BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: MD
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:
this is reporting incorrectly my account. should be remove. XXXX XXXX XXXX does not belong to me XXXX/XXXX XXXX XXXX   Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX, XXXX Amount {$0.00} {$28000.00} XXXX XXXX XXXX Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type RevolvingBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00} XXXX XXXX 'S XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$65000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this debt on my consumer report I asked them to provide me the original certificate of indebtedness and they ignored that and my dispute i disputed this to XXXX and said I was never given the original Contract this is a third party collector thats against the terms

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm a single working mother of XXXX young school age children from XXXX XXXX  and I need help! 

I financed a XXXX XXXX XXXX from a car dealership in XXXX XXXX I financed this car in XXXX. The payment were {$500.00} per month for 72 months. 

I traded in a car XXXX XXXX XXXX XXXX and {$9000.00} was applied towards the purchase and had I still to come out of pocket $ XXXX was making my payments for 3 month, I got behind one payment ( XXXX month ) they following month I made 2 payments in the amount {$1000.00} to try to get caught up on my payments. 

I made my payments through Credit Acceptance and the payment were accepted. However, I was current on my payment after paying the 2 payments totaling {$1000.00} and my car was repossessed with all of my belonging inside. 

I was informed by the car dealership that I would have to pay {$800.00} to the dealer, pay {$250.00} to the towing company and {$75.00} for my personal property before they would give my my car back. I did not have this extra money to pay because I has already given them {$1000.00} and the next day they repossessed my car. 

The company has since gone out of business and/changed names. This company has place this debt on my credit report and ruined my credit. I believe the new name of this dealership is XXXX. Please, Please Please Help me or direct me to who can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: MT
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My car company US Auto Sales breached my contract after my car was payed off, now I have another debit collector acting as if Im behind on payments for a car thats paid off and I still havent received my title.

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 2022-12-31
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I in the beginning of the Covid pandemic applied for a forbearance and was approved because of the cares act and was then later presented with a modification in which I thought was going to provide me with being able to put the payments missed during the forbearance at the end of the loan by extending the mortgage end date. On XX/XX/2021 I signed and had notarized and then sent the documents back to Loan Care LLC. I then received a copy back from loan care LLC dated XXXX XXXX, almost 6 months later, notarized by Loan Cares Notary saying that enclosed is a copy of your executed document. Please retain this copy for your records. We are pleased to have been able to work with you on this matter. I then received another copy dated XXXX XXXX of the same thing. I then make 5 payments of the agreed {$700.00} payment. And then receive another package that looked just like the package I signed in XXXX of XXXX. I then call Loan Care LLC to figure out why I received another package and I received several different vague answers from multiple agents at loan care. I spoke to supervisors in their leadership department that told me it all looked good and Payments were made as agreed to and there notes said that no further action is needed from me but they would email the underwriting department to see whats going on and that they would call me back. This happens approximately 10 different times and all 10 times never received a response back. I then start receiving letters from loan care LLC saying my house may go to foreclosure soon and I should call to settle this matter in which I did. Every time I called on this matter to see what was happening the agents told me that things were in process with loan care LLC and not to worry that it was just crossed in the mail and I need not to worry. 
I then receive a letter from an attorney both by regular mail and certified saying that I am in foreclosure and I had 30 days to contest. I immediately call loan care LLC and they said its because I didnt respond to the second document package that they themselves told me not to worry about and they would work this out and call me back which they never did. After 2 weeks of stressful worrying and calling them back almost everyday during that period was finally able to get the foreclosure suspended pending review. I then with no calls from them ever was sent a package regular mail that extended my mortgage by 20 for years so a total of 40 years at double the interest rate and {$220.00} more a month even though I was 10 year into a 30 year mortgage making me only have 20  years left. I call them back after the XXXX holiday and they tell me Im past my date of approval to put the remaining payments at the end and I wouldnt be if they didnt mess up the original paper work. Please help me!

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: BANK OF THE WEST
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of the West sent me the offer and promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to the upper level but till today XX/XX/2023 I didnt receive this money. 
I called the fraud department of the bank where the representative told me that they have a limit of one complaint for a household and didn't take my complaint for not giving me {$200.00} reward for using their credit card as they advertised. This is false advertising and I believe that they ( Bank of the West ) stole my money. 
Me and my husband we are two different persons and used two different credit cards that is why I believe we can open a class action against the fraudulent advertising and for not giving us awarded money. 
I received the email with a confirmation of successfully completed the requirements for receiving {$200.00} for my account. But never received this money.

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 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Bank of America opened an account on XX/XX/2022 in my name and social security number, but it wasn't me, called to close account and it's still open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: KEYCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX - Please refer to this previous Keybank complaint and response. 

Keybank instructed us to file a dispute of transaction from XXXX to Keybank to get the funds that Keybank has kept from us which is {$3000.00}. XXXX XXXX  has reached out to Keybank to get the fund back as instructed by Keybank, but Keybank refused to release the fund to the original sender. Please let us know how we can get our money back from Keybank, or how we can escalate this issue to get our money back from Keybank. 

Attached is the previous letter of response from Keybank from the last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Please open attachment. American Express has violated my federal rights Pursuant to 15 usc 1602 ( p ) and 1602 ( n ). They have not responded to my communication or have done what Ive demanded of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, we started working with Bank of The West to refinance our Mortgage. This process took a long time till beginning of XX/XX/XXXX. After their calculations, they said we needed to pay off some of our credit cards and return one of our leased cars. we returned one of our leased cars and paid off some of our credit cards,. Later, the agent said if we take {$30.00} out of our 401K, we should be qualified. We took out the amount requested from our 401K. We had some cash in the bank, she said if we sell {$16000.00} from our stock, we will be 100 % qualified. My husband was very frustrated and he didn't want to work with them but I asked the agent if this is the last thing they want from us. I told her that we are tired of this situation and we want an honest answer. If we will not be qualified, we don't want to sell our stock but the agent confirmed that this is the last thing and she even offered us a conference call with her manager. Unfortunately, we believed her and we didn't have this conference call. We sold our stock, waited for a few week without any updates. My husband called the agent for some updates. She said we can't pay the property tax with the cash we have in the bank. We informed her that we already paid the tax. She said she will inform her manager. Later, she didn't return our calls and texts. we went to the bank and found out that our request has been denied. They were not responsive to our emails, not only the loan officer but also others such as the underwriter. When I asked the underwriter why he sent us an old document ( with numbers that they had changed themselves ) to sign, he never responded. 
We want to complain from Bank of The West because they weren't honest with us. If they were not expecting our loan to be qualified, they should have told us from the beginning. We took out of our 401K, sold our stock for nothing. We didn't need all that and now we have to pay a lot taxes for their mistake. They shouldn't be allowed to play with people 's life. 
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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have wrote XXXX XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted Capitol one to let them know I was going to have a difficult time keeping my 3 credit cards current with them. They assured me it would not be a problem and that due to Covid, they would not put any " late '' penalties on my account. They also indicated that this would not alter my credit. Well fast forward from XXXX to now and I am completely caught up with all of the credit cards and have a significant of credit available. However, my score has not improved. Come to find out they were dinging my credit score with 30x, 60x, 90x and even one 120 day late. I called them and they basically told me to pound sand. Given the pandemic, do I have recourse to get them to erase those lates? I am not looking for any break in fees or the amount due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate Information on my credit report, 15 U.S CODE 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. The CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved 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