BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : WestlakeCustomerCare XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was 0 for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be  contacting my senators office. Until I find someone that understands that Im XXXX  and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report XXXX XXXX   XXXX , Westlake reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX XXXX not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Following 4 charges on our Bank of America ( BoA ) credit card were not made by us. They were supposedly made at a health care business in MA. Disputed said on XX/XX/XXXX. BoA issued new credit card but did not take charges off. We called BoA several times and got nowhere. Each time they took the same information down like it was the first time. 

Transaction, Ref #, Card ending, Amount XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$1000.00} Then on our own, we called that healthcare business. 
Owner affirmed that there was no business between us and gave us his contact information. 

We called BOA again and passed that information to BoA multiple times. Still no response or action from BoA. The bill is dueXX/XX/XXXX and we can not pay thousands of dollars in charges that we did not make. Also we believe customers do not pay disputed charges while they are being resolved. BoA said it takes 45 days to resolve but it has been much longer since XX/XX/XXXX. 

The worst part is they take us in circles like a bad joke. No one there knows what is going on. Very bad customer service. Unable to speak to someone who can do anything more that take down the same information again to stall us.

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 2019-04-02
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: Account information incorrect

Complaint:
This account is in forbearance, and it was agree that the item would show as current on my credit report and there would be no late payments. 

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 2017-12-02
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Recently, I have begun tracking the history of my student loan in depth and I have noticed a few discrepancies. 

First, as of XXXX/XXXX/XXXX Navient took over 10 late payments off of my credit report and my report went up 55 points. I have been living for 3 years, unable to get a car or a mortgage, because of my credit score. I had filed complaints with their Office of the Customer Advocate and with XXXX via the XXXX XXXX dispute feature. 

Second, there is documented occurrences of mishandling of my payments, most recently being the payment on XXXX/XXXX/XXXX with {$0.00} going toward principal. They have been misallocating my money for years. Causing deeper problems than I can quickly fix. They mislead my mom and I for years and werent clear on some terms/due dates around XXXX XXXX. They have caused irreparable damage to me and my family. My mom XXXX in XXXX and my loan went up {$300.00} after they sold the debt to another company. I cant afford to input into society like a normal American because of their exorbitant XXXX XXXX/month and no ability to change it. My balance continues to rise on the student loans. 

Third, and lastly, revisiting the issue of misallocating my payments, I am still dumbfounded as to why my 3 oldest loans are my 3 most expensive loans still. This is due to misallocation from my automatic payments that have been set up. There is no reason these loans should be -17 % of the original balance 10 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The first credit card was opened for XXXX XXXX XXXX XXXX  which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX  extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. 

The second credit card was by XXXX Comenity Bank which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the XXXX inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. 

All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Texas Guaranteed
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Currently I continue to received threatening and harassing letters from the company Trellis, who currently has my student loans. They had agreed to take out money out of my wages to remove any negative credit reporting and bring my account to good standings. Not only did I have wages garnishment, but they also didnt bring my account to good standing as promised. They also have not been willing to work with me in the process until recent. They continue to send letters even though the Cares act was implemented into Law to prevent creditors such as these from any type of wage garnishment and payments until XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One credit card services charged {$10.00} for a {$30.00} transaction with XXXX XXXX on XXXX XXXX for financial services. Capital One said it was a cash advance. I never received any cash because the funds were collected by XXXX XXXX. No matter, several customer representatives explained that my agreement give then the right to charge a greater amount as opposed to a lower average fee for cash advances. And thus it was a XXXX XXXX, which I few a a very high rate of interest for a one day transaction. ( I had a {$15.00} credit on my account. ) After talking to several people, Capital One finally said the {$10.00} fee was for a wire transfer. I continued to argue that this was a simple credit card charge, and XXXX XXXX represented it as a credit card charge, not a wire transfer. They failed to explain what are the differences between a credit card and wire transaction. The both use the same wires. Besides, XXXX XXXX represents the charge as a credit card transaction. They were simply charging {$10.00} by renaming the transaction. 

The ref number and authorization code will beaded to the following field.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've called multiple times to get the incorrect information resolved. They told me they would investigate it but nothing has changed. I personally DO NOT OWE ANY STUDENT DEBT! It's causing me a hardship. Also, there's different names and addresses that I've NEVER been associated with. I've reached out to all three credit agencies in XXXX and XXXX, XXXX and just recently in XXXX of XXXX with no avail. I can't get a place of residence because of it. 
I want to seek damages from all three agencies due to causing me such a hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: MN
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 did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2019-04-02
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notified Apex Asset that I did not owe them this alleged debt. They instead reported alleged debt to all three credit bureaus, hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in communication with XXXX regarding an account that does not belong to me. I have received documentation from XXXX stating that they were not able to verify the debt and have asked for the 3 Credit Bureaus to delete from my credit report however the credit bureaus have not deleted it as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, XXXX, and Transunion on notice and they have not complied within 30 days time frame.

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 2017-12-02
Company: CITIBANK, N.A.
State: NJ
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:
My citi card was charged XXXX on XXXX-17 for XXXX internet security a Russian company.Prior to this charge I contacted them via internet and said to not charge my account.I have protection thru my cable company.I also called citi cards and explained to them the rep.suggested we destroy the exsiting card and issue another card with different account numbers so this XXXX company could not automatically charge the new card.This conversation may have and should have been taped by citi cards.My complaint is 2 fold against citi cards for not protecting my credit and against XXXX for charging for something do n't want and by the way never downloaded their info to be used.

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 2019-04-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent two certified letter to XXXX asking for information regarding the alleged debt since I KNOW I never paid anything to them. They have two accounts listed on my credit report as collection accounts paid, when I never paid them anything. They have failed to provide me any information at all regarding these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: RGS Financial, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company calls multiple times per day : " XXXX XXXX '' or something similar, in XXXX XXXX, Va. The person at this number does not owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage in XXXX XXXX when I was off work due to my back injury. I applied for loss mitigation in XXXX XXXX. I went back to work in XXXX XXXX as well. I was approved for a trial modification. I faxed the final documents back to Wells Fargo in XXXX XXXX and began making the trial payments. I made trial period payments in XXXX XXXX and XXXX XXXX. In mid XXXX, I received a letter from Wells Fargo stating that they never received the signed modification documents and that I was being removed from the trial modification program. Up until this point I did not realize that Wells Fargo did not receive the documents I sent. When I called Wells Fargo to clear up this mistake, I was told the only option I have is to reinstate the loan. Wells Fargo scheduled a foreclosure sale for 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 2021-09-09
Company: EQUIFAX, INC.
State: GA
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:
Hello I'm reaching back out to you all regarding a compliant I sent a little over a month ago about some accounts on my credit that are mine. Some of the accounts did come off but there are some still left and some inquires. Please have these accounts and inquiries removed from my credit XXXX XXXX XXXX XXXX XXXX The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm doing this on my own and need some help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Lender has repossessed vehicle with no warning. I have been calling the company for 6 hours and no one will tell me where the vehicle is or what amount I will need to pay for it to be returned. 
The company is GMFinancial. The website will not let me log in or reset my password and the call line has transferred me twice. Given me a bad phone number to call. And told me three different times to call back since Thier " system is down '' I have been on hold for over an hour now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax on XX/XX/XXXX to dispute information on my credit report. 
There are accounts on there that NEED to be validated due to my identity being stolen by a family member. On XX/XX/XXXX ( which is technically AFTER the 30 day mark ) Equifax provided me with a response stating that this accounts belong to me WITH NO INFORMATION OR EVIDENCE to SHOW that these accounts are mine. I have gotten these accounts removed from my XXXX report after they completed their 30 day research with no problem at all! The account they did verify had a XXXX balance and was paid off before it went in to collections/charge off is still showing on my credit report EVEN THOUGH THEY VERIFIED THIS INFORMATION.

Company response to consumer: Closed with non-monetary relief