BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an auto loan with US Auto Sales and I made a purchase with US Auto Sales in XXXX of XXXX for a XXXX XXXX XXXX. US Auto Sales went bankrupt. I made my last payment to US Auto Sales in XXXX of XXXX. My loan was for XXXX. I had the car for about XXXX XXXX months before US Auto Sales went bankrupt. A company called Westlake Management started calling and demanding payments on the car I got from US Auto Sales. They stated that I owe over XXXX for the car and my original loan agreement with US AUTO Sales was for {$18000.00}. I asked Westlake Management to show me proof of payment, original loan agreement with my original signature, and host of other documents. I demanded that I receive it in writing on XX/XX/XXXX, and I never did. Westlake Management came and repossessed my car without my knowledge and they didnt let me get my personal belongings out the car. My original loan agreement was in the glove department of the car. Westlake Management is now putting false information on my credit report. I never had a loan agreement with Westlake Management. My loan agreement was with US Auto Sales. Westlake Management came out of no where and they are not located in my state. They are located in the state of California and I live in the state of GA. They call me at inconvenient times. Like, after midnight my time. I am trying to get Westlake Management disputed off my credit and I would like for them to stop reporting to my credit history. Also, I have the paperwork that I sent them on XX/XX/XXXX. US Auto Sales no longer have a customer service number to reach out too.

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 2022-04-15
Company: Fidelity National Financial, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wow where do I start. My closing was over 3.5 hours ago and Chicago Title is unwilling to provide me with my Federal Reference # for a very large wire from the sale of my home. I can not believe they are in a fiduciary capacity. The closing agent ( Chicago Title ) supposedly sent the wire over three hours ago but the wire is still supposedly processing. 

I was put on hold multiple times for a very long time, after being told only the accounting department can provide Federal Reference # s. Ironically, the hold music talks about the dangers of wire fraud for home buyers and sellers and how you need to be extremely vigilant after a wire has been sent. 

I still don't have any confirmation the funds were sent and the buyer was given the keys to the house three hours ago. 

The company said things such as you're not our customer; were not a bank when trying to explain why they couldn't provide proof the wire was initiated, and then told me to [ expletive ] off and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Waypoint Resource Group, LLC
State: OK
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:
My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to Waypoint Resource Group. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue 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 2022-12-18
Company: Block, Inc.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 I got a fraudulent charge from horoscope girls for {$39.00} on XX/XX/XXXX. I reported it to cash app which was where the transaction happened. They sent me an email inform me that they did receive my dispute and would be working on it and then I called him about a 2 week later and asked him in regards to a provisional credit from them due to the fact that I had received an email on XX/XX/XXXX and the 20this when investigating what is complete, and that my provisional credit was permanent stating however, when I went to go look at my transaction history and my statement for the month of XXXX, I saw no transaction for {$39.00}. I sent them screenshots of my statement and I said the screenshot of my transaction history and I got several different responses. XXXX was they had already saw the transaction give it to me on XXXX XXXX XXXX was that they sought on XXXX XXXX then XXXX told me to file a police report and then another one told me that there was nothing else they could do and then the last ones on the chat Service informed me that I need to go and try to download the transaction list and the statements and look at that every transaction should be documented on my account to use The thing I was wanting to know is, where was the provisional credit said no TRANSACTION ITSELF shown on my transaction history or my bank statement for the month of XXXX. Neither XXXX of them show any kind of refund for {$39.00} refunded me the money for {$39.00}. They informed me that before it became permanent I spent the money every transaction unless it didnt go through HAS TO BE DOCUMENTED I understand it can take up to 45 days for them to investigate it but see that I got an email saying that they went through the investigation and verify that I got my provisional credit and that it was permanent. Where is the transaction no refund transaction listed they anywhereboth of them saying the same thing with XXXX different dates and I dont see anything on my statement nor on my transaction history I want my money and pain and suffering for stressing me out and taking up XXXX of my day trying to find out where this transaction is visually located and I have a XXXXXXXX XXXX so I do not have time to be sitting here chatting with them. They need to get a phone support system that works I called the number they have, and they were no better about providing me information. And before they even say anything, XXXX is the name, I use on cash app to protect my privacy. I feel like I should have press charges against him for fraud and theft but Id be pretty petty of me by submitting a police report for {$39.00} seeing that they told me I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Merchants Credit Bureau, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! 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 explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi, I am victim of identity theft because all these accounts are not mine, and somebody just put them into my credit report. This is ridiculous. I am very sad now to see this kind of tragedy of Bureaus failures. Why they can not check and validate before they put in people reports misleading information? My life is divided between before and after because these unknow items killed my score and I can not do anything with it now until you guys help me and investigate who could do that and who stole my personal information. Please also remove these terrible unknow items from my credit report. I would appreciate if it takes little time for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: LEXISNEXIS
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I submitted a request to LexisNexis for my annual copy of the consumer report maintained and distributed by their business XXXX days ago via Certified United States Mail ( signature confirmation ). I have yet to receive this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAINE & WEINER COMPANY, 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:
Debt Validity Dispute I started working as a XXXX in a XXXX XXXX on XX/XX/XXXX, I signed a new contract ( including a credit app ) with a company ( XXXX ), this supplier will provide our XXXX with their products ( XXXX XXXX XXXX, and XXXX ). 

we got a new account number ( XXXX ), and they supplied our store with their product for more than two months, after that XXXX sent me a letter on XX/XX/XXXX that we have an unpaid balance amount of XXXX $ for the period XX/XX/XXXX to XX/XX/XXXX, I contacted them on the same day and clarify that there are two different accounts for the store, owned by different persons ( XXXX Before XX/XX/XXXX and XXXX after XX/XX/XXXX ). 
unfortunately, No response from the company. 

I have Emails show that the second account is fully paid. 

After one month a collection company contact me on XX/XX/XXXX, they asked me to pay the unpaid balance, I explain to them that the balance you asking for is not mine because it is very clear the credit app I signed as a personal guarantor for the store dated on XX/XX/XXXX and the balance you asking for is before this date, so how I will be responsible for a debt owed before I signed the credit app, and the account number for the unpaid balance is different ( XXXX ), I provided the collection agency with different documents proofing my statements and what I alleged, they reply by an email after two days ( thanks for the detail ) with only one sentence, I thought that they understand the situation and decided to stop considering me accountable for this debit, and the story end. 

But after three months, on XX/XX/XXXX I received an email from my bank mentioning a negative activity on my credit score, I checked my account and I found an open collection By ( Caine & Weiner ) for the creditor XXXX XXXX, I requested verification documents for the debit from the collection company on XX/XX/XXXX by email, and the second time I sent an email on XX/XX/XXXX and a certified mail on XX/XX/XXXX requesting the verification documents, Unfortunetlly No any documents sent to me or mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: DISCOVER BANK
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Discover Bank on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Discover Bank then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit 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 was on a work trip in XXXX and happened to visit the XXXX XXXX XXXX XXXX XXXX  on XXXX of XXXX XXXX There were XXXX middle aged men at the entrance of the mall asking for donation to a charity. I was told I could pay {$5.00} using apple card. I agreed. But they charged me {$500.00}. As soon as I realized they took {$500.00} all three ran away. Incident happened exactly between XXXX and XXXX XXXX on XXXX XXXX. I filed a dispute immediately with the credit card company which is Goldman-Sachs serviced through Apple card . They said they will handle my case promptly. But the dispute outcome was not in my favor even though credit protection and scam protection are the reason we use credit cards. The scammers actually had a merchant id associated with them. They didn't even freeze the account of the merchant even though they can clearly see the merchant id used by the scammer. I have also filed a police complaint and have attached the report with this complaint. I tried disputing with the bank XXXX more times to no avail. Even though I wasted so much time and money in this dispute the bank did literally zero investigation on their part. Customer service wise this was the worst service I have received from any bank. Each time I called I had to explain all things from the start meaning they did not have any record of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: KY
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:
Account Name : XXXX XXXX, has violated my rights. 
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
There are 2 listing of the same account reporting on my credit reports for Western Funding Inc. I've contacted contacted company numerous times to have this issue resolved and get no solution. Both accounts show the same inaccurate information, a delinquent account for {$7700.00}. It's a duplicate account. 

XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX, NV 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act - ComenityCB/Gamestop and the Acct # XXXX have 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 an account without my written instructions So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ EQ date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, EX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, TU date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

For XXXX account # XXXX is inaccurate Since [ EX - the date last active is XX/XX/XXXX, XXXX  the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

Also, there's one error of late payment on XX/XX/XXXX. Please correct it immediately since I am not late. I did contact the creditor and Transunion, you stated late due is verified so how it is possible? It seems like you violated my rights since you didn't do the investigation properly. 

demand these account be deleted from my credit report.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this on XX/XX/XXXX or 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 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 2023-07-10
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Rental Automated Debt Collection placed an account on my credit report for {$8600.00}. Ive never received no type of communication from them and Ive explained to them that this isnt my debt. Rep on the phone already told me it was inaccurate information and still will not remove the debt from my credit report. I was told by the rep that they dont have to remove anything from the credit report even if its paid. Also proof of that is on several of there reviews. Theyre also not licensed to report anything on my credit report in the state i reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This is with regard to the XXXX XXXX XXXX Credit Card Account Number ending is XXXX for XXXX XXXX XXXX. I have previously disputed the following charges as per fax in XX/XX/2019. These charges were removed from the account but has been reversed back into the account. These disputed charges total {$4000.00}. 

Also, I was told by Amex Customer service that the late fees and interest charges put on the account related to these charges will be removed in 2019 but they were not removed. Those charges total {$370.00} in late fees and {$2500.00} in interest charges. Hence, I am disputing a total of {$7000.00} in charges ( {$4000.00} in disputed charges, {$370.00} in late fees related to these disputes, and {$2500.00} in interest charges related to these disputes ). 

I was told by American Express that theses charges will be removed as soon as possible but the account was instead put into collections and charge-off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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:
On XX/XX/2020 premium credit bureau received my letter certified mail ( XXXX XXXX ) the manager.there office received my letter in response to an inquiry that has been placed on my consumer credit profile. I've asked premium credit bureau to provide me with proof that I gave authorization or consent to this inquiry on XX/XX/2020 and yet they have not responded and they are in default.

Company response to consumer: Closed with explanation