BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing keeps force-placing insurance on my account, which creates a negative balance in my impound account. They then sent me a notice that I am XXXX or more days past due. I contacted them and they " resolved '' the issue. Several months later they again force-placed insurance, again creating a negative impound account balance and I was forced to pay an additional {$180.00} ( that I did not owe ). They increased my monthly payment from {$1300.00} to {$1400.00}. I called multiple times with no resolution. I am still waiting for them to credit my impound back for the unwarranted force-placed insurance. I was told they would email me the escrow analysis and I have yet to receive it. I have provided them with my insurance binder several times for the time period they keep saying I had no insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We called west lake financial for a simple extension. We were never told initially we would accrue any interest or late fees but were told we must wait 15 days after the due date to request an extension. I then called in and I was told I must pay an NSF  fee and a late fee. After being hung up on numerous times by numerous agents I asked for the NSF  fee and the late fee to be waived due to issues with a supervisor and numerous other agents and I was told that in order for to me to get an extension I would have to pay {$50.00} in order to get it they also told me that if I paid the {$50.00} my extension would be guaranteed. They said by not paying the {$50.00} I would have to call back and its not guaranteed. I feel like this is almost an illegal business practice for our financial institution and I want reviewed. I also have a recording from the final call which I did tell them that the call was being recorded where they admitted to all of this. I would like all fees and internet carried waived due to the neglect and mistreatment. I also was told that the manager I spoke to was the only manager available and I could not speak to any other manager, which made me feel like I had no other resources to help me as a customer.

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 2015-05-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to XXXX, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In June I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it XXXX points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XXXX  XXXX  and be done with this terrible nightmare. Disputes on XXXX  and Equifax lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
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: Personal information incorrect

Complaint:
Employment information is not up to date. I have working for the XXXX XXXX XXXX XXXX XXXX XXXX and it not reflected in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: EQUIFAX, INC.
State: NY
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 a dispute letter to Equifax on XX/XX/2019 via certified mail that was recieved by Equifax on XX/XX/2019. I did not recieve anything via email, phone, or mail from Equifax in the 30 day required time frame for the investigation. I sent another letter to Equifax on XX/XX/2019 via certified mail informing them that they had not responded in the 30 day window and must remove the negative item I was disputing in the first letter, and were in direct violation of FCRA. I still have not recieved any email, phone call, or mail regarding this matter from Equifax and they have not removed the negative item from my credit report. That item is very much hurting my credit score and Equifax is in direct violation of FCRA punishable by a fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: LA
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 have been fighting with ID THEFT for sometime now and there are fraud accounts reporting. Ive tryed disputing this info but am not able to get the accounts blocked and or removed even after dispute. I have sent in all supportting documents to include police reports and ID THEFT affadvits and then some in support of this fraud!! The following is fruad and needs to be removed ASAP. 
1. XXXX XXXX XXXXAccount number XXXX Payment Info Original loan amount {$2800.00} Balance {$2800.00} Updated on XX/XX/2019 2.XXXX/XXXX Account number XXXX XX/XX/2019 3.XXXX XXXX XXXX Account XXXX XXXX XX/XX/2019 2019

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 2017-08-16
Company: EQUIFAX, INC.
State: NC
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:
Over two months ago, I asked Equifax to investigate errors on my credit report. They are supposed to respond within 30 days, but have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to Covid, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In XXXX  I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX  Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it 43 points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XX/XX/XXXX and be done with this terrible nightmare. Disputes on Experience and XXXX lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.

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 2017-05-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  XXXX  of  XXXX , I received an invitation for me to apply for the  BarClay Luxury Gold card from Mastercard w hich offered me as an  XXXX   XXXX  service member 0 % APR and 0 % interest with the additional perk of waiving the annual fee of {$990.00} per year for the duration of my  XXXX   XXXX  service. Due to my high tempo life style in the  XXXX   XXXX , this card was attractive in that it gave me more options and more attractive rates than anything I was able to find. I applied and was approved in  XXXX  and received my card soon after. After I received the card I made a phone call in about late  XXXX , early  XXXX , to the customer service to line to ensure that it was in fact 0 % APR and 0 % interest and no annual fee for the duration of my active service. They informed me that in order to ensure the Service Members Civil Relief Act  ( SCRA ) was   followed, they required me to send a copy of my  XXXX , my orders and a few other things to prove I was in fact an  XXXX   XXXX  service member, which I had no problem doing and did the next day. A few days letter I received a letter in the mail thanking me for my service and " I would be able to maintain my benefits of the duration of my service ''.     In  XXXX  of  XXXX , I received another letter stating that I am no longer eligible to receive the benefits they promised initially when I first signed up and charged me the annual fee of {$990.00}, but kept the 0 % APR. I looked on my account and they charged me for the annual fee. I 've mad e 2 phone call s to their customer service department and although when I initially signed up they promised me to never retract their offer, they now have. This was a very attractive offer for service member 's, however the fact the company has promised in writing to waive the annual fee, they are basically going against their promises and really putting it to the service members/users of the card.     I have turned a few friends onto the card, because again, as a service member it 's attractive due to our lifestyle.

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 2020-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the company/creditor many many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to Navy Federal to which they received it on XX/XX/XXXX asking for validation of the account. 

Navy federal failed to respond appropriately to the dispute and even went as far as to take money out of the account, which I had no knowledge of, even though the dispute stated that all collection shall cease until this gets resolved. 

Due to them taking the money out of the account in the amount of {$10.00}, Navy Federal Re-aged the alleged debt on my credit report which dropped my score significantly by XXXX points. This is a violation of the Fair Debt Collection practices Act. 15 USC 1692e ( 2 ) ( a ), see -- -- XXXX XXXX XXXX XXXX ( 2005 ) On XX/XX/XXXX Navy Federal Sent me an Email, That's it an Email, They failed to send me the things I asked for according to the Debt Validation. 

so on the XX/XX/XXXX and they received it on XX/XX/XXXX. I sent them a Notice of fault and opportunity to cure to which I gave them notice that if they didn't respond is an administrative judgement. 

Navy Federal has failed to do a proper investigation and I feel very violated as an consumer and the original creditor, because I even stated in the letter that banks can't lend money and Because Navy federal won't give me within the time allotted, I will be seeking litigation for damages. 

This has caused me XXXX and Anxiety due to them not complying and Violating my rights under the Fair debt collection practices act and the Fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car loan was thru Wells Fargo Bank. I paid the car loan off in 6 months, when I traded the car to a car lot and purchased a SUV, because my husband had to have XXXX XXXXXXXX and was no longer able to get into the smaller car. 
The loan had gap insurance and a warranty service that was purchased with the car, but the service contract was for 72 months. since it was also paid off early, they owed me a refund from the insurance company. The insurance company sent the refunds to the car dealership where I had purchased the car and the insurance. The dealership paid me the warranty refund from the insurance company but said Wells Fargo would refund the gap insurance. I called them to ask when I could get my gap refund. I was told as soon as the insurance company paid them, they would send it to me could take up to 120 days. at this time, I did not know the insurance company had paid both refunds out on XX/XX/22. This shows the man lied to me and presented false information to me the consumer. Wells Fargo wrote a letter to the XXXXXXXX XXXX and said they were not to pay me, they would pay it to me, the gap insurance, so I went to Wells Fargo, got a run around about they had not gotten it, it takes a while thru the system, a man named XXXX was very rude when I called on the phone, He informed me I was on day 73, of their process, so I still had a while before they would pay me. I recieved a call from a lady named XXXX, she said she would check into and get back to me within 10 days and try to get this settled, Well it has been ten days and no word. I am over XXXX XXXX XXXX, I am XXXX, taking care of my XXXX husband who is XXXX XXXX XXXX. They have over XXXX XXXX dollars of my money and I am getting no where in getting it back. I have a letter to show proof it has been paid on XX/XX/22 Wells FArgo says they are not using our money, so if that is not the case then why are they not paying us since they were paid by the insurance company. It should not take 4 months to send us our money. They did not have to take it from the dealership since the money was not theirs to begin with, the dealership sold us the insurance, but for some reason the wells Fargo Bank took it saying they would pay us. Can you please help us get our money back. I know I could not b e 4 months behind if I owed them money now could I. Thank you for your 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