BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
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:
Bankruptcy was placed on my Experian credit report..is not my bankruptcy..have filed formal dispute with request for supporting documentation of their verification of it..they did not provide documentation..merely said it was verified through a third party which I believe is not allowed under fcra..contacted 3rd party and tried to dispute again but Experian refuses to to investigate. please help.

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 2022-09-09
Company: Afterpay US Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XXXX has violated my rights, treated me unfairly. While they can send emails & text mess to me ; they have locked my account as XX/XX/2022. I can not view my act online as they intentionally locked, sent multiple requests in writing to afterpays website along with additional emails my account was locked. They have refused to reply. I tried to reset and not receive an email to reset password.At this point I only receive incorrect bills via email and no response to myhelp or passwords. If I go to the ap, reset password, tried a different email I received messages to contact help desk as I completed info and still no response or a text stating your act is locked. This is not how a professional company do business.I have sent multiple inquiries re refunds as they will to cover their scam and say they refunded my account when they didnt. I have a copy of my act for the last 2 years and very few refunds when more than half of the Afterpays were returned.They stated to you they refunded my act is a flat out lie, or stated refund to an act that does not belong to me. Also there are other refunds where I returned items as they dont give me all my money back, approx 10 % as they make up excuses to buy time and after over 3 months still no refund. This is a true scam and something needs to be done about it. No way to contact is UNFAIR. No support, no response, no ph number to contact and they locked my act and now taking amounts from my account everyday without my authority, refuse to prove to me where theyre getting these amounts from has not happened. They continue to illegally put my act in an overdraft til the point its closed. Service is good until you return items and inquire about illegal transactions.I sent a mess to CEO viaXXXX & now messages come back as an error. One thing they can not do is take funds from me & lock me out or provide no support. My rights are violated CFPB including others, multiple class actions & complaints as it cont to happen. This must stop.See locked out & email correspondence attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
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:
INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX  STATED BY LAW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Westlake Services, LLC
State: GA
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:
XX/XX/23 - car was repossessed by Westlake Financial Services without notice through XXXX or to me ( customer ). 

XXXX called Westlake Financial Services with an officer and could not be identified through this company. Was told by police that no lien was on vehicle. I purchased car from American Car Center and financing through American financial and they closed without notifying customer and deleted account. 

XXXX contacted " XXXX '' from Westlake and was treated very rude and would not give me any information concerning vehicle but demand a payment of {$1300.00} to have the car released to me but I have to give him my card information over the phone. I could not set up account and pay online. I was given by " XXXX '' from Westlake Services two phone numbers that is fake to the recovery because he told me I had to pick up the vehicle after I paid him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year I filed a complaint concerning the misapplication of my payments and assessing late fees that were not correct nor were they justified. The Regulatory Case Number is XXXX-XXXX. After getting the complaint they went back and applied my payments properly until around the beginning of XX/XX/2018. They have once again misapplied my payments, incorrectly assessed late and other fees which to this day I still don't understand. Once again I have tried to resolve this issue with them but they're still insisting that I am behind in my payments. My payments are submitted by my bank every two weeks which coincide with my pay dates. In the month of XXXX and XXXX they received 3 payments but they are still saying I'm behind in my payments. Again I have contacted them on several occasions asking them to apply my payments as they were received. This morning XX/XX/XXXX, I received a phone call with a recorded message stating they have not received my payment for XXXX. I am at my wits end with this company. I know the company is saying that I am making illegal payments, but the contract states my payments are due on the XX/XX/XXXX of each month, and they receiving my payments in advance of the due dates. Base on the payments that have been sent, I should be paid up through the Month of XXXX. Once again I am asking for your help in resolving this issue ; that all payments be applied properly, all illegal fees that have been assessed be reversed and to ensure me that they will continue to apply my payments as they have been received. I'm also not understanding why only a little over {$2000.00} has been applied to the principle. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am refiling this complaint another time to CAPITAL ONE for allowing the fraudulent account and for not correcting this on my credit report. I filed an FTC report for this another complaint, with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I they will correct this erroneous account and to provide accurate credit reports. 

This account had multiple inaccurate information on my credit report the payment history, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) 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 2023-08-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being. 

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered. 

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects. 

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.

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 2019-07-23
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. 
They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
transworld systems has placed a collection in my credit report that isn't valid. I do not owe this debt nor have I ever paid anything towards this debt. The debt they are collecting for was for a disputed account with XXXX from 2017. This debt is fully past any statute of limitations and this company acknowledges it but still has impugned my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
All of a sudden I don't have access to my Chime Bank account online or using the app, but my account is still active when I call the card. 
I truly do believe that this bank is a scam. 
I couldn't remember my last transaction for them to verify my account.Every time that you click on 'Forgot Password ' I type in my birthday and last four digits of my social security number and a message in red states the I information that I've entered doesn't match our records? Oh really when I own the account and I never had a problem with my account. 
This happened with no alert no nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an Affidavit requesting Documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on these Debt without validating or even owning the debt.

I found the CFPB filing against this same Collection company in XX/XX/XXXX File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC. Not validating dispute and sending out generic letters saying you own this debt and we will not remove it from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that prove they are the owner of the debt or can even validate the debt.

I sent MCM a affidavit to establish the debt these are generic letter they send out to multiple people and I have proof. I have a friend that received the same letter. She is going to file an complaint also. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are owner of this debt and verify this is my Debt.

Thank you please make them abide by the provision from the case XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had my Capital One credit card for over 5 years, and I was notified today ( by a third party credit monitoring service ) that my card had been closed. I contacted Capital One immediately to inquire about why they closed it, and they said it was closed due to 12 months of inactivity. 

I asked if I was notified previously about my card potentially closing, the customer service agent said they would have notified me via mail and email. I let the agent know that I was 100 % not contacted by email and that email was my preferred method of communication because I've moved temporarily due to covid. I also said I don't remember a clause about card cancellation for inactivity in the terms and agreement of the credit card policies I agreed to. The agent said there was no clause like that included ( so the customer is held to certain standards but the company isn't? ). And although being told that my account was recently closed at the beginning of this month XXXX XXXX XXXX, he said there was nothing that could be done. 

Instead, his solution was to reapply for another credit card with Capital One. So wait, you won't reopen my old account but your solution is to open a new one? My credit limit was XXXX and as I previously mentioned, I was a customer for over 5 years. Therefore, my credit card utilization and length of accounts will affect my credit score negatively, and this is being done in the middle of a pandemic at that. 

If I missed a credit card payment, they would have emailed, mailed, and called numerous times to collect payment. So I wish they would have tried harder to contact their customer about potentially closing their account due to inactivity- I would have gone out and used my card the same day.

Company response to consumer: Closed with explanation