BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Sunlight Financial LLC
State: VA
Product: Credit reporting 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:
unauthorized usage of my credit I see multiple inquiries being done without my consent and I'm not the one applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: U.S. BANCORP
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a CD secured loan with US Bank. They failed to match the loan maturity with the CD on purpose as when I tried to refinance to do so, I contacted 5 branches of the bank and each one stated after not knowing what a loan officer was that I would have to break the CD to refinance or get a new loan matching the original CD maturity. On a {$250000.00} loan secured by this a CD of equal amount, one branch said all they could loan me is {$100000.00} but I would have to break the CD before maturity to do the loan documentation. The next branch said that yes they could loan me the full amount of the CD but again I would have to break the CD and place in a new CD for a new CD number to be used in the loan processing. In all cituations, the plan is to steal the interest accumulated on the original CD with an early withdrawl penalty!!!!!!!! US Bank has been doing things like this for a long time and cost us on this transaction by having to finance with another Bank {$3500.00}. This is real money to me. US bank needs to be stopped. They need to hire people with financial degrees or education not form fillers who don't know what a loan officer is. After I did not accept the loan terms they suggested they sent letters of declination based on income with the one loan when I was never asked about income in our application or request. The other loan denile stated simular ridiculous and fabricated terms for denile. By the way the CD that was securing the debt had accumulated interest well over any payoff of the loan. How would I not have the income to pay if off. I think they should be penalized for the loss I have incurred and money given to me not the office of the comtroller or federal reserve.

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 2023-03-31
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On the XX/XX/2023 i made a car payment and I received a call on the XX/XX/2023 saying that my credit score was going to be charged off after explaining that im unemployed & i wont be able to make on time payments I explained my situation i make payments weekly for the value of a car which is {$2200.00} the dealership sold me the car for {$10000.00} the car was damaged & broken i called westlake financial for help they purposely put my car in repossessed hold because they cant help with servicing cars. I couldnt make the payments on time but they allow me to make late payments multiple times i have documents they transfer my account to a debt collector westlake financial theyve allowed me to make multiple late payments too their numbers is XXXX i was 24 days late on a payment and they repo the car. The car was broken down westlake financial as a debt collector couldnt provide any help so they put the car on a repossessed hold & XX/XX/2023 i made a payment missed 24 days they illegally repossessed the car as fraud theyve allowed me to make late payments countless times & theyve say ive missed certain days, weeks, & months but theyve still took the payments while i had the car on the XX/XX/2023 & they called on the XX/XX/2023 told them i was struggling with work Ill make a payment at the end of the month if i can. They repo the car in 24 days on XX/XX/2023 no warning, no call & no mail.

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 2021-07-11
Company: EQUIFAX, INC.
State: MT
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers 6 & 7 listed below appear to be duplicate accounts.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 9. U S DEPT OF EDXXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX super frustrated I went a head and reach out to you and describe HORRIFIC DISASTER of has happened to me.. I AM A XXXX. 
I am one of those with the XXXX. Who could no loner continue to work. 
I have defaulted on my mortgage and I am asking for help fro m Nation Star. Al I want is to be able to keep my home. I have XXXX children. 
I am requesting from Nation Star to stop the sale date which they moved to XXXX XXXX and review my file for a loan modification All I need is a work out plan that will benefit us all. 
I am asking that they extend the terms of the loan, lower the rate and adjust the principal balance. This will definitely make my home affordable and sustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had two erroneous charges from a hotel in the XXXX. This hotel was paid for in advance by XXXX XXXX XXXX XXXX has confirmed this. 
The merchant XXXX XXXX XXXX XXXX XXXX XXXX said they have processed refund but instead they have erroneously charged the bank card twice for the prepaid stay. They are saying they have processed refund but that my Bank is not refunding. there was a charge on XX/XX/XXXX and Pending also charge on XX/XX/XXXX I have two erroneous charges now totaling over XXXX dollars combined. 
Wells Fargo is no help they have refused to provide me with the foreign currency purchases. Wells Fargo Bank refuses to give any information on the actual foreign currency amount. I have had transactions in foreign  currency submitted by foreign merchants and Wells Fargo refuses to gives the foreign currency amount charged by the merchant and what Wells Fargo currency conversion rate is they will ONLY provide US dollar amount that does not correlate with foreign merchant purchase in local currency. I have no way to check with any foreign transaction if I have been charged the correct amount. The agents are rude and obstructive and hang up on customers. I have no way to get this issue with the erroneous charges resolved because the merchant charged in XXXX XXXX XXXXXXXX and Wells Fargo is only saying they have information in dollars. How can Wells Fargo be denying me access to the foreign currency amount charged by the merchants. These transactions were processed in a foreign currency. Wells Fargo is deliberately hiding the exchange rate and denying customer ability to see actual transaction. I need these erroneous charges disputed. Wells Fargo is making this impossible.

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 2019-10-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Last year in XX/XX/XXXX I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my Nissan motor company to send a title to the XXXX   Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask Nissan to send them one year before in XX/XX/XXXX I called Nissan in  XX/XX/XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending title and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV New York when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can have payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving extension they also inform the XXXX   XXXX about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report i am living with my XXXX kids and wife and got to situation of eviction when we were not having any place to live i am in worst condition of my life because of only nissan playing with my life you guys are only the hope for me i am looking forward for help from you to settle all this addition to that i am also filling a suit against Nissan in district court which brought me to worst financial crises of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my loan with the XXXX/Nationstar for the past 4 years. I have attended 3 mediations where they have participated in bad faith. They have never proved ownership of the note. The note was securitized into a trust then sold as certificates to investors with NO RECOURSE. XXXX has recorded an assignment in my county recorders office that they are acting on behalf of their investors. They are a Trustee and only a trustee, they do not have any beneficial ownership rights to my property and since the investors have no recourse they should not be allowed to foreclose on my home. Since the 3 failed attempts at mediation I have filed a petition for judicial review. The judge ordered us back into a 4th mediation. Four years ago I tried to negotiate a principal reduction with the help of the TARP funds. Nationstar is a participant of the TARP funds however never offered me any help or assistance with not losing my home. From day 1 it was their sole attempt to foreclose for the cash funds. I wish I would have let them get the {$60000.00} my home was worth then compared to the {$180000.00} it is worth now along with my arrears now of {$43000.00}. I have basically maintained the home for their benefit. I am sick to death of their extreme unprofessional behavior as well as no care or concern of helping me through this situation that has drug on for 4 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers 6 & 7 listed below appear to be duplicate accounts.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. U S DEPT OF EDXXXX 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 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wellsfargo did me wrong in so many ways charged me higher interest on short term loans kept on giving me shorter notices..I had acct with them on XXXX actt : 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 2023-02-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
my name is XXXX XXXX i am writing you once again to complain about midland credit management a dept collector for violating my rights yet again as i have written this dept collector in the past and asked that this so called dept be validated and clearly i am feeling harassed and also in a deep XXXX over these tactics. 
the law states 15USC 1692 ( C ) ( A ) a dept collector may not communicate with a consumer in connection with any dept they are also in violation of 15USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) 15USC 1692 ( D ) ( 2 ) STATES a dept collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with a collection of a dept with out limiting the general application of the foregoing following conduct is a violation of this section ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader 15USC 1692 ( B ) AND 15USC 1692 ( C ) ( A ) for all of these reason and more enclosed is all of the proof you need to see and also letters already sent certified mail with receipts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I Have Disputed My Personal Information Such As My Name, Employer, Etc. With XXXX, XXXX, XXXX, But They Keep Refusing To Fix It According To 15 USC 1681 I Did Not Give Anyone Written Permission To FURNISH It In 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

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 2019-11-23
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/09 was advised if I drive to a branch a note was placed on account to allow funds to be released. The branch was 5 hrs from me. When the manager called they was not able to release funds. Have been told a number of times conflicting information, told to stop talking, relax and hung up on as well as supervisor call backs that have never came

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