same day, I submitted a form requesting that they remove the excess contribution from my account. It is now XX/XX/2023 ( Tax Day ), and they still have not removed the excess contribution. I have contacted Optum Financial five times in the interim to check on the status of the request. For weeks they told me they had the form and were still processing it. Then, on XX/XX/XXXX, they told me they never received the form. I was traveling at that time and didn't have the ability to re-submit the form. On XX/XX/XXXX, I called and requested assistance with this issue. I was told I would get a call back the same day as this was an urgent issue. I never got a callback and they still have not removed the excess contribution. Now, I will have to re-file my taxes and pay the 6 % extra tax on the contribution because they have refused to manage my account in the way I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: SC
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:
ON XX/XX/2018 I submitted a police report and identity theft affidavit along with the identity theft report from the federal trade commission on 3 items that were not mine. They removed the XXXX Account but the XXXX XXXX account and the XXXX XXXX  XXXX account have not been removed. I am a victim of identity theft, and I have followed all procedures. Equifax is required by law to remove these accounts from my credit report within 4 business days according to the Fair Credit reporting ACT. The other bureaus did follow the law and removed those accounts. Equifax is the only bureau that is doing what they want to do by not removing the accounts and inaccurately verifying fraudulent accounts. I am going to have to see an attorney about this matter because it is not right and it is illegal. 

According to the FCRA 605B ( 15 U.S.C 1681 c-2 ) Equifax is supposed to block the reporting of information in the file of a consumer identities as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt by such agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contract Callers continues to report a debt on all three credit reports that was recalled by XXXX XXXX. This is not Contract Callers debt and they need to relive from credit reports. They have not sent any mail to me verifying this debt and are violating FCRA laws by not removing a recalled debt and not sending verification of such debt they claim I owe them.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-29
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:
I am submitting this complaint to EXPERIAN due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an 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 2022-11-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items 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 #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX 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 XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXXDate of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX 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 XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXDate 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i spoke to this company National Recovery Agency today XX/XX/22 XXXX i asked for information for this account, they have my date of birth my dads name, they are trying to collect of a debt without providing any and missed information. Proof of Claim document is attached please send to the company im just asking them to provided information XXXX if they cant close this fraudulent 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 2017-03-30
Company: ERC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In   XXXX   I went to the hospital near where I live in  XXXX  Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as  XXXX   XXXX  I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-07-16
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with XXXX, Equifax and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company response to consumer: Closed with explanation