BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/15 I logged online to WESTLAKE PORTFOLIO MANAGEMENT ( https : //www.wpmservicing.com/ ) after recieving mail-notification that I had missed a car payment. This is a debt collector the original auto loan servicer sold the loan to, so they are collecting the same monthly payments. 
Upon logging in I paid {$370.00} which should have more than covered the $ XXXX monthly payment and a {$25.00} late fee. I called them afterwards to adjust my due date, and realized it wouldn't have helped, but the associate informed me that " paying more towards your bill won't satisfy the late fee ''. They told me that to make a paymen that satisfied the late fee I have to CALL THEM because " they have a button they need to hit ''. 
There was no reasonable way for a consumer to know this until they called in to the customer service line, however they make it easy to automatically deduct funds directly from my bank account online - by far the most preferred method of paying bills from any consumer. 
The wrong here is that even though I've paid MORE than expected to bring my account current there is STILL a late fee on my account. The associate didn't even offer to apply the overage payment towards the late fee, he just said it'll apply to my future payments. 
XXXX XXXX XXXX was struck with a UDAAP violation ( I worked there at the time ) for having the same billing practice where if the customer didn't satisfy the late fee, they'd continue to hold the account in late/delinquent status. 
They also call +6 times a day the first day it falls late.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My address is no longer valid and other consumer reporting agencies snd TransUnion and XXXX dont update. They all havent changed my delinquent loans no longer legally delinquent but rather large loans in good standing.My XXXX XXXX card is right on some reports and wrong on others a disputed account in collections involving identity theft years ago is off some reports snd not others. My phone is incorrect. 

Address XXXX XXXX XXXX  XXXX, Ny XXXX Phone 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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Back about close to 15 years I had modified through Bank old America. I had a XX/XX/XXXX XXXX. The house was under financially over XXXX. They modified the 80 % loan, and were suppose to write off the 20 % which was a little over XXXX. The 80 % loan was a little over XXXX this modified. The 20 % loan shows with Bank of America the account was closed or I did not have to pay them. They were very deceitful on the modification. Years later they sold the bad debt to a company that was owned by them or sister company by Bank of America. As time has gone by they sold to other collection agencies such as XXXX. Now almost 15 years later my house is in foreclosure. They said compound interest of what was XXXX now is close to XXXX. They say if I dont pay they will for close. They have address or my home XXXX XXXX XXXX, XXXX, California, XXXX on XXXX under Foreclosure. The young lady who modified loan for me told me to contact you and the Attorney XXXX I did. I need help since I have a wife and a mother in law who has XXXX that I support financially. My wife cant work since she care for my mother in law. She stopped working in XXXX. Since I dont know law or barley make ends meet to hire an attorney I am desperately seeking our organization and Attorney general before I go public with this dishonest company. I know Bank of America was paid to modify loan which they refused to help by giving me the runaround, so I hired an outside company who took it out of foreclosure but failed to modify. Then I hired another company to modify, which she did. XXXX Bank of America accepted modification, but failed to write off the amount that made the mortgage under value market. They secretly sold the bad debt and it has been sold from hand to hand.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX  XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX 1 phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts

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 2023-09-29
Company: Experian Information Solutions Inc.
State: LA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX LA 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 explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX loan DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. The following account are not mine I have never had an account with these companies : DIVERSIFIED CONSULTNTS, Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Chime Financial Inc
State: TX
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:
On XX/XX/2023 {$260.00} was taken out of my account and used at XXXX. This was not me and Chime has not reversed the transaction. Today, XX/XX/2023 sever more transactions were made using my other Chime card. 9 transaction for {$2.00} and 2 transactions for {$5.00} at XXXX and XXXX. Again, chime will not do anything about it. Ive had hundreds stolen at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion has re inserted an sealed record back on to my credit file for third parties to see, that is a violation of my constitutional right to privacy, and it violates the FCRA, the record is off limits to CRA 's. I have attached evidence once again the case is sealed from the public.

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 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: WI
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: WI
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 2023-06-26
Company: Conn's, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX No action has been taken by the company as I have asked to not be called multiple times. I am now receiving calls from personal cell phones ; however, I can not factually identify at this time if the individuals calling me are directly correlated to the business in regards to debt collection. I can say that I receive phone calls within moments of declining ConnsHome Plus phone calls while working. I can say that the individuals that do call simply wait for my answer and hang up. I do have to answer personal cell phone numbers as I am working within the community. This is an abuse of power and I have kindly asked to not be contacted while working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Klarna AB
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XXXX XXXX XXXX i purchased a gift card from klarna in the amount of XXXX for a virtual gift card to XXXX as it is offered on Klarnas website, I put the items in my cart and entered the gift card number as my payment method, Immediately after submitting the order I received notice that my order was cancelled and items were cancelled and my account was completely locked. I called XXXX over and over again and they refused to assist me however they did inform that due to a glitch in their system the accounts lock when you attempt to use a virtual gift card from Klarna, Since then I have been trying over and over weekly to resolve the matter. Unable to get my XXXX account unlocked and klarna will have me on hold for hours on end only to get on the phone and tell me i will recieve a communication within 10 days. When i finally get some kinda of real response its a very generic response and i still dont have my money back this is near 90 days of this issues and my funds being held hostage by Klarna . I reached out to the ceo of Klarna XXXX XXXX today via email however if feel this is unfair to me as a consumer and i would like to make a complaint as while shopping with Klarna we are in a lease contract and expected to uphold our end of the agreement however Klarna is not being held accountable to the same standard gift card order was XXXX the order number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: LA
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:
I reached out to Experian XX/XX/22 to have additional personal information remove from my report the rep I spoke to confirmed the info i request to have thats correct to stay on my report. She verified it would take XXXX hours to be removed. I called Experian again today XX/XX/22 to inform them I still have info that was verified to be taken off its still on my report. They advised the name is linked to an open accounts. It is listed as also known as. I informed Experian I do not go by an alias name nor did I ever go by another name previously. The accounts they are speaking of has collection on it. It can not be in collection and open at the same time. The address Experian refuse to remove I never live there and I told them I never live there before. They said that that address is linked to an open account and I advised them that open account was on my report years ago and this address is just populated on my account. I advised them that I have the paperwork with the address that should be on my report from that company available to send to them but they said that may not help and I have to reach out to the company. I explained to Experian that I spoke to the company and they sent me information to address thats on the account and it is not the XXXX address thats reporting on my consumer report. I informed experian XXXX times that they are violating my consumer right 15 USC 1681B and they did not seem to care because they say they are following their policy and I explained to Experian that XXXX XXXX Supersedes their 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 2023-05-19
Company: EQUIFAX, 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:
Despite of my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts needs to be updated immediatelly : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. In letter dated XX/XX/XXXX received notice from lender, Bank of America, that wind insurance is required to protect its collateral interest in property supporting mortgage loan of {$420000.00}. Said loan had been extended in early XXXX based on house value estimated to be approximately {>= $1,000,000}. Letter indicated that failure to provide would result in bank obtaining " lender placed insurance '' which could be significantly more expensive than what we could obtain in the market. 
2.Lender had accepted coverage without wind since renewal of policy provided by XXXX XXXX    XXXX XXXX on XX/XX/XXXX. 
3. On XX/XX/XXXX, my wife and I began a long delayed vacation to XXXX where we had previously lived to visit friends. As we were to be moving around we could not have mail forwarded. Those who needed to contact us could do so via email or telephone as we had cell phones and laptop with us.I have received many communications from Bank of America both by email and text so the bank could have reached us by those means if it was deemed important.There were two more ground mail attempts to contact us, in XXXX and XXXX. 
4.Upon our return in XXXX we moved to put wind insurance in place which was accomplished on XX/XX/XXXX. On XX/XX/XXXX,, the bank sent a letter saying that lender placed insurance had been bought showing only Bank of America as beneficiary based upon house value of {>= $1,000,000} at an annual premium of {$62000.00}. the bank has subsequently refunded all but {$20000.00} of that amount leaving us with a charge to our mortgage account representing coverage from XX/XX/XXXX thru XXXX XXXX. By comparison the wind insurance that I obtained to satisfy the bank 's requirement costs only {$4000.00}, premium for the entire year. 
5.I am retired, XXXX years of age and can ill afford to be hit with this kind of expense which gives me absolutely no benefit ; would not seem to give any benefit to Bank of America since it was acquired ex-post facto. This is an outrages amount to pay for any casualty insurance policy, and I beg the offices of CFPB to assist me in righting this wrong. I am suffering great stress as a result of this situation and am having difficulty finding someone at Bank of America to appeal to. HELP!

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 monetary relief