BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX A XXXX XXXX XXXX {$600.00} XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-10-12
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
It's XXXX again, I reached out to Westlake Financial Services regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX XXXX which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. XXXX on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently XXXX has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask XXXX to do according to the on going investigation being conducted by the California State Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by XXXX, since the Corporate office is located in XXXX XXXX, California. Westlake Financial Services has denied asking XXXX to collect money for them as a XXXX XXXX. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California XXXX Attorney XXXX XXXX has XXXX ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and XXXX is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against XXXX since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired .Westlake Financial Services XXXX XXXX XXXX as Charged-off and account closed. XXXX and XXXX has already removed he XXXX from XXXX XXXX XXXX. According to Westlake Financial Services has never asked XXXX XXXX to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.

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 2023-10-06
Company: EQUIFAX, 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts and their balances ( two accounts one in the amount of {$4100.00} and the other {$1200.00} ) from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
old address wrong last name on my credit personal informations

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 2020-06-07
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have called regional finance several times and asked for covid 19 assistance,, they have informed me they could help, that was back in XXXX or XXXX but the lady told me since my payment was not due to wait tile the amount was due and then ask for a deferrement, I did, After I asked for the deferral I was furloughed. I have been out of work and I have told regional finance that I have been furloughed. The company keeps calling me and harrassing me asking for payments knowing that I requested assistance becuase of covid 19. I have called their corporate office and she informed me that they could renew the account but could not deferr the payment since they have no covid 19 assistance program and there can only be one deferral at a time. I humbly request that someone help me. I have talked to the manager and the ladies at the regional finance location and all they seem to care about is when I am going to make my payment. I am so streessed out right now it does not help with someone like me with a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PAYPAL INC by mistake deposited the amount of approx {$1200.00} in my personal ; bank account, I spoke with two representatives and one supervisor about this problem and PAYPAL instructed me to submit a personal check to the PAYPAL Accounting Dept. Thus, immediately after, I returned the funds four weeks ago via personal check.

I have mail confirmation that they received the check in full payment.

However, PAYPAL is making collection calls asking for the payment of {$1200.00}. I offered to place a stop payment on the initial check and send another check or provide my check number and bank information for PAYPAL to take the funds. However they blatantly refuse. Instead PAYPAL insist that I must open a PAYPAL " cash account '' with them in order to make the payment. This is a unfair practice an illegal. PAYPAL is forcing me to open a PAYPAL " cash account '' or run the risk of being reported to Credit Bureau. Thus, illegally gaining additional business - from the " error. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}

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 2023-07-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that XXXX, XXXX and Experian are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
My name is 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 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 2021-01-09
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive spoken with Preferred Collections on 5 different occasions and have asked them to please verify who went in for service because it wasnt me. Each time they told me that they spoke to their supervisor XXXX and that she was going to escalate it and request information from the original creditor. Its been over 7 months and still no word or verification letter. On the 4th and 5th call it was disclosed to me that the person was treated at an unknown medical facility for a head fracture. Thankfully me and no one in my household has ever experienced a head fracture. On each call, no one ever disclosed to me the name of the medical facility. The last girl I spoke with, XXXX, suggested it was XXXX XXXX hospital because she had a doctors name and she did a XXXX search. I wouldnt take it as concrete information being that this medical visit took place in 2016. It bewilders me that this company is reluctant to delete this bill off of my credit being that they cant even verify that its mine and do not even know the name of the medical facility it came from. On the 4th call they disclosed to me for the first time a different bill which I verified that it was mine and I paid it immediately. Any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am writing this comment on behalf of my mother who is seeking service from Chase Bank. Her husband passed away in early XXXX, 2021. Since his Chase credit card is frozen, she needs to apply for a new credit card to pay her bills. Chase Bank sent a letter to her on XX/XX/2021, with a direction for her to contact the credit reporting agency, XXXX XXXX, to allow Chase Bank to access her credit report. Then, call Chase Bank once she contacted XXXX XXXX within 14 days of the date of this letter. 
On XX/XX/2021, after XXXX XXXX was contacted, I help her to contact Chase Bank via the phone number and reference number provided on the letter because of the language barrier as she speaks XXXX. It was about XXXX XXXX. We made 3 attempts over an hour of our time but failed to talk to a representative with the direction prescribed by Chase. This phone line has no language option, only in English. They put us on a long hold uninformed. Another representative left us on hold for 35 minutes insisted to find a XXXX-speaking representative without even asking my mother which XXXX language she speaks ( XXXX ). 
The lack of Chase Bank representatives to assist customers because of a language barrier failed to provide a fair opportunity of credit card application to my mother. It is absolutely unacceptable from a big bank like Chase. Additionally, they misspelled her first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 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 2019-07-05
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On the evening of Friday, XX/XX/XXXX I decided to review all of my account statements from Regional Acceptance Corp to determine why my balance appeared to be high despite the additional payments I've been making since XXXX of this year. I found a few items that caused me a bit of alarm My account statements began reflecting a higher balance due in XXXX and have maintained the entire year. Instead of the {$390.00} car payment agreed to, I am consistently charged an unexplained additional cost of {$40.00} and the total amount due reflects {$820.00}. 

I found that I am being overcharged and my additional payments have not been applied to the principal as expected. This practice hurts me tremendously because I'm already paying high interest rates. It feels like I am caught in a web that makes it impossible for me to pay off my debt. 

It came to my attention that when I was making every effort to pay down my debt and sometimes making multiple payments my past due balance was increasing. I don't understand how that happens. 

My statement currently shows a past due amount though I am not past due and I've been charged late fees despite paying ahead of time this year. A request will be made to look into this issue as well as credit back the late fees and remove any inaccuracies. have written a letter that I will be mailing to Regional Acceptance Corp detailing my grievance. It will be attached with the other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: KLS Financial Services, 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Avadyne Health Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted H & R ACCOUNTS INC ( original creditor : XXXX XXXX XXXX XXXX ) at the address of XXXX XXXX XXXX XXXX, IL XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$640.00} that is being reported on my credit reports ) and to show proof that this company owns the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.

Company response to consumer: Closed with explanation