BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: FISERV INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-11-14
Company: Westlake Services, LLC
State: NC
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:
After carefully reading and reviewing all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " Westlake Financial Services ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession. 

I never had any car loans or car leases with this Westlake Financial Services company and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from Westlake Financial Services has been on all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. Westlake Financial Services is reporting to all 3 of the national credit agencies XXXX, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever. 

I have called this Westlake Financial Services company in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, XXXX, XXXX and XXXX XXXX. 

After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from Westlake Financial Services in California is still appearing on all 3 of my national 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 2022-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I switched credit cards with Wells Fargo from the cash wise card to the active cash card on XX/XX/XXXX. I called customer service to confirm that I would be eligible for the {$200.00} sign on bonus for spending {$1000.00} in the first 3 months, even though I was switching my credit card and not signing up for a new one. They confirmed that I would still be eligible. I called again after my card arrived, expressing my concern that the progress for my reward was not being tracked on the website, and I was told that it would show once I met the {$1000.00} threshold. I met the threshold in XX/XX/XXXX, and called again since the bonus had not showed. I was told a case specialist would be working with me. He later called me on XX/XX/XXXX telling me that it was on record that the operator told me I would be eligible, but I was lied to, and that there was nothing they could do to get me the bonus.

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 2019-12-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Convergent never contacted me about any debt that was due. They filed negative reports with XXXX, XXXX  and XXXX which negatively impacted my credit. I dispute the posting with XXXX, XXXX and XXXX. All three deleted the fraudulent posting. However, as soon as the three credit agencies resolved this, Convergent sent a demand letter claiming an amount owed to " XXXX ''. I have reached out to XXXX and they confirm that no amount is due and no amount has been due. The action that Convergent is taking is fraudulent and I fear will impact my credit. Kindly take the appropriate action against Convergent. This complaint is in reference to convergent account XXXX. 
Thank you. 
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 2021-11-14
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i made a purchase for a very speicfic type of office charge overseas, they were to make it from top to bottom brandnew with the customer specific requests made to the chair. i was told the timelime to make it and ship it will take up to 3 months before i received the item. its been 3 month and not only have i not received it but i can not reach the seller whatsoever. unfortuantely my bank only offer XXXX purchase protection and now that its past them wont refund the money under the reason of not received item,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Diverse Funding Associates LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a telephone call from XXXX XXXX for a debt owed to XXXX XXXX XXXX ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. 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 monetary relief
Consumer complaint received 2020-04-25
Company: Resurgent Capital Services L.P.
State: MS
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:
WITH XXXX XXXX BEING THE ORIGINAL CREDITOR THEY SHOULD HAVE ACCESS TO THE INFORMATION TO PROVE THAT THE ALLEGED DEBT THEY ARE CLAIMING BELONGS TO ME IS ACTUALLY MINE. BECAUSE I CAN NOT GET XXXX  XXXX XXXX OR LVNV FUNDING TO COOPERATE, I AM ASKING THE CFPB TO HELP SOLVE THIS ISSUE. 

I DEMAND LVNV FUNDING FOLLOW THE GUILDELINES OF THE FDCPA, FCBA AND FACTA 312, SINCE THEY ARE LISTING THIS ACCOUNT ON MY CREDIT REPORT AND CLAIMING THAT I OWE THEM AS SEND ME 1. COMPLETE PAYMENT HISTORY OF THE ALLEGED AMOUNT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR ( AGREEMENT STATES THAT DEBT ARE SOLD AS IS. 

WITHOUT ALL OF THIS INFOMATION THE DEBT IS CONSIDERED NOT VALIDATED AND I DEMAND THEY DELETE THIS TRADELINE OFF MY CREDIT REPORT. FAILURE TO PRODUCE ALL REQUIRED INFORMATION WILL RESULT IN A LAWSUIT FOR DAMAGES IN ACCORDANCE TO THE FCBA AND FACTA 312, I REQUEST THAT XXXX XXXX XXXX  SEND ME 1.COMPLETE PAYMENT HISTORY OF THE ALLEGED DEBT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3.CHARGE OFF DATE 4.CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THEY ARE THE ORIGINAL CREDITOR SO THEY SHOULD HAVE ACCESS TO THIS INFORMATION I HAVE TRIED TO SETTLE THIS WITH XXXX  XXXX XXXX AND THEY ARE REFUSING TO PROVIDE ME THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2022-08-26
Company: Debt Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Re : XXXX XXXX XXXX XXXX ACCOUNT NO. ENDING IN XXXX I am writing to dispute the above-referenced debt which I do not owe. All charges of interests, fees, and debts on the Account referenced were automatically charged by XXXX XXXX XXXX to the XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX has accepted the liability for the charges of such interests, fees, and debts ( See XXXX XXXX XXXX communications attached ). 
This debt is in fact the debt of XXXX XXXX XXXX as indicated on the attached Statement. All charges to this XXXX XXXX XXXX Account were generated for the establishment of the XXXX XXXX XXXX down payment and monthly dues. ( See XXXX XXXX XXXX communications Attached ). XXXX XXXX XXXX was partnered with the XXXX XXXX XXXX in establishing this account and automatically charged Monthly Fees to this account ; they share the same Letterhead on the billing notices. Although I was assured by XXXX XXXX XXXX  that the Account had been rescinded and the down payment, Monthly Dues and Fees were taken off of the charge card, XXXX XXXX XXXX and XXXX XXXX left a balance of these fees on the Credit Card and commenced to charge interest fees on that amount. Additionally, XXXX XXXX XXXX and XXXX XXXX have jointly reported to each of the Credit Bureaus that I am delinquent each month on this Account which has severely damaged my Credit Score. 
I sent letters complaining of this process to both XXXX XXXX XXXX  and XXXX XXXX ( XX/XX/2020 ) to no avail ; the debt has increased each month and has been reported to each Credit Bureau as being a " delinquent account '' ( one credit bureau reflects last 5 payments on time with delinquent balance. ) I sent letters to the Credit Bureaus P.O. Boxes ; however, each was returned to sender. Thank you for your assistance in this matter.

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 2019-12-09
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX card in XXXX  with a new XXXX member skymiles bonus of XXXX miles with {$3000.00} spend in the first 3 months. 

I noticed in XX/XX/2019 that I never received the skymiles in my XXXX account. I contacted American Express to find out why. The agent said he didn't know why and would open a case and I would see the skymiles added within 30 days. 

In XX/XX/2019, I still didn't see the skymiles in my account balance. I called again. This time I spoke to an agent who was incredibly rude and told me I didn't qualify for the skymiles. I asked her why and she referred me to the terms and conditions on the website. I asked to speak to her supervisor. After AN HOUR, the supervisor came on the phone and said she didn't know why I didn't get the skymiles either and would open another case to get them added. I filed a complaint regarding the agent due to her lack of knowledge and professionalism. 

Its XXXX, I don't have my skymiles and I don't want to call them again because of the amount of stress brought on by these conversations. 

I've never had a XXXX credit card in my life. I've never received a welcome bonus. I met the spend requirements to earn the skymiles bonus and I'm deeply offended at the amount of time and effort it has taken me to just get what they advertised. 

Also ridiculous I have to come to the CFPB to intervene on my behalf. 

Thank you very much for your time and assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX  and Trans Union collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to 2013. The two credit reports posted shows XX/XX/2013 as the first late payment on Trans Union, and XX/XX/2013 on XXXX. In either event, XXXX XXXX has been reporting this account in a negative status for a minimum of 90 months. Accordingly, it is time that XXXX XXXX to remove my account permanently. XXXX XXXX is also in violation of its subscriber agreement with XXXX and Trans Union respectively. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently. 
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 explanation
Consumer complaint received 2019-10-14
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had an suntrust opened up under my name about 3 year 's ago didn't know until i received checks an cards in the mail when i called to notifying them it wasn't me they told me the account was already closed an i was responsible for the amount owed I'm now on XXXX XXXX an unable to open account. Because it comes up as fraud I've been fighting this for sometime

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 2017-03-16
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My client paid off his loan on a mobile home trailer in XX/XX/2017. Ditech Financial, LLC claimed to have mailed the original to the property address, but inadvertently left off the trailer number. Therefore, the title had not been received. Ditech then sent copies, where were useless, since the Department of Motor Vehicles is requiring originals. When he called to request that a duplicate original be sent to his current address, he was informed that the title had been sent the original lien holder, XXXX, located at XXXX, XXXX, LA XXXX. THIS COMPANY IS NO LONGER IN BUSINESS. Subsequent requests have since been made for the lien release and original title to no avail. The Department of Motor Vehicle is requesting the original title. Ditech refuses to send the original title to property on an account that has been paid in full. Every phone call is to a different customer service representative who is rude, impatient and armed with false information. The customer service representatives refuses to let you speak to a supervisor and claim to take notes at the time of the call. When you call back to ask about the status based upon notes taken during the last call. There are no notes in the system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: VA
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:
All three bureaus. I have been trying to fight against fraud that happened at my school ( XXXX colleges online division ) since 2010. All of my expenses were covered under grants and student loans. I was told I would not have to pay until after graduation. I was lied to and a victim of financial fraud when just before graduation the school slapped me with {$10000.00} bill they said I had to pay before I could graduate. I couldnt afford it, obviously, so the school removed my credits ( I have all ready sent proof that I technically graduated to the DOE multiple times ) and stated I didnt finish all of my credits. I was on track to graduate with a very high GPA, never missed a class, never missed an assignment. They XXXX me and its caused a massive financial hardship since. Its destroyed my credit, prevented me from furthering my education, getting decent jobs, a cant get a mortgage etc. I have asked the DOE to prove I graduated and received my diploma ( Ive proven I havent ) or to forgive my loans and remove all negatives from my credit report. This is the LEAST they could do for ruining my life. They stated I missed some sort of deadline which is false. I reached out everywhere I could think of after it happened but got blown off. Not much later my school closed because XXXX went bankrupt ( that started near the end of my classes ) and the deceit was finally exposed. I even forwarded the correspondence to the DOE with the emails I received regarding this. All I ask is for the DOE and credit reporting agencies PROVE I am wrong. If they cant, they need to wipe my records clean, wipe my loan because I owe a large amount of money for a product I didnt receive ( no fault of my own ) or we will end up in a civil battle for WAY more than the value of my loans.

Company response to consumer: Closed with explanation