BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted XXXX XXXX on XXXX XX/XX/XXXX because my auto loan that I took out back in XXXX for {$14000.00} and today my loan is {$12000.00}. I told them im a military vet how is XXXX and now on a fixed income and can no longer afford the car as well as I believe fraud is going on due to my balance not going down. Every time I call I get hung on or get told they can help me but I have to wait 2 day for approval then say they don't know what im talking about. Everyone is rude and no one want to help. This company is a scam and they do not help people, all they care about is money. I am one the phone now and now the call is silent and I wasn't put on hold. This is crazy, and now being told I have to file bankruptcy and then at that point I can call about a settlement, which don't make sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2017-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  Portfolio Recovery .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection   agency not a Government Agency like Department of Education.
Portfolio Recovery Associates are reporting the account as a collection account not a Student Loan Education Account, and they are   not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as   " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.
The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with Portfolio Recovery and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to Portfolio Recovery for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit b  ureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir or Madam, I opened a chec king and a saving account with Citibank in   XXXX   2016 : - As a new consumer, I was supposed to receive  XXXX  $ after a period of 120 days following the opening of the account. It was an offer that they advertised on their website, and I signed up for it when I opened the accounts - I complied with all the conditions ( amount to put on the account, etc. ) - I reached out to my personal banker many times about it. He said that City bank was having " IT problems '' and that the transfer could not be completed. They are now 4 months late, and I can not imagine that a multinational like Citibank would have " IT problem '' for 4 months - I would need your help to force Citibank comply with what they advertise Thank you

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 2017-03-13
Company: Key Management Company of Missouri, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full and they refuse to remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions 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:
I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the American Express XXXX XXXX based on a specific offer that was sent to me for {$200.00} when I spend {$2000.00}. This was the only reason I got the card. I have never had the card before. I spent {$2000.00} on it. I just chatted a customer service rep, XXXX, ( XX/XX/2022 ) and he claims that I " denied '' the intro bonus, which is simply not true. I have never received ANY notice whatsoever that I would not get the bonus and I signed up specifically based on the bonus. I would never have used the card or agreed to it without this bonus. His " remedy '' is to submit a report that would take 6-8 weeks to resolve. This is an unacceptable remedy to this situation. I submitted a complaint with the XXXX XXXX XXXX and an American Express representative ( named XXXX ) did contact me but DID NOT offer any resolution and furthermore was rude. She claimed that because American Express included fine print in its agreements that give it the power to terminate any offer, it has the ability to exercise that at any time -- a WARNING to all customers seeking American Express credit cards that they can and will randomly NOT HONOR their agreements per their discretion. These actions seem fraudulent to me that a company would coerce consumers into agreements with promises of bonus offers then NOT HONOR such agreements solely because they claim not to have to based on the fine print in their contracts. BEWARE AMERICAN EXPRESS CREDIT CARD OFFERS. I will be escalating this further with the XXXX, CFPB, and the media.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was for the amount that XXXX XXXX XXXX XXXX XXXX looked for reimbursement due to an accident involved their insured client. However, XXXX XXXX XXXX XXXX XXXX employee was able to contact me earlier. I gave them my automobile insurance claim number. The debt was paid off after XXXX XXXX XXXX XXXX XXXX employee contacted my automobile insurance company. I confirmed with my automobile insurance company claim adjuster that the full amount of this debt was paid. NCB Management Services Incorporated says they represent XXXX XXXX XXXX XXXX XXXX and its insured, who was involved in the accident and keeps contacting me about the debt that was already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Professional Credit Analysts of MN, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI PROFESSIONAL CREDIT ANALYTS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}

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 2022-01-31
Company: EQUIFAX, INC.
State: DE
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 have contacted Equifax XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Maximus Education, LLC dba Aidvantage
State: DE
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 have contacted XXXX XXXX and XXXX concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: SYNCHRONY FINANCIAL
State: MO
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 reporting an old account on my report, via SYNCB/Care Credit, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand SYNCB/Care Credit provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both SYNCB/Care Credit and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe SYMCB/Care Credit a dime, and they know it, and XXXX  should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum  any negative remarks on it should be removed 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 2016-06-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Well Fargo dealer services, they keep harassing me. I will get 4 to 5 calls a day from them. After they disconnected with my line they call my brother 's number the same amount of time, that between 8 to 10 attempt in one day. Not only are they calling the loan holders but they are harassing other member of my family that have nothing to do with this loan. 

When we do speak with them, the supervisor XXXX, threatens me about coming and getting my car, tells me that my hardship is inexcusable and will not work with me at this time. I have explained my hardship and tried to work out an arrangement with them. 

I am still being harassed by Wells Fargo dealer services even after we have explained that I am going to be filing bankruptcy

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 2022-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have new and updated information. I filed a complaint about inaccurate personal information being reported on my Equifax consumer credit report and file. Equifax responded XXXX XXXX stating the disputed items were no longer being reported on my consumer credit report and file and that they mailed a letter with their findings to the address on file. This is false and misleading information because Equifax mailed a postcard about allegedly receiving my request to add a fraud alert, which is also false and misleading information because I did NOT request a fraud alert. I clearly demanded a thorough investigation into the inaccurate personal information being reported on my consumer credit report and file. This postcard was a blatant stall tactic and proof of willful noncompliance from Equifax. Again, I did NOT give Equifax any form of written instructions to furnish, accept or report anything on my behalf, pursuant to 15usc 1681b ( 2 ). Equifax continues to tarnish my personal reputation and violate my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: MS
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 Credit bureaus stated my account was properly investigated but how is that possible if the open and close date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: U.S. Auto Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a car XX/XX/XXXX from XXXX XXXX XXXX, a sub-prime lender. We financed about $ XXXX at a very high interest rate ( 16 % ). We paid on the car until we only owed {$1700.00} in principal. Then my wife had to stop working because she had a baby. We asked for the company to work with us and wait 2 months for payment because we were so close to being finished paying, but they would not and they repossessed the vehicle in XX/XX/XXXX or XX/XX/XXXX ( I can not remember exactly but it was right around XX/XX/XXXX ). They charged off the remaining {$1700.00} In XXXX XXXX. Now, they are reporting new late payments in XX/XX/XXXX and XX/XX/XXXX which is hurting my credit and is not allowed on charged off debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI informed me that if I paid the debt they would delete off of my credit reports. AFNI is still reporting as a collection on my XXXX and XXXX credit report.

Company response to consumer: Closed with explanation