BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account 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 Section 2 : 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 2023-09-18
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Updated Payment Amount or Refund Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant issue regarding multiple car payments totaling {$5000.00} that were made through my XXXX XXXX account to USA Auto Sales. Unfortunately, when the company went bankrupt and was subsequently sold to Westlake Portfolio Management, the payments were not transferred, and I am now facing uncertainty regarding the status of these payments. 

Beginning on XX/XX/2022, I diligently made several payments to USA Auto Sales for the purchase of a vehicle. These payments, totaling {$5000.00}, were made as per the agreed-upon terms and conditions of the financing agreement. However, due to the unexpected bankruptcy and subsequent sale of the company to Westlake Portfolio Management, the responsibility for managing and allocating these payments has now shifted. 

Despite my attempts to contact Westlake Portfolio Management regarding the transfer of these payments, I have not received any satisfactory response or resolution. This lack of communication and transparency is causing significant concern and financial uncertainty for me. As a responsible consumer, I believe it is my right to receive accurate information about my financial obligations and to ensure that my payments are properly allocated. 

In light of these circumstances, I am reaching out to the Consumer Financial Protection Bureau to request assistance in resolving this matter. I kindly request that the Bureau investigates this issue thoroughly and takes the necessary steps to provide me with an updated payment amount or, if deemed appropriate, facilitate a refund for the {$5000.00} paid. 

I have attached all relevant documentation, including proof of payments made from XX/XX/2022, onwards, as well as any correspondence with Westlake Portfolio Management. I trust that these documents will assist the Bureau in understanding the urgency and importance of this matter. 

I sincerely appreciate your attention to this issue and kindly request a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details. 

Thank you for your time and assistance. I look forward to a positive outcome. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: LA
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:
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Bridge It, Inc.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had signed up for this company a few months back when I was teacher. I lost my job XXXX months ago and pushed my loan repayment off. I recently just started another job and opened a new account. This company without permission or authorization, somehow found my account that was never given or linked to them to take money from it which was bill money. I dont understand how they can even do that when real banks do not even do that. I did not authorize the payment or give them access to my new account so I honestly do not know how they got that information and I will be investigating further on that specific part of the incident. My complaint is that they went into an account I never gave them access to to take money that was not authorized and they are not being helpful. The government does not even steal money and access accounts without permission. I NEVER GAVE THEM MY ACCOUNT INFORMATION so how were they able to find it and access? I am also filing a police report for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was purchased b y Amerihome in   XXXX     2015   (  2 months after we purchased  )  our home. I unexpectedly lost my job  XXXX     2015.    As I struggled to make mortgage payments, I reached out to  Amerihome  for info on the loan modification program. I applied. It has been a run around since then. Here we are a year and half later and I 'm still trying to get a response on the loan modification results. They keep requesting that I send in hardship letters, I do send in all supporting documents via certified mail that requires a signature. The last I heard I was supposed to get a response by  XXXX   XXXX . I just got off the phone with them and they are telling me that my account is on freeze. But, even after speaking to th e manager by t he name of  XXXX  he ca n't tell me why. He told me it would take another  24- 48  hours to reach out to the underwriting department. This is ridiculous. They are assessing all sought of fees making it imposssible to really catch up and stay clear of foreclosure. Hence, the reason I applied for loan modification in the first place. This has been going on for too long. Almos t two yea rs now with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2019 I submitted my loan modification package to OCWEN and they refused to help me. I resubmitted my loan modification package again on XX/XX/2019. After that I received a letter indication my loan was transferred to PHH Mortgage. On XX/XX/2019 I resubmitted my case by email and uploading my documents on the website that indicated the notice of lender transfer letter. I have received an email requesting more documents that I have submitted. After that I have received the foreclosure notice. 
Reviewed the website and nobody reviewed the documents submitted. The law office sent by email my package and the indicated that they will not review it due the proximity of the foreclosure sale date. 
Informed them that they have my document 2 month before the foreclosure, the relationship manager never attend the calls, and the home retention department doesn't have knowledge of the review status of a loan modification. Now they change ( again!!! ) the servicer 's name to XXXX. In addition the foreclosure attorneys never send us the foreclosure notice letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a " High Yield Savings '' account at Synchrony bank on XX/XX/23. I funded the account via an ACH pull transfer into my Synchrony account from an external account I held at another financial institution. I submitted the ACH request at Synchrony on Wednesday XX/XX/23. The funds were withdrawn from my external account on Thursday XX/XX/23. The funds should have been received and posted to my Synchrony account on Friday XX/XX/23, yet the funds were not posted until Monday XX/XX/23. Synchrony did not credit me interest for the period between XX/XX/23 to XX/XX/23. 

I called Synchrony and asked for the missing interest to be credited. They refused. They claimed that ACH deposits can take up to 3 business days. I told them that XXXX, the institution which manages the ACH network, told me the transfer only takes XXXX days and that based on the dates I conveyed to them the funds should've reached Synchrony on XX/XX/23. XXXX also indicated that financial institutions who participate on the ACH network are required to post funds on the day they are received. I asked Synchrony to provide me a copy of the ACH transaction log, which includes the relevant dates including date of funds receipt, a log which XXXX told me is available to financial institutions. Synchrony refused to share the transaction log for my ACH transfer.

Here is the relevant funds availability clause from Synchrony 's account agreement : " Funds from ACH deposit transactions that we originate for you will be available for withdrawal on the fifth Business Day after the deposit has been credited to your account if the deposit is the initial deposit to your account and on the third Business Days after the deposit has been credited to your account for subsequent deposits to your account. If you register your external account with us and complete the Banks random payment verification process for that account, funds from all deposits from that registered external account will be available for withdrawal on the Business Day that we receive the deposit. '' Source : https : //www.synchronybank.com/documents/account-agreement.pdf I registered the external account on XX/XX/23 and entered the ACH random deposit amounts into my Synchrony account on XX/XX/23, after which the external account was marked verified. I initiated the ACH pull transfer using that verified profile the same day. In other words, I satisfied Synchrony 's stated requirement for funds being available " on the Business Day that we receive the deposit ''.

Based on my online research many other account holders at Synchrony have experienced similar delays in deposit posting and missing interest accrual.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is the XXXX time I have submitted a complaint about applying for the Apple Credit Card, GM Rewards, and GM Business Rewards. Every time I apply I get a message to upload my driver 's license, I have been doing it. After several days I got the same message : Unable to verify identification information. I have been calling and calling and they don't tell me what this message is about. As I understand is that they can't verify my driver 's license. I keep uploading the same picture because is my driver 's license. I don't know what else to do and they are not giving me any more information. In the last XXXX complaints, they have responded the same, that they found some red flags but they don't tell me what, they haven't called me or anything. I need an explanation as to why this is happening, I will also upload a picture of my driver 's license. I will also include a picture that they are approving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Navy Federal and XXXX XXXX  submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX    XXXX   rides equalling {$180.00}  XXXX  atm withdrawals= {$90.00} {$50.00} withdrawl fee {$13.00} withdrawl fee Checks I paid for but never used {$20.00} Original balance in the account {$12000.00} {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson CapitalXXXX XXXX XXXX XXXX XX/XX/2019 Attempted To Let Them Know My Identity Has Been Stolen & Wanted Them To Verify Debt With My ID & Signature On Original Document They Haven't Produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. 

As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. 

I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. 


I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX  s agent,   XXXX   XXXX   XXXX        XXXX , and  Nationstar  egregious and unconscionable conduct has been reminiscent of the  XXXX  scandal.   XXXX   XXXX   XXXX   XXXX   's agents have chosen to cover up their wrongs and self-correct opposed to letting the judicial system work.        XXXX   XXXX   XXXX    and  XXXX  scheduled a foreclosure sale on my property after accelerating the note ;  XXXX  was conveyed a Trustee 's Deed ;  XXXX  was awarded Judgment of Possession ; I 've adversely possessed the property after the execution of the Trustee 's Deed ; I filed suit to reverse the invalid sale and stop post-foreclosure eviction which is currently pending,  XXXX  secretly sought to rescind the sale without authority and during the pendency of the lawsuit ;   XXXX   XXXX    XXXX  secretly sought to reinstate the loan during the pendency of the lawsuit after the foreclosure sale and transferred the secretly reinstated loan to Nationstar to collect.     I have filed ov er 70 complaints with the CFPB, the governmental agency that oversees these servicers. My complaint history starting in 2014 documents the Bank 's agents reprehensible conduct. Notwithstanding, there h as only been subsequent acts of deceitfulness, trickery, and fraud after each complaint filed. Understandably the CFPB ca n't advocate on my behalf, but this is good source for documenting the fraud and ensuring the government has  an audit trail o f the consipracy.     I will be filing grievances with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  against  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX . These attorneys have lied to the Courts, filed  Court  motions and pleadings with lies embedded ; have concealed information from the Courts such as the alleged Rescission, and has filed affidavits to support the conspiracy. These Officers of th e Court  has violated the Texas ethics rules governing attorneys ' behavior. Attorneys should advocate for their clients, but lying is unethical.     The transcripts and docket entries from  the County, State, and Federal Courts, CF PB records, and other agency 's records will substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On today   XXXX   XXXX   XXXX   a representative of the company  National Credit Systems of  XXXX  Ga  contacted me in reference to a rental property bill from  XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the  manager   XXXX   XXXX  who refused to help and was also rude. I called again to verify that the representative who called name was  XXXX   XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: UT
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 XXXX and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.

Company response to consumer: Closed with non-monetary relief