BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX of XXXX Westlake Financial Services approved a loan of XXXX dollars to an auto dealer called XXXX in XXXX XXXX, Texas. Around XXXX I did try to look for a car, and gave my information to one of the sales man from that place, and my mistake was to give them my information through text messages. That auto dealer has been closed down for laundry money charges and for using social security from other people. I already contacted Westlake Financial Services multiple times and told them that I had nothing to do with the deal that was done without my consent, I never signed anything at all. They told me to do an Identity theft package on XX/XX/XXXX, the package arrive on that date, and I already sent it to them around the beginnings of XXXX. No answer whatsoever from them at all, I also already contacted XXXX twice about this issue, I sent all of the papers that were asked from me and they STILL tell me it is my account, that it belongs to me whereas it does not. I can not send more information to them because I already did, the car is nowhere to be found, I do not have it, no actions have been taken either by Westlake Financial Services NOR XXXX at all. My credit score has been gone down hill ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: OK
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 have submitted several disputes explain this collection account is not mine! I have attached the FTC report. Please have XXXX and XXXX remove this off my credit report asap

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have submitted several disputes explain this collection account is not mine! I have attached the FTC report. Please have Transunion and XXXX remove this off my credit report asap

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
My information was leaked in the ongoing incident. According to the Equifax website which checks for impact, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have just put an initial fraud alert in place and gotten my report from one of three agencies to check for errors. Now, I will continue to monitor my reports for the foreseeable future.
It is entirely unacceptable to store this information unhashed and unsalted. Any data security company knows this. To do this with the information of Americans is just mind baffling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I called Wells Fargo to make payment arrangements on a credit card I had not paid at this time I was told I was in default with one of their affiliates and Wells Fargo did not want to work anything out with me a telephone transferred funds from 2 of my  accounts on XX/XX/XXXX without my permission, the amount that was transferred was more than enough to correct any default or late fees on the Credit Card. I was so angry at this time I closed all accounts I had with Wells Fargo and paid additional fees to close the accounts. When this money was removed from my account it caused me to default on other creditors and never to recover from this. The amount Transferred was XXXX plus late fees and overdraft fee totaling over 7000.00, This  was a personal attack on me. 

I asked what affiliate I defaulted with never got a answer the only other account beside Personal checking and Business checking account was HELOC and I never defaulted with that. 

I wrote a letter and called customer service in XX/XX/XXXX about the money that was removed and was informed again they had the right to offset the account. 

I was informed by the executive offices this year XX/XX/XXXX the account the money was transferred to was charged off in XX/XX/XXXX, I never received any notices about a charge off or a credit report that showed a Charge Off. 

I have been in contact with the executive offices on or about XX/XX/XXXX and the end result has been the same they had the right to offset.

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 2017-09-08
Company: EQUIFAX, 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:
Equifax was attacked, resulting in a hacker gaining access to 143 million names, social security number, birth dates, addresses, and driver 's license number. My personal data were among the impacted records. Protection of such sensitive information should be any company 's first priority, and I believe Equifax has proved itself undeserving of the responsibility of holding such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Over the last month or so, the collection agency named Optimum Outcomes has started reporting medical debts on my credit report. Prior to these new medical collections appearing on my report, I am not receiving any notice whatsoever. To my understanding, the Fair Debt Collection Practices Act requires a collection agency to provide a 30-day notice to dispute, before they report accounts on my credit report. Apparently, Optimum Outcomes is waiving this requirement, and reporting these medical bills on my report without notifying me first ; and giving me an opportunity to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This concerns a student loan which was originally issued in XX/XX/XXXX-XX/XX/XXXX to my daughter XXXX XXXX. I, XXXX XXXX, XXXX 's father, was a cosigner. the original loan was issued in the amount of {$7800.00} by XXXX. I have made monthly payments of {$71.00} since approximately XX/XX/XXXX. I trued to obtain information concerning the status of this loan from XXXX circa XX/XX/XXXX-XX/XX/XXXX, but was refused access to the information. I continued to make payments. The loan servicing was taken over by XXXX in XX/XX/XXXX ( I believe ). I have been informed that the current balance is XXXX. I have requested an accounting of the loan by phone ( on or about XX/XX/XXXX ) and XXXX has to this point not produced any documentation. I made a second request in writing on XXXX 's website. a request which XXXX acknowledged by e-mail on XX/XX/XXXX, and have still received no documentation. At this point, I fear a serious error has occurred and am uncertain how to proceed. I am in position of the Notice of Loan Guarantee and Disclosure Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: CREDIT ACCEPTANCE CORPORATION
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:
I took a auto loan with credit acceptance my Vechile was stolen and my insurance paid majority of the loan I had gap insurance which they claim I was missing a payment so the gap only paid partial of the remaining balance. I believe this was rigged and somehow wrong however credit acceptance never contacted me on the balance. And in XXXX a month after the gap insurance paid. Credit acceptance reported approximately {$900.00} On my credit report. I believe this was a form of harassment because they did not get make money off me with a complete loan term. However after contacting credit acceptance I agreed to settle with the amount of XXXX I paid this and they then reported I was still late on XX/XX/2022. Which I paid before this date. After they reported this amount they reported flagged my credit report 60 days past due even though I settled. This was a means of harassment. I will be filing a million dollar lawsuit against them. But I must fill these channels. Credit acceptance uses peoples credit reporting as means of and forms of harassment and bullying this is wrong and credit acceptance should be held accountable

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has given my personal information to unknown individuals exposing me to the possibility of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. 
THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE! I've reached out multiple times but haven't received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BARCLAYS BANK DELAWARE
State: KY
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:
To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.

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 2017-02-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
My credit card was used for fraudulent online transfers in excess of {$14000.00}. I contacted Chase and they told me to report to fraud department. I mailed a letter to them on XX/XX/2016 and have had no response. I have called Chase several times and complained and have gotten no help. 
In the mean time I am not paying on this balance and Chase is reporting it as late. 
Is there anything that can be done to speed up the process of Chase fixing this fraud. 
Thank you, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. 
THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE! I've reached out multiple times but haven't received any correspondence.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax 's poor security measures resulted in a data breach which they have indicated included my personal information. I 'm now at high risk for identity theft because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have inquiry on my credit report that I didn't do I need them removed time is of the essence

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 2015-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 we went into the Chase Bank branch in XXXX XXXX, CA to open an account for our new business. Initially after meeting with the banker at the branch we were given account materials, debit cards, etc ( Act # XXXX ). Apparently, after whatever internal review, the next day, Chase decided that they " no longer wanted to do business '' with us. That is understandable, and acceptable, and that of course is their right. However, what we are quite concerned about is that the bank was willing to provide us with a notice of adverse action. In addition, we received a letter dated XXXX, XXXX, 2015, that suggested that we would be subject to " negative credit reporting '' due to transactions/our relationship with the bank. In this situation, it seems that there in essence was not a relationship with the bank, but rather a " no harm, no fowl '' type of situation. It was our understanding that the account was closed. Upon further review it apparently is not. We then went to the branch on XXXX/XXXX/2015 and demanded that our account with them be closed immediately, and any reporting state that the account is closed by us. We do not wish for the account to remain open, and do not wish to wait for Chase 's internal system dictating to us when the account will close. This is a DDA, and therefore we have the right to ask that it is immediately closed. 

In addition, we are asking for insurance that since there were not any negative/fraudulent activity on the account, that any negative reporting not take place

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Rewards

Complaint:
I applied on the phone to upgrade my Chase card to the New Chase Platinum Reward card..I was assured that for XXXX dollars a year, I would receive many new befits including XXXX bonus points..I needed to spend XXXX dollars in the first 3 months..I spend XXXX, and still no points..So I call and they say I am not eligible ... that I was given misInformation from their employee ... .and I am ineligible for the bonus ... with no reason other than that I did not apply for the card..I have has this card for many months having applied on the phone and assured of the benefits before agreeing to a XXXX a year card over my free card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for Mortgage with Premia relocation mortgage in XX/XX/2022 Loan officer promised a rate under 4 percent but though out the process of application came up with one reason or the other to increase rate charge more points. including advising that I w qualified for loan and then changing qualification status and requiring second lender. 

Lender was reckless with our file and jeopardized the home purchase contract almost costing us our earnest money by delaying processing and changing qualification requirements even up to the week of closing. 

Lender waited to the last minute ( week of closing - couple days before closing ) to change qualification for loan and demanded an additional {$50000.00} in deposit for the loan. 

Lender unreasonably asked for documents that were not necessary including some that were already submitted. e.g lender asked for document showing approval for leave time and when provided lender accused me of falsifying document and demanded letter rom my manager for the same approval. Which was already provided Lender disclosed information about our loan to third party without our consent lender intentionally ignored attempt to communicate with them in the middle of the application process. did not return calls or emails or voicemails left. 

Multiple instances of providing documents asked for and then lender would change requirements and ask for a whole new set of documents. 

Lender changed terms of the loan multiple times even the last week of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AL
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:
The Equifax data breach that occurred in XXXX XXXX. My personal information was compromised. I verified this information through Equifax and was told that my personal information was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2022-02-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX, SCXXXX  has been sending me collection notices in the amount of {$600.00} and the collection has been reported as a past due balance. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.

Company response to consumer: Closed with explanation