BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out an auto title loan with Wilshire Consumer Credit on XXXX/XXXX/XXXX. I had a XXXX GMAC Envoy worth about {$6000.00}. I took the loan out for approximately {$3500.00}. 
The vehicle motor gave out at {$200000.00} miles. I requested that the lender pick up the car to settle the debt. They picked up the car and sold it in auction. I never received received any documentation of the settlement. I was told vehicle was sold. This company is reporting this debt in all XXXX XXXX repositories, XXXX, XXXX, XXXX as charge off XXXX balance due. They have a DBA called Westlake Services that is reporting on all three repositories, XXXX, XXXX and XXXX open date XXXX/XXXX/XXXX. This is 12 days after Wilshire Consumer Credit report date of XXXX/XXXX/XXXX. They are the same company. I need this creditor to to remove the creditor Westlake Services with a balance of {$4700.00} to match the XXXX balance as reported by their sister company Wilshire Consumer Credit that shows a XXXX balance. I need the balance of Westlake Services Services as XXXX owed or they need to delete Westlake Services from all the repositories.. This negative balance odf {$4700.00} is affecting my credit utilization on all three repositories. If you look up the reviews with Consumer Affairs and the RIPoff report. This company has a bad reputation. I need my credit report XXXX with this balance of {$4700.00}. They are trying to ruin my credit by trying to report the same information differently. Please have this auto title company remove this balance. I do n't owe it. It should match the same history report as a Wilshire Consumer Credit. 

Thank You, XXXX XXXX : - )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
Because of the Pandemic during the months of XXXX and XX/XX/2020 the car payments were late. I called the Lender and explained that Millions of people were waiting for their unemployment payments due to not working because of pandemic. Lender agreed that I would not be penalized for late payments. All of a sudden I notice my credit score drops 30 points because the lender reported me late. I was able to make my XX/XX/2020 Payment because I received the {$1200.00} stimulus check but I was still waiting on my unemployment. I Filed for that unemployment in XXXX and did not receive my first check until XX/XX/2020 and you will see that on my credit report I made a payment of XXXX and XXXX at one time. The lender did this on purpose they know late payment will drop your score and if they keep your score low they stay in business. Something needs to be done about this type of fraud. I have no problem allowing my cell phone records to be pulled to show proof there were calls to the lender during that time. What other reason would I be calling the lender? I have never called them since getting the loan and since the last call to dispute. Infact I can show my bank statements where I was not charged late fees for that month so then why was I reported late to credit bureau.

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 2021-01-08
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There account reporting from Macys its already paid. This negative report affecting my credit score.

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 2016-11-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase bank charged an unauthorized {$70.00} against my bank checking account number XXXX. I dispute this charge made XX/XX/XXXX PST against my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
My due date was on a Sunday, XXXX/XXXX/16. The payment was delivered on Monday, the next business day, and yet I was charged a {$25.00} late fee. I have never made a late payment in the lifetime of the account and I am concerned this is an intentional practice to extract late fees for payments that can not be delivered on days when banks are not in session.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX I've sent disputes regarding to those unknown and inaccurate account I found on my credit report. but, It's 60 Days now I haven't received any response. I'm a victim of XX/XX/XXXXData Breach. I demand to DELETE immediately those accounts or I will file a litigation.

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 2016-03-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was placed on the long term modification program to alleviate my financial difficulties. I have now been out into default because chase did not put the past due balnce into forbearance as the XXXX rep told me would happen. Now all of my loans have become accelerated and are asking me to pay all loans in full. I can not do this, I am barely able to make lower payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I have Chase XXXX Credit Card with JPMorgan Chase and I was charged {$37.00} in interest despite having paid my balance. I reached out to JPMorgan to informally resolve the issue, but was just given formulas and told the {$37.00} would not be given back. Right now my full balance is paid and has been since my statement ended. 

I believe Chase either intentionally or mistakenly took {$37.00} from me. XXXX # XXXX so I will fight back, but who knows how often JPMorgan Chase is either intentionally or negligently taken consumers money. 

You can reach me via e-mail at XXXXXXXXXXXX or on my cell at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: AMERISAVE MORTGAGE CORPORATION
State: ID
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been refinanced my mortgage with AmeriSave Mortgage Corporation on XXXX 2016. Then I told XXXX XXXX XXXX and XXXX XXXX XXXX that I will pay a Property Tax and Home Insurance by myself. But XXXX XXXX and XXXX XXXX and their company did not agreed it. They forced me to gave money to them and they told me that they will pay Property Tax and Home Insurance for me. Then I sent my money to them and they collected my money but they did not pay Property Tax for my home. Today, I got a bill with interest, and late charge from XXXX XXXX XXXX as following : Base Tax : {$830.00} Late Charge : {$16.00} Interest : {$58.00} I am trying to contact them but they told me that they did not have collected a money for Property Tax and Home Insurance. I would like to know that are they a scam company or not?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Funding Response & XXXX Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see Midland Funding XXXX Validation Attachment XXXX. 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response & XXXX Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I call to American Express prepaid card on XXXX/XXXX/2016, Regarding a re occurring debit that was not authorized by me. I had contracted XXXX XXXX DBA XXXX the weeks prior tto me calling AMEX prepaid to obtain copies of authorization to debit the account on a monthly basis. I was not able to obtain any documentation from them regarding a contact or a withdrawal authorization. On XXXX XXXX, 2016 I received an email for The Blue Bird Team stating charges were justified based on their investigation and will provide me documentation. I have been in communication with them and they are stating they can not provide me with any documentation and the {$290.00} is not eligible for credit back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
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: Was not notified of investigation status or results

Complaint:
I have submitted disputes of inaccurate information on my credit report and nothing has been done it has been well over 60 days and by law these items should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
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:
REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with ECG Debt SETLMENT that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on m y credit Score  The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OV ER 15  HRS A WEEK every Week trying to resolve this

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 2021-01-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
California company XXXX XXXX XXXX XXXX is attempting to shake down/extort me for an alleged debt owed. They are illegally operating as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and other phantom names that do not exist. The company has no DBA 's for any of these names and refuses to identify themselves on phone calls. The person I spoke with was XXXX XXXX, a known administrator of the company along with her husband XXXX XXXX. They are illegally pretending to be attorneys, when they are in fact not attorneys. They have told me a lawsuit was filed against me when no suit had in fact been filed, they have said there is an open investigation against me for breach of contract and malicious intent to defraud a bank, leading me to believe I had committed a crime and could be arrested. They have called my mother, sister, father and threatened them. They have left threatening voicemails and refuse to leave me alone and my family alone. Phone they have called from include XXXX, XXXX, and 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 2021-10-03
Company: EQUIFAX, INC.
State: CA
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 sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, Equifax and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them. I am not a credit repair company, nor am I a mortgage company.

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 2015-10-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was late with my payment due to my wife taking over the bills and not paying the balance. American Express has continued to call my parents at their own address at phone numbers that were never given to AMEX. I do n't appreciate the utter embarrassment they have caused me in calling my parents regarding a past due balance. My finances are not my parents business nor anyone elses. I sure hope this complaint gets attention, as I will be follow up regarding this complaint. I want to see AMEX forms of communication change, since the tactics they are using are very harassing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
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 is missing that should be on the report

Complaint:
Early in XXXX, I requested a copy of my credit report from Experian and discovered one of my son 's accounts appeared on the report. I called Experian to have that account removed. Unbeknownst to me, Experian also removed my principal credit card in error from my credit report. I have been trying to get Experian to reinsert it since then. Numerous phone calls to Experian have yielded no result. I was told by Experian that, since the creditor was XXXX XXXX, I would have to contact XXXX XXXX  to have that account reinserted to get the account back to Experian. I contacted XXXX and was told that they could not do that ; that the account was deleted due to a dispute by the consumer. This is not true. This is Experian 's error. 
The credit card account that they deleted is my principal credit card ; the only one I use. It is the backbone of my credit score, which is suffering right now due to its absence from my report. I have had this account since XXXX, and I pay this account on time and in full every month. My record is spotless. 
I have contacted Experian numerous times ( they have records ). Today alone ( XX/XX/XXXX ) I spoke with no fewer than 7 people there, to no avail. I need this issue resolved.

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 2021-01-08
Company: AmeriCollect
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ameracollectpay.com has been calling repeatedly and never says what debt it is. I don't owe them or anyone anything.

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 2016-10-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I purchase a item the item was cancelled the store sent the money back to the card and now the company says My account has been closed due to a fraud investigation this has been ongoing for about XXXX months now when in fact me and the merchant called and talked with someone.I heard nothing from them in regards to my account, I have to keep calling them with no response besides call XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Overdraft, savings or rewards features

Complaint:
XXXX issued a prepaid reward card valued at {$120.00} through American Express. CFPB guidelines say these cards never expire, and can be reinstated if they do pass a printed expiration date. I contacted American Express and they say the card can not be reinstated. The expiration date listed is XXXX 2016. 
These financial companies make the majority of their profits on lost, unclaimed, or the " past due '' feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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