BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Hello I purchased a vehicle from USA auto sales and they recently shut down and my account was transferred to Westlake portfolio. The issue is the interest rate changes and none of my payments was applied correctly to the vehicle. I made on time payment for over a year and was informed my balance did not increase as the interest rate was inflated and the service warranty I paid extra for was voided due to USA auto sales never sending the money to the warranty company. The new loan holder stated I would have to speak with USA auto sales to have this issue corrected or return to vehicle which would negatively affect my credit Score. They inflated the interest rate and did not apply the payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

Collections XXXX XXXX Opened XXXX {$300.00} XXXX Opened XXXX {$400.00} XXXX XXXX Opened XXXX {$420.00} XXXX XXXX Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX  XXXX Opened XXXX {$620.00} XXXX XXXX XXXX, Opened XXXX {$850.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX Opened XXXX {$1100.00} XXXX Opened XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Currently on-time 3 Missed XXXX XXXXXXXX Currently on-time 1 Missed Other loans XXXX XXXX XXXX 
Currently late 7 Missed XXXX Currently on-time 1 Missed Inquiry details XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX  XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX Needs attention XXXX XXXX XXXXXXXX XXXX error 30-59 days late {$250.00} XXXX error Needs attention {$3500.00} XXXX XXXX error Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$1100.00} XXXX XXXX error Needs attention {$1000.00} XXXX XXXX error Needs attention {$990.00} XXXXXXXX XXXX XXXX  error Needs attention {$850.00} XXXX XXXX XXXX error Needs attention {$620.00} XXXX XXXX XXXX error Needs attention {$540.00} XXXX XXXX error Needs attention {$480.00} XXXX XXXX error Needs attention {$420.00} XXXX error Needs attention {$400.00} XXXX XXXX error Needs attention {$300.00} XXXXXXXX XXXX XXXXXXXX. 
error 120-149 days late {$3600.00} XXXX  error 30-59 days late {$1800.00} On time XXXX XXXX  126 % credit card utilization {$620.00} XXXX XXXX -1 % paid off {$5500.00} XXXX XXXX -9 % paid off {$1800.00} XXXX XXXX -2 % paid off {$1500.00} XXXX 0 % credit card utilization {$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 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 was charged {$110.00} as an interest charge after paying off my balance on my capital one credit card. The balance was paid off before the next statement cycled, the company customer service and escalation line refused to assist with the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AZ
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 been a part of the Equifax XXXX XXXX and I am trying to protect myself from being a victim of identify theft because my information has already been leaked. I am protecting myself from potential risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
SYMPLE THEY RETAINED MY MONEY FROM IRS WITH EXCUSES OF SCAMMER GOT ACCESS TO BANK ACCOUNT .BUT I HAVE COMMUNICATION OF THAT SCAMMER TRYING TO BLACKMAIL ME WITH OTHER THINGS DONT HAVE ANYTHING TO DO WITH THIS ISSUE ...SO ..THEY DIDNT HAD THE REASON .NOW AS I WARNING THEM... ARE THEY WHOM HAVE TROUBLES .ALREADY I HAD BEEN SUMMITING COMPLAINS IN OTHER FEDERALS AGENCIES RELATE TO PARTS OF THIS CASE .AND I HAVE ALL EVIDENCE. AGAINS ONLY BELIEVES FROM THEIR PART .SO ...PLEASE THIS IS SERIOUS .TAKE FULL ACTION .SHARE THIS TO ALL OTHER AGENCIES RELATED WITH THIS ..LIKE IRS OR GENERAL INSPECTOR OF THE DEPARTMENT OF TRASURE .I AM WATING FOR YOUR ACTION IN  THIS CASE ALREADY .ATT. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NE
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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-01-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
In applying forr a mortgage the bank alerted me that a towing company was listed at my home address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have nothing to do with this company. I tried to resolve it with EXPERIAN but both there phone system and web-site we non functioning

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 2023-08-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Our CD interest check was mailed by XXXX  in XXXX of XXXX and we never received it. We filed a fraud report with XXXX  and found our check was cashed at Wells Fargo. We learned through XXXX  that the check was never endorsed. We can not get our interest check of {$520.00} until Wells Fargo pays XXXX. Nothing is happening since we filed the fraud report in XXXX XXXX. I reported this to MN Attorney General of this problem. They sent Wells Fargo a letter regarding this fraud. Wells Fargo send us a letter and said they looked into this complaint and due to the privacy act they can't give us any information and are closing this complaint. This is a federal matter. Someone opened our mail and cashed our check. Neither XXXX  or Wells Fargo will give us our interest money that we have already claimed our XXXX taxes.

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 2023-01-04
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:
On XX/XX/2022, I sent letters to all XXXX credit bureaus, asking them to verify the debts below. 

XXXX XXXX {$410.00}. 
XXXX XXXX XXXX {$1800.00}. 
XXXX XXXX {$880.00}. 
XXXX XXXX XXXX {$1300.00}. 

I demanded that they provide me with all the documents pertaining to these debts to verify accuracy and the legitimacy of these collection items. The response that I received to this, was simply Verified. They did not provide me with any information as to how such conclusions was reached. 

On XX/XX/2022, I sent a second letter to each credit bureau, demanding that they provide me with the original contract, from the original merchant, that shows the original balance. The credit report agencies have not been able to provide this information to me, and yet refuse to rectify the information they are reporting under the FCRA 609/611 provisions.

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 2023-01-06
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I recently added XXXX dollars on a chime card at XXXX to pay my Internet bill because I go to online college and I need the Internet to do so and I get home to pay the bill and it was declined i then called chime and they informed me that my account was suspended I was then asked to send copies of my ID and a bill with my address on it so I did that numerous times Because every time I sent the documents they would send me an email saying to send them again. I have spoke to chime repeatedly but they just gave me the run around saying that they would have someone contact me I got i spoke to a supervisor and he told me that they would have this taken care of as soon as I sent the documents so I did that and it's 4 days later and they still have not returned my money and now my internet is going to be shut off and I won't be able to attend class

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated

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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complaint : Capital One has unfairly paid me a lower rate of interest than other customers for several months and refuses to reimburse me for the lost interest. 

On XX/XX/2022, I logged into my Capital One 360 Saving Account to review activity. I noticed on my most recent statement that I was only earning 0.30 % APY on my funds. However, on their website, Capital One was advertising that they offer 3.00 % APY on all funds held in Capital One savings accounts. 

I immediately called Capital One savings customer service to inquire why I was being compensated far less than their advertised rate. The customer service rep explained that my account had been discontinued some years prior and, because of that, the interest rate was never updated. 

The customer service rep explained that I should have been notified of the discontinuation. I searched my records ( email, phone, text ) and I have absolutely nothing about updates to my account. I asked the customer service rep to retroactively amend my account status and reimburse me for the interest lost but was refused. 

After lodging a complaint with XXXX ( as requested on the BBB website ) I was informed that no notification was ever sent to me regarding my account status and that they refuse to reimburse me for the incremental interest I did not receive. 

I find this practice extraordinarily underhanded. I suspect that Capital One is intentionally opaque and deceptive about account servicing with the hope that their customers will not notice that they are receiving a far lower rate of interest than they are paying other customers. When Capital One discontinued my account, I should have been notified, and automatically placed into an account that pays a market rate of interest. Instead, I am out several hundred dollars of lost interest payments. I suspect other customers have suffered this as well. 

I hope to hear your thoughts on this. Please let me know if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting inaccurate information on my credit report and i requested an investigation and correction and they are refusing to do so i have attached the document i was sent refusing to investigate also i would like their method of verification, their source, also reason why its there on MY 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: DC
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 father and I have the same name. My father settled the account of {$1200.00}, XXXX XXXX CREDIT CARD sent the confirmation to me on XX/XX/XXXX. I gave the information to Equifax and did a dispute. I supplied them with the confirmation of the payoff. The dispute was filed on XX/XX/XXXX. It was completed on XX/XX/XXXX. Equifax did not do anything. I want this removed from my credit report because it is causing me financial and mental harm. I am a XXXX veteran and this is very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is not updating and reporting the current balances on the account. XXXX XXXX has reported a balance of {$1200.00} on XX/XX/2023 and XXXX failed to update the balance and then also failed to acknowledge a mid cycle update a few days later in XXXX as well for the current balance of {$1000.00}. Therefor failing to report a credit an accurate debt to ratio percentage.

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 2022-06-28
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize this debt or the collector and when I reach out for more information including signed documents, dates of the debt, etc. I only get a letter stating who the collector is and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Re : Case number : XXXX I purchased two Vanilla Visa Prepaid Card in the amount of {$500.00} each on XXXX I could not registered the aforementioned prepaid cards because the numbers were scratched off of both cards. I immediately called the number provided on the card ( XXXX ) and had the cards frozen. I was informed by a customer service representative that the card was inactivated due to them freezing it due to it being compromise. I was asked to email pictures of the cards front and back, my personal ID and the receipt to XXXX which I did right away. Called on : XXXX was told 30 days from email Called on : XXXX case is still ongoing expect info on XXXX XXXX  XXXX Called XX/XX/XXXX told not resolved and to call back in XXXX hours and it will be determined because XXXX was Escalating the case Called on XX/XX/XXXX spoke with XXXX will be getting card within 7-10 business days, so by XX/XX/XXXX. Two Cards will be in the amount of {$500.00}. It will come to my home address. It is now XX/XX/XXXX and no cards have arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Strategic Alliances, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
1FAM IS ILLEGALLY COLLECTING ON BANKRUPTCY DEBT USING AN XXXX CALL CENTER BECAUSE IT IS SO CLEARLY ILLEGAL TO DO SO IN XXXX. XXXX XXXX IS THE EXECUTIVE RESPONSIBLE AND NEEDS TO BE ARRESTED IMMEDIATELY! HE IS THE CHIEF CREDIT OFFICER AT DESERVE AND IS BASED OUT OF XXXX HE IS CONSPIRING WITH A SALES EXECUTIVE AT 1FAM WHO ANSWERS THE SALES PHONE NUMBER! THEY HAVE REMOVED THE PHONE NUMBER FROM THEIR WEBSITE SINCE THEY PANICKED WHEN I CALLED THEM TO GATHER INFORMATION ON THE FRAUD! XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BlueChip Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
We did not apply for a loan at all and received {$0.00} funds. They have txted my husband on my phone to collect first payment. When we called automated system said we had a zero balance. When transferred to a live agent he tried to collect {$250.00}. Payment due. When I called it a scam he wanted our vital info to proceed with a claim. 

Call XXXX for a dose of the same!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation