BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I started my contract with Westlake FinancialXX/XX/XXXX. The opening balance was {$20000.00} with an annual APR 23.99 % and a loan term of 72 months. I have a simple interest loan with interest incurred daily at a rate of {$12.00}. On XX/XX/XXXXI requested the payment due ( {$530.00} ) be deferred. I confirmed with XXXX XXXX that my payment would n't change and was told it would create a balloon payment with interest at the end of the loan. I confirmed that it was okay. Upon my request a document was sent to my email for me to electronically sign. In the document it says " You understand and acknowledge that the referenced extension shall result in additional interest being assessed on you account. Therefore, at the end of your scheduled term, there will be a balloon payment. '' I continued to make regularly scheduled payments XXXX XXXX. With a then balance of {$19000.00}, this balance remained from XXXX XXXX to XXXX XXXX with a total interest of {$4800.00} being paid. I spoke with a customer service individual XXXX XXXX, XXXX who confirmed that my monthly amount applied towards interest is {$370.00} and {$160.00} towards principle. After careful review of the payments and charges on my account I have found that there has been several payments that I made that were only applied to the interest. I have paid a total of {$8600.00} just in interest. You will see in the attached documents that I have gone several months with an unchanging balance amount. My current balance {$19000.00} has remained the same since XXXX XXXX. The conversation on XXXX XXXX, XXXX with XXXX XXXX discussed the details of a deferred payment. I was told that the principle amount was the only payment that was coming from the balloon payment at the end of the contract. Interest is added from the last time you pay until the next time you pay when you defer the payment. For example, I deferred my payment XXXX XXXX, interested accrued at {$12.00} per day from XXXX XXXX until XXXX XXXX when I made my next payment. I am very confused because I feel as though I am not getting anywhere. Refinancing is not an option with this financial institution nor with any other because my car is worth less than owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Starting in XXXX of XXXX, I texted my salesperson XXXX XXXX and I called XXXX XXXX XXXX, er Service to ask for copies of the receipts for my purchases and that I was disputing the balance owed to them. The receipts are the long strips of paper generated when I made the purchase, signed by me and describing the purchase. 

Every month I spoke with XXXX XXXX to remind them I had not received the requested receipts and that I was disputing the balance. When Capital One closed my account in XXXX XXXX, XXXX XXXX Customer Service failed to notify Capital One who owns their credit cards that there was a dispute over the balance owed. 

XXXX XXXX returned merchandise to me that I never received. They refused to file a claim for the lost merchandise with the shipper, XXXX XXXX. They refused to acknowledge that I was asking for a credit for the lost merchandise. 

This failure has caused my account to be closed and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX the XXXX I made a dispute with well Fargo well Fargo have not take my claim seriously and denied it they adamant that the claim was use with knowledge of the account but like I told them then debit card was stolen and they keep on playing around and denied I gave them dates when I was in the hospital to conclude that it wasnt me 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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed multiple accounts and inquiries on my report that I do not recognize

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 2021-09-08
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan serviced by Mr. Cooper and they have charged me XXXX in fees ( {$25.00} x 2 ) because 2 lenders had made unauthorized requests for a payoff amount on my Mortgage. I was in the initial stages of looking at refinancing options and didn't give these lenders permission to request a payoff quote. Mr Cooper not only provided them the info they charged me for each request. 

I called them and they said they would not remove the unauthorized charges. They tried justifying it by saying the requesters could have got it for free by mail but they chose to get it electronically and accepted the {$25.00} fee while totally ignoring the fact that I was repeatedly telling them that I never authorized them to request it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: NJ
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:
mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when 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 explanation
Consumer complaint received 2021-02-17
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by a collection agency named Credit Control LLC that claimed that I owed a debt. I wrote the collection agency asking them to validate the debt on XX/XX/XXXX and mailed it via certified mail and it was delivered XX/XX/XXXX. I did not receive any response from this agency and per my understandings they are supposed to respond within 30 days of receiving my request. The debt is being reported on my credit report, which is hurting me. I made a second attempt to contact the collector on XX/XX/XXXX and the letter was delivered via certified mail on XX/XX/XXXX ; I received an incomplete validation response from the collector which did not address my 2 prior validation requests. I have no proof that they can even contact me to discuss this debt they claim that I owe or collect on the debt that they claim I owe because they have not provided proof- they could be scamming me for all that I know. So much time has passed since I requested validation of this account and the first contact that I received since my initial validation request was dated XX/XX/XXXX ( which I did not receive until XX/XX/XXXX ). Additionally, the information that they mailed to me does not prove the debt they claim that I owe is accurate as all I received was a contract that does not have their name listed anywhere on it as being authorized to contact me or anything real clarity regarding this alleged debt. I am contacting you because it has been over 90 days since I sent my initial validation letter and I feel that it is unfair that this is being reported on my credit report when they failed to validate the debt.

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 2020-09-13
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has incorrect personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for an FHA Mortgage with Rocket Mortgage and asked multiple times for a Loan Estimate from them. Was provided with screenshots and a Loan Summary that was missing information to compare loans. 

Lender is not upfront about the origination charges =, interest rate or APR. There is no way to mortgage shop with the information given. Lender also pulled my credit. Now I have an additional Credit inquiry but no information about the loan details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan officer XXXX XXXX, XXXX # XXXX, instigated a loan application with Loan Depot on XX/XX/XXXX, loan number XXXX. We did not request a new loan. We already have a loan with Loan Depot and are satisfied with the 2.75 % rate. I did not respond to the loan application. On XX/XX/XXXX we received a notice that our application for a loan was refused. It was titled an " Adverse Action Notification ''. In the notification it said the reason that our application was turned down was because of our credit rating of XXXX. Remember that we didn't apply for a loan. Today, XX/XX/XXXX, our credit rating is XXXX. Its obvious that because of this so called loan application refusal our credit rating has been severely damaged. Also, in the future, if we find it necessary to apply for a loan we will have to answer that we have been refused a prior loan application. I believe XXXX XXXX saw a prior request from XXXX asking for information about mortgage rates. That prior interest was dropped because the cost to refi was too high. I believe he was fishing and when he received no response we received the Adverse Action Notification that has permanently damaged our credit rating and our potential for obtaining a mortgage in the future. I believe XXXX XXXX 's actions were completely un-ethical. Also the Adverse Action Notification should be removed from our financial history and our credit history should be returned to it's deserved rating. XXXX XXXX, at the least, should be reprimanded and be put on watch to be sure he doesn't scam another person. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX XXXX XXXX XXXX, I was on a Overseas XXXX XXXX from XXXX. On or about XX/XX/XXXX we received extended Orders on my XXXX XXXX which extended my XXXX XXXX. I had been in the process of looking for an apartment in XXXX XXXX, TX at the XXXX. I communicated with XXXX XXXX via email that I was currently XXXX and had limited access to internet and communications. On XX/XX/XXXX I notified them our printer was not working and I would not meet the deadline. According to the written correspondence if I didnt submit the documents by XXXX MST, then they would not be able to move forward with the application or hold the apartment. At that time I had not provided a deposit, so it is their policy for a courtesy hold 24 hours. I contacted them via Satellite phone that my XXXX had been extended until XXXX, but no exact date had been provided. Therefore, due to the extenuating circumstances because of my XXXX XXXX and XXXX  XXXX I didnt know when I would be coming back and would start the process when I returned from XXXX. While XXXX, I received a XXXX XXXX XXXX XXXX, for me to XXXX immediately upon my XXXX. Within 30 days of me returning from XXXX XXXX, I received my XXXX XXXX XXXX XXXX XXXX. I received Temporary Housing at XXXX XXXX due to the short window between my XXXX  XXXX and XXXX to XXXX XXXX, NC. I received Collection Calls from Hunter Warfield on behalf of XXXX, stating I owed the XXXX  money. After repeated requests, on XX/XX/XXXX I submitted my XXXX XXXX, my XXXX XXXX XXXX XXXX, and my XXXX XXXX and email traffic to Hunter Warfield and I was told that the negative remarks and collection account would be removed from my Credit History. This is still on my Credit Report, and I have contacted XXXX, and their Corporate Office about this matter. Based on the email traffic they would not be able to process the application without the paperwork. Additionally, I contacted them and told them that our XXXX XXXX was extended. I should not be charged for a deposit, when I was told it was a courtesy hold until they received the paperwork, I notified them the extension of my XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
CAPITAL ONE AUTO FINANCE is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX and XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CAPITAL ONE AUTO FINANCE. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CAPITAL ONE AUTO FINANCE for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed {$5000.00} in 2006 from at the time, " XXXX XXXX XXXX " now called Younomics. Aside from the times I was in school, I have made payments on this loan. In that time I have paid {$8000.00} into this loan. I still owe them {$5200.00} AND an additional {$400.00} in accrued interest from when I was getting my Masters and Bachelor 's. By the time I finish paying off this loan, I could have used that money towards a house or a brand new car. This is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Stuart-Lippman and Associates, Inc
State: FL
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 XXXX, I was an independent life insurance agent and appointed with XXXX XXXX XXXX XXXX XXXX in XXXX, TX. In XXXX of XXXX, I received commission from this company, assigned by another agent. In the second half of XXXX, XXXX XXXX notified me that I owed the commission back, however I was no longer independent and had moved on to being employed at new job. Since I didn't see the email they sent, I didn't address it and a couple of month later ( in XX/XX/XXXX ) they hired a law firm to collect the debt. I received letters from Stuart-Lippman & Associates, Inc.at my home and my work informing me they had been hired by the insurance co. I contacted XXXX XXXX but they would not speak to me stating that I had to speak with their attorney. I asked attorney XXXX XXXX to provide me proof of the debt. He sent a snippet of my agent contract & a commission statement, which did not validate the debt. I have disputed the debt and am still disputing it. 

Recently, the law firm reported their collection activity to XXXX. I disputed this with the credit bureau and after investigation, said they couldn't remove it because they had confirmed the debt. I don't believe it is fair to report this against me to credit bureaus for a number of reason 's related to my ongoing dispute. This doesn't fall under the scope of what should be reported to credit bureaus as I did not default on credit extended to me nor did I fail to pay for good/services received. I am asking that this be removed from my credit report based on it being something that should not be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent XXXX XXXX XXXX TransUnion, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._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 2018-01-18
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this complaint letter for Rent Automated Collections. Their address is XXXX XXXX XXXX XXXX TN, XXXX. They are reporting this on my credit report, RENT DEBT AUTOMATED COLLECTIONS- XXXX XXXX XXXX XXXX for {$1000.00}. I contacted them to have this debt verified since I filed bankruptcy last year. They sent me a bill and stated that the debt it valid. As this is not a valid debt. I do not owe a balance to this property, period. I tried calling the original creditor, XXXX XXXX and I learned that they no longer exist. The property is under a new name XXXX @ XXXX and management. The property manager advised me that there was no record of my rental history or balance. I continued to research this matter further. Enclosed is the original lease as well as the last payments I made on the account. I signed a six-month lease which ended XX/XX/XXXX. Per property policy, I gave my 60-day move out notice onXX/XX/XXXX moved out onXX/XX/XXXX. I paid my final month of rent which was {$940.00} onXX/XX/XXXX. Upon leaving, I provided them with a forwarding address for my last bill. Roughly a month later, I received a final bill for {$65.00} ( please see XXXX bank statement ). I paid this balance as soon as I received it. That was the final correspondence I received. Additionally, I paid a {$270.00} deposit when I moved in and the property has no record of that either. I have never left a balance on any rental property that Ive moved from, nor have I ever broken a lease. I travel for a living, so I can not afford to carry any balances. Most recently, this misreported error has caused me to get denied for an apartment home. Enclosed are the bank statements, original lease and billing statements as proof that this debt is invalid. Please help me get this invalid item removed from my credit report. As this is the only collection that I have on my credit report. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CCS collections has inserted an incorrect account across all three credit bureaus. This account was closed at my request by the creditor because it was taken out by my ex-husband, XXXX XXXX, while we were going through our divorce along with a car note that I took responsibility for. At that time I was in a XXXX facility with a XXXX XXXX XXXX XXXX XXXX. This policy that they are claiming was taken out by me was not and it has caused an extreme hardship to my family as we are in the midst of a mortgage approval. I offered to pay the company to remove this collection from my credit report because I figured it was the fastest option as I am in the midst of a mortgage approval that they have now caused to be denied. If this matter is not resolved and removed from my credit report I will file an FTC report along with retaining a consumer finance attorney seeking this company to cover the cost of my mortgage approval that was denied XX/XX/XXXX because of inaccurate credit reporting that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: Account status incorrect

Complaint:
I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

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