BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: Westlake Services, LLC
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:
XXXX XXXX XXXX  # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX XXXX # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX # XXXX - Collection This is not my account, I have no knowledge of this account please remove it from my credit report. 

WSTLAKESVC # XXXX Collection This is not my account, please remove this from my credit report. 

XXXX XXXX # XXXX - Collection I have never done business with this company please remove this from my credit report. 

XXXX  # XXXX Derogatory This is not my account, I have no knowledge of this account please remove it from my credit report. 

XXXX XXXX # XXXX - closed This is not my account, I have no knowledge of this account please remove it from 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 2020-05-27
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX doesn't work for processing the new Economic Impact Payment Cards being sent out by the US Government.

FISERV and Money Network dropped the ball. 
I received an EIP debit card in the mail yesterday. 
I called XXXX to activate the card and assign a PIN - no problem. 
I registered as a new user at XXXX. Got a dozen different emails about Login ID and passwords with no real problems until the final step : The system said I would be sent an email with a validation code that I would have to enter before I could go any further. The email with the code never arrived. I went to bed. 
The next morning, 8 hours later, the email arrived with a 5 minute window for use. 
I missed the window. Tried again - same thing. 
I called customer service. They said " The system is broken - we don't know if it will ever be fixed. Try going to your bank. '' Folks. if the government is going to partner with a XXXX dollar service company they ought to at least get some assurances that the systems will be tested before sending out XXXX XXXX debit cards. 
ACCOUNTABILITY!

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 2023-06-13
Company: EQUIFAX, INC.
State: NY
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:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

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 2020-07-08
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property taxes have significantly lowered. I have a disbursement coming up this month that is set to go to the county any day now. They are set up to pay XXXX more than what is due and have blatantly ignored my requests for an escrow analysis. Now they will disburse the wrong amount and I am going to have to wait for the county to cut a refund check. I love in XXXX and with covid it is going to take forever. I have sent them my tax bill. Emailed twice. Called and was promised it would be done in 4 days ( weeks ago ) and nothing has been done. My mortgage payment is almost XXXX dollars too high due to the projection as well. I also know that if the payment change is in my favor that the 60 day waiting period does not apply. I want my money back and my payment lowered immediately. They have ignored me long enough. I work for a servicer so I am aware it can be done. I pray my mortgage is sold and I never have to work with this pathetic servicer again. Update my payment. Disburse the correct amount. Analyze my escrow account and make the payment change effective for the XXXX payment. I know the law and I know it can be done. We are in the middle of a pandemic and this company is holding MY money hostage. I also have XXXX XXXX and could use the extra money for medication. Shame on them. They clearly dont give a XXXX about the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian Rep XXXX XXXX regarding two concerns. 

1. A Hard Inquiry that was to removed from XXXX 2. Open Account with XXXX XXXX XXXX which shows no payment for XX/XX/XXXX. 
Payment of {$300.00} on XX/XX/XXXX and Loan Modification deferment contract for XX/XX/XXXX that deferred payment til XX/XX/XXXX. 

Experian Rep could not help despite asking for me to send in the required documentation to him .... Waste of time and fax money.

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 2020-05-27
Company: Aldous & Associates, PLLC
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 am lodging a formal complaint against aldous and associates. This debt collection company has been reporting derogatory info on my 3 credit reports for a debt in the amount of {$110.00} which isnt mine. i have never recieved a dunning notice from this debt collector which gives me 30 days to dispute validity of debt. which is a violation of the fdcpa/fcra. debt collectors must send dunning notice to consumer before reporting. i have lived in XXXX XXXX  at the same address for over 17 years so theres no way i recieved anything from them, not even a phone call. i am in the process of purchasing my very first home and im being told by my realtor that this errounous account being on my credit reports is holding me back. i am requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed next if account is deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I submitted an online dispute to myequifax.com telling them upon viewing my report I notice several inaccurate items, I asked them to please provide me all the information Equifax used to verify these inaccurate late payments. On XXXX XXXX Equifax had completed their reinvestigation and marked the disputes being accurate still and didn't provide me with copies or details of how they got the information, who they spoke with in order prove accurate? The dates marked as late payments was under forbearance. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Repossession expense totalling {$3700.00} I have contacted Westlake Financial various times asking for an explanation. My husband had an accident on XX/XX/XXXX and passed away while driving, the vehicle was a total loss. I informed XXXX, my insurance agent and they immediately paid off the car but we did not have Gap insurance and therefore a balance of {$3800.00} remained unpaid ( please see attached payment history ). I immediately called Westlake and they informed me that I could continue making monthly payment until account was paid in full, I have made monthly payments every month since XXXX. In XXXX, XXXX I noticed an " unpaid other fee '' of {$1000.00} I immediately emailed Westlake inquiring about fee, I later received a letter in the mail ( see attached letter from Westlake ) where they explained they were charging me this fee because those were fees charged to Westlake from a third party vendor for removal and disposing of car. In my XXXX, XXXX statement the " unpaid other fees '' went up to {$3700.00} I again contacted Westlake and this time I spoke to XXXX XXXX & XXXX XXXX ( Supervisor ), they both informed me the car was still at an auction and as long as the car was not sold I would continue to pay the monthly fee. I called XXXX & XXXX sent me & Westlake proof ( see attached ) that XXXX had picked up the car in XXXX, XXXX paid whatever was due and XXXX sold the car XX/XX/XXXX ( see attached proof from XXXX ).  XXXX XXXX told both me and the representative from XXXX they would escalate the case and I would have an update in 24/48 hours. Last conversation took place XX/XX/XXXX, I have called several times and each time I get someone else on the phone and keep getting the runaround. Westlake said these were third party vendor fees, I asked them for receipt and they said they did not have available. Please help I don't know what else to do. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Cash Link USA, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I burrow {$500.00} on XXXX XXXX 2017 I made 10 payments of XXXX and 1 payment of XXXX. And my loan is still not paid of I have paid them {$1100.00} and they still said my pay off is {$510.00} to this date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-25
Company: CORELOGIC INC
State: TN
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: Problem getting your free annual credit report

Complaint:
I have requested a copy of my annual free report on multiple times and XXXX XXXX has failed to comply. I sent a notarized request at the beginning of XXXX to which they responded by mail stating they needed a copy of my utility bill and state Id. I faxed over that information the utility bill had previous and current address on it and they sent me another letter stating to give them a call. I did and verified name, birthday, social security number and address again. The customer service rep stated they got my fax but it didn't have my current address on it. I asked to speak to a supervisor and spoke to XXXX who didn't even seem to understand my call. At first he said he did not have the information that I just requested and then after pushing the conversation he said my ID was not legible. The inconsistent information that I have received is unprofessional and irresponsible. I have sent as stated above more than enough information to validate my identity. There continued failure and violations of my rights is unacceptable and may lead to other legal avenues if not resolved immediately.

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 2023-05-18
Company: EQUIFAX, INC.
State: IL
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 noticed unauthorized inquiries on my report, and I would like them to be removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Porania, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hey I had fraudulent account such as this bankruptcy reporting. I sent in reports for this matter and its been 30 days and no results. By law in 30 days you have to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Phoenix Financial Services LLC
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: Account status incorrect

Complaint:
XX/XX/2013 Amount in collections is {$380.00} On this day there was no XXXX XXXX to see anyone at the XXXX XXXX  so they gave  to XXXX and sent home. Notified them that no medical exam was received and have not been able to rectify this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Received supposed call from PayPal and text message with passcode to reset password XXXX Text from XXXX PayPal : XXXX is your security code. Don't share your code. 

I logged into PayPal and changed password then repeated phone calls ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them. 

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Just found out tonight that I have a social security variation on my XXXX  credit file. I called XXXX  and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting 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 2018-10-15
Company: V and H Portfolio
State: FL
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 is saying I owe them but I dont even know this company they tried to say I owe almost 4000 but its been proven they was wrong reason it was remove off my credit if I knew who or where this company was Ill would pay but never heard of them either company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-04-15
Company: CITIBANK, N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to restrict sales for buyers under XXXX, and not sell so-called bump stocks or high-capacity magazines. This is the job of Congress not a bank. Lets hope they are watching reasonable and appropriate banking practices more that second amendment details. Back in the XX/XX/XXXX - XX/XX/XXXX financial crisis they needed taxpayer bail out because of poor banking practices. Maybe they should stick with banking instead of politicizing banking services.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In XXXX of XXXX XXXX was offering a wonderful deal on unlimited data. We had been with XXXX since XXXX and thought that switching would be great. Since my cell phone line was up for contract renewal I went to XXXX got a new phone but was able to keep my number. Unfortunately XXXX coverage was spotty at best and sometimes non existent. Before the 14 trial period was over, I took the phone back to XXXX and was able to cancel the contract without penalty. XXXX took me back, yet XXXX would not release my phone number so that I could use it on XXXX. A customer service rep at XXXX " fixed it '' for me, and I was able to use my phone on the XXXX network again. What the csr did n't tell me was that he had re-activated my phone on XXXX for about 15 minutes and that made me liable for breaking the contract! I have called and spoken to this company every few months to resolve this and it has never been resolved

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 2019-02-25
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the last 7 days ( approximately ), XXXX XXXX calls over 15 times each day to contact " XXXX XXXX, '' starting around XXXX, with an automated message. XXXX XXXX does not live here and we do not know any such person. I responded to the automated calls to report that this is the wrong number. They continued. 
Then I received a voice mail from " XXXX XXXX '' with a phone number and extension. I contacted XXXX XXXX at XXXX, and told her they had the wrong number. I continued to get the automated calls. I called XXXX XXXX back and she said there is nothing she can do if there are multiple accounts for this person. She was very evasive with any other information as to how to stop the calls. I informed her that I was going to file a complaint. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: HW Holding, 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 am lodging a formal complaint hunter warfield inc. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$250.00}, which i have no clue about because i never recieved a dunning notice before warfield reported on my credit reports, which is a violation of the fdcpa/fcra. debt collectors must send a dunning notice before reporting which gives the person 30 days to dispute validity. not one notice from warfield, not even a phone call. i am in the process of purchasing my very first home for my family and i. now im being told this collection account is holding me back from my dream house. i am requesting immediate deletion of this account from my credit reports. better business bureau, and attorney general complaints will be filed if this account isnt deleted. thank you for your time.

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