BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The staff at Westlake Portfolio Management are a band of thieves!!!! I sought to get to the bottome of the fact that they were charging me extra fees. A female representative was very rude, uniformed and gave me the wrong name and wouldn't provide her customer rep ID #. They charged me fees for insufficient funds for my auto loan when the money has been available on the date they claim the money wasn't there. 

Based on this institution 's engagement and reviews of its customers, it proves that Westlake is a candidate for an in debt audit and investigation. There is something going wrong with this company in terms of hidden fees and the extra charges it places on its customers, especially those like myself who have money available for the ( auto-pay ) I was using. It appears that when customers are not looking, this company chooses not to may the withdrawal in order to stack up insufficient late fees. This is criminal. Please take a look at this company?????? 

I have added their reviews to establish that this is not an isolated issue. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I divorced my husband XXXX XXXX, XXXX. The divorce decree states that he must refinance the home we shared within sixty days. To date he has not, and I am told can not. On Monday XXXX XXXX, XXXX I applied for a personal loan for a vehicle and was told I am in foreclosure. I have missed XXXX payments on my mortgage so with further explaination I discovered it is my exhusbands house in foreclosure and I am still on the mortgage. When I divorced my husband the Mortgage holder was GMAC. Since this time he has a new mortgage company and has modified the loan and the lender named OCWEN is now the new mortgage company. I have received no communciation from this company, no notices of late payments, and now I find out XXXX XXXX, XXXX his home is going to Sheriff Sale. He owes XXXX and its valued at XXXX. How can this loan have been changed at all without my signature and approval? I called this company since they are listed now on my credit report and they will not speak to me, yet confirmed I am a liable party on the mortgage. This mortage company must have allowed him to make all of these changes without my signature. I am told you may be able to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: FIRSTBANK PUERTO RICO
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: Investigation took more than 30 days

Complaint:
I've had this mortgage since XXXX of 2016. It's with First Bank of Puerto Rico and it has been a nightmare from the start. They are, extremely, unprofessional and criminal! I've never missed a loan payment and my payments have never been late! Every month, I've had to call numerous times and wait on hold for hours. When someone answers, I have to pray they speak english and hope they don't hang up. They refuse to take the payment. They've, randomly, increased my monthly payment for several false reasons. My Credit report shows 3 1/2 years of late payments, which is absolutely incorrect! I've made several attempts to work with First Bank PR, filed disputes with the credit bureaus, and even contacted Fannie Mae. First Bank PR has refused to fix the issue and they have refused to even respond @ any time over the past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Wilber and Associates, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My wife was in a car accident. She was injured and our car was totaled by a driver who was parked and crossed two lanes ( my wife was in the furthest lane from the other car ) to make an illegal u turn in the middle of the block on a four lane road. He drove into the side of our car. As it turns out,  the other driver was unlicensed and is being criminally prosecuted. The sheriffs office found the unlicensed driver to be 100 % at fault for the accident. 

The unlicensed driver had a second rate insurance company with low limits and despite the damage caused, would only be responsible for {$5000.00}. This second rate insurance company, XXXX XXXX XXXX ) also took the untenable and wrong headed position that my wife was 30 % at fault because she should have been able to predict that the unlicensed driver intended to make an illegal u turn ( despite the fact she had passed him already as he proceeded to come out of the parking spot, which is why he hit her in the sideshe did not hit his car ). However, because of the low limits on the policy their wrongful position was irrelevant as the maximum we could get was the {$5000.00}. However, in order to protect ourselves, we entered into a written agreement with XXXX XXXX that as a condition of accepting the {$5000.00}, they would not pursue us for any contribution to their insured or their loss. 

In blatant violation of this written agreement, and the facts giving rise to the accident, I ( who was not even the driver ) received a letter from Wilber and Associates stating that I needed to reimburse XXXX XXXX for the total of the amount they paid to their insured. When I called to explain their error, they unlawfully told me me they were going to have my drivers license suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
an incident occurred where my personal information was stolen from the data and unauthorized inquiries were made on my credit. I noticed this fraudulent activity and immediately took action by contacting the affected companies. i never got a response. so i decide to start all over with the process.My XXXX XXXX was used to charge 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 non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was unaware that Equifax put a hold on my credit profile, unknown to me, and also no information was sent to me via mail to advise me that this has taken place. I found out on XX/XX/22 that my credit has been frozen after attempting to get an increase from 2 creditors. I called the same day and had Equifax unfreeze the account, I was also advised to wait for 1 hr before retrying again with the creditor, which I did. I called back 2 hrs later and was advised my credit was still locked. A few days later I received a letter stating the freeze was uplifted. I tried reaching out to Equifax to correct this issue, but the company states that there is no freeze. I was advised to create an online account, which I did, I was unable to create one because the system could not verify my info, which was correct. I spoke with w/the agent and advised them of the " NH '' error code, he then proceeded to attempt to create an account from his end and received the same error. Again, no resolution was given but instead, I was advised that they needed more information which has to be mailed with no option for uploading online or fax. Which I must say is an inconvenience for a customer whos been disputing a freeze for almost a month. I am unable to get a credit increase from two creditors that I desperately need for home repair due to the after math of Hurricane Ida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: ERC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened up a credit card with XXXX XXXX in 2021. It is the More Rewards Amex credit card, and I was given a {$25000.00} credit limit. For whatever reason, Amex incorrectly put down {$2500.00} as my credit limit. And XXXX only checks with Amex to validate the credit limit, so on my credit report, it says I am over my limit as it is only {$2500.00}. This is affecting my credit score. My Amex credit limit is now {$33000.00}, and yet, I still have not received a change in my credit limit on the Amex portion of XXXX. I have called XXXX XXXX, Amex, and XXXX multiple times and they have each never fixed the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a CD account for over a year with my company name called sound of the XXXX XXXX I close the account few weeks ago and I was told I will get my money in the next 7 to 10 business working days it been almost a month and I still havent recieve my money. Also I have called plenty of time for my money but no one seems to know what to do or give a concrete explanation of why I cant recieve my money. They say your money has been released. I wanted to use the money to take care of important business and Bank of America have deprived me from making this move and made me loose potential investments. I also went inside the bank and spoke to a manager, he tried his best to resolve it but he was also lost because he couldnt understand why I still can not recieve my money. I also dont have a balance so there is no reason why I havent recieve my funds till now.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About two months ago SWBC sent me correspondence saying I needed to pay an escrow shortage to my account in the amount of c. {$750.00} if I didn't want my monthly payment to increase, and that I could log into my account and pay it online. I logged in and filled out the fields to pay it in full. However, SWBCs website interface instead charged me a full second mortgage + the monthly overage I had been paying PLUS the escrow overage. I have called four times now to get them to apply the overage I signed up for for the escrow and, going forward, to stop adding overage payments to my monthly accounts -- to return them to the minimum/basic payments. I have called and been on hold for over an hour multiple times and explained this issue to four separate customer service reps who all apologize and say they have fixed the issue. All are incompetent. I just logged on to my account and see it is STILL on track to be charging me the overage ( {$2000.00} ) in XXXX instead of the base rate that I have repeatedly requested ( {$1700.00} ) and I am unable to adjust this online. I also can not see where I was credited the additional escrow I paid in XXXX. The system is completely broken and there is no recourse to correct it. I have wasted hours of my time trying to fix this and nothing has worked. SWBC is negligent, incompetent, grossly inept and criminal in this level of willful dysfunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
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:
This address is associated with accounts that i do not have ownership to.

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 2016-02-16
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is inaccurately reporting my escrow and payment information. I had a Chapter XXXX payment plan for mortgage arrears that was discharged XX/XX/XXXX. ( My loan was originally with American Home Mortgage and was transferred to Ocwen XX/XX/XXXX ). After making all on time payments to Ocwen during the payment plan, and making final cure payment to Ocwen, Ocwen still reflects the escrow shortage balance that should have been paid off XX/XX/XXXX. I contacted the trustee office which confirmed that all arrear payments had been made in full. Ocwen has not responded to my several requests for a detail accounting of my payment history since initially requesting this XX/XX/XXXX. The office of the Ombudsmen has sent me a letter each month telling me they are researching the matter, but has failed to do anything more. I just received a foreclosure prevention packet in the mail this week as well. Ocwen has since increased my mortgage payment by more than {$200.00} additional each month. I am unable to pay the bogus amounts that Ocwen is reflecting as they have added even more unexplained fees and charges to my account after the discharge with no explanation! I have sent a complaint to XXXX and the IL states attorney XXXX XXXX 's office, but have been unsuccessful thus far on getting anywhere with this case. I find it unreal that they were just sued for fraud and their unfair practices, and yet here they are again doing the very same thing. I would really appreciate your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Have Received several calls from True Accord ( Collection Agency ) Not Stating Who They was Collecting For. They stated they wanted a Debt Paid in My Name i Stated do not call me again and ENDED the Call This has happened Several Times This past week I received a email stating the Same And that they Updated my Payment History I do not have a checking nor a savings Acct I Replied Back about ID Theft and the FRCA laws and Stated to not CONTACT ME AGAIN This Company Violated ME A Consumer and My Rights with 15 USC CODE 1681 15USC Code 1692b .1692c 1692e 1692f 15 USC Code 1681 MY CONSUMER RIGHTS WAS VIOLATED BY THIS DEBT COLLECTING COMPANY I SUBMITTED THE EMAIL TO THIS COMPANY THAT I RECEIVED FROM TRUE ACCORD

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2023-08-23
Company: OPORTUN FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was behind on payments and I entered a deferement proposal with the company. After making my payment I was sent a new contract updating me that my next payment will not be until XX/XX/2023. Their website is showing that I am a day late with my payments. I contacted the company 3 times on XX/XX/2023 via phone and email. I uploaded the contract they sent to me back to them via email. I spoke to the customer service rep ( s ) and they told me as well that I was late 1 day and that they would not honor the contract given to me by their company. I spoke to another rep and she has the same contract that I have and it shows that my payment is not due until next month. They refuse to honor a contract that was given to me by their office which is a breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10
Company: Asset Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX XXXX Extn XXXX from Asset Recovery Solutions LLC. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Bread Financial Holdings, Inc.
State: IL
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:
My name is XXXX XXXX. I leave at XXXX XXXX XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I made a phone payment to XXXX/Comenity/Wayfair over the phone on the due date and their records show that the payment was given the day after. This is an error on their part because of covid we could not speak to a person and the website was not working to make a payment. I had to make the payment over the phone and it was recorded as late even though the payment was given on time. We need that removed from our credit immediately because it is an error on their system. If you look at our payments we have never been late. Please help us resolve this matter so we may buy a home. Thank you!

Company response to consumer: Closed with explanation