BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Westlake Services, LLC
State: GA
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:
In XXXX around the XXXX, American car center, American Financial, in Tennessee shut down. And fired all of it's workers, these employees were entering false information into their system to include payment dates this result led to customers accounts being charged late fees at extremely high interest rates, not only that but had customers running around tryig to pay their car loans and not leader 's to third parties to include convent  stores in neighbor 's a list was given out where you could go but when you got to these stores and used the account number given it did not exist or they couldn't find in example XXXX, XXXX and many others end result all accounts were charged. as being late and intentionally reported as such. Fast forward without any notice accounts had been sold without the knowledge of any account holders to Westlake portfolio management. They couldn't set up their web site when you went there it wouldn't work. They received my money but lied and said that they didn't have payments that was sent to California via post office then they switched to say that the paperwork was a lease. But it was a contact and at the end of the contract with XXXX payment 's I would own the vehicle. Not lease it but own it when they acquired mine there was only XXXX remaing on it then I would own the car I had paid and not missed a single payment for 4 plus years at every 10 days I would pay, now deception. They stated that they haven't received a payment from me in 52 days and repossessed my car, but the money orders were sent to them by the united states ' post office now they are asking for XXXX to get the car back after I have already put XXXX plus had to repair the car out of pocket because they would not repair it although the contract said that they would, at the time of the purchase I was told to go to the gas station because of low fuel the car broke down, then it had to be towed, then a major engine problem that cost me XXXX to fix because American car center American Financial would not instead they wanted me to take out an additional loan with them to fix their car that I was buying not leasing, buying and leasing at the same time if that makes since, reckless conduct and deceptive practices as of XXXX XXXX XXXX Westlake portfolio management had my car pulled from my driveway for none payment they switched it from being a loan to a lease and stated that it ran out in the XXXX of XX/XX/XXXX from XX/XX/XXXX, but they have been getting my payment and they told me that they got it on the XXXX of XXXX but I sent it on the XXXX  then they stated that it was posted on the XXXX, yet they got it on the XXXX according to the post office. Making it late mind you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECONDLY IVE NEVER OWNED AN ACCOUNT WITH THE ACCOUNT # STATED ABOVE AND ON MY REPORTS. NOT MY ACCOUNT.

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of  {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt

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 2023-05-20
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: Public record information inaccurate

Complaint:
I am disputing inaccurate information on the XXXX files. I am not disputing if it belongs to me or not. The XXXX  files has a name XXXX XXXX XXXX never belonging to me or my XXXX Under the fair credit act law I want to files deleted and removed from my file

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have inaccurate information reporting on my credit report. The late payments on XX/XX/2022 and XX/XX/2022 on my two XXXX XXXX credit cards are inaccurate and must be removed immediately!

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 2018-04-26
Company: Freedom Mortgage Company
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:
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, 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 2023-09-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed my Chase account had been charged {$16.00} for an Amazon XXXX account for the last 17 months. I didnt notice initially cause I thought it was our Amazon account but my husband informed me that he pays for our Amazon account with his credit card not our debit account. I contacted Amazon for more information and found out it isnt our account at all but I was being charged for it. We checked if friends or family use the account but nothing. I contacted chase and let them know what I discovered. They made claims for all of the money that was taken fraudulently. They informed me today that they wouldnt be returning my money because it was over 60 days old. They would only return 3 payments. I would like the rest of the money that was stolen from my account ; {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Someone stole my XXXX XXXX card then made fradulent charges on it. I sent XXXX XXXX a police report & an ID theft affadavit, I have talked to XXXX XXXX a dozen times over the phone & the person on the phone always tells me that he is going to remove the negative information from my transunion credit report but he never removes it. 

The negative information has been on my transunion report for over five years but it still hasn't been removed. 

Transunion tells me that XXXX XXXX has verified this info as accurate but XXXX XXXX  tells me that the negative info shouldn't be on the credit report. 

Will you help me get this negative information 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. 

In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. 

I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. 

I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. 

I have sent certified/return receipt in all instances as you will see in the attached. 

Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.

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 2023-09-14
Company: Fairway Collections, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fairway collections refuses to supply me with an opt out disclosure letter.they are refusing to allow me to opt off of sharing personal information. When I asked them to furnish letter I was yelled at by three different people telling me that they do not have to furnish the opt out disclosure and told me to XXXX information because I was not familiar with the law

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Grain Technology, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account with Grain Technology and I filed a complaint with them through you all, however, my issue is not resolved. I have not been able to log into my account due to the high call volume. My recent complaint number was XXXX. 

I have not been able to make a payment on my account since XXXX which is not my problem. My credit has decreased by XXXX points because they are reporting incorrect information regarding a missed payment. I've been sending them emails since XXXX and recently just received a response, however, with them reaching out my issue has not been resolved. I was able to log into my account as of today and I don't believe my credit should suffer due to the company 's non-responses or how busy they have been. While all of this was transpiring with not being able to make a payment or access my account, they took {$80.00} out of my account as of XXXX but marked my account as late. I asked how and why did they take it from my account and I have not gotten a reason for this. Even with them taking {$80.00} from my checking account, none of the money was applied to my balance. I just made a payment of {$94.00} today but I believe it's unfair of them to report my payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was told by one of your representatives that once I make 6 on time payments, Id get an increase. I have two credit cards with your company. I have not received my increase on my card as promised. Ive put in a request, and it was denied. My credit score is great. I have cards from other companies with over 10,000 as the limit. Whats the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: IN
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, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today, XX/XX/2019, two unauthorized withdrawals from my Savings account left me with a XXXX dollar balance. BANK OF AMERICAI would hope XXXX and XXXX  XXXX XXXX   accounts, in XX/XX/XXXX, withdrew my interest of XXXX And XXXX cents for I believe a test. Today both withdrawals were done. 

In the past I have had many issues of scams with Bank of America on checking accounts, now my Savings.

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 2023-09-14
Company: Mercari, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
SEE FILES ATTACHED!! I have filed TWO XXXX complaints and have put the attorney general on notice. I am also prepared to file an internet crime complaint via IC3 with the FBI. Mercari LIED to me in writing. They told me to let the items i shipped out be delivered and to then withdraw money from my balance. Well after one of my items was delivered, I tried to withdraw my money and I CAN'T because Mercari has limited my account. They STOLE money from me. I will not hesitate to sue if a resolution is not reached. They have ignored my messages and they also closed a case that I opened without any prior communication. I opened a case on the website and without them even working on it, they just automatically closed it. They are trying to cover their tracks and stall. They then marked the case as resolved when they didn't resolve ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I would like to bring your attention to issues I'm having with Specialized Loan Servicing who is  servicing my loan that includes incorrect mortgage late and some late charges that they are not able to verify. I have been trying since XX/XX/2019 and ever since they took over the servicing of my loan to resolve these issues with them but constantly getting a run around and promises to return my calls that never happened. 

The servicing of my loan was transferred from XXXX XXXX XXXX to Specialized Loan Servicing on XX/XX/2019 and I was never notified either from XXXX  XXXX XXXX or from Specialized Loan Servicing. My loan is a 2nd mortgage and my payment is due on the XXXX of every month. I made my XXXX payment to XXXX  XXXX XXXX but money was never taken out of my account and when I called XXXX   XXXX XXXX I was told that servicing of my loan has been transferred to Specialized Loan servicing as of XX/XX/2019 and I was given the phone number to contact the new servicing company. I called Specialized Loan servicing and was told that they have just received my loan and it is due for XX/XX/2019 payment. I then immediately made a payment over the phone with the representative on XX/XX/2019. Please note that my payment is not due on the XXXX of every month and instead it is due on the XXXX of every month with a 10 day grace period. So the payment I made over the phone on XX/XX/2019 which was for XX/XX/2019 payment and still under 30 days. However as per their verification of mortgage history that I printed from my on line portal clearly shows that I have 1 late mortgage payment within 31-60 days and that needs to be corrected. 

Also there are some past due charges in the amount of {$190.00} showing on my account. I was told that these are the late charges from my previous lender that they received. I called XXXX  XXXX XXXX and was told that since they no longer have my account they will not be able to provide any information. Specialized Loan Servicing is not able to verify this amount and I requested from them to remove these charges. 

Specialized loan Servicing is not reporting my mortgage with any of the credit agencies and therefore I have to rely on their mortgage history which is incorrectly showing a 30 day mortgage late and that have preventing me from refinancing my home loan.

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 2021-09-16
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a 2nd mortgage on my home that was with Ocwen mortgage co. and it was sold to PHH mortgage in 2019. I have been paying this mortgage with auto payments through my bank, but the last 5 payments have been returned. When I contacted PHH, I was told that the account has been foreclosed and the representative did not know why. I was told to contact PHH by mail because there was no one that I could speak with. I am contacting you to find out the next step.

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