BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX XXXX Located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I rescinded the contract with the dealership on XX/XX/XXXX because the finance charge was not disclosed to me and I was told that must pay {$3500.00} XXXX  in order to drive off the lot with the car today. Also, after they charged me for DMV vehicle registration fees, the DMV has informed me that XXXX XXXX XXXX has failed to submit DMV registration paperwork beyond 90 days from the purchase date. As of today XX/XX/XXXX, the vehicles registration is currently expired/suspended due to a lack of title registration from XXXX XXXX  XXXX XXXX I believe that XXXX XXXX XXXX willingly and knowingly took advantage of my consumer credit. I was given deceptive and false information regarding the down payment and the finance charge was not disclosed to me. I made the vehicle available to them at my place of residence for them to pick up the vehicle, and they had a XXXX  Device tracking the vehicles location but they never came to pick up the vehicle from me.

I believe that this is a violation of 15 U.S. Code 1605, 15 U.S. code 1635, and 12 CFR 1026.4, because I rescinded the contract on XX/XX/XXXX and it has been beyond 20 days with no remedy from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage has deceptive practices that prevent customers from paying their bills in advance. Here are the facts : I recently refinanced my mortgage, in which my loan was sold from XXXX Loans to PHH Mortgage ( hXXXX XXXX XXXX ) in XXXX. As I am vigilant about paying my bills, and often pay my mortgage in advance, I was concerned when after making my first payment with PHH through their mobile app, I was no longer able to pay my mortgage in advance through the app, as I received an error message stating " You are not eligible to make a payment at this time '' and prompting me to call XXXX. I immediately called the company and they informed me that the error would go away as it was only there because I just made a payment and it was still processing. A few weeks went by and the error message did not go away and it did not allow me to pay my mortgage in advance, which is a major red flag as I never had this issue ( preventing me from paying the mortgage ) with any other mortgage company that I have had ( XXXX  XXXX XXXX and XXXX Loans ). I called them back again and this time the rep told me that I could not make electronic payments in the app until I signed an amendment, which he would mail to me, a detail that was not provided to me when I initially called a few weeks earlier when I first saw the error message. I also asked for the amendment to be emailed so I could get an electronic copy of the amendment, which he said he would do. Fast forward a week later, no email, no amendment in the mail and I am now getting closer to the due date for the mortgage. I called PHH again on XXXX. XXXX, and this time, after stating that I never received the amendment, the rep said to give it more time for it to arrive in the mail. I then noted that I got other promotional emails from PHH but none that included the digital copy of the amendment they would be mailing. When I asked for them to email me a copy of what they allegedly mailed to me, they told me they did not have a copy in their system. Another red flag as I would imagine all customer communications need to be documented especially for an amendment which they make appear to be a standard requirement for all customers to sign. As of XXXX there is still no resolution, which is why I am filing a formal complaint as I am concerned PHH Mortgage is executing deceptive practices with its customers in order to prevent them from paying their mortgage in advance and currently putting me at risk for not paying my bills on time. I also just discovered that as of XX/XX/2021, this company has a class action lawsuit against them in connection with unauthorized servicing fees, seems like this is another deceptive practice that should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX XXXX, XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$1500.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. 

The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$1500.00} } for account number XXXX to any of the credit bureaus. 

A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of 1974. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

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 2021-04-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
We closed an account with Wells Fargo last year. There is no money due. No credit card balance. We have no current affiliation. However, we are continuing to get notices that the account has a XXXX  balance - I called to question this several months ago - I was told that the notice is simply to let us know that we need to download whatever information we need to - because the records were being removed from online access. I was also told that the bank records indicated that the account was indeed closed. However - we continue to received " XXXX '' dollar notices - this leads me to believe that the account does in fact remain " open '' and that someone - anyone - would then access it for whatever nefarious means they wish to pursue. 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 2020-04-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since 2014, every time I try to request my XXXX report for Experian, I get the following : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX  Request Service XXXX. XXXX XXXX XXXX, GA XXXX I have had no issues with XXXX  or XXXX. I do not have any freezes with any credit bureaus.

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 2022-07-18
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I, XXXX XXXX XXXX, sent a payment in the amount of {$11000.00} to JP Morgan Chase Auto Finance on XX/XX/2022. As of today XX/XX/2022, this check has not been processed by Chase Auto Finance. The account number in question is XXXX. In the interim period Chase hase been accruing interest against my outstanding balance. The check amount, when sent, should have paid off this loan. I believe that Chase maybe slow processing payments to accrue more interest charges. A reasonable time period to receive and process this check, should be about 5 business days. The amount of wasted time by Chase is far beyond the norm. I want this payment applied, within the reasonable time frame I mentioned, and any finance charges to be based on that reasonable time frame. This is my good faith effort to pay this loan off. Due to Chase 's delay in processing this payment I had to make a payment to stay current with my loan on XX/XX/XXXX. Chase will now have a negative balance showing owed by me, when the pay off check is processed. Because of this forced over payment, Chase should immediately send the over payment amount, plus interest to me. This over payment, by me, is due to the inefficient processing of my pay off check by Chase Auto Finance. The pay off check had not cleared as of be this morning on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
. 
In accordance with the fair credit reporting act XXXX  accounting # XXXX, has violated my right. 

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

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

15USC 166B : 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 2023-04-26
Company: Experian Information Solutions Inc.
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; AXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-07-18
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection just popped up on my credit. First I was NEVER informed of it and I have an active policy with XXXX XXXX. I do NOT owe them any collection amount. This is inaccurate, false and needs to be removed off of my credit file please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXXt XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXXt account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2022-07-18
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I received a wire from a business transaction in the amount of {$25000.00}. Navy federal placed the wire on hold and requested I verify my personal information. After all information was successfully verified Navy federal stated that a check had been mailed out. After months and months of calling and being told ( on various recorded lines ) that my check was mailed ; finally I talk with a representative that stated the check had never been mailed and that I would have to hire a lawyer to get my money back. On XXXX XXXX a demand letter was sent to Navy federal requesting the immediate return of all funds. Navy federal then agreed to return the funds on XX/XX/XXXX. As of today the bank has not released my money and refuses to now answer any emails or calls from my lawyer. Navy federal Credit union is now unlawful holding my money and refusing to return it. This has caused great financial and XXXX damage to my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 at around XXXX I received a call from my realtor stating she had received a phone call from someone at the electric company stating they were getting ready to shut off service. She provided me with the phone number of the service man XXXX and the number I could callback to make payment which was XXXX. Upon speaking to the representative XXXX XXXX at XXXX XXXX  I was advised the balance of {$990.00} needed to be paid in order for me to not get shut off. I started crying and told him I had no mean to pay that whole amount at the time. He stated I could pay {$490.00} to avoid disconnection. He directed me to pay via XXXX through my banking institution and asked me to type the XXXX recipient as XXXX XXXX. He asked me to send proof of payment to a number XXXX and then to another XXXX. Upon receiving that payment he stated that he couldn't stop disconnection and that I needed to pay the additional {$500.00}. I went ahead and paid the {$500.00} balance via same method. 
On Monday XXXX when I checked my electric billing account, I didn't see the money deducted and I immediately called XXXX whom informed me that they never called to collect payment. They advised me to call my bank and file a claim. I called my banking institution and filed a claim which they have denied due to the fact that they payment was made with XXXX and they claim they can not get the funds back. When I checked my banking institution the XXXX recipient appears as a XXXX with a phone number of XXXX. 
I have filed a police 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 2023-04-26
Company: EQUIFAX, INC.
State: TN
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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXXankruptcy : Bankruptcy Reference Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
TransUnion has not been in compliance with regulations and the law under the FCRA- they have failed to provide documented proof of compliance reporting. And update unverified and inaccurate information - thats a defamation to my character

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 2022-07-18
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to XXXX XXXX XXXX XXXX  {$530.00} for a XXXX  test back in XXXX that I was forced to pay in cash because they did not except card or insurance cards at the time for XXXX. As of XXXX XXXX I apparently owe a debt of that amount to them and believe the act is fraudulent.

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 2022-07-18
Company: Mortgage Research Center, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Good Afternoon We have a problem with an appraiser that you use that will be reported to the state and federal government for low balling and redlining our communities On XXXX XXXX the appraisal for XXXX XXXX, XXXX, Tn XXXX she low balled the house {$25000.00}. 
On the second appraisal XX/XX/XXXX XXXX XXXX, XXXX, Tn which is a larger and more updated home she low balled the house {$35000.00}. 
Do we want investors buying all the houses and renting them to consumers or are we going to help veterans become homeowners? 
XXXX XXXX was built in XXXX and the rehab was very extensive New plumbing, new electrical rewiring, new roof, added central air/heating, new hot water tank, 2 new bathrm updates with cabinets, fixtures, and flooring, new kitchen with cabinets, fixtures, and flooring. 
In XXXX walls were built with plaster and all the walls and ceilings were replaced with sheetrock, new fixtures, and doors. 
The medium home price in this country is {$400000.00} and in our city it is around {$270000.00}, but to appraise a newly renovated XXXX bedroom/ XXXX bath brick home with over XXXX sqft for {$110000.00}, {$35000.00} less that the veteran offered is not fair to ask the veteran to come up with an additional {$35000.00} to buy

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 2022-07-18
Company: EQUIFAX, INC.
State: AZ
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:
My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In  XXXX     2017, I sent  a request to each Experian,   XXXX   and  XXXX   XXXX  regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows : Experian : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert   XXXX   : Has failed to make any response to the request.

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