BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have vehicle loan through Westlake financial. Iwas in an accident on XX/XX/XXXX, and my primary insurance considered the vehicle a total loss. From XX/XX/XXXX through XX/XX/XXXX i was not able to get through to Westlake financial insurance dept . It wasn't until i started getting collector calls that i was able to get transfered. But even then i kept getting hung up on, the only time i actually got through would be when i got transfered supervisor to supervisor. But after a few times of that, the operator would siply not transfer me to anyone and just hung up on me. 
My primary insurance was ready to pay out 2 weeks after the accident. But i wasnt sure if i wanted to keep the vehicle or not. My desicion would be based on how much i would have to pay. ( whether or not my gap insurance would still be accountable and to what extent, since i was never given a copy of the contract ). 3 times i got through to insurance dept each time i was given a different response. 
A ) that no it wouldn't be responsible B ) that it would pay the the equivalent of 5 payments C ) that it would pay the remainder from actual value report from primary insurance. 
Since the answer kept changing i asked for this information in writing to be sent to me in writing. But recieved 3 different payoff letters with different payoffs on each, each one being less than the one before. Its been 4 months now and i still cant get through when i call, but the collection calls dont stop. 
Only now the operator always has a taunting/smirky voice as if to laugh at me and will not transfer me to anyone. I know that they have made changes to my contract without notifying me beforehand such as removing the warranty. And never notified me in writingn, but an operator let it slip.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have the problem with Santander bank. Start from XXXX, I didn't know some money with amount {$1100.00} kept depositing to my mortgage account on XXXX of every month, till XXXX total 4 times.I contacted them immediately in XXXX, and asked for who paid it, but I didn't got the answer, and I was told just need to pay the remaining balance. but from XXXX, I paid full mortgage payment. at the beginning of XXXX, the guy who paid to my account by mistake called back the money, it is normal and understandable, but the bank even reverse all the payment even paid by me. and told me I didn't pay since XXXX, I kept calling them, almost every day. nobody give me a solution, they just kept change my balance, every week I receive a difference number need to pay, finally, I was told by customer service, they didn't accept any payment before they making it clear, I should wait their notice, but after that they reported me their lost mitigation deportment, and informed for pre foreclosure. till now the statement is not correct, it is difference with what I got from the phone call, I still don't know how much to pay. I just paid them based on my calculation. but the still reported to consumer report which impacted my credit history. I can't imagine such a big bank, no body can do the correct calculation?

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 2023-11-09
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: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I defaulted on my mortgage solely as a result of losing income from COVID-19 economic chaos and closing of my employer business in XXXX. I have worked out the settlement with the second mortgage and requested first mortgage BofA to assist. In reviewing my documents I discovered that my original note from XX/XX/XXXX was adjustable rate mortgage with 1-year treasury index plus 3.275 % ; It appear that BofA acquired this mortgage from Countrywide and they have been over charging me for the interest since XXXX. They are also unwilling to offer post-COVID pandemic relief to us. For example rate for XX/XX/XXXX is 7.00 % while 1-year index is below 1 %.

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 2018-03-11
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the month of XX/XX/XXXX XXXX evening i decided to go online to check my credit report my first time and when i got through one of the Credit Bureau XXXX XXXX Website, I found out that someone in the past used my Identity and applied for XXXX XXXX Bank credit card, the amount of {$300.00} credit limit. This Account Number : XXXX was selloff and bought by ; The Current Owner : XXXX XXXX, XXXX. Account Number : XXXX posted in Collection the Amount of {$620.00}, all 3 Major Credit Bureaus ( XXXX, XXXX & XXXX  ). 

I still wanted more information about this debt, so I wrote to XXXX XXXX, XXXX on XX/XX/XXXX for validate to verify more information about this debts I send the mail certified and at a later time the return ticket confirm they received it on XX/XX/XXXX, XXXX XX/XX/XXXX about noon time I received a letter from XXXX XXXX XXXX XXXX XXXX and a attachment : Court Judgement of {$820.00} On XX/XX/XXXX without me knowing or properly served, they filed a suit, I was very upset and confused, i never applied for this credit card and i have no knowledge about who? used my identity and why? this debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Back in XXXX I contacted Experian after going online to XXXX and looking at my credit report. I noticed there were 4 inquiries on my Experian credit report that were not authorized by me. Those inquiries included XXXX, XXXX and XXXX  XXXX. I contacted XXXX XXXX, XXXX and XXXX  XXXX and let them know I did not authorize any of them to pull my credit. XXXX, and XXXX informed me that they would remove the inquires. XXXX  XXXX informed me that when I was searching for a merchant account they pulled my credit apparently to approve a merchant account I was searching for. The problem with that is I didn't authorize the pull I just wanted information about the account. Not to have a hard inquiry on my credit report. I informed every merchant account company of this before the application process to run a soft pull or not to pull my credit at all if they could not do a soft pull. I contacted Experian as well and asked for the inquiries to be removed. Experian informed me that it would take up to 90 days to remove the inquiries. It has been past 90 days. I am in the process of trying to buy and or rent a house and these unnecessary unauthorized inquiries lower my credit scores. XXXX  and XXXX  don't have these inquiries on my reports, yet Experian does. I even asked Experian to note in their computer systems my requests more than once to remove these inquiries and they informed me that they did. Please help me get these inquiries off my credit reports. The only thing I can think of to do next is file a lawsuit against Experian for not removing the inquiries which are causing my credit scores to be lower than they should be making it more difficult for me to purchase or rent a home at this point. Please help me.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I had a loan with Speedy Cash back in XXXX, I have been working with a credit repair company and the account was in dispute, and have had no commination with this company since XXXX. Ad Astra RecXXXX created a digital check dated for XXXX in the amount of XXXX and deposited a the fraudulent check into my account as if I just wrote the check. My bank did not honor due to NFS, however, once my bank found out where and how the check was submitted they opened a fraud case. I want to file a complaint on Speedy Cash DBA Ad Astra RecXXXX  for creating and submitting a fraudulent check that I did not authorize nor singed into my account when I have not communicated with this company since XXXX, and without a court order or any other action that should be taken prior creating and submitting a check that I did not authorize. I have also file a complaint with the Ohio Attorney General office. I did not authorize nor sign a check dated XX/XX/XXXX for XXXX to Speedy Cash nor their collection company Ad Astra RecXXXX. Not to mention, how I know the check is fraudulent, they put my new current address on the check ( which I know they did not have ) to make the check appear to recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Shellpoint Partners, LLC
State: MI
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:
Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 a victim of identity theft please see my document attached

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 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXXXXXX XXXX ( 1st ) Loan amt. {$180000.00}. Payoff from mortgage loan {$100000.00} cash to seller {$61000.00}. XXXX XXXX XXXX ( XXXX ) XXXX XXXX finance charge XXXX ( 3rd ) XXXX Bank of America gave XXXX {$170000.00} XXXXXXXX XXXX  Bank of America is the ( 4th ) mortgage company and XXXX Mortgage is ( 5th XXXX XXXX  went back and forth with this Loan. In XXXX there was {$12000.00} overage. 

There is no explanation why there is 5 Mortgage Loan on this House. We owe the same amount now, as to when we built the house 23 years ago. I have Investors calling offering me XXXX for this house. We have never miss a mortgage 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
Consumer complaint received 2023-03-08
Company: Shellpoint Partners, LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was called by a man, named XXXX XXXX, claiming that if I wanted to save my property I needed to make XXXX payments that day, which was XX/XX/. He had me get a XXXX postal money order and overnight it to their lawyer in Florida, and this was to stop foreclosure proceedings. After making this initial payment, I was skeptical so I called the XXXX number on my mortgage paperwork and they couldnt verify that he worked for the company, Shellpoint. I texted this man and asked him why he was scamming me. He immediately called me and said this was not a scam. He then proceeded to ask me if I wanted him to call me from the XXXX number and I said yes. He called me from the same XXXX number that I used to call my mortgage company. He called me again on Friday, XXXX XXXX XXXX  to give me a confirmation number for my payment. He also called again on Monday, XX/XX/ to say that they were going to do a loan modification and reduce my payments to {$720.00} and lowered the interest to 2 %. Then he asked when I could make my first payment. I told him the XXXX because that was my next payday. I got my income tax refund back before then so I thought I would make my payment early. I called XXXX XXXX, because he told me that he was my new point of contact person, and again made my payment the same way. Postal money order, to the lawyer, XXXX XXXX XXXX XXXX, overnight. It cost me over {$100.00} just to send payment this way. I have all text messages and receipts for these transactions. He called me again after this payment to give me another confirmation number. Im supposed to make 2 more payments this way. I received a new statement from my mortgage company and none of the payments were applied to my mortgage so I called the mortgage company again. This time the man I spoke to said it was a scam. Im unsure what to do next, but these people need to be stopped from taking money from innocent victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: OH
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 15 USC 1681. 
XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXXXXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX # XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a medical collection showing on my credit report from RSH and Associates LLC. From what I can see from my credit report, this debt is over two years old and for the amount of {$2500.00} To be specific, this debt is actually from XX/XX/XXXX. 
My first issue with this account : I didn't get any paperwork or a letter from this collection company whey then this account was placed with their office. My second issue : I requested a proper validation of this debt in XX/XX/2020 when I found this debt out about this debt. The collection company sends me a letter stating that I don't have the right to request a validation of the debt because my time to dispute it has ran out, but they demanded payment in full anyways. I sent a request again, and the second letter states that they verified the debt with XXXX XXXX XXXX. ( Don't have a clue who this XXXX  center is ) and it's accurate. So pay them. I contact the original creditor, and they direct me back to the collection company. 
My third issue : This collection company is reporting inaccurately on my credit report. Per my financial and credit advisor, this debt shows no last day of activity on the account, which means that this debt could be re-aged at any time. So if this company wants, they could update this account to keep it on my credit longer then the seven years, and they have responded to my disputes with the credit reporting companies twice now without updating the last day of activity on the account. How is it possible that a collection company can demand payment on a debt with reporting it properly or providing any documentation regarding what they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Usaa made several errors on my account when instructed to make a scheduled transfer of XXXX. 

They instead tried to pull XXXX Thereby holding XXXX for not being there And stealing XXXX in return fees which was actually my transfer. This means they stole my original transfer of XXXX and evaded paying it back as they chalked it up to return fees for a false number XXXX. 

I called and they claimed they just sent it back to my external account but they did not. Its not there. 
However they left a XXXX negative balance. On the form it says ( XXXX ) XXXX. 

There errors show on the bank report and reflect irresponsible behaviors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Byrider Franchising, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Was solicited as an employee of CashApp I was told I was being offered a line of credit and a {$90.00} deposit was needed to be sent to the user XXXX XXXX. 

They ran off with my money, this is a scam, and the number I was called on from a XXXX number is no longer in service. Cashapp has not responded to 5x emails.

Company response to consumer: Closed with explanation