BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a checking account with Navy Federeal Credit union for XXXX  Months. I have added a car loan and a credit card account. On XX/XX/2022 My app where I make payment for my vehicle, credit card payment was shut down. I am not able to make payments. 

On XX/XX/XXXX XXXX I immediately called customer service and assisted me with what documentation I needed to submit. ( Proof of Residfence- Car registration, proof of I.D- XXXX drivers license and was requested to submit Form XXXX. I submitted all mdocumentation and form XXXX. An email was sent to me once I submitted all documentation stating give Navy Federal 5 business days to process. Today is XX/XX/2022. 

I have called customer service 3 times and all reps confirmed I have submitted all documents needed. Every time I am transferred to security department, all 3 times no answer from security department and I am unable to leave a message. I would like to get this matter resolved before my car and credit card payment are due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Block, Inc.
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
They are refusing to reverse payments which were not authorized by me. They are not sending me the proof they just keep saying Ill receive it in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I Have sent multiple rounds of disputes to the creditor XXXX XXXX and also to the 3 bureaus XXXX, Experian, and XXXX with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent inquiries

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 2018-05-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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 discovered in XX/XX/2017 that I had two accounts incorrectly reporting on my Chexsystems report. I immediately contacted Chexsystems and was told that they needed verification of my social security number. I sent a copy of my social security card, yet received a letter that they needed something from the social security office ( other than my card ) showing my social security number. I was able to obtain the requested document from the XXXX, SC Social Security office and submitted the requested document. I had received a corrected report with no information reported, only to later find out that Chexsystems had added an account from XXXX XXXX XXXX with someone having my name, yet a different social security number, address, etc ... I subsequently received a new Chexsystems report showing this account and also an inquiry from a company called XXXX. In addition, Chexsystems sent me bank statements and copies of signed checks from this person 's account. 

I once again contacted Chexsystems and was told to contact XXXX XXXX XXXX and XXXX regarding these accounts. Neither XXXX XXXX XXXX  nor XXXX could discuss these with me due to the fact that these are not my accounts ( I provided my information which was not the information of these accounts on my Chexsystems report ). I was sent an Identity Theft affidavit, but this is not a case of ID theft. The information from XXXX XXXX XXXX and XXXX doesn't match mine. I am sure that these companies are reporting correct information, yet Chexsystems has mixed my file with someone else 's. 

After yet another call to Chexsystems, XXXX told me that I needed to obtain a police report for them to further look into this. I explained to her that these accounts are from a different ssn and address ( which I never have lived ) and asked her what would be the basis to file a police report ). I did in fact take this information to the police department and they said ( confirming exactly what I told XXXX with Chexsystems ) that this is not a case of Identity Theft, only an error with my Chexsystems file. 

I have made every attempt to resolve this in a professional manner, supplying the requested information, yet Chexsystems refuses to correct this issue ( which they have acknowledged ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
I want to file this complaint with EXPERIAN. I sent them a letter dated XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 

XXXX : Company 's Response In your complaint, you request that information, including a bankruptcy, be removed from your XXXX Credit Report. You also claim that XXXX took more than 30 days to conduct a previous dispute investigation. In response to your complaint : Per your previous request, sent by mail dated XX/XX/2023 and XX/XX/2023, XXXX reviewed your request and informed you that all of the information referenced in your letter is not on your XXXX Credit Report. The investigation results were mailed to you in our letter dated XX/XX/2023, which means the investigation was completed on the same day your request was received. While XXXX does not have public records, such as bankruptcies, on our Reports, accounts on your XXXX Credit Report may still include a bankruptcy status. Currently, none of the accounts on your XXXX Credit Report include a bankruptcy status. You reference Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which permits a consumer reporting agency to furnish a consumer report at the written request of the consumer. However, that is not the only section that authorizes a consumer reporting agency to furnish a consumer report. Section 604 ( a ) lists several scenarios where a consumer reporting agency may provide a consumer report to a third party, including in connection with a credit transaction ( Section 604 ( a ) ( 3 ) ( A ) ). All of the other information referenced in your complaint is not on your XXXX Credit Report. The investigation results have been mailed to you separately. Please visit our XXXX XXXX on XXXX for more information regarding your XXXX Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On the XXXX day of XXXX, 2022 I signed a contract with XXXX XXXX to purchase a vehicle. I financed the vehicle with {$2000.00} down and 16 % interest. According to information from 15 U.S. Code Section 1662- Advertising of Down payments and installments " No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified periodic consumer credit amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. '' I wish to cancel that contract because according to 15 U.S. Code Section 1605 - Determination of Finance charge " Charges or premiums for insurance, written in connection with any consumer credit any consumer credit transaction, against loss of or damage to property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended. ''

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 2022-11-16
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I think this is a phishing email. I do have an account with XXXX. It is current and payment was neither for this amount nor made through PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX XXXX I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: Halsted Financial Services, LLC.
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 have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  XX/XX/2020 Did not approve 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 2023-10-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/2023 I was approved for the HAF grants to help pay for my delinquent mortgage. My mortgage company PHH Mortgage is not communicating with the State of Texas HAF homeowners assistance program. 

Now my loan is at default if not paid by XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a cashback deposit from Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX i received a mobile banking alert that my balance was now {$0.00}. When i went to log it to see what was going on i was advised my account was closed. I inquired via chat and via phone call as to why my account had been closed with no warning. Both times i was told they they would not discuss the reason with me and i would just have to wait for something in the mail. I did not commit any banking violations and Wells Fargos outright refusal to even explain the reason for the closure is outrageous. A month ago they had a technical issue that left me with a negative balance although i had just received my paycheck via XXXX. Im not understanding how a company who will erase all trace of peoples hard earned money is about to steal money from consumers and close their accounts at will and refuse to give a reason why. Furthermore, when i opened this account it was incentivized by a {$300.00} bonus that was to be credited to my account after making direct deposits adding up to at least {$1000.00} within the first 90 days that i had done within the first 2 weeks of account opening and now i am being told that on top of the unexplained closure, i also no long qualify for the incentive that was promised even after i had completed all requirements which is text fraudulent activity. Wells Fargo must be held accountable for the harm they have caused and continue to causes consumers.

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 2020-09-26
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I received debt collection agency stated I owed XXXX XXXX XXXX XXXX, 2020. I checked the box on the debt collection letter to request verifying debt and date. sent with certified mail but returned said refusal pick up. Sent 2nd letter with certified mail as well. Now its appears negative report on my credit history. Did the Debt collection agency violate the law that I requested for verifying debt and details twice still no response as they simply went ahead report to the credit bureau. What shall I do? 


Regards, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXX, XXXX, XXXX XXXXXXXX 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 2023-03-08
Company: EQUIFAX, INC.
State: NY
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 contacted the credit bureau XXXX on XX/XX/23 by phone regarding an address that I never live there in my life. The representative told me they will not remove it at this time because I am disputing a creditor that associate the address in question XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I explained to the her, I have my license showing my accurate address. Also she can confirmed this with my mortgage thats on my credit report profile. How is this accurate reporting? 

Please can we do a proper investigation and fix this to reflect the proper information I currently have multiple disputes with all three credit agencies regarding this address I uploaded a photos to support my complaint My rights as a consumer are being violated under 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My interest is 9.99 % yearly for a total amount of {$6900.00} through Castle Credit. My statements show that I am paying more than 10 % in interest. Please see below. I show two different amounts for the interest charge in my statements. I spoke with Castle Credit but they were unable to clarify. Every statement since I open the account in XX/XX/2022 show different and incorrect amounts of interest charged. In XX/XX/2022, Castle Credit charged {$88.00} in interest and only {$2.00} was applied to my principal debt. 

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 explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX am a consumer of the United States. XXXX XXXX ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of XXXX  XXXX harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but XXXX XXXX insists on violating my federally protected consumer rights under title 15 chapter 41.

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 2020-08-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my wife and I closed on a refinance mortgage on my primary residence. After returning home we noticed that the paperwork we signed had two different set of terms, two different amounts borrowed and two different interest rates. 
I contacted the closing agent and pointed out the discrepancies. The closing agent stated I would have to contact the original lender XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter along with the 3 day right to cancel form canceling the XX/XX/XXXX refinance transaction on my primary residence. The Original lender XXXX XXXX XXXX did not respond to my rescission letter or 3 day right to cancel form canceling the transaction or numerous phone calls until XX/XX/XXXX. The Original Lender XXXX XXXX XXXX XXXX wanted to refinance my refinanced mortgage instead of rescinding the refinance transaction, starting all over, that would have cut off my rescission rights, to recoup the monies I paid, to protect my credit rating, and interest paid. I stopped paying the canceled refinance loan in XX/XX/XXXX. On XX/XX/XXXX U.S. Bank as Trustee filed a wrongful foreclosure suit against my refinanced primary residence on the canceled refinance transaction. On XX/XX/XXXX a final hearing for foreclosure was held. Even though the court found I closed on the refinance on XX/XX/XXXX, the paperwork we signed was not to what we agreed to and we sent XXXX XXXX XXXX XXXX a right to cancel letter and 3 day right to cancel notice on XX/XX/XXXX within the 3 days, an absolute unconditional right to cancel the transaction, The court misplaced the law and wrongfully interpreted the right of rescission, that a suit must be filed within 3 years after the date of the transaction. The interpretation was wrong and 10 years later clarified by the U.S. Supreme Court in XXXX V. XXXX XXXX XXXX   XXXX. Since the Supreme Court unanimous decision in the XXXX RESCISSION CASE, I have contacted XXXX XXXX XXXX.  as Trustee numerous times and all correspondence has gone unanswered. They have no active attorney of record from the prior foreclosure action and the courts are of no help. XXXX XXXX wrongful foreclosure is at best an unsecured debt. The home value was appraised for over XXXX of equity at the time of the final judgment of foreclosure. The bank sold the home for XXXX cents on the dollar and doubled there money from the refinance loan that profited them from the wrongful foreclosure and sale. I had lived there for 20 years and my life savings from hard work was stolen from me. I assistance in recovering the monies that were wrongfully stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation