BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Westlake Services, LLC
State: FL
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 XX/XX/XXXX an account was opened with Westlake Financial Services , with me as a cosigner to this auto loan. 

2.The respective owner of the car made payments from XX/XX/XXXX - XX/XX/XXXX. 

XXXX. The account was deemed 30 days late on payment on XX/XX/XXXX, followed by a " Repossession '' status from XX/XX/XXXX - XX/XX/XXXX, then to a " Charge Off '' status from XXXX Current.

4. On the first week of XXXX of XXXX, I had received a letter from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX representing said company reaching out to me to with a claim that Westlake Financial Services filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account. 

XXXX. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

XXXX. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

XXXX was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX and XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XX/XX/XXXX. 

9. Now I have been trying to contact Westlake Financial Services in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from 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 2023-03-13
Company: Frontline Asset Strategies, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received an alert from my credit monitoring company advising that a collection had been added to my XXXX credit report. When I checked the report, I saw a {$190.00} collection account had been added by Frontline Asset Strategies. There was no original creditor listed and I knew that I did not have any delinquents and I had not received any correspondence regarding this. Therefore, I disputed the collection with XXXX who then supplied me with the proper information including the original creditor which was XXXX. I contacted XXXX on XX/XX/2023, and spoke to a financial specialist who determined that I, in fact, did not owe them any money but since the debt had been sent to collections, she transferred me to her supervisor to help get the matter cleared. The supervisor also agreed that I did not owe any monies and the mistake was on their end as my account was not closed out properly. The supervisor, with me on the phone, then called Frontline Asset Strategies to have them withdraw the collection. I recorded our entire call and on the recording, you can hear the XXXX XXXX confirm with XXXX XXXX, the Frontline Asset associate, on the phone, that the mistake was XXXX 's and I did not owe them any money. Still, XXXX refused to remove the debt. When she realized that both I and the XXXX representative were on the phone together, she said that she could not continue the conversation unless the XXXX rep disconnected. Once, she disconnected, XXXX proceeded to tell me that the debt could not be removed unless I provided additional information even though the XXXX rep told her that the debt was not legitimate. Once I told XXXX that was she was doing was illegal, she hung on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2022. It has now been 53 days since I sent my inquiry but I have yet to receive a response. My inaccurate records on my profile are stopping me from achieving my dreams.

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 2023-11-20
Company: Muskegon Car Credit, Inc.
State: MI
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:
XX/XX/XXXX in judgement amount of XXXX paid to Orbit leasing told Treasury of Michigan in XXXX that the balance was XXXX dollars owed. Received in XX/XX/XXXX correspondence about another balance owed in amount of XXXX odd dollars from Orbit Leasing again. I paid this company through XXXX district courts for fine in XXXX but paid XXXX district court for fine due to Orbit Leasing in XXXX for debt. Also was garnished by Michigan Treasury in XXXX, XXXXOrbit Leasing, I had to let it happen this way because at time I was homeless and mainly living in an hotel and with family up until XXXX of XXXX when I moved to XXXX XXXX XXXX XXXX XXXX MI XXXX 

Case number used to garnish wages XXXX year XXXX for year XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Skopos Financial, LLC
State: NH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off this loan on XX/XX/ with a mailed check. I called one week later, because by the time they cashed the check they withdraw the monthly payment from my bank, so it was an overpay of {$190.00}. The woman told me that they will reimburse me the amount with a check within 30~45 working days. 

I called back on Wednesday XXXX checking about the check and the payoff letter that never arrived. The another womand told me the check was issue on XX/XX/XXXX and should be arriving anytime soon. And apologizes for the delay and the payoff letter will be sent to my email for faster service. She confirmed my address along with my email. 

I never got neither one and called back again this Monday XXXX. Also I noticed my credit report hasn't been updated. I talked with a man and apologized for the delay and a lot of blah, blah, blah. He confirmed again my address and email, and told me someone will be calling me within 24 to 48 hours. Neither the letter is in my email or somebody called me. 

And I started to worried they are some type of con business. I got proof of my payments and the names, date and times of the persons I talked to.

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 2020-03-06
Company: EQUIFAX, 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:
The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed onXX/XX/XXXXXXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a random derogatory mark on my credit report for {$1200.00} and am being harassaed every day, being called every day, 5 times a day from a company I have no knowledge of AT ALL. 

I am XXXX years old and I have never missed a payment and had a 700+ score before this random derogatory mark on my credit. I am willing to do a " Pay to Delete '' if I absolutely have to even tho I have no idea where this charge is coming from. I NEED my credit back to XXXX to buy a house for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 around or between XXXX XXXX I attempted to withdraw {$500.00} off of my PayPal account at XXXX XXXX After multiple attempts I repeatedly got denied on withdrawing funds. I contacted PayPal at least 5 times. The first time they put me on hold for 1 hour and 51 minutes and never returned. Unfortunately, I kept trying to get through and became very aggravated when no one would take my call. I finally spoke to 3 different supervisors who then told me it was their choice and their decision to end my account and they were going to keep all of my money for 180 days ... 6 months! I proceeded to tell them how in the world can they just close my account with no explanation of what I did wrong. One supervisor said they can do whatever they please in which I became very furious and told them I had kids and in really need access to my money. After 30 minutes of talking to them and explaining I was hung up on and now my number is on a do not answer list apparently! In my available balance I have {$1000.00} and my money that they have on hold I have {$740.00}. They said I needed to verify my information which I did! Still nothing. Then they said they would make a decision in 3 days. They made a decision in 18 minutes! No warning or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ID Analytics, Inc.
State: CA
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:
I Mailed a letter to SageStream LLC back in XXXX, XXXX requesting a security freeze and a copy of my consumer report and never received a response. In XX/XX/XXXX I submitted a second request for the same thing via their website and I did not receive a response or email confirmation that the request was even received. I sent a 3rd request Certified Mail that they received on XX/XX/XXXX with no response. I have called the phone number they have available XXXX & left several messages to resolve the issue but again it was to no avail. I have sent personal information such as ID and Social Security # to this company & I think it is very unprofessional of them to not even respond or acknowledge my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last XX/XX/2019 I was fully paid my balances included interest charged.On this XXXX statement I have XXXX balance but they still charged me worth of {$36.00} for this statement.I called the company and I spoke the manager her name is XXXX to requested to waived this interest charged because I have XXXX balance for this XXXX statement .But, she denied my request.Im complaining this company because This not fair to charged me additional interest with XXXX balance in 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 monetary relief
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted disputes and an FTC report regarding a fraudulent account on my credit. 

XXXX & Transunion : XXXX {$1700.00}

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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was told by Bank of America 's claims department that my provisional credit would be withheld for the duration of the investigation because of the dollar amount. The representative informed me that the investigation XXXX last til XX/XX/XXXX. 

I filed my checking transaction dispute on XX/XX/2023. I made this request after XXXX business days. 

XXXX XXXX XXXX ( c ) XXXX does not specify withholding a provisional credit while extending the investigation because of a certain dollar amount. 

I'm ok if the Bank needs more time to finish their investigation. But they are violating federal consumer financial regulations by denying my provisional 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 2019-10-02
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called repeatedly every day multiple times. 

When I answered I told him I was at work and couldn't speak to please mail all items. 

The continued on and said he works the same hours I do and went on and on even when I said I needed to hang up so I wouldn't get in trouble at work. 

He came across very threatening to me. Please pull the audio recording.

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 2021-02-07
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt that is not mine was assigned to Midland Credit. I have spent months writing and asking for copies of documents. I never get a reply. 

Because I am considering federal employment, I need to get this taken care of. On XX/XX/2021 I sent {$500.00} as a full settlement of the matter with a letter that said if Midland Credit Management accepted the money, it would be settled. I am attaching a copy of the letter here. In the letter I am very specific to say that if they did not agree to the settlement, then they should send the payment back. 

They accepted the payment as evidenced by the letter they sent me, also attached. 

Copies of the money order and the mail receipt are also attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit reports and I hadn't checked them in almost 2 years. I noticed a collection charge from CBC for {$650.00}. I quickly realized I had been a victim of identity theft and fraud by my ex-boyfriend XXXX XXXX. 

He put my name on a lease of an apartment where I did not live. I was not with him and I did not authorize him to put my name on this lease. When the lease was started I was married and living with my husband at a different address. He used my information because he had bad credit and I had good credit. He used my information falsely to get into an apartment. 

I can prove this information with a marriage certificate showing my name changed in 2016. He used my maiden name on the lease years after I was already married. 

I also had the electricity turned on in my legal married name beginning in XX/XX/2016 at my true address. I can provide bills for the past 4 years authenticating my address. 

My information was used on this lease without my knowledge. I do not know owe {$650.00} because I did not live in the apartment with him or sign any lease. I only found out about it after looking through my credit reports. XXXX sided with the collection agency and did not remove it from the report. XXXX has not communicated their decision on the dispute I have open with them regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
I've been fighting with these bureaus since XXXX of last year to remove fraudulent information that keeps coming up on my report. They have provided no proof that it is mine, but have claimed the information was verified. At this point I'm ready to sue if this information isn't removed promptly!

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 2020-03-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
ordered 7 bottles of chili sauce on XX/XX/XXXX and received 7 plastic bags of chili sauce with no order confirmation or receipt. Asked seller for refund, firstly no response and the was blamed for fraud. Reached out to capital one and soon be charged back for {$37.00}. Talked to capital one for several times to resolve the issue, but capital one said I need to send back at my own charge. I refused since its not my fault to receive the wrong items. Capital one then asks for 2nd opinion, so I provided another merchants webpage merchandise for the same upc code. Visually they are different and I still couldnt get money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a gift card for {$200.00} as a gift. The card was given to me in an unopened, original package. I tried to use the debit card at a retailer and was denied. I then went to their website to register the card at XXXX. I was not allowed to register the new card since I was told it was already registered to someone else. 
I contacted the customer service department and they told me to fax evidence of ownership including pictures of my ID and both sides of the card. I also included my contact information in the event they needed to reach out to me. The customer service department asked for this information to establish ownership. The first fax was sent of XX/XX/23. I called a few days later and they told me the fax was too blurry and to send another which I did on XXXX. I called again today and was told my new fax was too blurry as well. ( Today is the XXXX of XXXX. ) I have never received any information without initiating calls on my end. It is apparent to me that prepaidgiftbalance.com has no intention of replacing or activating this card. Instead, their intention is to wear me out so they can keep the {$200.00}.

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