BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: MS
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 did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681. 

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which
antedotes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a Experian, XXXX and XXXX Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to Experian for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to amshercollectionsservices for XXXX {$84.00} ; it sold it to XXXX XXXX XXXXXXXX on XX/XX/2022 and the accounts is on my XXXX credit report, but I never owed them anything and it is still on 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 2023-01-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX My Loan went into default about XX/XX/XXXX. I hired an Attorney ( XXXX XXXX ) to address my foreclosure case. My Attorney abandoned my case in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. failed to provide NOTICE OF JUDGEMENT HEARING DATE TO THE BORROWERS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained Foreclosure Judgement on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX Schedule Foreclosure Sale without providing the NOTICE OF SALE TO BORROWERS/OWNERS ( failure to notice of a prejudice inducing event such as Sale ; generally raised violations ( XXXXXXXX XXXX XXXX XXXX XXXX ) of due process. In XX/XX/XXXX, I STOP the FORECLOSURE SALE & REMOVAL CASE FROM STATE COURT ( BAIS ) THEN TRANSFER TO FEDERAL COURT. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The Federal Judge stated to me that my defense should have been raised in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX extinguished ALL MY LEGAL RIGHTS to defend myself in State Court. Since XXXX, the law firm of misconduct has not change as XX/XX/XXXX. Hundreds of Minority Homeowners property rights were extinguished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I recently obtained data that my property was sold at public auction On XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX took title to my home without following the due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Affirm Holdings, Inc
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I contacted Affirm to close my account on XX/XX/2022. I had used their services multiple times in the past, but recently I have not been allowed to do so. After paying off my final Loan on XX/XX/2022, I left the account open just in case I was able to use it. I checked on the account again and was still unable to use it. After this, I tried to close my account and I kept receiving an error stating that I still had open savings accounts or unresolved loans. I verified that all my loans were settled and that I had no open savings accounts. I was clear on my end, so I reached out to customer support. I was told that I was not able to close my account because of the possibility of a refund. My most recent loan was opened in XXXX of 2022. My return windows are closed. When I brought this to their attention, I was told that if I claim the warranty, they may refund my affirm account. The warranty is handled by the manufacturer directly and my extended warranty is through XXXX meaning, no refund will be issued to affirm. When I stated this, the employee said that was their policy and ended the chat. I have since called in and as soon as my account is pulled, they end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I tried to contact Capital One about not allowing me to have the full limit of the {$300.00} they promised me. It says on my credit limit that my credit limit is {$300.00} and Capital One only allows me to spend like {$250.00} can you please explain this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CBC Companies, Inc.
State: PA
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:
XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a vehicle ( XXXX XXXX ) from us auto sales with a 2 year warranty agreement back on XX/XX/XXXX and before I could make it home the vehicle broke down and had to be towed back to the dealership, the transmission was done. I went back the next day and was put into a XXXX XXXX and mid XXXX, the engine goes out. It sat until XX/XX/XXXX because of the back and forth of who is required to do what. I got my vehicle back and not even 2 months, it's down again, this time needing a transfer case and this is when I find out that us auto sales had but been honoring their end of the warranty contract because they weren't paying dowc ( the warranty company ). I'd made almost {$3000.00} worth of payments by this time, but couldn't get my vehicle fixed under a warranty that I'd been paying for that the dealership was taking. I asked us auto sales about deferring a few payments if I had to pay out of pocket for the repairs and was told they would look into it and the next thing I know, I'm getting emails from Westlake portfolio management, which is a debt collection agency that apparently us auto sales has sold/transferred their debt over to because I was never in debt with them. I wrote a letter on XX/XX/XXXX to Westlake portfolio management disputing the information in which they have because I never signed anything with them and was never informed from us auto sales of the transfer. Because us auto sales seems to be out of business or currently in a state of bankruptcyXXXX  there is no one to uphold the contract, they voided our legally bonded contract by stealing money and not honoring the terms as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
FNBO CLOSED MY ACCOUNT ON XX/XX/XXXX WITHOUT NOTICE AND THE BANK FILED A CHARGE BACK ON ALL MY XXXX PURCHASES CAUSING ME PROBLEMS WITH XXXX AND MY XXXX XXXX ACCOUNT. BECAUSE THE BANK TOOK IT UPON THEMSELVES TO CLOSE MY ACCOUNT AND CHARGE BACK THE XXXX PURCHASES, MY XXXX ID WAS DISABLED AND CAUSED MONETARY DAMAGES TO MY ONE OF MY SOCIAL MEDIA PLATFORMS. HOWEVER, THE CHARGES WERE VALID AND MADE BY ME. SINCE THE BANK THINKS THEY KNOW IT ALL AND PULLED A SHADY, SNEAKY, UNDERHANDED STUNT, I WILL NOT BE SUBMITTING PAYMENT FOR THE XXXX CHARGES THAT THEY CAUSED DAMAGES TO ME BY DOING THIS ILLEGAL ACT. I WILL ONLY BE REMITTING PAYMENT FOR THE NON XXXX  CHARGES. 

THIS BANK DEFINITELY NEEDS TO BE INVESTIGATED FOR ILLEGAL PRACTICES. THE BANK DID SOMETHING SIMILAR TO ME BACK IN XXXX XXXX. THEY OPENED AN ACCOUNT FOR ME BACK THEN AND THEN CLOSED IT A WEEK LATER.

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 2023-06-26
Company: Navient Solutions, LLC.
State: WA
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:
LOANS WAS FINALLY DISCHARGED IN XXXX RELATED TO ALL XXXX SCHOOLS AS XXXX COLLEG/UNIVERSITY WAS ONE OF THEM. I WANT TO MAKE SURE XXXX REMOVED THE DEBT OFF MY CREDIT REPORT, AND THE SAME ORDEAL WITH XXXX AS WELL AS XXXX IF THEY HAVE NOT ALREADY DONE THAT ALREADY. 

DEPT OF ED / XXXX Reported : XXXX. XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX  Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX/NAVIENT Reported : XXXX XXXX, 2016 + {$0.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Interest rates rose immensely after pay off.

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 2023-03-01
Company: EQUIFAX, INC.
State: MS
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:
XXXX reported my account as delinquent. I do not have to pay because my loans are deferred every year through XXXX which is a scholarship that pays for my loans as long as I teach for the year. I called the company and they verified my loan is in good standing and has been fixed, but this has not been fixed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Equifax dated XX/XX/XXXX22 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
Dear XXXX ; XXXX ; XXXX ; BANK OF AMERICA ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-04-05
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I submitted a complain ( # XXXX ) regarding I did not receive notice to dispute from Consumer Adjustment co XXXX XXXX XX/XX/XXXX the company responded, stating they have sent me a initial notice thought US postal on XX/XX/XXXX ( with no proof of delivery ), Company responded to the complaint stating they will respond to dispute letter. I did not receive enough information to verify any debt. 
The information I did receive violation code 15 US 1692 ( b ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Furthermore this company has violated my consumer right by reporting to credit bureaus without written consent According to 15 U.S. Code 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except for 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall Lastly when I pulled my credit file for XXXX under loan type it says Collection agency/attorney which is very misleading. 
According to 15 U.S. Code 16929 ( e ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
My consumer rights have been violated and this is affecting my credit file tremendously. I would like for the company to be removed off my credit immediately and to fine for the violations listed above. 
Attached below are all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Prosper Marketplace, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am currently serving overseas on XXXX XXXX XXXX ( called to XXXX XXXX from a XXXX XXXX ) and my account has been under SCRA status since XX/XX/XXXX due to my military status. 

With my military duties and my remote location, I am limited in my abilities to check my accounts but noticed when I did that I was behind on my loan payments and sent a payment. It will take time for me to make the remaining payments due to the time I need to transfer funds, etc. while overseas but anticipate being able to get everything up to day by XXXX. 

Surprisingly, Prosper tried to take out more payments beyond the one that I initiated as I distinctly remember only sending one payment. I did not have auto pay on and did not initiate this second transaction but Prosper initiated it anyway apparently. I called the customer service about this and they could not provide a satisfactory answer about this attempted extra payment. 

And late on XXXX XXXX, Prosper emailed that if I dont make payments by XXXX XXXX that my account would be written off as a bad debt.

Im very disappointed in Prosper and this whole situation. With my account being under SCRA protection and me making a payment last week and working to get things straightened out while on XXXX, they seem to initiate a transaction that I did not approve and now threaten to write off my loan as a bad debt. I sent an email to Prosper stating that I am working to resolve the remaining payments but it takes time due to my circumstances in my XXXX status overseas in the military. I plan on discussing this issue with the military legal office to see what my options are.

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 2023-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Been a Chase bank customer for 15 years without any overdraft fees. XXXX currently in XXXX XXXX where chase has no bank presence. Called XXXX regarding overdraft warning on my account. Told them that I already deposited the total amount plus more money to have on account to avoid future overdraft fees. Even tho they threat me that I am going to get a {$35.00} overdraft fee. Requested to CLOSE account before the overdraft fee happens and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: GA
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-06-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees being charged and ATM fees being charged twice

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