BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by Westlake financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.

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 2023-08-04
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has not credited my account properly. I made a direct payment post judgment of {$1000.00} ( XXXX personal check # XXXX date XXXX and a XXXX $ postal money order ). They are not reporting this in a letter dated XXXX to me. And apparently the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX, Michigan. They've garnished my wages XXXX at XXXX for a total of XXXX ( minus garnishment fee of XXXX XXXX  ) = XXXX plus the {$1000.00} = {$3000.00} pd which extinguishes the court ordered {$2800.00}. 

Weber Olcese also place a real estate lien on my home. 

The remedy I seek is immediate termination of the garnishment and release of the real estate lien. And fines & license revocation of this debt collector. Re-training education on how to correctly, clearly and transparently communicate should be considered also. 

thank you!! 

XXXX XXXX " Our file '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MA
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:
My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
2.XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
3. XXXX XXXX  inquiry made XX/XX/XXXX 4 XXXX XXXX inquiry made XX/XX/XXXX 5. XXXXXXXX XXXX XXXX XXXXXXXX made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX  inquiry made XX/XX/XXXX 9. XXXX  inquiry made XX/XX/XXXX 10XXXX XXXX XXXX XXXXnquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX  inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX  inquiry made 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 non-monetary relief
Consumer complaint received 2022-06-06
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification from My XXXX XXXX that a hard inquiry was made by US Bank on XX/XX/2022. After contacting US Bank, I was advised that they will document the fraudulent activities. The individual tried to make a purchase at XXXX XXXX in Pennsylvania. I was also advised to contact XXXX XXXX, which I completed.

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 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 applied for CapitalOne Venture X card in XXXX this year. My application got approved and I received my card towards the end of XXXX. As soon as I received the card and activated it, I used it immediately. Then, to my surprise, my card was put on restriction right after my first use and I cant use the card since XXXX. However, I got charged for the card annual fee of {$390.00} immediately. 

I contacted CapitalOne to find out why my card was locked and was requested to submit additional documents for verification. I have provided CapitalOne my New York State driving license, my Social Security card and a copy of bank statement that I have with XXXX XXXX. I banked with XXXX as i have my investments with them. My bank account with XXXX is XXXXXXXX XXXX account. They denied the verification of my bank statement. They told me that the bank statement needs to show either checking or saving accounts. 

I strongly believe that CapitalOne has not completed the application verification process for my case but rushed to approve my application in order to charge me for the annual fee. If I cant use the card due to the incomplete verification process from CapitalOne, I should not be charged for the service that is not delivered. XXXX XXXX ( ID # XXXX ) insisted that it was fraud. I do not understand how I committed fraud if I applied for a credit card for myself and I have provided all required documents. I dont have any utility bills under my name because I travel out of country a lot so the rent and utility bills are under my friend who I share the apartment with. But I found it is not relevant. 

For my case, since I cant use the credit card, I have requested for the refund for my annual fee but they refused to refund me the annual fee of the credit card that I am not allowed to use. I would appreciate if you have someone look into my case ( CapitalOne case no. XXXX ) and let me know if there are something you can do. I hope other customers do not have to have unpleasant experience that I have to go through with my experience with CapitalOne. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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:
i reviewed my tri merge credit report dated XX/XX/2022. After review I noticed three accounts that any and all fields that had a date did not match what the other agencies had in their records. These accounts are XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX number XXXX and XXXX XXXX XXXX account number XXXX All three accounts have very different dates in all date fields across all bureaus. 
I sent certified letters to the three bureaus asking them to go back to the respective creditors to get the correct information updated. to investigate what were the correct dates as the should all have the same start and end dates for example. 
Its " well over the 30 days now for all letters received. As of the XX/XX/XXXX credit report there has been no change to these accounts that i can see all fields that require a date have different dates from the other bureaus. 
Please look into this situation as soon as possible. It is my belief that these accounts should have the same information. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling family member 's mobile numbers and asking to speak with me. This company has my phone number and I have asked them to stop calling. I have stopped answering their phone calls. They have called multiple times a week but no less than once a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX. XXXX XXXX  Account XXXX 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX Account XXXX 15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting this Another CFPB Complaint to inform the Credit Bureaus that they have failed to correct or update the disputed accounts reporting erroneous information on my Credit File. I previously sent a dispute letter addressed to the Credit reporting Agencies requesting that they update and correct the disputed accounts on my Credit File. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2022-06-06
Company: NATIONS DIRECT MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home on XX/XX/2022 ( VA loan ). I am a 100 % XXXX veteran. I am tax exempt. However, the mortgage company refuses to accept my tax exemption. Ive sent my VA XXXX justification, the tax exemption from my countys appraisal district, and a tax bill. Ive payed the principle, interest, and home insurance on the bill. However, I have not payed the taxes. I can not afford it. The whole process through my mortgage broker to my realtors were aware of my tax exemption and budget. Ive been going back and forth with this company since I purchased the home. To no avail. Please help. Thank you so very much for your time and consideration in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX {$270.00} {$75.00} I was told that my company XXXX XXXX XXXX would be paying my workers compensation. They were taking care if it, but then fired the current XXXX. a new XXXX. came in I passed the information to him. Then he quit 2 months later and it never was taken care of. They hired a new XXXX. he and the president both said they took care of it. I spoke with corporate and they said they took care of it. Though today XX/XX/XXXX I received an email showing I have a Dragatory late payment for the bill that was supposed to be paid through my company I was working for at the time. The company did not pay the bill, and it had gone into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave XXXX any written consent to report anything on my consumer report, No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged fees for overdrafts prior to my debits being paid and I wasnt overdrawn, this happened quite a few times, I paid once my check was automatically deposited.

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 2022-09-19
Company: Opportunity Financial, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan XX/XX/XXXX for {$2700.00}. I did not realize the interest rate was 160 % interest. I have made a {$230.00} every two weeks since XX/XX/XXXX ( 6 payments ) which total {$1100.00} and ONLY {$160.00} of that {$1100.00} has gone towards the principal amount of {$2700.00}. After 6 payments ( {$1100.00} total ), I still have a pay off balance of {$2500.00}! Please help me!! This is criminal according to the XXXX XXXX Laws with a 36 % max interest rate of personal contracted loans under {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an e-mail on XX/XX/2021 at XXXX that a Bank of America XXXX XXXX account was being opened in my name. I was given the last four digits of the account number, which was XXXX. I had not opened this account, nor did anyone in my household. The account was approved and then the e-mail address was changed to one I am not aware of. This account was opened fraudulently, so I attempted to contact Bank of America. When contacted, I was transferred multiple times and then hung up on. This happened three times. I am not sure what to do, as the account is still open and I can not access it.

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 2022-04-24
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I received information that I still have 80 payments left before I am eligible for 20 year loan forgiveness. That time frame did not seem correct to me. 

I tracked my student loan journey to the New York State Higher Education Services ( HESC ) and was informed by them that a payment was not posted to my account in XXXX, when at that time they were the loan servicer and they were also garnishing my wages from XXXX. 

The payment that is in question was a Treaury offset of a XXXX tax refund that was made payable to US Dep of Ed and then disbursed to HESC in the amount of {$5400.00} on XX/XX/XXXX. 

HESC states they never received such a payment that was to be applied to student loan balance. So for the years of XXXX current year of XXXX, I have been carrying an incorrect principal balance along with accruing the incorrect amount of interest weighing down heavily my credit score for over 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a payment who turned out to be a scammer through XXXX. Chase bank is usually great about money recovery but they said they couldnt help me. I contacted XXXX and they said it was up to my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Please assist me with the removal of the fraudulent accounts listed on my FTC 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