BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bank of the West performed a double withdrawal from my daughters account for a car loan which I am the primary loan holder and she is the comaker but it is her car in XXXX of XXXX. When she requested that the excess be returned they stated that it would take a minimum of 2 weeks to process. Since my daughter could not wait that long to get her money back she performed a stop payment of the XX/XX/XXXX payment, and then repaid the payment using a different account. My daughter was not able to use her bank account to make payments any more. My credit started to suffer this year and I began to receive higher interest rates and poor credit scores. I was not aware as the reason why. 
It came to light in XX/XX/XXXX that Bank of the West was reporting that a payment for XX/XX/XXXX was never made. However, proof was faxed, then refaxed and emailed that this was not the case, and the payment was up to date. Allowing 5 or more business days each time to allow for them to examine and correct. Both my daughter and myself continued to get the run around of them not receiving the information and that is why we had to keep submitting the documents in various forms. The last conversation it was stated that we received a check refund on XX/XX/XXXX and that is why we continue to be behind a payment ; however, we never received a check. They also could not provide a copy of the check or a cancelled deposit check. We need your help to resolve this as it has seriously hurt our credit and Bank of the West has been so difficult to deal with.

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 2021-04-12
Company: EQUIFAX, 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 information incorrect

Complaint:
MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 XXXX XXXX IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery Associates reported a debt to my credit report that I do not owe. This could be a result of Identity fraud because I have discovered other fraudulent accounts on my credit report and is working with the credit bureaus to get this issue rectified. I have disputed this debt with the collection agency and have had the credit bureaus sent Portfolio Recovery Associates my police report and FTC but the debt still remains on my credit report. Debt is listed as {$7500.00} and I am not sure if portfolio recovery is the original creditor of the debt. I need this account to be removed from my credit report and for the bills and phone calls to stop because this account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: OH
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 AM NEVER LATE ON THIS ACCOUNT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  Insurance {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX XXXX  this is paid. {$430.00} listed in credit report this 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 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

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 explanation
Consumer complaint received 2021-01-22
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reported this problem to the company on XX/XX/XXXX and again in this email on XX/XX/XXXX : Hello, I had a very troubling conversation with one of your employees that I have outlined below. He was trying to steal thousands of dollars from me and my wife. I assume that you can review the recording. What are your thoughts? 
Thank you -- -- -- -- -- Forwarded message -- -- -- -- - Date : Thu, XX/XX/XXXX at XXXX XXXX  Subject : Re : Caliber Home Loans Refinance To : XXXX XXXX XXXX  Ms., Thanks for your email. I believe the conversation that I had with your associate and the information I received may fall under the umbrella of predatory lending. At very least it is definitely unscrupulous and immoral. I suppose I should turn this over to the Attorney General or some other governing body to see what they think. 

Your representative quoted me 3.25 %, which is the going rate, plus {$1500.00} in closing costs, also about the going rate. He also wanted to sneak in an astonishing 3.5 discount points, hoping perhaps that I would not notice or understand. He assured me it was fine because it could come out of the equity and not cash I had to bring to the closing. I asked him for the resulting APR and he said he could not provide it. He went on to say he could potentially do better on the points but it would not be reflected in the paperwork. He tried to sell me a loan at an unbelievably high price that would have been far worse for me than what I already have. He was evasive and dishonest. 

My local bank confirmed a refi should be at 3.25 % with closing costs between $ XXXX {$2000.00} with 0 points. 

I could not be more disappointed in Caliber Home Loans. 

Is there a governing body or supervisor that you can please refer me to? 



On XX/XX/XXXX the company responded : The Customer Resolution Department at Caliber Home Loans , Inc. ( Caliber ) received your recent inquiry regarding a loan application in which you feel may fall under the umbrella of predatory lending. Caliber is dedicated to ensuring that our customers have a positive experience throughout the loan process. 

On XXXX I replied : Thank you for your email. Have you completed your review and research? 

The company did not reply The company sent me follow up applications documents dated for XX/XX/XXXX. That might be the date that I first spoke to them about the refinance. The loan documents did include the 3.5 discount points that were proposed during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a debt validation to the creditor Santander Consumer USA to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called XXXX XXXX XXXX. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a Debt validation letter to PRA LLC on XX/XX/XXXX. They didnt VALIDATE ANY DEBT INSTEAD THEY SENT A DEBT VERIFICATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). 

XXXX XXXX XXXX Amsher Collection services is in violation according to the XXXX XXXX for comprising my information. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions  to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as 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 2021-10-04
Company: NCB Management Services Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a response back from NCB management today XX/XX/2021 stating they had mailed verification documents to my current address on XX/XX/2021. I also called NCB and spoke to a supervisor, XXXX, who verified the address they had on file as well. It has been 13 days. The supervisor stated its regular mail but it doesnt take 13 days to receive mail. I believe this company is not able to verify debt or proper resell documents. If you are, please send certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

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 2018-04-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened an account with XXXX XXXX XXXX inXX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX. The account was sold to multiple collection agencies but was settled and paid inXX/XX/XXXX XXXX XXXX XXXX has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

XXXX  - reflecting 90 days late payments inXX/XX/XXXX and XX/XX/XXXX.

EXPERIAN - reflecting 90 days late payments in XX/XX/XXXXandXX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect 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 non-monetary relief
Consumer complaint received 2018-02-28
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Approximately on or near the XX/XX/XXXXXXXX after attempting to retrieve funds from my saving 's which is transfered from my Direct Deposit Checking Acct. by a payee each week to my saving 's acct. for which I am Dependant upon to receive monies for my personal needs I found My account had been Shut Down without Informing Me of such Changes which caused me to not be able to put gas in my Vehicle and it was after bank hours @ an ATM and I'm XXXX and I am unable to walk but for short distance 's at any given time and by me not being properly Informed of the closure that led to my pain & suffering by walking and making my way to a phone to get assistance it cause me a Major in crease in my other health issues as the weather was quite severely cold ended in my going to a hospital later that evening and 2 other visit 's as a result when my car ran out of Gas and for reason 's I later was informed had to do with a joke I had made while making arrangement 's for a direct payment for a credit card drawn from another bank they seemed unable to make arrangements to assist me with that should not have been a problem.. Also you may note I had a US Bank XXXX XXXX card with them and I had unauthorized charge 's made to it and had to replace the Card and when I needed to use it, I went to activate my new card I was informed much to my surprise as the service rep. said I had closed my XXXX Acct also. and I had not and again was Dependant on it's use of funds.. That were once Again not available to me by the said act 's of bank employee 's as a form of Harassment to Further the Harm to myself by their malicious action 's and personal Attach on me done willfully and with Full Intent quite Knownly for me now to tell the Joke and why I had said it ( I handed a unused XXXX to the teller and said " Have a Nice Day XXXX Someone.. Like you are doing to me! '' and as they took it from my hand I said " It's a Prop but if you'd like I Can fill that for you while I'm at it.. then at least we both could be Happy '' and Smiled and walk out of the bank with my Friend XXXX who heard and witnessed all the event 's I have mentioned and came out of pocket for the last Meal I was purchasing with my unactivated XX/XX/XXXX that I was denied to Validate on XX/XX/2018 with an available Balance of over {$750.00} I had to leave my New Cell Phone to cover the remaining {$10.00} owed needless to say I'm a XX/XX/XXXXand a Public Figure and it was quite embarrassing and the stress it caused was putting my life at Risk for how upsetting it was too me.. Very Uncalled for and I will be bringing Civil Charge 's also in this Matter if Criminal Charge 's are Not Filed here or Resolved to my Satisfaction.. for their misuse of Power

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 2023-06-08
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 hard inquiries I have already disputed more than once with XXXX in writing for XXXX/XXXX that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to XXXX/XXXX and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX   on XX/XX/XXXX and have also disputed more than once directly to them. 

I have 2 hard inquiries reporting to XXXX that I also never authorized from Kohls/XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with Kohls and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report No XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Atlanticus Services Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fortiva is refusing to make the payment and pull bank funds for payment from my bank account within the promised 24 HOUR period that Fortiva promised they will use to pull the payment. Instead they refuse to process the payment within the promised time you 24 hours and wait 5 day which looks like fraud to the bank and it causes the bank to tell them no. They wait till XXXX on Sunday to pull the funds when they were supposed to pull the funds out on a Wednesday. The bank sees this as fraud and refuses to pay them so then they keep blocking my payments. They are waiting intentionally for a late process so it will be declined by the bank. They are denying me my rights. This is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation