BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-04
Company: Westlake Services, LLC
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Subject : Violation of U.S. Code 1681a ( 2 ) ( a ) ( i ) -and U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Account Name : ( Westlake Financial SVCS ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXX Description of Inaccuracy : Inaccurrate Reporting WESTLAKE FINANCIAL SVCS is in violation of multiple laws set forth by Congress in regards to the following account # 1578. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( WESTLAKE FINANCIAL ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( WEST LAKE FINANCIAL SVCS ) shall not furnish any information relating to a consumer ( Me ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows of has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SVCS can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate.

This reporting is unsatisfactory, WESTLAKE FINANCIAL IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In WESTLAKE FINANCIAL SVCS 'S TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WESTLAKE FINANCIAL nor are they " bureaus ''.

I have a right to Privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authoritization I the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a.

THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED Sincerely XXXX XXXX XXXX BENEFICIARY

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 2024-02-03
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
FLAGSHIP CREDIT ACCEPTANCE received an application from the estate and it was transferred and deposited into their financial institution which then the financial asset which serves as the security is supposed to be registered upon books in which it belongs. This note which is the security belongs to the estate that I am guardian/trustee over and Flagship Credit Acceptance is profiting from the estate property from the interest that the note makes monthly. Equity does not perish the estate is entitled to compensation since the goods received were seized.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each phone number on my credit report that was an issue asked them to remove the incorrect information and enquiries.

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 2024-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since XXXX Of XXXX  I have been neglected from overdraft Protection and have been paying fees that Bank Of America are lawfully obligated to pay on my behalf, Per the FCRA as a federally protected consumer I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Bank account with Bank of America 's have not received the proper overdraft protection via FDICs XXXX Insurance coverage.

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
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

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 explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: IN
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:
RE : METHOD OF VERIFICATION/XXXX. 
TO WHOM IT MAY CONCERN, ON XX/XX/2023, I REQUESTED A COPY OF METHOD OF VERIFICATION DOCUMENTS FROM EXPERIAN CREDIT BUREAU TO VALIDATE DISPUTED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. IT HAS BEEN 47 DAYS SINCE MY LAST NOTICE OF THIS LETTER. EXPERIAN HAS NOT RESPONDED TO MY PREVIOUS REQUEST AND I HAVE BEEN IGNORED, YET AGAIN WITH THE SAME COMPREHENSIVE WRITTEN NOTICE OF WE TAKE DISPUTES SERIOUSLY AND IMPARTIALITY SERIOUSLY. NONE GIVEN. I DID NOT SENT IN ADDITIONAL INFORMATION TO EXPERIAN, IF I HAD DONE THAT, IT WOULD CONSTITUTE AN ADDITIONAL 30 DAYS. WHICH IS A VIOLATION OF MY STATE, AND FEDERAL CONSUMER LAW IN ACCORDANCE TO 15 USC 1681i AND 15 USC1692. I HAVE SENT IN THE PROPER IDENTIFICATION POSSIBLE TO EXPERIAN FOR ALLEGED DEBT. LIST OF DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN 'S FAILURE TO RESPOND TO MY REQUEST FOR VALIDATION IS A VIOLATION OF THE FDCPA AND FCRA LAWS AND MAY RESULT IN AN INVESTIGATION OF EXPERIAN BY THE FEDERAL TRADE COMMISSION AND ALL FEDERAL BUREAUS. ANY ATTEMPT TO COLLECT A DEBT WITHOUT PROPERLY VALIDATING WOULD BE A VIOLATION OF THE FDCPA AND STATE CONSUMER PROTECTION LAWS. SHOULD EXPERIAN CONTINUE TO ATTEMPT TO COLLECT THESE DEBTS, WITHOUT VALIDATION, I HAVE THE RIGHT TO SUE EXPERIAN IN SMALL CLAIMS COURT AND SUBJECT THEM TO A FINE OF {$1000.00} PER VIOLATION AS WELL AS MY ATTORNEY FEES AND COURT FEES AS DAMAGES. I WOULD LIKE TO REMIND EXPERIAN, THAT THEY ARE LEGALLY OBLIGATED NOT TO REPORT A DEBT THAT HAS NOT BEEN PROPERLY VALIDATED. I AM SURE THAT EXPERIAN WISH TO RESOLVE THIS MATTER AS QUICKLY AS POSSIBLE AND AVOID ANY UNNECESSARY COMPLICATIONS. SHOULD EXPERIAN FAIL TO RESPOND TO THIS LETTER WITHIN 15 DAYS, I WILL NOT HESITATE TO REPORT THESE VIOLATIONS TO MY STATE ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION.

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 2024-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Provided a complaint in writing and requested a written response. Bank of America will not respond to my complaint in writing, they refuse. There is no way to know how many complaints they receive if they fail to document receipt of complaints and responses.

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 2023-11-22
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a debit visa card / checking account with Schwab- I was on vacation in XXXX XXXX XXXXXXXX XXXX 2 months ago and I believe that a merchant " skimmed '' my card for 2 transactions for a total of usd {$2700.00} on XX/XX/2023 - I reported it to Schwab / VISA and was given a provisional credit while the investigation was on. Now 2 months later I got a letter from Schwab / Visa that says they denied my credit and are taking it back. I have no idea whom took my money and how do I get it back? 

Since I originally got the money from Schwab I did not ask questions. It also happened in XXXXXXXX XXXX XXXX XXXXXXXX And i had the card with me besides when I gave it to the waiter to pay more my diner. I believe that a business 'skimmed or cloned ' my card ( - Im not sure but its my best guess } my card never left my possession. All I know is that someone stole {$2700.00} from my Schwab checking acct. all I know is that XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX money and I am clueless who this is or how I can not be covered my visa? I got nothing - Schwab canceled the card right after I called them and sent me another card how ever they are now taking the {$2700.00} Back in 5 days Please see attached letter and bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have provide with Document should be sufficient to investigate XXXX XXXX to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to Affirm all payments have been made as agreed XXXX have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I noticed that someone stolen my identity back in XX/XX/XXXX and tried to open the credit card with Home Depot. The credit card was issued by Citi Bank, which is working with Home Depot for their store credit card. I don't know why Home Depot/Citi Bank did not stop this from happening, and this person spent a lot money using this credit card under my name. 

I found out very quickly, and I called Home Depot to get this fixed just a week after this person opened this credit card, also reported to the local police. The police came to my apartment and collected all data I can provide to them. Then Home Depot fraud department confirmed with me over the phone that they have this handles and I am not liable for any of the money spent from that credit card. They told me I do not need to do anything, but just wait. If they need further information, they will contact me. I provided all my contact information to them so that Hope Depot fraud department can find me if they need further details. And I never got any message or follow up from the police or the Home Depot fraud department. 

Then this week in XX/XX/XXXX, a guy from Home Depot credit card department called me and asked me to pay the credit card because their fraud department is showing this case is still 'Pending ', and they do not have a 'Solid proof ' that this credit credit is not applied by myself. I told him that this is identity theft, and I already reported to the police and the Home Depot fraud department about this. But still, this guy from Home Depot still said I am liable for this bill.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. 15 U.S code 1692e False or misleading representations XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX. 
XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 
XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
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 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
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've been disputing these fraudulent accounts on my consumer report for over a yea, I am unable to get employment and housing because of the fraudulent item that don't belong to me on my report. the XXXX are abusing their power and making it almost impossible for me to live and have the informed use of credit. I've submitted complaints sent in disputes to no avail. I am a victim of identity theft I have daughter and we are homeless in the winter time it is cold. THESE ITEMS DO NOT BELONG TO ME. REMOVE THEM

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 2023-12-05
Company: Experian Information Solutions Inc.
State: LA
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-05
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Confusing or missing disclosures

Complaint:
MoneyLion has repeatedly violated FCRA, TLA, and MLA. 

MoneyLion requires payment for subscription service with misleading advertisement and will not allow cancellation unless account is paid in full. Moneylion also charges above allowable interest rate to service members and dependents. 

Because of these violations I was trapped in a debt cycle with MoneyLion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XXXX it's XXXX and funds are NOT available. This is a XXXX XXXX XXXX  industry. I need my money right away! Everything in America is overpriced and wages barely allow you to live. You work to pay for banks and the rich portion of America to profit. Soon I will limit my use of all banks and eventually find a way to stop contributing to the American economy. I still feel like a sharecropper in America. Im sure most Americans agree. GET RID OF BANKS THAT TAKE XXXX  days to have access to your money. This is ridiculous

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 2023-12-05
Company: Experian Information Solutions Inc.
State: LA
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:
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 2024-01-29
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Account number XXXX XX/XX/XXXX interest paid {$3200.00} XX/XX/XXXX interest paid {$350.00} XX/XX/XXXX interest paid {$5.00} I have repeatedly requested by contacting the bank where I open the account, by calling their XXXX number and in writing through their on-line email service to state how the interested was calculated by giving me the interested rate, the dollar amount and the number of day they use to compute the interested earned. They only respond with a canned response and not the actual numbers.

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