BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Westlake Services, LLC
State: TN
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: Investigation took more than 30 days

Complaint:
Re : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( XXXX ) XXXX XXXX XXXX of XXXX, Tennessee, and ( 2 ) West Lake Financial Services. 

XXXX Recall Information was provided too Westgate Financial and XXXX XXXX, in XXXX of XXXX!! 

As the car finance company, Westgate Financial proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX 

My XXXX XXXX XXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop. 
Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) XXXX slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway. 
XXXX XXXXXXXX XXXX XXXX XXXX transmission. 

Despite XXXX recalling XXXXXXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX  due to Bad transmission. 

In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!! 

XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. 
During late, XXXX and early XXXX, my XXXX XXXX  transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator. 

I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX XXXX  This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX  transmission with the fix reprogramming of the Transmission Control Module ( TCM ). 

XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH. 

During the last 6-plus years, Westgate Financial reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!

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 2017-12-08
Company: EQUIFAX, INC.
State: OH
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:
There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX  Equifax, and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: AFNI 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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since XXXX continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Solutions. Along with a plethora of fraudulent credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received any notice or call from the company Portfolio RC. I had a credit card with XXXX XXXX years ago. When i was going through XXXX  XXXX XXXX XXXX and a divorce at the same time my ex husband used my credit cards. I have tried to contact the creditor as well as the credit bureaus but there has been no resolve. I also put a fraud alert on my credit reports. 
There is no telephone number or company information listed for Portfolio RC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Kimball, Tirey & St. John LLP
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a debt collector at Kimball , Tirey & St. John LLP dated XX/XX/2021, stating that I the consumer owe a debt in the amount of {$7200.00}, which I later found to be a violation of the Fair Debt Collections Practices Act, 15 USC 1692b ( 2 ). Upon receiving this letter demanding payment I reviewed the FDCPA and found numerous violations within the letter I received from the debt collector at Kimball , Tirey & St. John LLP. I then sent the debt collector a notice in affidavit form via Certified Mail on XX/XX/2021 highlighting their failure to comply with the Fair Debt Collection Practices Act with supporting documentary evidence attached and instructed the debt collector to cease and desist and mail me a check in the amount of {$48000.00} for damages owed to me due to their willful non-compliance of the Fair Debt Collection Practices Act pursuant to 15 USC 1692k. Identity theft may also be prevalent as I did not give my location information or identifying information directly to any third party debt collectors. The debt collector at Kimball , Tirey & St. John LLP also does not have my direct consent to communicate with me in connection with the collection of any debt which is a violation of 15 USC 1692c ( a ). As of XX/XX/2021 Kimball , Tirey & St. John LLP is still reporting inaccurate and false information to several consumer reporting agencies that has damaged my consumer credit reports which has hindered my right to use my own credit. False and misleading representations are being used by Kimball , Tirey & St. John LLP in order to collect a debt they are not rightfully owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
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:
My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN 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 2020-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: VW Credit
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I noticed an unauthorized transaction on my Coinbase app in the amount of {$6800.00}. I notified Coinbase immediately by their phone system which only allows you to notify them if your account is suspected as compromised. I received an email from them on the same day, acknowledging the unauthorized transaction. The next day an ACH debit was initiated from the bank account that I have on file with them, but as the account never has that amount of funds in it. It did not go through. I notified my bank of the unauthorized transaction and the fraudulent use of my account and that the ACH should be stopped. They stopped the ACH and the funds were not taken from my account. On XX/XX/XXXX I received notice that fund withdrawal was suspended for my account. The next notification, on XX/XX/XXXX, was that they were recovering the funds from the transaction by selling the currency in the account. On XX/XX/XXXX, I was notified that 'recovery was complete ' and that 'account restrictions have now been lifted '. I have emailed on XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, hoping for any reply but have received none. They do not have a customer service line to speak with a real person involving my account. I am afraid that I have lost my funds in the account since I am still not able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Signed up for XXXX Credit Card. 

2nd payment problems started : In order to set up 1st payment, a bank or debit card must be added and authorized. Rounting numbers and account numbers were entered. 

Customer selects a schedule payment date. All indications to this point alert that it is a reocurring date that you are selecting. Customer is actually only scheduling a ONE TIME NON REOCURING payment. 

I recieved calls alerting me my account is past due and a late fee. The game is to entrap customers into thinking they have made a reoccurring payment and then trick them with a late fee. Once you call in, when this happens, this uses up the one and only late fee grace period per year, making it seem like they extend you good will. And now making it much more likely you will forget to make a payment in the future and a higher chance they keep the late fee. 

Company should be obligated to provide auto payments or prevented from scheduling payments in a future date. They are clearly the same system, but used selectively for max profit. Company is obligated to disclose that it does not have auto pay and you must pay again manually within 30 Days. 

A helping you from the water with the hand they pushed you in with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, Transunion, and XXXX credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, TransUnion and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel Transunion, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXX XXXXXXXX sold account number XXXX to XXXX XXXX as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXX XXXXXXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXXXXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.

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 2020-05-08
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXXr XXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

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 2021-11-30
Company: Experian Information Solutions Inc.
State: MI
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:
Requested method of verification an item reporting on Experian as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from XXXX on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!

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 2021-11-17
Company: TAMMAC HOLDINGS CORP
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 status incorrect

Complaint:
I had a late payment to Tammac holding corporation what happen is the payment was late and they put it on my credit report as a Delinquent. How can they say it was Delinquent When they were paid. I dont understand this because they receive there payment. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York My email is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX XXXX ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: SC
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:
1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX XXXX were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. Fed loan services has fraudulently reported late payments to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Markoff Law LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is about Markoff Law located in XXXX, XXXX 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call Markoff Law at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX XXXXXXXX nor this Markoff Law. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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