BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I dont speak English I am using a translator .they are two problems with the same company, one for the GAP insurance and the other for three fines that they took from me for not having funds in my account according to them, but I have proof that the amount since it began in XX/XX/XXXX, the lowest balance It is {$1500.00} dollars and what I have to pay to Westlake is {$480.00} dollars. From the beginning on XX/XX/XXXX they charged two insurances, one from GAP and another from GAP and premium, I called for months and in a call in XXXX they told me that I could be calm down they would no longer charge that insurance and I continued paying my monthly fee until XX/XX/XXXX when I had to change banks for automatic payments, I called and made the change and found out that they were still charging me for the GAP insurance but it was accumulated months ago, so I filed the complaint a month on XX/XX/XXXX I called to ask why they had not withdrawn the money from my account, and they told me that the account was without funds and that for that they would charge me XXXX dollars, I called many times I recorded the conversations ones where they told me not to worry about sending the proof of the complaint, I sent them to the mail and the only thing they answered me was, ( you can not waive the GAP insurance, the contract says it, they never answered what they charge me for the fines of I did not pay unfairly and that the insurance will continue to collect.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}

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 2023-06-08
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-01
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending dispute letters for the account and I have not had XXXX response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I booked a hotel at a low price at a discount on the XXXX website and paid for it in full. Upon arrival at the hotel at the reception, I was asked to provide a credit card to receive a security deposit. After leaving the hotel, I found out that XXXX XXXX  did not return to my card. 
In XX/XX/XXXX I opened claim in the Bank of America so that the money was returned to me. XX/XX/XXXX. Account ending in : XXXX. Claim number : XXXX. After research, Bank of America credited XXXXXXXX XXXX to my account. 
In XX/XX/XXXX I received notification, that XXXX XXXX was again charged from my card. The bank informs that this decision is not subject to appeal. 
The bank claims that I took advantage of certain services of the hotel and is obliged to pay for them. As evidence, the bank attaches an unconscious document with a list of services rendered to me. In addition to the fact that this document was not signed. In the upper right corner, he has a date XX/XX/XXXX, there is no information about booking, as well as other important information. 
I did not use any additional services of the hotel both during the visit and XX/XX/XXXX. 

Please : 1. hold the bank liable for unlawful charge of my funds. The bank had no reason to charge funds for the use of services since the hotel did not provide any appropriate evidence about that. 
2. facilitate to the refund.

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 2019-08-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Consumer USA violated the O.C.G.A. 10-1-36 I contacted Santander Consumer USA on XX/XX/2018 when they took my car from my house. I called to get my belongings from my car which was my money, ID, credit cards, etc. They KNEW that I was in another state because I bought the car in Maryland and my ID shows my Maryland address and they KNEW my current address because that is where they sent the repo truck to get the car, so by sending it to a address in GA that I do not live or never did, they did not make sure that they had done everything reasonable to ensure that I got the letter. Georgia Code Section 10-1-36, The lender must notify you of your rights to " redeem '' the car within 10 days of repossession which " Santander Consumer USA '' failed to do. Never send anything certified mail of date, time and location of sale to my address where the repossession took place. Since I never recieved the required notice of sale, or the notice of defciency balance per GA code 10-1-36, and therefore they have no right to the deficiency balance, no right to report a balance due on my credit report to XXXX, XXXX, XXXX and XXXX. 

10-1-36 .... the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. 


Since they are not legally entitled to any further money, that it is a FCRA violation to report that they are on my credit report by LAW. 

I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on Abusive Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit. 



The USPS tracking number for the deficiency letter which was undelivered and send back to Santander Consumer USA is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 report a fraudulent account on my TransUnion credit report and to request an investigation into this matter. I recently reviewed my credit report and discovered an account that I did not open or authorize. This account is a result of identity theft, and I am requesting that it be removed from my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo, in their gross negligence, was effectively responsible for a wire transfer fraud. Wells Fargo allowed TWICE an inbound wire transfer to enter an account whose name did NOT match the name of the recipient of that account. This gross negligence led to me losing money to scammers when I was trying to pay closing costs for a house I was looking to purchase. 

I visited a Wells Fargo branch to try to resolve it and after initial resistance, one of their agents reached out to their investigation department to make a report, but I never saw any response. They would not offer me much help because they claimed that I did not have an account with them ( I have a credit card account with them, but not a bank account ). This makes no sense ; not having an account with Wells Fargo does not give them the license to allow obvious fraud to take place on their watch. 

Ultimately, I only received a partial recall of my stolen money. I am still short {$400.00} from Wells Fargo 's negligence. I need Wells Fargo to refund the {$400.00} remaining from the wire recall I did.

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 2018-04-16
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called XXXX about 3 years ago to find out if I qualified for student loan forgiveness since I am a XXXX by profession. I have made 108 payments since I was hired in XX/XX/2009. They are telling me today they I need to reconsolidate my loan and begin the 120 payment process all over. I have never missed a payment and my loan was sold to Navient by XXXX. I am very upset about this and would like instructions on how to move forward. Do I reconsolidate? Do I get an attorney? Where do I go from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collection account on my credit report from XXXX XXXX ( collection agency for XXXX XXXX ) 'date open ' : XX/XX/XXXX. I disputed with the credit bureaus requesting validation. The account came back as being " valid ''. I responded to the credit bureaus by letting them know in plain words that it is physically impossible for there to be an account opened in XX/XX/XXXX as the apartment complex I live in is not contracted with XXXX XXXX. ( I have been in the apartment since XX/XX/XXXX ) At the same time as I responded to the credit bureaus, I sent the collection agency, Convergent, a letter requesting validation of the debt. They responded stating, " This debt is valid, attached is verification of the debt. '' Attached was a screenshot from what appears to be a computer system. 

A contract was not included. There is nothing showing a breakdown of the amount that is owed.

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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: MA
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 received a call from a company Providian bank for outstanding balance of {$3800.00} on XX/XX/XXXX. 

I called them immediately and told them that i was going to contest it i had my Lawyer at the time XXXX  : XXXX. and then i emailed it to them sent me a copy i also contacted for me lawyer and i will be seeing a lawyer on this week. I also made a police report i also told the post office back in XXXX about mail fraud. I also moved to this location on XX/XX/XXXX and i received a letter that i sent to the postmaster General i emailed it to XXXX i lost XXXX govt checks then social security and my daughters XXXX XXXX this month also i lost mail i also made a police report. the other day for identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked Experian to please remove the security freeze that is on my account. It has been longer than 90 days and it renewed on its on. I want it removed because I have trouble when applying for something online.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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

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 2023-01-26
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On the XXXX of XX/XX/2022 I closed on a XXXX XXXX with XXXX XXXX XXXX XXXX. The address of the property is XXXX XXXX XXXX, XXXX VA XXXX Prior to closing I expressed concerns I had about the structural integrity of the home with both the Lender ( XXXX XXXX XXXX XXXX ) and my real estate agent ( XXXX XXXX of XXXX XXXX ). Both parties assured me repeatedly that the VA had very strict standards about minimum property requirements and would not allow any home with safety or sanitary issues to be approved for a VA homeloan. After being presented with inspection documents saying nothing was found I closed on the home. Immediately following closing and moving in with my family I found that the home was full of mold ( including black mold ), termite damage and water damage. The conservative estimate to make the home safe ( inhabitable ) is {$200000.00}. Based on the property value and the age of the home it is not reasonably savable. 
After finding PROOF that the sellers, both parties real estate agents ( theirs and mine ), the lender and possibly the VA appraiser were all aware of the termite damage - at least. A termite inspection was done and all the damage was found and reported prior to closing which would have prevented the sale going through. A false documented was used at closing and presented to me, signed by the sellers and approved by the lender with no corresponding invoice, at closing saying nothing was found. 

As a result I have had to spend thousands of dollars to document all of this, move my family out of the house to safety, hire attorneys etc. my attorneys have filed a consumer fraud lawsuit and the above named parties are being served. 

I requested a forbearance from the lender in XXXX XXXX XXXX. I also reported all this information directly to the VA Office that overseas the homeloan program. No help has been granted. XXXX XXXX XXXX is very aggressively seeking foreclosure and public auction on the property where I still reside. They have destroyed my credit in the process. My family has separated over the hardship and I am on the verge of becoming a homeless veteran because if they foreclose and evict I have nowhere to go with my animals. I have requested assistance from the Congressmans Office and they referred me to you. The VA keeps telling me they cant help they just write the check for the home.

This is not just consumer fraud this is Federal Fraud committed by the lender and all other parties. The documents used at closing included a receipt from the company that conducted and documented the termite damage but no corresponding report. The report used was by a company that did not conduct a termite inspection or bill for a a termite inspection.

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 2022-02-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good day. Company ERC continues to contact me via phone and mail attempting to collect debt that is not mine. I have asked for proof to ensure the debt is mine. I demanded the original contract that was signed for the items listed also proof that this company is able to collect debt on behalf of original credit. ERC has sent me documentation that does not look original nor has any hard information. The company also does not have my social so i am curious to know how they can threaten to place a collection of an unknown debt on my account. The statement they sent via mail is not descriptive at all. Its a repeat amount of prices for unknown services. Please have ERC stop harassing me for debt that is not owned by me.

Company response to consumer: Closed with explanation