BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2016, I was involved in a car accident, which totaled out the vehicle. That same week, I contacted West-lake Financial, and submitted a claim to them to let them know what happened. My Insurance was handling the claim to pay out the value of the vehicle, and because I was paying for Gap Coverage, they would handle the rest. West-Lake financial picked up the Vehicle before my Insurance Company could send them the payment for the value of the car. This was also labeled as an Repo on my credit report, which in fact it was not.

I have been on the phone with West lake several times, with no cooperation what so ever. My insurance company claimed that, because they picked up the car, they were supposed to contact them for payment of the value of the vehicle, and they did not.This is severely impacting my credit report, and i just need for this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: EQUIFAX, INC.
State: CA
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 would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
Company: EQUIFAX, INC.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was in dispute with original creditor earlyXX/XX/2018. 

Collection company called XXXX XXXX XXXX attempted to collect in XX/XX/2018. XXXX XXXX XXXX failed to verify the debt and they were also notified it was in dispute. They were unable to validate or verify. Transfer or reassignment consent was not given and they were demanded to validate and verify. 

The Debt was reassigned to Merchants Adjustment Service. We have since requested and demanded validation and verification or the alleged bill. 

Complaint is about the transfer or reassignment of the collection attempt with another company. My understanding is that this is illegal under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a summons from XXXX XXXX on XX/XX/23 without prior warning that they would take legal action. I have not been able to contact their office with the phone numbers provided in their correspondence. The call gets dropped whenever I attempt to call them. Im able to get through but the call always gets disconnected after selecting the option to continue in English. 
My phone number is incorrect on their website and the only way to update is by phone. 
I tried calling them on XX/XX/23 and submitted a call back request with a good number on their website. I attempted to call again on XXXX, XXXX, and XXXX. I also submitted call back requests on XXXX, XXXX and XXXX on their website. 
On XX/XX/23 at XXXX XXXX I went to their physical office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX but no one appeared to be in the office as the lights were off. There was a notice on the door with the same number ( XXXX ) the calls were disconnected from. 
I only have 20 days to respond to this summons but I am unable to contact them to discuss my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX consumer enrolled with XXXX XXXX XXXX sponsored by XXXX for payday loan debt assistance through a negotiation process for consumer for 15 months ( shorter or longer ). Consumer completed a DocuSign document, enrolled in the program and began making the necessary payments of {$180.00} by debit every two weeks towards these and other debts. These debts included XXXX XXXX, medical debts, etc. However, one year after making payments, consumer began to feel uncomfortable and noticed that monies that were to be used towards paying down the debts were being applied towards a " Financial Success Kit and Identity protection plan ''. Consumer requested this to stop and then double-checked account payments. XXXX assured consumer that most of these debts had been settled -- including XXXX XXXX. Consumer verified this as well. Consumer did not receive any further calls or mail notifications from these companies and assumed that the debts had been paid. 
XX/XX/XXXX -- Consumer viewed credit report and discovered that National Credit Adjusters has bought the " XXXX XXXX debt '' and placed it on my credit report in the amount of {$1800.00} and updated it to be ongoing beginning XX/XX/XXXX. This debt is from XXXX. The amount of the debt is inaccurate and has been placed on my credit TWICE. National Credit Adjusters is not the originator of the contractual debt. Debt has been paid according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
We have a customer by the name of XXXX XXXX XXXX who refinanced with us back in XXXX. We sent the Power of Attorney forms to Bridgecrest along with the payment of {$28000.00} for the XXXX XXXX XXXX he financed with us. Everything has been finalized and it has been now 3 months and Bridgecrest is trying to hold the title back from us and even tried to send us our money back after they already cashed it to force Mr. XXXX to stay with them to take the car back. This is not attainable for the simple fact that he has his loan tied into one of our client 's, Bridgecrest is now legally obligated to send us the title regardless of what matters they have with Mr. XXXX  or contract. They have been sent payment for the car and once accepted even if they send us a check, that is on them to give us the title for the vehicle. The vehicle VIN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company is calling my employer telling the secretary that I have a debt and they have a warrent for my arrest.  They have also told her they will be serving me at my employment.  I spoke to them and requested they cease to contact me at my employment and if they would like any communications with me they can do so via mail.  They start to yell at me that I am not paying the debt, they are going to serve me today, that the debt owed is XXXX but I now owe over XXXX in fees.  They tell me they going to continue to call me until they get they money.  They hang up the phone on me as well.  I started to receive these phone calls after Capital One's breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I signed a purchase agreement for a home. There was initially a projected closing date of XXXX. The loan company PNC continues to delay the loan and asks for an extraordinary amount of documentation about the home. The lender PNC received the appraisal from the Appraisal company but said it was not complete. They refuse to disclose what is missing and lied about when the information was exhanged. I want this loan closed but am wondering if theybare delaying because I am a minority or because this is a rural area.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Experian Information Services has violated my rights.

15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, On XX/XX/2022 I called Experian to dispute personal information on my credit report. I disputed incorrect names, addresses and credit inquiries. The name XXXX XXXX I specifically disputed this name as this is a family member and I do not want her information merging with my credit report. Im requesting a Experian Dispute Specialist listen to the call to confirm that I did in fact request for this item to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations XXXX advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from 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 2020-10-28
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: Investigation took more than 30 days

Complaint:
I filed a complaint for Transunion to verify some that were of question on my credit report. They continue to report information in my report without verification method being reveal, further more the items that were listed in my complaint, back in XXXX has items that were listed as an Identy theft issue was pulled off the report in XXXX and then reappeared XXXX XXXX. This is unacceptable as I wrote a letter stating my concerns and they did not respond. I know that if a reporting company has to reinsert a item back on the report, they need to contact the consumer within five business days before doing so. They did not practice the FCRA Law and it is creating many issues for me. I had to hire a Attorney, because the company act as if I have no rights to question the valdility of information on my report when FCRA laws clearly state that I can.

I ask for all this information to prove that the account belongs to me and they have not provided it to me and they are still reporting the damaging information. One being a XXXX  XXXX XXXX Account. NO INFORMATION ABOUT THE ACCOUNT AND ITS VALIDITY AND IT BEEN 2 MONTHS.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CXXXX XXXX XXXX  ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2020-12-09
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started the Refi process 3 months ago - was promised to close well before this - and the company has no intention to close. Paid {$500.00} upfront for them to process the application and in the meantime I haven't been able to refinance, incurring current charges with my mortgage company that could have been avoided had AmeriSave closed the refi on time. My employment status has remained the same since I started this application, however, AmeriSave realized that during the year - before my application started - I went from being salary-based to commission-based and now request documentation that does not exist. They made a mistake during their process and now want me to be accountable for something they should resolve. My credit is pristine, my income is high, and I have sufficient funds in my bank account. This company has no interest in refinancing, they are only interested in collecting the {$500.00} and dragging my feet until I tell them to keep the {$500.00} and forget about the refi. Very poor communication and predisposition from the processor and the officer. Worst consumer practices I have seen. Stay away!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
original finance comany - ocwen. loan sold to phh in XXXX XXXX see customer account activity statement -- XX/XX/XXXX payoff. escrow balance of {$1300.00}. XXXX  out. where did my escrow money go? XXXX  out on that statement. my first escrow shortage was in the first 6 months with phh. shortage of {$980.00} in 6 months. i didn't pay close attention. saw my increase in payment as is the usual with mortgages. second escrow shortage is {$2400.00}. HOW DOES THIS HAPPEN??? i began researching my statements. the remedy for the first shortage was " the monthly shortage for the next 36 months is {$27.00} and will automatically be added to your monthly payment beginning XX/XX/XXXX. '' now the second shortage remedy is " The monthly shortage for the next 48 months is {$50.00} and will be automatically added to your monthly payment beginning XX/XX/XXXX. '' HOW WILL THIS EVER GET PAID?? Escrow is structured by taking the total of the insurances and taxes and dividing by 12 months in the year. this is setting me up to lose my HOUSE. i have had this account for 18 months and THESE ARE PREDATORY PRACTICES. HELP!!! MY PAYMENTS ARE HIGHER THAN EVER AND YET THE ESCROW DOESN'T COVER THE INSURANCES OR THE TAXES!!! SOMETHING IS WRONG!! My former company Ocwen was difficult when they owed me escrow back but they always trued up at the end of the annual term. in 18 months they have me in debt - not my doing. HOW CAN THEY STRUCTURE MY ESCROW THIS WAY?? IF I CAN'T PAY IT AND IT KEEPS GOING I WILL LOSE MY HOUSE. PHH WILL OWN MY HOUSE BASED ON THESE PRACTICES. THIS IS CRIMINAL. Especially in a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit acceptance corporation was notified by myself about a voluntary repossesion on a vehicle that my husband had and he was not paying on. I told them where the vehicle was and where to pick it up at. Credit acceptance continues to call me numerous times all throughout the day asking me to pay the remaining balance on the vehicle to keep it. I again explained to them that I had already previously called them and wanted them to repossess it. I explained once they get the vehicle and auction it off then we can discuss settling whatever balance is owed. Credit acceptance has continued to call every day and even called today XXXX XX/XX/21 XXXX on a Sunday, which is considered a XXXX  holiday for 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 2023-05-02
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ {$5300.00} I called the agency and explained I wasnt the owner of the vehicle in state of California. Vehicle Code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, 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:
XXXX of 2017 there was a fraudulent activity on my account through XXXX XXXX in New York. I live in Idaho. There was a hard inquiry at a XXXX store. I called XXXX and had it noted as fraud and they sent me a letter and i copied that letter and sent it to Equifax. I followed up by phone and was told it was handled. In XXXX it was still on my account so I called Equifax who said XXXX didn't send the change. I got them BOTH ob the phone ( Equifax wont talk to them to resolve the issue directly btw ) XXXX resent the info as per Equifax request. As of XXXX it still wasnt fixed. I got them both on the phone again. Equifax says they have now received the info but it will take XXXX days to reflect on the report. It is still over 30 days and no change. I am not going to wait 90 days just to find out its screwed up again and start over. I have been waiting on purchases to not have a higher interest rate for over 6 months. Equifax has lied and pass the buck on an error that it there fault 3 times now. This is a keyboard stroke on their end to restore my great credit. XXXX literally has no more steps they can take or additional info they can provide as I have never been a XXXX customer. Equifax needs to be reviewed as a company as It is only possible to speak to call centers and not decision makers or people who can update changes. Please help with this ASAP. I have had no help from Equifax. I feel like I am being help prisoner as a problem that was verified not me I am STILL being penalized for.

Company response to consumer: Closed with explanation