BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Westlake Services, LLC
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an automobile loan with Westlake Financial. I have been making the regular payments, some on time and some late, it was never an issue. At approximately   XXXX   on   XXXX   XXXX  , 2017 they had   XXXX   XXXX   Repossess the vehicle. Upon leaving our property the driver of the tow truck drove approximately 40 miles in the opposite direction of the final holding location in  XXXX , NH. I know this because we have a vehicle tracking device installed. You do not need to drive west, north, east then south to get to a location that is east of where I live, unless you are trying to charge more for mileage At   XXXX   I called Westlake and was told I would have to pay the past due payments and all late fees on my account, plus the repo & storage fees in order to get the vehicle back. This amounted to {$1500.00}. They also told me I had 3 days to pay it or the vehicle would be sold.
I asked them to waive the late fees or put it on the end of the loan and was told that they could not do that, but that they could put the {$350.00} repo fees on the end, which would bring the amount to {$1200.00} which I paid on   XXXX   XXXX  , 2017. I was also told the storage fees would be {$30.00} total, but now I am being charged {$60.00} because Westlake took there time They also insisted that I give them all the same information references, proof of income and residency again. This is information that they were given less than 2 years ago at the onset of the loan.
They did not release the vehicle back to me until   XXXX   XXXX  , 2017 because they had n't scanned my information into the computer the day prior. Lame excuse.
When they applied the money to my account they put it on only payments and not late fees, storage or repo fees. They applied it towards past payments and the   XXXX   payment which was due on   XXXX   XXXX  . It covered all but {$22.00} of the   XXXX   payment, on   XXXX   XXXX   they started calling me in regards to the {$22.00} being past due. Seriously.
Then today  XXXX / XXXX /17 I received a letter in the mail from them " Notice of Intent to Sell '' which was dated on  XXXX / XXXX /17, 3 days after the vehicle was released back to me. I immediately called Westlake and was told well the letter was actually printed on  XXXX / XXXX /17 regardless what day the claim to have printed it does not matter whereas it was released on  XXXX / XXXX /17 so why print and mail the letter at all. I was told to disregard the letter by the person that answered the phone, but I am concerned They also robo call you when your payments are late. They also call at all hours of the day and night, multiple times per day on both my cell phone and home phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
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:
I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquiries 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 2020-12-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been struggling during COVID 19. We took our mortgage company 's forbearance help. My husband was told by one of their agents that after the forbearance that our balance would be put on the end of our loan. That was not the case. 
We extended our forbearance to avoid foreclosure and we started paying our monthly payments during the extended time. I was told by an agent that we could do a streamline while in the extended forbearance. I can not find a loan servicer that can do a streamline for us due to the inaccuracies on our mortgage statement and the fact that we are in a forbearance. On my payment history, it shows we have been paying our mortgage since XXXX. On my mortgage statement it shows that we haven't paid since XXXX and delinquent which loan servicers go off of the mortgage statement. 
During the extension, I applied for mortgage assistance and was denied all of the programs except a short sale. We owe a little over {$7000.00} and can not come up with that money all at once. We are going to lose our home to these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XX/XX/23 I was billed on my Wells Fargo credit card {$19000.00}. I have a credit limit of {$10000.00} plus {$2500.00} cash back. I did not giver permission for Well Fargo to charge over my credit limit or use my cash back or was I aware of it until I received my statement. I called to speak to a representative on XX/XX/23 about reversing the difference back to the company that charged my card and she just said that Wells Fargo could charge any amount over your credit limit they want to. Now I have fees and charges I can not afford and my credit score has gone down.I told the representative that I was going to complain to the CFPB she ask me if I wanted to be transfer over to Wells Fargo Advocate.

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 monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax 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 inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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:
When i received my credit report I noticed some inaccurate information and there is no information provided so how do they verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report, which I received from your agency. I am aware that as per the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that the information on my credit report is accurate, complete, and up to date. 

After reviewing my credit report, I have identified the following errors : There is an account under the name of XXXX XXXX XXXX with the account number XXXX. I would like to bring to your attention that this account has been verified by your agency, while other bureaus could not do so and have removed it. According to the FCRA, you are required to investigate and remove any inaccurate information from my credit report immediately. 

There are several instances of personal information that are incorrect. The following addresses do not belong to me and should be removed from my report immediately, as per the FCRA : XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) There are two names on my credit report that do not belong to me. The following names should be removed from my report immediately as per the FCRA : XXXX XXXX XXXX XXXX XXXX I request you to take prompt action on the above-mentioned errors and remove them from my credit report, as per the FCRA guidelines XXXX I also request you to send me a written confirmation of the removal of inaccurate information from my credit report. 

Thank you for your attention and assistance in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a piece of furniture on XX/XX/XXXX. XXXX was supposed to take place XXXX weeks after purchase. On XX/XX/XXXX the company filed for bankruptcy. They were purchased by another company who continued to say that would try to settle debts with vendors so that purchased furniture could be delivered to customers. In XX/XX/XXXX the company canceled my order and had me file a claim against the bankruptcy and be listed as a creditor entitled to payment. The deadline for submitting was XX/XX/XXXX. I emailed the law firm and they said to get back in touch after that deadline. Now they are saying that there will likely not be any reimbursement for unsecured creditors because the debts are too great. My bank is saying that they cant help me because I didnt file the dispute within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Resurgent Capital Services L.P.
State: NJ
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 XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian, XXXX and XXXX are reporting late payments for months on my credit report that I was on the rehabilation program with XXXX XXXX XXXX XXXX and in fact making payments to the XXXX XXXX XXXX XXXX during months XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make payments for XXXX that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In XX/XX/XXXX myself and the XXXX XXXX XXXX XXXX changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by XX/XX/XXXX. I was under agreement from XX/XX/XXXX-XX/XX/XXXX to pay my balance in full. I completed that agreement and paid my balance in full on XX/XX/XXXX. I would like for each credit bureau Experian, XXXX  and XXXX to update my payment history with the accurate info showing my account was in fact being paid for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And for the months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well I was under agreement at this time and was told that no payments were going to be reported late because of my  agreement that I had set up with the 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 2023-03-04
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because I noticed Amerifinancial Solutions had placed a debt for {$1500.00} on my credit report on XX/XX/XXXX. I reached out to emergency physician of XXXX XXXX  and have on a recording call that this bill should NOT be on my credit report which I can also provide the recorded call to all parties. I also reached out to Amerifinancial Solutions asking to verify that this debt is indeed mine and also for a copy for HIPPA authorization due to the alleged debt account being a medical account. Amerifinancial Solutions sent a bill which is not sufficed validation. Amerifinancial Solutions also did not provide a copy for HIPPA authorization for the alleged medical account. 
Under the health insurance portability and accountability Act of 1996 ( HIPAA ). I reserve the rights to protect the privacy of my personal information and medical records from all third-party reporting agencies. I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them.

They did not provide me with the any documents or signatures like I requested but a bill which is not sufficed validation. This debt was not properly validated and should not be on my credit at all. I demand that this false bill be removed from my credit report and again I can provide the recorded call from emergency physician of central fl to all parties. You are reporting false information to the credit bureaus! I have also had Medicaid around the time the alleged debt occurred, Fl Medicaid covers EVERYTHING! This debt indeed is not mine! Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Block, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went to withdraw {$200.00} from an ATM, using my CashApp card on XX/XX/2023. Due to unforseen issues, the ATM gave me {$60.00} cash of my requested {$200.00} amount. The full {$200.00} amount was deducted from my CashApp card. I have tried resolving the issue of the missing {$80.00} funds with both the ATM company- XXXX XXXX, and CashApp. I have contacted the ATM company about this matter and was told by their agents that I would have to request an EFT dispute with CashApp in order to receive the {$80.00} that was verified ( by the ATM company- XXXX XXXX ) to be jammed in the ATM machine. I have requested the EFT dispute with CashApp 2-3 times today ( XX/XX/2023 ) with a different agent each time, and each time they have refused to send the dispute forms. I have already submitted a complaint with the XXXX XXXX XXXX  I am at the point where I will withdraw the remaining funds from my CashApp card, delete my account and destroy my card. Their customer service is horrible and asking to speak with a supervisor only gets you being told " we don't have one that you can speak to. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a right to have my Federal student loans discharged under school closure for fraud, and other by   XXXX   XXXX  .
I was attending the   XXXX   XXXX   XXXX   XXXX  , working towards a   XXXX   year degree. ( Started in    XX/XX/XXXX ). In the fall of   XX/XX/XXXX , I  was to start my last semester. I decided to continue on with a   XXXX   XXXX   degree program    instead. I was told I would have to switch online location to another   XXXX   XXXX  . So, they enrolled me in another to start   XX/XX/XXXX . 
I then received an email that the school was closed and I could not attend. The MN attorney generals office had won a lawsuit that shut their colleges down. They were no longer able to receive government student grants/ funding, etc. Also endless articles in the media. And to date WI and South Dakota schools were closed as well.
Navient has repeatedly denied they are closed. I have submitted all of the appropriate paperwork multiple times, to different addresses, plus evidence of my own. I also have a letter Navient sent me in    XX/XX/XXXX     stating ... 'due to school closure ... under federal law I have a right to have federal loans discharged ... ' They also stated in their last letter that under the Department of Ed., the school is n't closed. However, their own letterhead, dated   XX/XX/XXXX , also be ars the U.S. Department of Education stamp/seal at the top.
I am going on 6 months of Navient telling me a closed college is open. And refuses to follow through with the next step of discharging the federal student loans due to college closure for fraud, deceptive business practices, and other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't have any idea about these accounts. This is purely identity theft. These accounts damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: NJ
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I responded to a email about applying for a credit card in which it was not supposed to affect my credit score, in which it did JUST THAT. I have hard inquiries from the same company ( XXXX  ). Im filing this report against experien. I also gave a copy of the email that I originally responded to for the offer

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