BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
DO NOT, I repeat do NOT get a loan from them. They lied to me emailing me about a XXXX dollar promotion as I was looking for a company to finance my first ever car purchase. I had other companies that were willing to finance me, but what hooked me was the promotion as I planned on using it as a months payment as I budgeted my expenses. This turned out to be a flat out LIE, as I was at the dealer ready to sign they tell me that the promotion is only valid for people who REFINANCE through them, which was NEVER mentioned in the email or the subsequent calls I had with their agents, up UNTIL I had to sign for the car. I had no choice but to sign as I was already there at the dealer excited to drive away. I later emailed and called Westlake Financial regarding this FALSE ADVERTISING and they never replied to a SINGLE one of my emails in which they asked me to submit he proof that they sent me said email, because according to them they had no record of said email or the preceeding calls mentioning said promotion. I submit everything they asked and got NOTHING, absolutely NOTHING in return. They didn't reply to anything. Trash company with predatory lending and false advertising.

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 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Identity theft, unknown person took a car loan/loan for {$20000.00} under my given title XXXX XXXX XXXX Here are the details below : Acc type : Revolving Condition : Open Responsibility : Authorized user Payment status : current Creditor info Bank of America Account age 8months Opened on XX/XX/year>

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 2024-01-25
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me.

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report.

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX  days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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.

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 explanation
Consumer complaint received 2024-01-24
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CREDIT COLL XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX I applied for a received a Citi XXXX XXXX account and was a card holder in good standing until XX/XX/XXXX when citi abrubtly decided to close my account. 
Closing the account resulted in negative points on my credit report, while still having to make on time payments and pay interest. 

Upon learning of this I contact Citi executive offices due to my disappointed. After investigation CITI revealed the reason for the closure was due to a debt that was charged off in XXXX and sold to a debt collection company in XXXX. This was concerning due to a number of reasons which Ill explain below.

1. Citi pulled a credit report prior to deciding to reissue the card without notice of the credit check. 
2. Citi reviewed internal records to make an adverse decision that affected me and according to the FCRA this was done incorrectly and caused damages to me.

3. Citi has started company wide layoffs and informed regulators that this is due to a drop in revenue. However it is clear the drop in revenue is being caused by citi themsleves by shedding on time paying customers for no reason.

4. CIti SOLD the debt and no longer owns it but makes decisions based on the debt. 

These reasons are concerning but most important is the fact that Citi themselves had trouble and needed a bailout from the American people due to their financial decisions in XXXX. Now in XXXX after being a good customer and never being late Citi decides my past financial decisions should affect my current life. 

When pressed on this issue and reaching out to the Executive office of Citi I'm told its a private business and they can do what they want even violate the FCRA and cause personal damages to me. When reading online of other peoples issues of same its clear CITI makes adverse decisions to card holders and account holders with ZERO accountability and hides behind being a private business... ..yet is publicly traded on the stock exchange. 

Lastly the card was obtained AFTER the debt had been sold and been in good standing so looking back 7 years to a previous debt WHILE an account holder makes no sense.

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 2024-01-24
Company: CCS Financial Services, Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never receive any notice of this bill the collection left a message on XXXX XXXX I call them back as how much to settle I was told XXXX and I said I do not get paid until Friday the XX/XX/XXXX and I call on that day and paid the settlement of XXXX so if they took my money on XXXX XXXX so after almost a year later on XXXX XXXX they reported this to all credit reports as a collection on XXXX XXXX I would like for this to be removed for reporting false information file number XXXX need to investigated

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX, I submitted an application in a consumer creditor transaction ( XXXX XXXX  XXXX XXXX XXXX for a Bank of America business credit card . A few hours later I received an email stating my application wasnt approved. I then called the underwriter/credit analysis department and asked why wasnt my application approved? The underwriter responded that there was some XXXX  determining factors for denying me. I then replied that those factors werent reasonable enough to not approve my application. And that, Im the original creditor extending credit in this transaction, so how is it possible I can be denied credit? I gave Bank of America the application for an exchange of credit and they never gave me anything in return!

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 2024-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2024 i submitted an application for a consumer creditor transaction to extend credit to Bank of America for a {$50.00} business auto loan. A few hours later, I received an email that my application was not approved but denied. I immediately contacted the underwriter/ credit analysis in regards to why I was denied. After hearing the determining factors from XXXX requirements. I then stated that Im the original creditor in this consumer creditor transaction and that none of those reason were valid for a denial. I then stated that the mere submission of the application was the promissory note that granted the credit or tendered payment! I gave Bank Of America the application for exchange of credit and I never received anything!

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 2024-01-23
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX XXXX I received a notification from my credit monitoring service that a collection debt was placed on my credit record. The company is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX  XXXX phone ( XXXX ) XXXX. According to credit report original account was opened on XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX for {$990.00}. I contacted the collection company to get more information on this debt and they refused to provide any assistance as my birthdate and address does not match what they have in the fraudulent account. I did not open any accounts with XXXX XXXX XXXX XXXX on any date. This fraudulent debt is a stain on my credit report and a huge hit on my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/year> I was charged exorbitant international fees totaling over {$10000.00} on account # XXXX to a phone line assigned to a XXXX I am uncertain if these charges were incurred by the XXXX that was assigned to that account, but clear that I did not authorize such substantial fees. 

I find it disconcerting that, unlike other consumer focused companies, XXXX does not suspend services or seek verbal consent from the account holder before charging excessive fees. This lack of precautionary measures places an undue burden on consumers. 

I also was proactive and contacted a XXXX representative before embarking on a cruise clearly outlining my destination, XXXX. I was assured that no extra protection was necessary to avoid charges as international fees would not be incurred in XXXX. Regrettably, this information was inaccurate, and the resulting fees have now been added to my credit report. This has led to the denial of access to credit and is impeding my ability to make necessary life changes. 

I request an immediate investigation into this matter, the removal of the unjust charges, and rectification of the impact on my credit report. 

Sincerely, 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 2024-01-23
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services claims I owe an amount of {$1400.00} to XXXX XXXX XXXX. This balance appears to reflect coverage from after I switched to another insurance company, XXXX was provided with proof of insurance and as I recall, one or two reps verified receipt. I switched companies several months ago from XXXX XXXX to XXXX XXXX, proof of insurance was emailed to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account was settled via insurance check and the account was charged off. Multiple customer service reps have stated that this was a system error yet I still have a charge on my 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 explanation
Consumer complaint received 2024-01-23
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
On XX/XX/2023 Transworld System INC was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 

15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

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 2023-12-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My friend sent me an amount of {$1100.00} on XX/XX/XXXX  in Paypal. It was a Paypal to Paypal transaction. It was my friend 's first time to transfer funds to another Paypal account. She mistakenly sent it under " Sale of Goods '' instead of selecting " Family and Friends '' which I believe made the fund to be put on hold. 

I already requested to release the money because we will use it to pay important bills and hospital bills but they didn't provide us any further help about our issue. We understand that there's a policy but we did not do any illegal activity. We got our money working from out remote clients as a virtual assistant. We just wanted the money to be released right away and do better next time in terms of sending funds. 

We want to complain about it because it's not fair to hold our money for 21-180 days just because my friend just didn't know how to navigate the online app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a SAVE repayment plan XX/XX/2023 for student loan repayments. As of XX/XX/XXXX, Nelnet has yet to process my account and continually keeps placing me on administrative forbearance. While on administrative forbearance, I am being charged interest that I would not be incurring if Nelnet would process my XXXX account and allow me to make payments. This interest should be forgiven because it is not my problem that they are understaffed and cant process my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LEXISNEXIS
State: CO
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:
My XXXX XXXX XXXX has an accident on their Lexis Nexis record that was my husband 's. I tried calling to correct and they told me that my XXXX  needed to be with me. I tried calling again with my XXXX  and they need me to upload their driver 's license or birth certificate to verify our identity as my child is XXXX XXXXXXXX. I already XXXX XXXX my XXXX XXXX SSN and DL # but apparently that's not enough. It makes me really uncomfortable to have to upload these items to fix an error that they made and to not have a physical location that we could go to instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I suffered great loss when Bank of America wrongfully froze my XXXX account and reversed permanent credits. Several of my benefit payments were absorbed into the negative balance BofA created. I was victimized by Bank of America and have been deprived of my funds for the last 3 years they notified me to submit an Independent Review Process to XXXX consulting XXXX to seek compensation for losses I suffered. I submitted the XXXX with all supporting documentation on XX/XX/XXXX and called for status several times and again can get no clear answer from anybody regarding status of my request or even a time frame for review of my request. Saying there is no time frame is unacceptable! How long is BofA going to deprive me of my funds???! Yes they are supposedly following what they were ordered to do by CFPB and currency controller office in XX/XX/XXXX XXXX but they still havent made me whole for any loss I experienced and as a consumer I shouldnt still be at a loss Years later! I want to be compensated for my funds I lost in my account my weekly payments that were deposited into the account when they illegally froze my account and all the other tremendous life altering losses I suffered due to their abusive and negligent business/banking practices. This 3rd party company handling the IRP also needs to understand what I and so many others have suffered and step up and do the reviews not just brush us off

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