BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Financial institution XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - Westlake Financial Services. 

They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and XXXX  they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX  wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home insurance policy ( XXXX ) was due to be paid out of my escrow account ( Rocket Mortgage ). I checked my dashboard on my Rocket Mortgage account, and it a banner stated that my home insurance was going to be paid. 

On XX/XX/XXXX, we received notification from our insurance broker that our policy had not been paid, and was about to be cancelled. I called and spoke with Rocket Mortgage, and the agent said that when they acquired my loan in 2021, they tried reaching XXXX to inform them that they were our new servicer but had not heard back from them. The Rocket agent called over to our broker and was able to switch the servicer within 60 seconds using the automated system, while I was on hold.

The check was sent out via USPS to XXXX- for which we are still waiting for this to be credited. ( Our policy lapses on XX/XX/XXXX. ) I noticed that because this payment was not sent, we incurred a {$15.00} late fee from our insurance company. When pressed for reimbursement, Rocket Mortgage told us to contact XXXX. XXXX has told us to deal with Rocket Mortgage. 

It is my belief that since Rocket Mortgage ( 1 ) has the fiduciary responsibility to pay this bill on time from our escrow, ( 2 ) failed to secure themselves as the servicer of our loan with our insurance company in a timely manner, and ( 3 ) failed to perform a function of their role, this fee should be their responsibility and not a penalty that I should be forced to burden by them. 

I appreciate your assistance. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/20, Hunter Warfield called my job back to back within a 1 minute span. Hunter Warfield has my personal cell and my personal email. Thus, using aggressive and intimidating tactics by calling my place of business is unnecessary. Proof of calls attached. I have also made this company aware that I can't accept personal calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: I.C. System, Inc.
State: NC
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2017-10-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian will not remove an old entry from 2009 on my credit report. The account is a charge of from XXXX XXXX ( ACT XXXX .... ) This is long past the 7 year reporting period, and the other bureaus have already removed it.

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 2020-01-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like my fraud alerts removed from 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 non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Received email alerts on XXXX from a card company called XXXX  card with multiple uses and multiple dollar amounts. I looked on my transunion report and there was a unauthorized hard credit pull from a company called upgrade. I froze my credit and am providing trans union with a police report to have removed.

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 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I am opening a complaint following my previous complaint ID : XXXX. In that complaint I had mentioned that on XX/XX/XXXX, I balance transferred {$13000.00} from my Capital one credit card app to my husband 's XXXX debit card. I found out the next day that the debit card does not accept incoming transfer. So I called Capital one and asked them to put a stop to it and cancel the transfer. They could not do it and I was told that I have to wait for it to be rejected and be refunded back to me. 
It has been more than XXXX weeks and the transfer was not rejected and has not been sent back to us and XXXX is saying that the transfer has not been received. 
Capital One has not provided any proof, transaction ID or trace number about the transfer and XXXX has no way of tracking what has happened to the money. 
I have opened many cases with Capital One and they keep closing them without any resolution to our problem and finding out where the transfer is. Capital One back office has to talk to XXXX back office and figure out where the money is! The transfer has filled up my credit card limit and brought down my credit score a lot! 
In response to our complaint ID XXXX, capital one promised to fax XXXX the proof of the balance transfer. I called Capital One and provided the fax XXXX XXXX. Attn : XXXX XXXX XXXX weeks ago, but Capital One has not sent any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to hospitalizations and lay-off from work my husband and I were not able to pay our mortgage to XXXX XXXX. XXXX XXXX offered a forbeancence option with 3 payments of {$500.00} each for XXXX, XXXX and XX/XX/XXXX. The mortgage was transferred to Specialized Loan Servicing LLC ( SLS ) at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Colorado XXXX. We completed the Loan Modification application and the bank certified checks were sent by overnight mail and received by the first of each month for XXXX, XXXX and XX/XX/XXXX. We have tracking numbers proving the overnight packages arrived on time. I spoke with SLS on XX/XX/XXXX ( XXXX ) and asked if they received the XXXX payment. I knew they had because the USPS tracking number XXXX confirmed receipt. XXXX said she would notify my point of contact ( XXXX ) who would get back to me. XXXX did not get back to me. I called on XX/XX/XXXX and spoke with XXXX at XXXX XXXX. She told me at that time that the XXXX payment of {$500.00} was not received according to her software. This is false b/c we both checked the USPS tracking number which proves the check was received. I asked to have a supervisor call me and she said someone would within 24 to 48 hours. No one called. I called SLS again today XX/XX/XXXX and spoke with XXXX. I gave him the certified bank check number for the XXXX payment of {$500.00} My bank said that SLS has the check they just haven't cashed it yet. XXXX ( SLS ) says he will put in a request to find the check. This is the first time anyone has told me that the check was lost/misplaced and it will take 5 to 10 days to find it. He also said a supervisor hadn't called me b/c 48 hours hadn't gone by yet. I am getting the run around from SLS. I need to know if our Loan Modification was approved and what I have to start paying as a mortgage amount. I should not be forced to pay overdue fees b/c we filled out all the application and submitted the application and the three {$500.00} payments on time. I don't understand why SLS is holding the check and not cashing it. Why aren ' t they contacting me with an answer to my question about the loan modification. Something is fishy here.

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 2022-01-25
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2017-08-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The XXXX XXXX XXXX account being reported on my Equifax report is inaccurate. Please see the attached showing that I do not owe any arrears as being reported! The account is now a matter of the federal courts. XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CMRE Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello! Back in XX/XX/2020, I noticed that there was a collection account on my credit report. There was not only one, but two debt collection accounts from the same company. I myself do not know or understand anything about debt collections. But when I was on the XXXX credit bureau website. I went on and decided to dispute the debt collection company CMRE Financial Services INC on the website. XXXX  claimed that the debt was valid, but never sent me any evidence to support this claim. Being though I again, do not fully understand the whole thing about debt collection ; I went on and paid the debt collections, without any proof from XXXX or CMRE Financial Services INC. I have never even received an invoice or any documentation from the debt collector, about the accounts. My first contact with these accounts was when I looked at my credit report and seen these negative marks on the credit report. When I paid them off in XX/XX/2020. I started to receive multiple debt collection accounts from many different collectors. I knew now, that there must be some type of issues concerning my information. It wasn't until I received a letter stating that my Personal Health Information may have been exposed. I knew for sure, that all of these letters from various debt collectors were fraudulent. I have contacted CMRE Financial Sevices INC, to let them know that, the debt collections they issued me, was definitely fraudulent information. I know for sure, that I paid them under false pretenses. And that the debt they are saying belongs to me is simply not true. I sent multiple letters to XXXX  and CMRE Financial Services INC, by certified mail, asking them to reinvestigate the legitimacy of these debts owed to CMRE Financial Services INC. I'm a single mother and an essential worker for the USPS. All I ask is for CFPB to investigate CMRE Financial Services INC, and have them validate the debt that they are saying is mines. I have paid both debts in XX/XX/2020 in the amounts of {$700.00} and {$570.00}. I only ask for a refund and for the negative debt accounts to be deleted from the three credit bureaus. This saddens me, that people can put any type of information on consumer credit reports, without real physical proof of validation. This is something that needs to be changed and updated. I thank you, for taking the time to read my report and any info that you shall need from me will be provided. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX XXXX   to XXXX, XXXX. Someone in XXXX XXXX   has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : 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 FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL   XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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 recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: MD
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief