BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
between  XXXX   XXXX     2017  and  XXXX   XXXX   2017   Westlake Financial took  out 2 paym ents from my bank instead of the agreed u pon one    payment o f  XXXX  in doing so it overdrafted my account by  XXXX  they quickly reversed  one p ayment of  XXXX  as of  XXXX   XXXX     2017  my account 's principal balance was  XXXX  AFTER the  XXXX  was processed and the returned  XXXX  was removed from the account balance.prior to the  XXXX  being returned the principal balance was  XXXX  It is my understanding my principal balance does not go up unless there is a late fee. I have never been late on payments. They even tell me I have a 10 day grace period for if I were late.     Now this month PRIOR to making another  XXXX  payment my principal balance is  XXXX  and everyone I spoke to a t Westlake Financial ha s stated it increased because of the refunded  XXXX  but that is not true. the balance is seve ral hundred d ollars higher than it should be. why did my principal balanc e go up  XXXX .It  should have remained at the  XXXX  as only  one payment was refunded. they say there was an NFS fee from my bank but this is only true because of their error in processing 2 payments.      It should be noted that my loan payment is  XXXX  a month but I always pay  XXXX  I want the balance to  b e upg raded to reflect the proper amount as I feel I have not been given credit for the first month payment I made to this. It is also worth noting I p aid 14 o r 15 months on this loan to  XXXX   XXXX  PRIOR to  Westlake p urchasing this loan. While at  XXXX  I was never late and have perfect reporting marks from  XXXX  on my credit report.     Please entic e Westlake to correct my  loan balance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: FL
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 traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TheaccountIamdisputingwassenttoTransworldSystemsInc.bymistake, accordingto XXXX ( XXXX ) .Ihavebeenmaking $ XXXXpaymentsonthe accountmonthlyanditispaidoff.OnXXXX/17, myaccountwasdisputedbybothmyself and XXXX ( XXXX ) .IspokewithsomeonefromTransworld Systems Inc.thatday.AndIspokewithXXXXfromXXXX ( XXXX ), the  headofthebillingdepartment, whotoldmeshewillhavetheaccountremovedfromyour agencyimmediatelysinceitwassentbymistake.Wearestillreceivingharassingletters and phonecallsfromthiscollectionagency, despitethefactthatitwassenttherebymistake, thatit wasdisputedbymeandthecompany, andthatitwaspaidoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was locked out of my account from rocket mortgage and not allowed to make any more monthly payments even though i was not in foreclosure. 
I called them several times and tried to get them to be honest and coordinate with the XXXX XXXX XXXX XXXX so that they could get my mortgage caught up. 
I was ready to resume my monthly payments, however, I could not I was informed by Rocket Mortgage Customer Service Personal that in order for me to begin my monthly payments again I would have to pay the balance of {$5500.00} in a wire transfer. 
I had a insurance payment that I used to do the wire transfer and resume my monthly payments however, by doing this and by me making the transfer the Mortgage company told me I had to make made me ineligible for the XXXX XXXX XXXXXXXX XXXX and now I am out of work again through no fault of my own AND my insurance company wants to do an inspection of the property. I am really at a complete loss. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
3 years ago I had a charge off on my XXXX XXXX have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am XXXX.I 'm XXXX XXXX XXXX and this is a death sentence to me... I can't get XXXX or XXXX to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
WELLS FARGO ( the   XXXX   that they are ) outsourced their collection to initiate foreclosure on a reverse mortgage while working with the deceased sibling knowing that the legal process to become a personal representative of the deceased had been initiated. The outsourcing to an attorney in  XXXX  Arizona created a {$2200.00} increase added to the payoff.  Had Wells Fargo gr anted an extension requested by the sibling and waited the allotted period after the death of their client, the sibling would not have incurred the additional fee s. Wells Fargo is no one 's friend and does n't care what circumstances arise. If any one person does n't adhere strictly to their dictatorship, Wells Fargo will kill you off slowly with their   XXXX   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 2022-09-09
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: Personal information incorrect

Complaint:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2017-06-19
Company: VW Credit
State: FL
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 traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to VW credit. In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and VW Credit continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time. VW Credit is intentionally attempting to damage my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts, unde r Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank 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 2017-06-19
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Knowledge of the final debt from the Apartment complex was received through a credit monitoring vendor. I never received written communication from the apartment management company stating this was the final debt. In addition, this file was provide d to BLAKELY-WITT & ASSOC INC i n  XXXX   2017  and I received NO notification and opportunity to dispute or validate this debt. As a matter of fact, I have yet to receive a written statement or written notice. The entry in my credit report should be removed and the process should start again. I will dispute the charges from the original creditor  XXXX  of  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Veros Credit, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I put an item for sale on XXXX XXXX. An interested buyer made a plan to pick it up and wanted to prepay using Zelle. He sent me {$550.00} to pay for the item. I got an email confirming payment but did not see it in Zelle and noticed that my debit card was not up to date and was incorrect. I had only used Zelle once before so I updated the card thinking it would then go through. The email said I needed the buyer to add an extra {$500.00} to verify my account and to then follow instructions to pay the {$500.00} back. I was so uncomfortable having an extra {$500.00} and he was pushing me saying there was a time limit that I followed the instructions. I then realized there was not a payment to me in Zelle at all because I received another email from Zelle and noticed the slight difference between the email senders, on being Zelle online and the other just Zelle. I called Zelle and they do not offer any protection but reported the scam. I called my bank and I cant dispute it because I authorized it. Both places said there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
my wife is XXXX on XXXX have XXXX problems and is taking XXXX meds when a friend took her to title max for we were having some financial problems thaey gave a title loan on the car that she use to take her to the doctor.This was XX/XX/XXXX. refinance The loan was for for XXXX XXXX she kept paying the high interest 607.00 0ne time she paid XXXX then another time she paid XXXX now they told her onXX/XX/XXXX that she was in default of {$4400.00}. she was paying the interest and more every month. They even had her income as XXXX which she never told them that she only receive XXXX on XXXX and XXXX XXXX sometimes XXXX. what is going on this is a ripoff and also they took advantage of a XXXX person. She had already paidt them over {$6000.00} please help as soon as possible thanks.its titlemas XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX.phone XXXX fax XXXX. I was her Payee they  should have never given her a loan without my consent. she is not stable when she do n't take her meds and her friends tempt her she had a XXXX XXXX in XX/XX/XXXX and she had XXXX XXXX in XX/XX/XXXX after that that she was placed on XXXX  medications for XXXX XXXX where she have to tale a lot of medications. she had been going there giving them the payments without even reading stuff and just doing what they told her to do. she said they have a screen that have the things on it and they tell her to touch certain things and that how they do then they takethe money she give them it be over the interest sometimes what happen to that money. why is the loan more than she owed it went down and now it sent back up even after they already got over 6000.00 some one please help or attorneys will be involved. we also want o help others so they do n't fall into this same trap and get ripped off they need to close down these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Pendrick Capital Partners Holding, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On   XXXX   XXXX  , 2017, I received two letters in the mail from a debt collection called AFFILIATED ASSET SOLUTIONS, LLC about a medial debt was paid in full. In the letter sent from Affiliate it states that the current creditor is Pendrick Capital Partners. I have never had any debt with the said Creditor past or previous.. Also, the letter states that the original creditor is   XXXX   XXXX   XXXX   XXXX   .. I am sending documentation from the   XXXX   XXXX   XXXX   that I was mailed from there home office in  XXXX , TX which shows a  XXXX  dollar balance for the alleged debt. Also, I have checked the MS Secretary of State and Pendrick Capital Partners are do not hold a license to collect on any debt in the State of MS . I have included the original copies of the letters sent from the alleged collector which clearly the information listed in the letter ids a violation of my HIPPA rights.. My name, date of service, and where I had serves rendered were included on the letter which this information could have gotten into the wrong hands of a consumer which could have lead to id theft from my personal information being included in a debt collection agency.. I have never had any services from the company or the affiliated asset solutions llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent my documentation to Transunion and they are telling my information is " Verified '' but they have not provided any proof by way of documentation to show this my actual debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the XXXX XXXXXXXX for a lady whos house burned down. Faye servicing refuses to release the insurance funds to start construction even though all required paperwork has been turned in. They have delayed the construction schedule over 2 months and are holding onto the funds causing higher additional living expenses and delaying construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: ACS Education Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The loan opained has reported last payment and have been sent to another company which shows current but the old account still shows deliquescent and the account is no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: VA
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:
*Repeated Reporting of late Payments* ( Closed inactive accounts ) XXXX XXXX  account closed XXXX XXXX  account Closed in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 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 2020-06-22
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I purchased a course from an individual name XXXX XXXX XXXX. He took my credit card information and gave it to some guy name XXXX that was at the 7 day course meet up. Then my card was charge by XXXX and XXXX to XXXX XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My cash app not receiving balance on time as needed

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 2017-06-18
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: Account status incorrect

Complaint:
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ; Experian,   XXXX   XXXX   XXXX  . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.

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