BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to court and I was never asked if I understood why I was there of if I understood the English language. I speak XXXX and I could not comprehend what went on during the court proceeding. The account related to the issue is as follows Account Name : MIDLAND FUNDING Account Number:XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened:XXXX Status Collection account : {$1100.00} past due as of XX/XX/XXXX. 
Status Updated:XXXX Balance : {$1100.00} Balance Updated:XXXX Recent Payment : XXXX XXXX  Monthly Payment : {$0.00} Original Balance : {$1100.00} Highest Balance : {$0.00} Terms:1 Months On Record Until : XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
XXXX XXXX XXXX and the XXXX dealership were notified that the person leasing the vehicle was going to purchase the car in full. Both XXXX and the dealer notified the buyer NOT to pay the last month 's lease payment, and instead, that amount would be included in the buyout payment. The purchase went through smoothly, but in XX/XX/2018 XXXX reported a late payment to XXXX for the vehicle, which is now on my credit history. Other than this false report, my credit is perfect with a XXXX+ rating. 

I called XXXX, and they told me that they don't have a record of this report, and that I have to provide them with a letter to prove the issue. This is not my job! XXXX should be doing everything to fix this! 

Even though it's not my job, I did send XXXX a fax with all of the details. I have also reported this issue to XXXX. Both were done on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Westlake Financial Services is subprime auto lender which illegally harrasses customers. The minute your payment is late they repeatedly robocall from hundreds of different phone numbers. Couple months ago they called my cousin also my boss and credit reference and discussed my late payment without my permission. I expected bad service with my credit situation but this is beyond acceptable behavior. CFPB fhas already filled consent order for these practices but they continue to violate every right afforded by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, The date I sent my money via Paypal is XX/XX/2019. I sent to the email address : XXXX. He was supposed to sell me a service as he promised but he never did. I tried to make him refund for me but he never replied and I have proof of every conversation we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Kay Jewelers. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Midland Funding and the customer service person stated they sold the debt to another company and that all she could tell me. If Midland Funding sold this to another company then why is it still showing on all three of my reports. This is wrong. How I am supposed to know who has this account that they stated I owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
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:
Experian refuses to correct one of my addresses. It had one of my addresses wrong five times. I notified it that none were correct. They did not fix it. Instead, they deleted my address altogether and closed my dispute. I was told over the that they would correct it and they didnt. I wrote a letter and they refused to fix it. I called again and gave them the correct address and they added three addresses that do not belong to me. They wont take my call. When I enter my social security number, Im told I have to submit another letter. Each time I applied for a loan, I am asked to provide my addresses and each time I am told that I have to give an explanation of all the wrong addresses or I am confronted about why I left one of those bad addresses out. I am made to feel like a liar. My XXXX XXXX dropped. My first request was made over 90 days ago. 

Experian Report # 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 2020-11-05
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: Problem with personal statement of dispute

Complaint:
XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2018-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage escrow did not pay our XXXX XXXX property Tax payment on time. The property taxes were do in XX/XX/XXXX and they did not make payment until they were delinquent in XX/XX/XXXX. This resulted in a loss of income tax savings that we would have benefitted from if had they paid our escrow payment on time. We have contacted XXXX repeatedly over this and have refused to acknowledge their delinquency even though we have evidence of the late payment and a record of penalties they paid to the county for being delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
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: Personal information incorrect

Complaint:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-06-04
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to this company requesting documents to verify this debt as well as this company 's authority to collect the debt. I was only sent a billing statement. None of my other concerns were addressed as requested in my letter. This company is also reporting the same debt under different names which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Nelnet, Inc.
State: TX
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:
U.S. DEPARTMENT OF EDUCATION ( XXXX ) U.S. DEPARTMENT OF EDUCATION ( XXXX ) Hello, I have two federal students with Great Lakes. The account numbers are listed above. I had submitted a 6-month deferment request for XXXX XXXX- XX/XX/XXXX to temporarily postpone payments due to financial difficulties. For some reason, during this time, my credit reports reflect late payments instead of the deferment status. I have tried to correct this via credit bureau dispute process but have been unsuccessful and need your help. I work hard and have even made payments during the pandemic while payments were on hold to help pay down balance. The credit bureaus have not been helpful. Great Lakes has not updated my account and I need further guidance as this is becoming a hinderance for me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had an abysmal experience with the Goldman Sachs Apple Card. I have always paid my bill in full and on time. Last month, through no fault of mine, the payment showed up late, because of the way my bank sent it. I called both GS Apple Card and my bank to try to trace the check, and when it still hadn't shown up two days after it was due. I had my bank issue a stop payment on the check and paid my balance in full through a direct payment from my bank that day. The customer service reps with whom I spoke at GS told me that because this was a fluke and not my fault they were waiving the interest, and the two months of interest that is part of their policy if you are late on a payment. ( Apparently, you have to make two months of full payments on time for them to stop charging you interest following a late payment. ) I thought everything was settled satisfactorily after that phone call. And then a week later, I see an interest charge in the amount of {$26.00}. I called GS on XXXX XXXX and was told that interest charge would be taken care of and that it was a mistake. I waited 48 hours and saw it was still there. When I called again today ( XX/XX/11 ), I was told the interest charge did seem odd and that they would look into it, but that I would still be responsible for the two months of interest.

I told them I had been told differently and that I thought this was unfair, given my impeccable credit history with them and in general. They wouldn't budge, so I said I would like to cancel the card. They offered to put a dispute in regarding the interest charge, but again said they couldn't waive the two months of interest. When I asked if I would continue to accrue interest while I waited for the dispute to be resolved, I was told yes. I replied that I would rather just close the account and pay off the balance today. 

They closed the account, and when I went to make a final payment, the Apple Card app ( through Apple wallet ) wouldn't allow me to pay the full amount. I called them back and asked why I couldn't pay, and I was told I couldn't pay through the app at all ( not true ) and that I would have to pay through bill pay or with another credit card. I hung up, paid as much as I could through the app and scheduled a bill pay payment for the rest through my bank to be delivered tomorrow. 

Granted that this whole experience is only costing me about {$30.00}, I do want to share my disappointment in their policy ( which feels predatory ) and in their customer service staff who were all very nice, but told me different things each time I called. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not 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 2019-09-21
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 at XXXX XXXX. PDT, an unauthorized ATM card withdrawal from my checking account was conducted at the US Bank branch ATM in XXXX, California. I am a US citizen but one of my checking accounts is held at the XXXX XXXX XXXX in XXXX, XXXX, so the transactions are recorded in my bank records in XXXX  XXXX ( CNY ). The amount was debited was XXXX CNY   ( approximately {$300.00} USD, based on exchange rates as of XX/XX/2019 at XXXX XXXX. PDT ), along with a XXXX CNY   foreign transaction fee ( approximately {$4.00} USD ). Then, a second unauthorized ATM card transaction of XXXX CNY ( approximately {$810.00} ) USD ) was conducted at the same location on XX/XX/2019 at XXXX XXXX. PDT, along with a XXXX CNY foreign transaction fee ( approximately {$9.00} USD ). My card was not stolen, as it was in my wallet, which was in my possession over 6,200 miles away. I have tried to remedy this situation through US Bank, but they refused to help me. Per the XXXX  XXXX XXXX in XXXX, XXXX, I have dually notified the police but they have not found a solution to my case as of today.

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 2018-03-21
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I want all my information to be verified on all 3 of my credit reports

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 2019-09-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My year of birth is incorrect and I keep getting fraud alerts on my accounts. I am XXXX  years of age and i provided a picture of my birth certificate and my XXXX  records to attach to my credit report for future reference

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 2019-09-21
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I opened a 12 month CD at Marcus by Goldman Sachs using the online portal on XX/XX/XXXX. On XX/XX/XXXX of XXXX, I put in a request to close the cd upon maturity ( XX/XX/XXXX ) and transfer the funds via ACH transfer to my local bank. On the XXXX, of XXXX, XXXX I went online to verify that the funds had been sent to my local bank as requested. I was allowed access into my online account but this account no longer contained any information as to this cd, which is the only account that I hold with Marcus by GS. I could access my profile and prior statements that are generated on the last day of the month but there was no information concerning the cd in question, its interest paid at maturity nor the present value of cd. It was as if the account had vanished into thin air. The online account does not even list this account as closed, it simply is not there, I called customer service and was told that the funds had been remitted via the ACH system. When I asked for some written verification that this had been done or to be sent a copy of the account being closed and the monies being sent, I was told that the representative I was speaking to would REQUEST that a verification be sent but that it would have to be sent via the US Postal Service and she also stated that she did not know how long it would take for such a request to be honored to which I replied that this would not be acceptable. The representative stated she could do nothing else for me. 

As of the present time, the funds have not arrived at my local bank. I realize that this can take up to 3 days and I have no issue with that fact. I do have an issue that I can find no information with regards to this account when I log-in online and I can not determine if Marcus by Goldman Sachs has indeed returned these monies to me, the legal owner and that I can only get verbal assurances that they have. I also have an issue with the fact that this account shows up no where on my online account other than the prior statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: EQUIFAX, INC.
State: NV
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation