BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: CCS Financial Services, Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
i recently pulled my consumer report from XXXX XXXX, XXXX. When i noticed so unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing alot of stress in my life, which is resulting in a financial crisis XXXX XXXX XXXX XXXX, CREDIT COLLECTION SERV/ $ 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 believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not owe this company any money as I have never contracted with them. I would like this company to cease and desist any communication with me through any and all mediums. I am not requesting any validation of debt and demand this company to delete the account from the consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently I XXXX XXXX applied for an Wells Fargo credit card and was denied an extension of credit by Wells Fargo. On XXXX XXXX, I applied for a Wells Fargo Credit Card with Wells Fargo. As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to XXXX XXXX XXXX XXXX ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX and XXXX XXXX has violated my federally protected rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

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 2023-12-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Investigation Request Letter Date of Birth : XX/XX/1999 SS # : XXXX Enter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Credit account : XXXX XXXX XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX XXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, 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 2023-12-15
Company: Experian Information Solutions 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:
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 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Collection {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection $ XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

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 2024-01-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX Wells Fargo took out 2 payments to XXXX XXXX XXXX was for XXXX to cover a repossession charge. The other was an incorrect amount of XXXX which was done in XXXX. The Bank processed both payments the same day. I called them the following day to let them know one transaction was inaccurate XXXX WELLS FARGO HAS REFUSED TO ACKNOWLEDGE THIS ERROR AND SAYS TRANSACTION IS AUTHORIZED. 
I told Wells Fargo that I am not going to pay XXXX XXXX XXXX in the same month and now it's been back and forth since XXXX to make sure the Bank is not taking out the amount that I told them was in error. So far they keep taking out the money I have disputed for more than 2 months now which has led Wells Fargo to overdraft my account and keep insisting the transaction is authorized when I have informed them it's not. 
This has been going on for the past 2 months and no resolution with the bank. I know 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 explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
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 : DEPT OF EDXXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-02-03
Company: The Receivable Management Services LLC
State: MS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable mgmt services account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and progressive insurance.Receivable mgmt services is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with Receivable mgmt service or ever had one with progressive insurance.But if I did have a account with progressive insurance not saying I do I never gave them permission to sale the debt to receivable mgmt service.Receivable mgmt have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/XXXX XXXX, North Carolina Dear CFPB I need your assistance. 

My rental Mortgage is with the XXXX XXXX XXXX. It is a Conventional Loan with Escrows. 
My Hazzard Insurance Company is XXXX XXXX. 
It came to my attention that my Hazard Insurance was not renewed on time in XX/XX/XXXX due to the fact that my insurance company didnt receive payment from XXXX XXXX XXXX form escrow account. 
XXXX XXXX XXXX charged me {$36.00} for a forced insurance. 
I dont think it is fair that I have to pay for their negligence. 
Please help me! 

Summary : In XXXX, XXXX I received a letter from XXXX XXXX XXXX date XX/XX/XXXX, XXXXin reference to the Hazzard Insurance for my rental property located in XXXX XXXX XXXX XXXX, NC XXXX. 
This is a Conventional First Mortgage with Escrow. 
The letter Exhibit A informed that their records show the hazard insurance has expired, and we do not have evidence that I have obtained new coverage. 

On XX/XX/XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, he transferred me to the Insurance Department. The Insurance department said the issue was for a gap period of XX/XX/XXXX to XX/XX/XXXX and they needed a proof that the house was insured for that period. 

On XX/XX/XXXX I called my insurance Agent XXXX XXXX ; he did research and called back informing that in fact it was a gap of insurance from XX/XX/XXXX to XX/XX/XXXX because they didnt received payment on time for the renewal. 

On XX/XX/XXXX at XXXX I called my Lender XXXX XXXX XXXX XXXX XXXX and spoke with XXXX He replied they sent the check but it was returned, so they sent a second check. 
And he will call my insurance agent to do a follow up. 

On XX/XX/XXXX at XXXX I called and spoke with XXXX and said their resolution still the same, it was an insurance gap and for this they will move forward charging me {$36.00} for a force insurance. 
I said, my mortgage is escrowed and I shouldnt be paying for a forced insurance if your company sent the check to wrong address and or without sufficient time to discover errors. I ask for a proof they sent the payment on time. 
Their reply was, we will move forward with the charge of {$36.00} if you cant provide a proof that the property was insured during that period. 

In XXXX I received a letter dated XX/XX/XXXX Exhibit B Saying they cancelled the Insurance Coverage we ordered from XX/XX/XXXX to XX/XX/XXXX and a charge of {$36.00} was imposed. 
It is ridiculous that they even can purchase an insurance for an event in the past! 


XX/XX/XXXX I received a letter dated XX/XX/XXXX informing the {$36.00} was deducted from my escrow account Exhibit B Please I need someone to help me. This is not fair and I feel this is an abuse. 
Thanking you in advance for your time and assistance, 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 explanation
Consumer complaint received 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I believe that, as a XXXX XXXX I was taken advantage of, and given a forbearance second mortgage instead of a refinance to lower my interest rate as was discussed with the XXXX  XXXX  representatives to help XXXX  fill out the paperwork for the Obama HARP program. I began with this complaint process over the telephone, complaint XXXX XXXXXXXX, and was instructed to create an account to upload my payment history and modification documents. I was not in arrears at the time they gave me a forbearance instead of a loan modification.

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 2024-02-06
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX, PHH mortgage debited my escrow account for {$2800.00} for county taxes. My tax bill was for only {$910.00}. I have verified with the county that the county was only paid the proper amount of {$910.00}. PHH has refused to tell me where the missing {$1900.00} is. Instead, they have raised my escrow payment to what will total over {$6000.00} over 5 years. They will not answer the question of where the missing {$1900.00} is. 

I called the company in the first and second week of XXXX and was assured the problem would be addressed. PHH told me the County was overpaid and would need to refund me the {$1900.00}. I spoke to the county and they made it clear that they were only paid the proper amount ( XXXX ) by the 3rd party payment company that PHH employs ( see uploaded document ). Roughly on XX/XX/XXXX and then again on XX/XX/XXXX, I submitted an online complaint with PHH to locate the {$1900.00} they took out of my escrow account and was never paid. They have not responded and refuse to return the money they took out that was not paid out ( XXXX ). Where is this missing money? Instead, they sent notification that they will increase my payment to what will amount to over {$6000.00} over the next XXXX payments. 

I have uploaded XXXX items : XXXX ) The escrow record that shows the XX/XX/XXXX overdraft from my escrow acct 2 ) The tax bill from the county that shows the actual tax bill being {$910.00} 3 ) The email I received from the county verifying that they were only paid XXXX Please help

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 2023-12-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX  Date of Birth : XX/XX/XXXXXXXX XXXXXXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, 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 explanation
Consumer complaint received 2024-02-06
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My wife and I went on a XXXX cruise in XX/XX/scrub>XXXX  2023 and she bought jewelry in the amount of {$3500.00} from XXXX XXXX on board the ship XXXX XXXX. We were offered and took advantage of a promotion on the XXXX XXXX credit card where we were offered 12 months same as cash. When we returned from our trip we received our first invoice which showed an amount of {$5000.00} showing an overcharge of {$1500.00}. This was appealed immediately but rejected ( I am still in the process of appealing this overcharge. ) The overcharge was not authorized, and we have no idea where it came from. I have attached the jewelry invoice from XXXX jewelers along with the first bank statement showing an overcharge. I have called and discussed with both XXXX and XXXX at least seven times with no resolution. I have confirmed the amount that was charged from the vendor, XXXX, who confirmed that the proper amount of {$3500.00} was charged. 

I have attached a marked-up invoice of all credits and charges on the cruise. You will notice the charge of {$3500.00} from XXXX XXXX, but no other charges that are {$1500.00}- which we did not approve in the first place. 

I am very frustrated with this situation as this has been going on for over six months and has not been resolved. I have been given the run around on this with no solutions and hope you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01
Company: Bridgecrest Acceptance Corporation
State: TN
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:
I purchased my car through XXXX. The vehicle was financed through them via Bridgecrest / XXXXXXXX XXXX 

I was able to pay off the loan this month. I generated a payoff quote amount of about {$5000.00}. I submitted payment through the Bridgecrest site as I did with all my payments. 10, then 15, then 20 days go by, and about 7 calls to Bridecrest. The money was never deducted or presented to my bank ( XXXX ) for payment. I have proof of this. 

They say they have closed my account. They will do nothing to help me and keep giving me the runaround. I call and ask to speak to a manager and am told to wait on hold. They disconnect me every time. I have called maybe 8 times and spent at least 7 hours on the phone with them. 

Today, I XXXX this XXXX and XXXX to find that this is a scheme/tactic that Brdigecrest engages in on a regular basis to extort more money from you. Apparently, the next thing they do is file a lien against you and charge you more money. 

All I want to do is pay off my loan on the agreed-upon amount. I am getting nowhere. 

I have called customer service, XXXX, and as well as their corporate office. XXXX response. 

I want to pay off the loan today and be free of them and make sure other people know what they do. 

Thank you.

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 2024-02-06
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
When I purchased vehicle I made a down payment which never showed it went towards the car.an the seller confused me with words about payment.

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