BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid XXXX to Westlake Financial in XX/XX/2021 to pay off the loan. I checked my credit reports and it did not reflect that it was paid of as of XX/XX/2021. Furthermore the bigger issue is that all my credit reports ALWAYS showed " Current and Pays as Agreed '' with no late marks at all. Now that I paid it off, Westlake has put on the account that I am currently 120-149 days past due and it has seriously damaged my credit. I contacted Westlake and spoke with a representative around XX/XX/XXXX or so and discussed this issue. He looked at the account and agreed it was an error. He said that they would correct it and it should take 5-7 days. Upon checking my credit reports again on XX/XX/XXXX, I see that the remarks still show that I am currently 120-149 days past due.It also says that I am 180 days past due and affected by a natural disaster.This is false reporting!!! ... ... It is not even reflecting that I paid the entire balance off more than a month ago. When I reached out on XX/XX/XXXX again, a different rep started talking about my payment defers that I have had. I indicated that those were payment deferrals and I was told that is not considered late. My credit report has ALWAYS shown on time with no payments over 31+ days. I expressed several times that the reporting needs to show PAID OFF IN FULL and the currently 120-149 days past due remarks to be removed. They try telling me they dont have a way to remove anything. That is incorrect, they are the agency responsible for reporting fair and accurate information. They are in violation of FDCPA and have damaged 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 2020-08-21
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I already paid the {$310.00} debt to Choice Recovery and on my last payment by check I sent him a letter saying it was the last. And I received a bill of collection, when they accepted the last payment and debt paid. 

I include documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
And XX/XX/XXXX I apply for the Apple credit card I did have a fraud alert and a credit freeze I have lifted my credit freeze on my credit file stated that anyone is applying in my name any bank who is receiving my application I need to contact me to verify my identity but Goldman Sachs refuse all theyre telling me is to reapply and thats what I did reapply when I realize that something is really wrong they even ask me for My ID I gave them my ID I still yet they are sending an email stated they could not verify me In XXXX I receive a third email stated that I may have another account open in my name I have asked them the information of that account they refuse to give me it they sent me to XXXX XXXX XXXX XXXX said there not stopping them from verifying me because they are seeing almost XXXX inquiries Pull from them I must go somewhere else and apply for a different credit card and see what happened so in XX/XX/XXXX I apply for a XXXX XXXX XXXX  credit card and a XXXX credit card I was approved in XXXX for the both cards and yes they did call me to verify that I am the one that is applied for the card I do not know if its discrimination thats why them do not want to call me to verify me but if they do not want to verify me they need to take them self off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Home Loan Center, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for some personal loans on a few sites, and apparently my information was sold to numerous foreign groups who started calling repeatedly and aggressively saying they were from legitimate companies like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to numerous representatives who were all promising loans but needed a deposit first. One company did not want money, but {$200.00} in XXXX cards saying that the money would be refunded after the first payment. I called the police and they have opened a report. I called XXXX XXXXXXXX XXXX   and they are aware of the scam. Everyone seemed to be aware but me. I had sent them my ID, and they already had all of my banking information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had my credit report pulled at a dealership for a vehicle loan and there are 5 individual hard inquiries with different dates listed on my credit report now. I authorized the dealership to run it once in order to find a good loan. Im concerned with identity theft since my credit was run on two separate dates. I have one hard inquiry from XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX even though I only authorized my credit to be pulled by the dealership on XX/XX/XXXX. XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX are the other hard credit inquiries on XX/XX/XXXX. I was under the impression that the dealership running a hard inquiry for a car loan would only count as a single hard inquiry since it was done on the same day for the same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is trying to collect a debt that is well past the statute of limitations. They are also trying to get my financial information from my finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score.

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit.

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.

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 2020-11-17
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX, I add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Approximately 6 months ago a pop up came up to apply for the new Paypal cash back card when I signed into paypal. The card is supposed to pay 2 % cash back on all purchases. All the paper work, my monthly statements and the card itself state this. But evidently internally to the company it does not pay 2 % cash back.I have been promised a call from a supervisor numerous times and have never gotten one. I would like the company to be honest about what is going on.

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 2018-05-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid 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/2017 while I was working at my home office I received a text message from Chase asking me if I had used my credit card ending in XXXX  for a {$2900.00} purchase at XXXX XXXX. I replied No.

Chase then told me my account was disabled. I called them. They asked me if I had my card and I believe I told them that I did.

However, this is an XXXX card that I have almost exclusively used for online purchases. I rarely carried it in my wallet and also rarely used it after the new XXXX card came out with 5 % off everything. My history proves this.

After the call I looked for the card but could not find it. I did not worry because Chase told me it was disabled.

A little while later I got a bill including a {$2000.00} plus charge at XXXX XXXX XXXX. I was stunned as I thought the card had been frozen. I did not make any purchase in XX/XX/2017 at XXXX. I have not been in one of their stores in years.

Despite my quick replies and calls to Chase I am being stuck with a charge that I did not authorize.

Please review my credit history and the history of this card. I have excellent credit and you will see the long term use pattern of the card is verified in this letter.

I did not make the purchase at XXXX XXXX XXXX and I do not believe I should have to pay for a purchase I did not make.

Does anyone have access to video camera footage at XXXX? It will prove me right.

I have filed a complaint with my state Attorney General 's office. They have told me to file a police report and to file a complaint with CFPB, too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and All fraud alerts on my credit file.

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 2019-03-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Purchase XXXX XXXX using PayPal. Lens was described as fully functional. After testing the lens I determined it was not, I sent the lens to the manufacturer for evaluation. The manufacturer determined the lens had a defective image stabilizer. The merchant refused to accept a return or compensate for repair. Paypal has 180 day buyer protection. Opened case XXXX. Paypal policy states they protect buyer if item is " Significantly Not as Described claims : The condition of the item was misrepresented. '' The item stated All functions work. The provided evaluation from the manufacturer stated that was not true. Paypal denies the claim anyway. Paypal terms state you may appeal the claim within 10days on their web site - accept where there is suppose to be a button to file an appeal - there IS NO APPEAL BUTTON. Multiple Requests to appeal through secure messaging were ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: MN
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:
These are not my accounts or inquires reporting on my credit report.

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 2018-12-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting that XXXX XXXX XXXX XXXX remove a hard inquiry from my XXXX   credit report. Please review the documentation that supports my claim that my credit being run by XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) was unauthorized. Ive attached a copy of the pre-approval letter from my credit union,  XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) to run my credit due to having already secured financing through my own credit union. 

I am requesting that XXXX XXXX XXXX Property ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have in my XXXX XXXX collection account from I C SYSTEM and I already call the collection company and they said, he cant find nothing in my name or social number, when I tell the person in the IC SYSTEM I have this debit colllection he said he cant take off from m report credit because he cant find anything about the debit account, in my name or social security and I want discharge this because not body know anything from this 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 2020-10-14
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I qualify for loan forgiveness due to school closure. I have filled out the application several times they keep denying it for different reasons the last reason they told me is because I need to prove I was enrolled at the time the school closed. So I paid to have my transcripts sent to the loan holder Great Lakes who again gives me another excuse. conveniently they apparently didn't receive it so I sent them a copy of the confirmation from where I ordered it which shows the email address it got sent to within their company and they tell me that that's not the correct department that handles that kind of paperwork and I would have to try again. They should have all that info to begin with. I feel they are purposely not approving me and that is not legal. If I qualify I deserve to get approved. I was attending XXXX XXXX  college 's XXXX yr XXXX program when they shut down for financial aid fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a home equity line of credit with PNC bank in addition to my mortgage payment with them. I have set up both my mortgage and home equity line of credit with a direct debit from my checking account to pay the balances every month. In XX/XX/XXXX PNC bank changed their internal payment process and it somehow wiped out all of the direct debit accounts for home equity lines of credit. I received a letter in the mail on XX/XX/XXXX that I had missed a payment. 

I called PNC bank on Tuesday XX/XX/XXXX at XXXX XXXX in a phone call that lasted 24 minutes. I asked how I could be late when my account is direct. They said it was an internal error and that I was not late and that I did not owe a payment at all and that the late payment letters had been sent out in error. I asked if I needed to make a payment over the phone and was told that I did not. 

On Tuesday XX/XX/XXXX at XXXX XXXX I received a threatening phone call from their collections department. She said that it was my fault that the bank had not pulled my direct debit. I then told her I could prove there was more than enough in the account. She then backpedaled and said that I would have to figure out why the payment didn't come out. I told her I had called previously on on XX/XX/XXXX and I knew it was an internal error. She then transferred me to a PNC customer service rep who was honest that ALL of the errors were in fact PNC 's fault. He then asked me to sign in online to the PNC payment portal to make a payment for XXXX. He then told me that due to PNC 's error I just needed to pay for XXXX and that they would be liable for XXXX. 

I submitted an electronic payment through the PNC website on XX/XX/XXXX. It did NOT state the amount just that the payment was for the month of XXXX which would be for {$580.00} On XX/XX/XXXX my XXXX account was debited for {$1100.00} which is TWICE the amount. I called chase on XX/XX/XXXX and had them stop payment on the check. 

On XX/XX/XXXX I get a letter in the mail saying that I have now missed a payment and need to pay it. 

On XX/XX/XXXX at XXXX XXXX  I called to see why I was again being charged for payment that they said I was not liable for. They said that even though their customer service rep was on the record as telling me that I did not owe them for the month of XXXX that I did now need to pay for the XXXX. But that they wouldn't charge me a late fee. 

I have done everything right and I have never missed a payment in the whole history of this account. It is not my fault that their internal system went down and then when I did call to make a payment they told me TWICE that I didn't need to. Now my budget is shot and I paid {$580.00} on XX/XX/XXXX. 

Please have them pull all of the tapes and records of the phone calls and have them on the record as being liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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