BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-24
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Loanme INC has been illegally recording my confidential communications phone calls without my permission/consent. They do not tell you at the onset of the call that the call is being recorded. I am requesting that your office please investigate them. I have attached a letter from them via the CFPB that they sent, which states they are illegally recording. 

In the CFPB Complaint in line 1-3 they say We have reviewed XXXX XXXX ( Mr. XXXX ) complaint filed on XX/XX/2019, as well as our records and telephone conversations, all of which are recorded. PROOF THEY ARE RECORDING not only me, but consumers nationwide as well without consent. They never had any previous permission and if they think they did it was under false pretenses. 

I am requesting they contact my authorized representative to resolve. 

XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Loanme XXXX is located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX www.Loanme.com fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: IL
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:
This is my XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NV
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 U.S.C 1681.

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date XXXX Account balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX XXXX number XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of convictions of crimes 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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Westlake Services, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been with XXXX financial since XX/XX/2023. I use them to finance a new vehicle, and ever cents any time Ill do just about anything with the account whether its making a payment trying to deferred payment trying to get information they tack on ridiculous amounts of fees most recently I asked to defer my payment for XX/XX/2023 I have never missed a payment. In order for them to process the deferment request they demanded {$50.00} in fees and gave no explanation other than movement of the account as the reason for the fee. I have tried to refinance and have been unsuccessful and I am at my wits end dealing with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, give authorization for AMSHER CREDIT COLLECTION to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Amsher Credit Collection Services. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: Store credit 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:
re : kohls credit card i never had one someone using my information We have called and written kohls and thought we had fixed and asked them erase any/all of my info then get a new credit card in the mail immediately cut in half and filed then we get billing saying i charged 3 times at XXXX texas store on XX/XX/XXXX  they may be same person who stole and is using my info ( like they did at XXXX  as outlined in my previous complaint ) I am billed by kohls for 3 purchases on XX/XX/XXXX  of {$13.00} and {$110.00} and {$25.00} total {$150.00} on account # XXXX do not have a kohls card did not make these purchases and kohls is not listening

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, 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:
609a1a of the fair credit reporting act Equifax or XXXX XXXX nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( 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 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 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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I noticed my bankruptcy reporting on my credit report around XX/XX/23 I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the XXXX credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/23 stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/23 I then certified mailed XXXX, Transunion, XXXX, Transunion sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. Transunion rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court

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 2023-01-05
Company: AMERICAN HONDA FINANCE CORP
State: CA
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 credit report was checked without my permission at a XXXX dealership in XXXX, CA on XX/XX/2023 My uncle was planning to buy a car at the XXXX XXXX dealership in XXXX, CA and they put down my information as a close relative. I did not consent for them to use my credit report towards a financial plan a car my uncle was planning on buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used PayPal to send funds to a person in XXXX. The locked his account so he could not access the funds sent. When I complained to them, they noted that the funds were transferred, but they will not release the funds. 

I have contacted them to either release the hold on the funds, or return them to me as they have not completed the transaction as agreed. They have failed to do either and are utilizing " Bots '' to chat with me instead of a human. 

This is rather frustrating as I have been using PayPal form many years and now this situation is a huge concern. It is at the very least Fraud. These funds have NOT been release to the recipient, and I have had to wire them additional money due to PayPal not following through on their promise. 

Simply put, they either need to release the hold on the funds, or they need to return the funds to me including the fees paid because the service has not been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed card XX/XX/XXXX. Chase continues to place a charge on the account, which I dispute, which they issue a refund for. This has happened at least four times. When I last called, I was transferred 8 times and spent 90 minutes on the phone. I am being told it is an internal problem and I would receive a call back within 3 days. That was XX/XX/XXXX. I've requested, and been told the charges would not go through again but they continue. A dispute for this same problem was filed on XX/XX/XXXX, claim # XXXX. I want the last charge removed and the card permanently closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
{$1100.00} XXXX XXXX XXXX Current Last Updated : XXXX XXXX, 2023 Account Information Account Status Open Account Type Collection Account Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I didnt not agree for my personal information to be solicited or sold to this collector Nor did I agree to this collector to report to my credit report using my personal information This is identity theft fraud as I did not hold any debt with this collection agency This form of identity theft and unlawful credit reporting is keeping me from buy a home and my ability to secure personal loans and or credit supporting my small businesses with business loans and or credit

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 2021-12-23
Company: Experian Information Solutions 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:
On XX/XX/21, I sent a dispute to Experian regarding XXXX XXXX inaccurately reporting information on my credit report across all three credit bureaus. I later received a response that my credit report was updated ( although I specifically stated I wanted it removed due to inaccuracy ), and I could not find any information updated. I called Experian on XX/XX/21 to find out what exactly was updated and the rep told me he did not know and only saw on his end " the creditor states that all information is accurate. '' ( which, per my screenshot, is clearly untrue. I have attached the three bureau screenshot along with my dispute and their response showing updated, although I see nothing changed. I genuinly feel as though at this point, Experian is not at all even reviewing my complaints. They are just sending responses without doing any investigating.

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 2023-05-22
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX SS XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: STATE FARM BANK, FSB
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Statefarm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings 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:
Hello. My name is XXXX XXXX and I am a XXXX XXXX veteran. I just saw an article about Wells Fargo Bank ripping customers off by charging high fees. I use to be a customer of Wells Fargo a few years ago and canceled my accounts because they were charging me high fees for no reason. When I confronted them on the issue, they said they could not give me my money back because I did not make a complaint within 30 days. This made no sense because I contacted them numerous of times about the fees and they still charged them anyways. 

Wells Fargo was miscalculating the fees and telling customers they would remove them when they did not. Since it did not stop, I canceled my accounts. I was very disappointed in them because not only were they ripping other customers off besides myself, they also targeted XXXX XXXXXXXX with their so called " XXXX XXXX '' accounts. I got no help trying to file a complaint against them and just gave up because these big banks were just doing whatever they want when they want. I was also dealing with another big bank XXXX that was also ripping their customers off. Something needs to be put in place so these big banks can stop discriminating and ripping-off their customers. 

How can I join in on the class action lawsuit against Wells Fargo? 

Cordially, 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 explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-01-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an issue with Synchrony Credit Card account. The account # XXXX XXXX XXXX XXXX had fraudulent activity in XXXX of 2022 in the amount of {$5000.00}. When I called the Synchrony bank in XXXX of 2022 they let me know that the fraudulent activity has been confirmed and the account will be closed. A few months later I receive a bill from another account # XXXX XXXX XXXX XXXX. When I called again they told me that they sent me a check for the balance amount. However, I have never received the check and asked them to put stop payment on the check, which they did. I received another bill in XXXX and when I called they notified me that the check has been cashed. I have never received the check and when asked for proof, they informed me that there is nothing that they can do and no further information would be provided. I spoke with the agent XXXX # XXXX, and XXXX, which refused to provide her agent number. Bank refuses to cooperate or to help resolve the issue. My credit score has been seriously affected by this issue. Please advise.

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