BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Westlake Services, LLC
State: CA
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:
An affidavit of Billing Error Notice was mailed to Westlake Financial but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( XXXX XXXX XXXX  v XXXX, XXXX P XXXX XXXX ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.

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 2018-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Creditor XXXX XXXX XXXX & XXXX XXXX had damage my credit and falsely report information to my credit agencies of late payments and such ; knowing long time ago I was XXXX by the time I wasnt able to pay as they already have all proofs I sent them plus the proofs in other complaints I called them to let them know my situation and to freeze my account but they continue maliciously to charge fees and report to the credit agencies and for instance damage my credit then sold the account to XXXX XXXX. This account is too old and its statues of limitations has expired and is a corrupt account that has damage my credit without giving a though in my situation before and even though its amount is minor I wont pay it because I think they owe me more for false report and harrass and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX & TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance 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 2020-04-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Mortgage offered mortgage forbearance after our home flooded during Hurricane Harvey. They told us in XX/XX/XXXX that our forbearance would be extended until XX/XX/XXXX. We called back to confirm multiple times, and they confirmed multiple times. We planned our finances to be able to come current on our mortgage by XX/XX/XXXX. Then on XX/XX/XXXX, they called us to say that our forbearance would end XX/XX/XXXX. We asked about the XXXX date and they said it wasn't in their notes and that our relationship manager had changed so they have no record of what the prior relationship manager had told us. So we have less than 3 weeks ' notice to come up with over {$12000.00} or foreclosure protection and credit protection end, and they will not let us come current after that date because they limit the payments we can make after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
I went to XXXX XXXX XXXX in XXXX XXXX in Michigan. This was my first time financing a car and they made me comfortable only for me to realize they took advantage of me later on. They didnt give me a lot do options to choose from, then pressured me into getting the expedition. I got approved for {$260.00} a month, {$500.00} down on an XXXX expedition on XX/XX/XXXX through credit acceptance. All my paper work showed that i will owe about XXXX and they told me after 6 months i will be able to get a better car. On my credit acceptance account it had showed I owed almost or even more than XXXX. On XX/XX/XXXX my car started to show signs of it about to break down. The engine light came on and it never drove the same. Mechanics told me I didnt even have a water pump. They told me my vehicle was horrible and shouldve never got it. I called the car sales and told them repairs were {$1000.00} plus and they did nothing. Credit acceptance never answered the phone for me, only one time. That call they did not help me fix the problem at all so I have been stuck paying credit acceptance and now I am behind on payments on a car I cant even use. I have been out of a vehicle for months and I am only XXXX XXXX XXXX. My job cut my hours and Ubers are almost {$30.00} everyday to go to work. Nobody helps me and I am all alone. I need a new vehicle and I need credit acceptance off of my credit. I cant even save money to even try and better this situation because I have to spend it on rides to work. I went to multiple dealers trying to get help and they said i need cosigner due to credit acceptance loan. I have nobody to cosign for me at all I have asked everybody I know. Please help me with this situation with credit acceptance & please include XXXX XXXX XXXX for leading me into this horrible situation as well as credit acceptance. If you need my paperwork from XXXX, Im in the process of looking for 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 explanation
Consumer complaint received 2020-04-04
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:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX/XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX An XXXX  : Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX , XXXX : Inquiry from XX/XX/XXXX XXXX/XXXX  : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX/XXXX  : Inquiry from XX/XX/XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: SC
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2020-10-11
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Account information incorrect

Complaint:
In accordance with t

he Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. This information has has violated my rights under the FCRA. This has caused mental stress, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ). I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: PA
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:
The credit bureaus stated that my account was properly investigated ( XXXX XXXX XXXX Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
they didn't send me proof or they didn't try to fix the problem and removed it. I'm a victim of theft I have mailed them my information 6 times last year and I sent it off again. Nothing is 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY RESURGENT RECEIVABLES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXX the 3rd. 15 USC 1692 ( A ) ( 1 ) The term " XXXX '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MI
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 been trying to get my personal information on my credit report corrected since XX/XX/2022. The names, address are all incorrect. Can you please assist me. All help is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
My credit report is showing that I was 30 days late XX/XX/2018 with my Chase Auto account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that Chase reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. Chase is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to work with capital to find resolution to falsification of my residency and to correct their mistake but was not successful. 

My last attempt was today I spoke to supervisor and was advised nothing can be done. XX/XX/XXXX. 

I am asking fro phone records from capital one and their hired firm XXXX XXXX XXXX to proof that I was working in Texas and living in Minnesota. This false a statement and I want to challenge this they are claiming because of this statement they were able garnish my account for XXXX dollars however the firm knew I was in Texas I spoke XXXX ( XXXX XXXX XXXX ) numerous times and told him I was in Texas while his agency was not licensed in Texas I called capital prior to collection and still they proceeded with garnishment. 

I want capital one to follow the law and be brought justice for braking Texas collection laws : No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id. 

Also my attachment shows that court was aware of my address as of XX/XX/XXXX. 


My main complaint here is falsely stating my residence the only way I believe this could to cleared is to review those phone calls with capital one and XXXX XXXX  XXXX. Just falsification is scary and I fear that others could find themselves in the same problem when agency is asked to follow the law they should and accuse the consumer of lies so they can justify their false actions. I also ask for penalty to accessed because this is violation of fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Monday, XXXX XX/XX/2020, I applied for a US Bank Reserve Line of Credit. 
With the knowledge that my credit was reported with a XXXX balance, I hoped to get approved within a few days. However, the interactive voice system told me that I was denied credit, and a few days later, I got a letter explaining that the reason I was denied credit was because they were unable to verify my identity. 
I have spent a little over a year disputing with all three credit bureaus, as well as the previous creditors, to update my legal name on file.

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 2023-01-07
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We made a complaint in XX/XX/2022 about this company not honoring our loan modification after our mortgage was sold to them. They responded back and said they would honor it if we paid the past due amount of {$7700.00} by XX/XX/XXXX. This closed the complaint. They received over {$20000.00} on XX/XX/XXXX which brought our account current with almost {$14000.00} left over. Now they are saying because our account is current, they wont book the loan modification as they said in their written response to us and the CFPB.

Company response to consumer: Closed with explanation