BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Westlake finiacal showing a balance of XXXX owed when car was totaled in XXXX paid them off I havent had the car in 4months I need it removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: AZ
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:
All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still s hows a BALANCE OWED etc.,  which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: FL
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 haven't been able to access my credit report in two years now. I called last year ( XXXX ) and was told I would be contacted about the problem. That never happened. 
On XX/XX/XXXX I called Equifax as I was trying to temporarily lift my credit freeze to purchase a car. I had no access to the site and was told to call them. The woman said my account was indeed locked and I needed to fax a copy of my SS card, Drivers license with a cover letter with my name, address, telephone # and reason for sending the documents which I did on XX/XX/XXXX to the number given ( Equifax Dispute Department XXXX fax XXXX XXXX XXXX XXXX GA XXXX ) On XX/XX/XXXX after trying to log in and not being contacted the site said to call them again which I did. I was given a case number XXXX and was told I would be contacted via email shortly. 
As of today my account is still locked and I have received no communication from Equifax in any format. They have been given my address, phone # and email multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I pay my credit card bills in full each month. The statement with a payment due date of XX/XX/XXXX was paid electronically XX/XX/XXXX ( confirmation XXXX ) before I had a chance to go over the individual charges. I did later that day, and discovered that NONE of the {$2300.00} in charges was legitimate, called Chase and reported the charges as fraud and " locked '' the card on XX/XX/XXXX. I have NOT made any purchases on this account since then. I have never unlocked the card. 
Chase sent me a new card with a new account number a few days later. The XXXX statement showed no new activity, and a credit of {$2400.00} for the reported fraudulent charges. The XXXX statement showed another fraudulent charge of {$43.00} ( XXXX ). The XXXX, XXXX statement arrived, showing yet another fraudulent charge of {$31.00}, leaving a balance of, per Chase, - {$2300.00}. 
The XX/XX/XXXX statement arrived showing a - {$2300.00} plus {$3700.00} in new, fraudulent charges on a card I never unlocked, leaving a new, incorrect balance of {$1300.00}. I reported the fraud upon receipt and cancelled the card. My XXXX statement showed credits for the XXXX statement fraud, as well as another {$630.00} in fraudulent charges on a locked card, which I immediately reported. Then I received a statement dated XX/XX/XXXX stating " you are responsible for the following transactions '' and all the fraud I reported was suddenly my responsibility because " you received benefit from this transaction. '' This matter remains unresolved, and Chase has reported my " lack of payment '' to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''

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 2023-02-18
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
I was XXXX  from XX/XX/XXXX to XX/XX/XXXX of last year, during this time, I was a victim of fraud, someone took my credentials open accounts everywhere and went into my Chase account, and XXXX them selves money from one account to the other, will both be in my name, but I was in jail, I have tried to deal with Chase for months now they start a total of almost {$27000.00} and I have only gotten back {$6400.00}, this investigation has escalated so much that no one knows whats going on and I need to get my money, they stalled {$27000.00} in Chase allowed in additional {$11000.00} of overdraft. 
Through investigation, I have now learned the name of the suspect is XXXX XXXX, he change my numbers address, emails everything they had to do with my account and created fraud, I keep dealing with Chase here in XXXX. No one knows whats going on so many people have gotten involved in this case that no one knows whats going on in time keeps going by, I need your help. 
I will attach my proof of XXXX  and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Capital One website is extremely suspect, and misleading, making it virtually impossible to find any information about how XXXX if at all XXXX Capital One is helping customers who can't pay their credit card bills at this time due to COVID-19-related issues. This is particularly alarming and frustrating in a time of a global/nation-wide health crisis. 

Their website is a mess of links that keep you going in circles, purposely, it seems. In order to even find their COVID-19 " section '', you need to navigate endlessly through their site, and you'll find it buried in their " About '' section, not in the main page as a link, the way other financial institutions have done it. They have links to the CARES Act, and links to the IRS, but barely anything about how THEY, Capital One the private entity, are helping customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-04-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I contact Westlake Financial regarding account # XXXX on XX/XX/29 requesting an amortization schedule for my loan and the amount I would need to have only 9 payments remaining. The first agent I spoke to at XXXX gave me a suggested amount but couldnt confirm the amount and when asked for information pertaining to further details in the interest my call was disconnected and I was sent to the survey. I then called back again at XXXX and spoke with another agent whom I asked for the amortization schedule again who told me he had never heard of such a thing. He placed me on hold to contact manager who advised him that Westlake does not provide that information. I asked for clarification as to why and the agent said again we dont give out that information. Im not sure why Im being denied this info and why it is not available but it is a document I needed to proceed with a construction loan for a new home for my family.

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 2021-06-30
Company: EQUIFAX, INC.
State: FL
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 writing to dispute the following information on my file. I did not make the charges. The information listed in IDTheft Report does not relate to any transactions that I have made. It is the result of Identity Theft. Also, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Fairway Independent Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA loan from Fairway Mortgage and endured an overwhelming disregard for accuracy in processing the loan and resulted in my Real Estate Broker questioning the loan processing. During this time it was falsely disclosed to my Broker that my rate was set higher due to a prior default on a VA loan. This is blatantly wrong on two counts the first of which it would be a violation of the Fair Credit and Reporting Act to disclose any information from my credit file and  secondly to fail to disclose to me, borrower, reason for a higher rate. Lender refused to acknowledge a violation and continued to delay my loan closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Their investigation did not fix an error on your report

Complaint:
Transunion keeps violating my rights. I have severe XXXX and staff keeps hanging the phone up. I sent my documents over 25 times to fix my name.No one is hearing me out about my concerns.They keep sending responses back to cfpb saying they are not going to fix the problems. I am not getting any XXXX accommodations when I call which is a violation of the American XXXX act and staff is keep being rude. I asked so many times remove suffix sr from name.Transunion claiming that they never received my ID and SSN card even I submitted it through cfpb site over 20 times. 
I filed a civil lawsuit last week because of ongoing incidents I am having with Transunion.The name and inquiries are not mine. I dont know what else to do. I am hearing impaired they keep hanging up on me and being XXXX towards me.

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 2018-07-03
Company: SYNCHRONY FINANCIAL
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:
I ordered some outfits online paying with my PayPal credit account when I received items from XXXX the items where to small inappropriately to small nd not true to size I contacted company with just a general email asking me for photos with items on to prove they dont fit I responded it was not appropriate to send half XXXX photos since nothing fit I then disputed it with paypal they denied all my claim saying they fit but how do they know it's my body nd the lady at paypal told me to prove it then I tried telling here again they are dresses where my XXXX and XXXX are hanging out nd I didnt feel comfortable going outside in them why would i send people half XXXX photos over seas she didnt know just to say nd refused to transfer me to a manager

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 2021-06-29
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 my son called American Express to get the address where I could send a letter requesting the company to cease and desist contacting me regarding my debt as provided under the Fair Debit Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p. ) The representative handling me ( XXXX, employee XXXX ) and his superior ( XXXX employee XXXX ) in the XXXX call center refused to provide this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In the month of XX/XX/XXXX, I applied for a loan modification with Bank of America.

I was denied a loan modification on XX/XX/XXXX. The reason given by Bank of America were the following : 1. Unable to verify Income.

2. Unable to verify Ownership or Occupancy of property. 

The above reasons to deny me a loan modification are erroneous and false. 
I occupy my home and it is my primary personal residence. Further, I have a business and file taxes each year to demonstrate I have a source of income. 

The denial of my loan modification is an attempt by Bank of America to wrongly deny me a loan modification to save my home from foreclosure. 

Bank of America is intentionally misleading me in approving me a loan modification to deliberately Foreclose on my property and strip me of my equity.

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 2018-03-28
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX and begin monthly payments of {$480.00} on XX/XX/XXXX thru XX/XX/XXXX timely with no late payments. I had financial difficulties and had trouble making the payment. On XX/XX/XXXX my husband had a car accident in the vehicle ( to no fault of his own ) but it took three months for the repairs to complete and caused additional financial strain because car rental costs that exceeded the coverage had to be paid. The vehicle was released from the auto body shop and two days later XX/XX/XXXX the vehicle was repossessed for having past due payments of {$1700.00}. On Monday, XX/XX/XXXX the {$1700.00} was paid in full by my mother in law via checking & routing but Bridgecrest will not release the vehicle. Instead, they are holding it for an additional 14 days in order to collect more fees and transfer the vehicle to the state of Nevada and charge me transportation costs, repo fees and redemption fee for the auction place in Nevada. My mother in law confirmed with the bank that monies have been deducted from her account yet Bridgecrest will not honor this transaction. My other issue is that Bridgecrest will not confirm any cost in writing, I spoke to XXXX once, XXXX once and XXXX twice whom all said that if I pay {$1500.00} I can receive my vehicle and work out an arrangement for any additional costs, instead I received a Notice of Intent ( NOI ) letter that request {$2800.00}. Over the phone I'm being told that the NOI is standard and those fees aren't guaranteed either and to accept their verbal agreement but since the past due was paid via checking & routing instead of debit/credit I'm being penalized. I need for this vehicle to be released immediately because all of the past due is current and I have a new payment coming up next week. This is a great cheat and the finance charges are extremely high and overwhelming. I want to add that I also have a second loan with the company with a perfect payment history but it doesn't matter to them, all they want is to make people with credit challenges worse when they have a hiccup in payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX# XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXXXX/XX/XXXX -- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX reported an open and up to date account on a capital one card.I asked for this card and he said it was showing closed a few years ago on his end.There are also recent inquiries on the account.Anything automotive related is me and a chase bank for a checking account today was summited today.It kicked back a we are sorry, and reported to XXXX.Which is what lead me to check XXXX XXXX today.I received emails and things in the mail saying I was part of 1 or 3 breaches that recently happen.Im not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2018, I have asked XXXX, TransUnion and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

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