BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing regarding Westlake Portfolio attempted to collect a debt that was discharged in a bankruptcy. Westlake bought the auto loan for the XXXX XXXX XXXX from US Auto after the bankruptcy was filed and discharged. I reached out to my attorney who confirmed that although I stated I would keep the car, the debt was never affirmed by myself or US Auto. So basically while they have the right to get the car, they can not add accounts to my credit or attempt to collect on this debt. I disputed this with XXXX on XX/XX/XXXX and received a reply from XXXX on XX/XX/XXXX stating the debt is correct. I called Westlake on XX/XX/XXXX and ask that they remove this from my credit as this vehicle was discharged in a XXXX XXXX The rep told me that they just responded to transunion on XX/XX/XXXX, which they advised the debt is correct. I was not able to get any answers as to why, they refused my supervisor request.

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 2022-01-28
Company: Experian Information Solutions 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 have notified the consumer reporting agencies XXXX, XXXX, and Experian of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting assistance as XXXX has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While XXXX may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower XXXX XXXX. 
I'm requesting assistance to report the payments made which have all been on time and yet XXXX has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.

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 2018-02-12
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a wire of XXXX usd to company called coinbase, the money was to be credited to my account with Coinbase, i planned on using these funds to purchase crypto currency. I was informed via email from Coinbase on XX/XX/XXXX, that the wire can not be processed due to the wire not being sent from my personal account. I was informed via the same email that the wire would be returned within 7 business days. Today is XX/XX/XXXX, almost 2 months since I've sent the the wire. I have submitted multiple cases to which I am receiving no response, I have escalated, I have called, Ive filled a complaint with the Attorney General. I have bills that I am behind on and request your aid in resolving this issue. 

Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle from XXXX XXXX XXXX located in XXXX, SC in XXXX ( account number XXXX ). I paid {$10000.00} down with a remaining balance of {$8600.00} to be financed. I currently have a balance of {$4300.00} of which I pay {$210.00} per month. I've asked the company to please check my payments because I have paid for the car almost 6 years. I've received a printout that shows over 90 % of the payment is against the interest and nothing against the principal month after month. I also show missed payments that weren't applied to my loan. I'm writing requesting all the help I can possibly get to assist me with clearing this loan. This company has me paying 7 or 8 years for an XXXX balance. This is not the way it was explained to me at the time of purchase. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2022 I sent a letter to National Credit System INC, asking them to verify the debt, by sending me paperwork, and verfication of the debt, To day, now 90 days later, they have failed to do so, and have failed to remove the debt. The Credit Bureaus have also failed to remove the debt or provide their verifcation method. I want this debt REMOVED NOW. 

I have also contacted NCS via email and they fail to respond with information. I have gone on their website, they have no record of any debt for me, any account numbers, and no $ listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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:
I previously notified you that I am a victim of identity theft, and Equifax responded that they verified that fraudulent items belong to me. How is this possible? I would like to know how a fraudulent account can be verified, and when and how was it verified?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While researching mortgage rates, I came across this advertisement that was misleading and deceptive. I've attached a picture of the ad to this complaint. I was ready to apply for the 1.5 % rate until I learned that the APR is 1.915 % when you see the small print. I understand federal law requires a mortgage lender to advertise the APR rate at the same font size of the rate and as you can see, the APR is much smaller. This is a deceptive practice and a violation of federal law. I've decided to take my business elsewhere. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account. I was first attracted to open the account due to an advertised banking bonus offer of {$400.00} after making a total of {$1000.00} in direct deposits within 90 days of account opening. After opening an account, I received notification that I don't meet the requirements. I spoke to the bank manager XXXX XXXX who informed me that the terms are different from opening account online vice completing the account opening in person. That was not clearly identified to me at the time of account opening. I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. I called their customer service line to get an update on the request to revert back to the original online terms that XXXX XXXX submitted on my behalf. The agent on the phone said its still pending and gave me no information on why eligibility review was pending. I called customer service once and stopped by the branch in person kept getting a different response on why my bonus offer is pending. I am concerned about the deception with opening the account online and changing the terms after completing the account opening in person at the branch with the not granting the bonus offer for opening the account. Unrelated but I also have a separate complaint regarding this account because they have frozen/locked it after I deposited a check from my mortgage company.

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 2023-07-19
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:
I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and XXXX - Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.

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 2020-01-08
Company: Experian Information Solutions Inc.
State: GA
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 would like to get a reprint of the investigation on XX/XX/2019 please and thanx.

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 2023-01-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX  XXXX {$380.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX  XXXX {$1000.00} In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and the rest of accounts above has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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 2020-01-08
Company: HYUNDAI CAPITAL AMERICA
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 have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my 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 2018-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The Wells Fargo Bank have a credit card on my credit report saying it belongs to me but i have wrote letters explaining this is not my account no action has been taken to remove this account from my credit report. They say the account was opened XXXX XXXX, 2013 and the debt claiming that I owe is XXXX dollars. I checked with the main 3 credit bureaus and out of the three XXXX is the only bureau with this wrong info on my reports, therefore my reports are not matching up.

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 2018-01-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello ... I obtained this loan while attending XXXX XXXX XXXX XXXX. The initial loan amount was for {$16000.00} taken out on XX/XX/XXXX This negatively amortized loan from XXXX XXXX XXXX has to be illegal. I have made most of my payments with some deferments here and there and my total that I owe now is {$25000.00}! My balance increases with making payments every year. I filed bankruptcy in XXXX and should have been able to discharge this loan through my bankruptcy but it was denied. I could n't pay the loan terms then and I ca n't now. I have contacted XXXX 's servicer AES several times trying to modify the loan to reasonable terms and they refuse to work with me. I have made over {$12000.00} in payments yet my balance continues to go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: OK
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:
Recently I had disputed accounts on my credit reports. with CFPB and XXXX and Experian XXXX XXXX. The CRAs were not reporting correctly. The complaint number is XXXX with the CFPB. XXXX has resolved the account reporting problem, Experian and XXXX XXXX has not. The Company that I have the accounts with has notified me that they have removed all prior paying history with all the CRAs and updated correct information. I am not sure why XXXX XXXX and Experian has not updated the accounts and did the same. This is a violation of my fair credit reporting rights and is truly not fair.Hopefully CFPB can help me with this reporting issue listed on the complaint number listed, informing Experian and XXXX XXXX what has taken place.

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 2021-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I took out a loan with this organization. I set up a ledger with them to pay online. I set up an early pay-off plan which should deal with my full balance and encouraged them to process the payments online. I was guaranteed they would do that. I didn't have the sum settled after debited from my card so after signing into their online entry I see that they have recorded for a different card I initially joined with. They endeavored to disclose to me that it was only the name of the bank that was changed, not the record number. In any case, they charged me various expenses corresponding to some late fees that they will not discount, have announced it as late 30 days on my credit report making my score drop. I likewise track down that changing my data is a gross infringement of my monetary data and they would not assume any liability for this and appeared as though they were attempting to cover it up that they didn't include the right installment data after various client support solicitations and they were attempting to gather installment by whatever method with a record that was not in the loan application. Since XXXX has an option that in the event that you pay before 90 days, you pay the specific amount of the credit you apply for, At that point, I did the payout over their mechanized assistance. Since the installment didn't go through they charge me twofold of the sum concurred and are reporting erroneously

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX  # : XXXX XXXX XXXX  XXXX XXXX : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Account must be removed immediately according to the law Account Number XXXX Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$5800.00} Original Amount {$5800.00} Original Creditor XXXX XXXX XXXX ( Rental/Leasing ) Past Due {$5800.00}

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 non-monetary relief