BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good evening, I got an auto loan in WestLake financial institution company in XXXX. I bought used XXXX XXXX of XXXX. I had been a diligent payer until the Pandemic situation took place in the US, accordingly, I lost my job and all my income. I wasnt able to make a full monthly payment to the WestLake company. I tried to arrange my payment with this company, calling them virtually every day and begging them for help. However, it wasnt successful, they told me that they can not help me with this and I would have to make a full payment, no matter what. I couldnt find money to pay the car, so then they come to my house at night and towed my car with all my personal things in. 
I didnt even get any notice from WestLake that my car was going to be towed. I didnt know what to think, even called the police assuming that the car got stolen. WestLake reaches out to me in few days demanding a double monthly payment plus towing expenses and fees, saying they wont return a car otherwise. The also reported credit agencies, which damaged my credit score. The sum was prohibitive.. I asked my friend to lend me money to buy back my car as I was left without any transportation. As of now, WestLake imposed repossession expenses, late charges, NSF fees on my account. I asked them many times to work with me in this regard, and at least, take the fees off my account. They dont take into account that I have no job, no income, simply, they dont care. Fees are growing, and I dont know what to do with, feeling desperate.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell credit bureaus 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. 
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 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 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Capital one 360 I have transferred funds from XXXX to America-Capital one 360. 
Im suppose to transfer funds for Investment and they denied my transfer. They told me " we don't transfer funds to agency ''. They wasted my time for two days to deal with five minutes transfer. All m information for transfer is correct. I transferred it to external account by pulling it out. They had another option of transferring the funds to external account takes two days. So much waste of time. 

The bank should not have the power discriminating between small companies and big companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Nelnet, Inc.
State: AL
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:
The account was closed and transferred to another company in XX/XX/XXXX. However, the payment status is currently reporting as Late 120 Days. Also, the payment for XX/XX/XXXX is reporting as on time. Then the following month, XX/XX/XXXX, the payment is reporting as 90 days late. I disputed the information with XXXX  in XX/XX/XXXX. They verified the information as accurate. I disputed the information directly with the company in XX/XX/XXXX. They responded with a letter to me stating that the information is reporting correctly and that they verified with the credit reporting agencies that the information is reporting correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX stole late fees from a lump sum payment I made to cancel this fraudulently induced loan per cancel docs. XXXX breached the contract and reports fake fraudulent false info to credit bureaus. Remove debt return embezzled money to 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX 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 XXXXXXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX, XXXX, XXXX XXXX XXXXXX/XX/2023

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 2023-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 604 A Section 2 : 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 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 2023-09-09
Company: EQUIFAX, INC.
State: TX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a job offer for a company called XXXX XXXX ( https : XXXX ) on XX/XX/XXXX. XXXX XXXX, who is a HR Coordinator, contacted me to proceed and sent me an employment letter via E-mail XXXX. I found the job on XXXX.XXXX  conducted a job interview through XXXX XXXX  via XXXX. 

On XX/XX/XXXX I received checks from XXXX XXXX to purchase a remote work equipments. 
He asked me to deposit it on my bank account to purchase the equipments through one of their vendors. So I did so. 

On XX/XX/XXXX, XXXX asked me to send {$2400.00} to XXXX XXXX through XXXX on my Bank of America account. XXXX 's phone number is XXXX. 
I made the money transfer as he said. 

Finally I found out the information that the checks I have been sent are fake. I immediately contacted a customer support of Bank of America to stop the money transfer since it is still in the process. However they are not helpful to stop the transaction even though I am scammed. They told me that XXXX is an automatic transaction, therefore it can not be canceled. 

I think they should make an effort to stop it and protect their customers. 
They are not helpful to solve the problem before it is too late. 

I attached the conversations I had with XXXX XXXX and offer letter I have received.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a business account with them for over 25 years and I wanted my account setup if the money was not in bank not to overdraft my account

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 2021-04-01
Company: CAINE & WEINER COMPANY, INC.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CBC Companies, 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: Account status incorrect

Complaint:
Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. XXXX AND XXXX benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX 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 XXXXXX/XX/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 2020-08-12
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am currently in the middle of financing and this unknown collection account appeared on my credit. I have not received a collection notice, phone call or anything for that matter informing what the debt is for before it was placed on my credit. I have also not been able to reach anyone at this institution. They have 2 different COLLECTION COMPANY NAMES ON MY CREDIT. The name on my credit is Pacific Credit Service Account Number XXXX XXXX and the address of this company belongs to Credit Bureau   Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NV
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:
This letter is regarding the account listed above, which you clam is a collection that i have with your company.I am requesting validation, made pursuant to the fair credit act section 605a 15 U.S. Code 1681C-1 Section 604 15 U.S. code 1681 b Section 605 b 15 u.s. code 1681 c-2 These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: AL
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 USC 1681.

The letters are stated with items and issues. 

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 XXXX 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 2018-11-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have had checking/savings accounts at J. P. Morgan Chase Bank since it was Washington Mutual. I paid all my bills electronically for years, but this year I began getting charged insufficient fund fees while having overdraft protection. 

Upon my investigation, I noticed Chase began deducting funds on the day I paid my bills instead of on the scheduled due date ( e.g. most bills arrived on the XXXX and weren't due until the XXXX of the following month ; but Chase deducted the funds when I entered them on the XXXX ). They claimed I needed to ensure I selected the " pay by '' instead of the " send by '' date. I ALWAYS selected the " pay by '' date. Also, when I checked the status of the payments they deducted from my account, they were all " pending. '' I was constantly transferring funds from my savings to cover the fees and funds they claimed weren't available due to their premature subtraction of " pending '' funds. I felt like I was hemorrhaging money and began ignoring their insufficient fund notices for bills due on the XXXX because my pension and SS checks arrive between the XXXX and XXXX of the previous month. 

I had to resort to paying bills via check or credit card. There's something very, very wrong with this practice. It seems that due to past bad acts, Chase is looking for any way to collect funds from its customers. If I hadn't set up alert notices, I may not have become aware of these insufficient fund charges. I wonder how many other Chase customers, as well as customers of other banks, have been deceived by this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 USC 1681.

The letters are stated with items and issues.

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 XXXX 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