BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from XXXX XXXX XXXX on XX/XX/2018. The loan was to be financed by Westlake Financial for approximately {$22000.00} and a monthly payment of {$480.00} a month. About 2 weeks later I received a call from XXXX stating that the bank backed out of the loan and I needed to return the car asap. The bank decided they didnt want to finance me. I took the car back that day. About another week or 2 goes by and I start getting phone calls and statements in the mail for a car I don't have and a loan that I never got. I attempted to call the bank multiple times to get it corrected and the account closed out but they wouldn't close it. I called the dealership, XXXX, and was told they will call the bank and have the account closed. Another week or so and I get another letter and statement in the mail telling me about my upcoming payment. I then call Westlake again and I call XXXX again. Both tell me they will take care of the issue. Today XX/XX/XXXX I begin to get credit monitoring alerts left and right so I log on to see what is happening and its Westlake Financial adding an active open account to my credit stating that I took out a loan for {$22000.00} for a car I do not have! Obviously Westlake and/or XXXX is not doing what they are supposed to do and I am the one suffering. This open car loan on my credit is hindering me from being able to get a car because the company says I already have a car loan when I don't! I demand this account be removed from the Westlank Financial Bank 's system and I demand that this open active account be closed and removed from my credit report immediately! It is frustrating to continue to deal with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I sent Portfolio Recovery a cease and desist letter that was signed XX/XX/2018 via certified mail. 

On XX/XX/2018, I sent Portfolio Recovery another letter that was signed on XX/XX/2018 via certified mail because they were still reporting collection activity to all three Credit Bureaus. 

Portfolio Recovery, have not been in compliance and this is a violation of the FCRA and FDCPA. Please see attached evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 made a purchase on ebay via XXXX on my Capital One XXXX card on XX/XX/2018 for {$7.00}. When I check my account on XX/XX/2018, I noticed there was a cash advance fee {$10.00} posted on my account on XX/XX/2018. I called Capital One and asked them why I was being charged the cash advance fee on XX/XX/2018. The customer service representative told me that I sent a wire to a seller on XXXX  via my capital one card, that's why I was being charged the fee. I asked the CSR if they could do a one time waiver fee since I always pay my credit card on time & and I wasn't aware of it. The CSR at capital one told me that she couldn't and that I should read my card member agreement. It has been five days and this issue hasn't been resolved and I'm upset about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account XXXX XXXX, 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 an 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 explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
To whom reads, I have account with capital one, I have 2 of there credit cards one of  them for 3 years. Through the years of having that card I always every 6 months ask for credit increase and never receive I constantly get the run arounds and get told over the phone with the company, they say my account is great and pay Bill 's on time and I ask for increase they pass me to another operator ( robot ) answer questions and I'm being told few days later I've been denied but the ( real ) operators tell me I'm eligible to receive increase 3 years still no increase, been stuck at {$300.00} for 3 years! No loyalty at all! 

Also the biggest problem I have had recently ( with month of XX/XX/2018 ) after another day paying my bill off 2 days later I get a notice to check my credit score, Capital one completely screwed me over knocked me down 64 points when I worked so hard every month to earn my points, but they completely knocked me 64 points on my credit score. I worked very hard to earn and my score is very important for me, keeps roof over my head I do alot of investing and need my credit score to provide banks for loans to invest more for me to have a easy financial future. 

To whom reads please help me I've spoken to capital one about these issues and its same old story all the time they cant fix credit score and cant increase me credit. Please help! Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion has refused to remove a deletion or derogatory information requested from a creditor on my behalf. This issue is with an account related to XXXX  XXXX. I contacted XXXX  XXXX and they explained to me that this item was sent for deletion earlier this year back in XXXX. They collection agency also explained to me that it was reported to all three credit bureaus. Transunion denies ever receiving a notice of deletion from XXXX. I went and check my report with the other two credit bureaus and this account was deleted from the others. I requested a letter from XXXX  XXXX to send Transunion and this letter has been faxed to Transunion on XX/XX/2018.

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 2021-02-04
Company: Square Inc
State: TN
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:
On XX/XX/2020 @ approximately XXXX, my EIP was deposited into my cashapp account bringing my overall balance to {$610.00}. I went back into my cashapp account around XXXX to find that there was only {$85.00} Remaining in my account. I had not even left my house that day, let alone make any sizable purchases. I tried contacting cashapp numerous times through email, to no avail. They don't have a phone number that you can call. So its like someone took this money and I'm just out of my {$600.00} EIP. Any assistance you can give will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an initial demand letter from State Collection Service dated XX/XX/2018. My husband contacted their agency the following week and spoke with a XXXX XXXX ( legal supervisor ). He asked if their agency was aware that the debt was disputed in the last 20 days with the previous agency she stated no and they were not made aware by either the previous collection agency or their client ( XXXX XXXX ). After discussing the account with XXXX XXXX for over 10 minutes my husband asked if she knew who she was speaking with and she stated XXXX. My husband explained to her that he was not XXXX and she continued to address my husband as XXXX four other instances. When asked if she was aware that she had violated third party disclosure laws by not verifying who she was speaking with, XXXX XXXX responded by saying she did and then stated that the agent who transferred the call told her that she had done it. My husband explained that no one asked who they were speaking with at any point and that she had released personal information relating to the debt and asked to be transferred to her manager. XXXX XXXX stated that would be XXXX XXXX but he would not take or return the call as we claimed there was an FDCPA violation. We requested that she go back to the call and review it for quality control to verify that she did violate third party laws but she stated their agency does not record any conversations. This is the second agency we have requested validation of debt from only to have no one return our calls or provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: PA
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 these item that is not mine and i want it to be removed. 

1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and  Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2021-01-21
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
The Executor for XXXX XXXX  XXXX Presented valid I'd to XXXX  XXXX sales representative or associate to acquire a automobile by financing and Purchase order. 
( For non commercial use needed two VIN for two private conveyances ). After the Credit application was signed, endorsed, and reviewed by the back office of XXXX XXXX and the credit was exented from the THE DEPARTMENT OF THE TREASURY and received and accepted for Payment in full satisfaction, settlement, and set off to the following financial institutions : XXXX, XXXX XXXX, XXXX, and SUNTRUST. 
All denied loans are violating Title X, HIPAA, and FDCPA misleading and deceptive. All denials are direct harm is XXXX XXXX  XXXX By : XXXX  XXXX, XXXX XXXX and the United states of America

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 2021-02-04
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I was given a loan by XXXX XXXX XXXX which is owned by XXXX XXXX XXXX XXXX for XXXX 
This company charges XXXX annual interest .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which XXXX XXXX  XXXX is not licensed ..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be XXXX with Illinois department of financial regulation which this XXXX XXXX not XXXX making this loan illegal and unenforceable under Illinois XXXX XXXX this date I have paid XXXX dollars on this illegal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Companies involved - 1. XXXX  XXXX XXXX 2. TD Bank 3. XXXX 4. XXXX XXXX I called each of these companies, reported fraud and closed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: CMRE Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The debt collection agency, CMRE Financial Control is attempting to collect on a medical debt in the amount of {$330.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State and has made several attempts to contact me after i have asked them to please stop. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My school tax and city tax were incorrectly documented in my escrow account. I provided Citizens Bank with the accurate amounts for both but neither had been updated. They paid the correct city tax amount of {$3500.00} in XX/XX/XXXX but did not update the amount on the escrow account which they kept at {$25000.00}. I called the company multiple times over the course of 4-6 weeks ( XX/XX/XXXX until XX/XX/XXXX ) to have these updated and each time I was told it was in process. When I would call back, I was informed that nothing had been done yet and they would resubmit. This happened on multiple occasions. I was even told that I would have a manager call me within 24 hours to talk about this, but I was never called back. This also happened multiple times. I kept calling with frustration because my mortgage payment is off by almost {$5000.00} with these incorrect tax assessments, and I was frantically trying to get my payment adjusted to the normal amount, but Citizens could not get it together to make any adjustments. My school tax bill which is {$18000.00} which they also paid and have documentation of from the township remains at {$31000.00} on the escrow account. I finally called 2 weeks ago and was promised it would be " expedited '' or at least no longer than XX/XX/XXXX to be figured out. Today is XX/XX/XXXX and it has not been rectified and I am on the phone with Citizens again today and they are unable to resolve my issues. This is terrible customer service and business practice. They have no intention of making good on any of their promises and are causing me to pay thousands of dollars more than I need to keep in escrow at a time when not a lot of people have cash sitting around. I have no confidence in this bank nor do I trust any of their monetary practices. In what business is it acceptable to have such bad accounting practices. It is completely unprofessional. I have called Citizens so many times to resolve these issues but no one can help me so I am looking for an outside entity that can help me. I will never use them again for any type of mortgage or loan. I simply not trust the business practice or ability to manage money. Fortunately they have documentation of all the phone calls I have made with their empty and fake promises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
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:
On XX/XX/XXXX I paid a collection with XXXX XXXX. havley is the collection company that has the collection listed. The payment was make to the original creditors XXXX XXXX. Havley was informed of this and ask to verify I co tacted them 30 days later because the information had not been removed. They stated that they only update o XXXX a month around the XXXX of the month 45 days and a week after they said they do their updates the information is still incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: AES/PHEAA
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 status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I wired the money to Coinbase on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX it never reached my account I called the company and sent emails as well my bank tried to catch them without success just on XX/XX/XXXX they only wired me XXXX and i still waiting

Company response to consumer: Closed with explanation