BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XXXX I requested that the dealer XXXX XXXX XXXX XXXX  and the finance company ( Credit Acceptance Inc. to not bully me an coerced me into signing a contract because of my competency level at that time of date for purchase.I am being pressured by the dealer and finance company to stretch my budget by the salesman who has over promised and under delivered on the agreement .Still know remorse with this situation from XXXX to present date ( XXXX ), refuse to show me the purchase contract with the retail installment sales contract to cancel, the dealer can cancel the contract once notifies them in ten days of purchase, whichinfact I again on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX to present.Gouging and swindling my credit score by their greed and selfish desire to profit, wealth an power.Being unethical by showing the willingness to act dishonestly in the return for money and personal gain has caused errors to appear on my credit while an knowing that I was under extreme drastic measures as I had tolded them, trying to destroy my credit by their greed unethical business practice.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need immediate removal.

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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX of XXXX  I had received pre-approval letter from Capital One for their XXXX credit card. The letter also states that if I open a XXXX credit card account with them by XX/XX/2023, and spend {$500.00} on purchases within 3 months of opening the account, I will earn a {$200.00} one-time cash bonus. 
By XX/XX/2023 I had spent over {$500.00} on purchases and didn't receive the {$200.00} cash bonus that I was promised. I called capital one and spoke to a few different representatives from their rewards department regarding this matter but they all made up different excuses why I'm all the sudden not eligible for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an email alert from the XXXX website on XX/XX/XXXX. I checked the credit report website and saw an alert stating, " XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/XXXX. '' I have yet to receive a paper billing statement or an email informing me of a pending balance. The last message I received in my UAS connect account was on XX/XX/XXXX. I do remember calling UAS to inform them of my in-school status in XXXX, the representative said at the time that the loan would be put in active deferment when the federal database verified the change. 

I could not call the private loan lender immediately, but I called a few days later, in XXXX. I requested to confirm the deferment status of the student loan and the current contact information, including email and address. My address and email information was correct and current. The student loan was in repayment, despite being a full-time student since XX/XX/XXXX at XXXX XXXX XXXX The representative verified with the federal database and updated the status to an in-school deferment. I asked when the credit score would be reversed, and the representative said it would be at the end of XXXX. 

I revisited the credit report website on XX/XX/XXXX, and the credit score was not reversed. I emailed the private loan lender that day that I wanted to submit a complaint due to insufficient diligence on their part. I received correspondence from XXXX XXXX on XX/XX/XXXX, but he did not explain how to submit a complaint. He confirmed that the deferment status was active, and there was no balance due at the time. I replied on XX/XX/XXXX, to explain that I wanted to proceed with the complaint because I had never received a billing statement, and the lender 's negligence affected my credit score. The score did not reverse at the end of XXXX. The representatives I communicated with extended the dates when my credit score should have been reversed but did not explain the steps to submit a complaint. 

I persisted in submitting a complaint despite the evasiveness in the emails. I called on XX/XX/XXXX, and spoke with representatives that would not transfer my call to a supervisor to file the complaint. Again, the individuals were evasive and unprofessional. I became irate when the representative lied, including telling me I would be transferred and never hearing the hold message and music ; the representative, XXXX, also lied to me, saying she had to email her supervisor before transferring mehighly suspicious behavior. After speaking with XXXX, I sent an email the same day and explained the poor customer service I received during the calls and insisted on filing a complaint. I never received a reply after the XX/XX/XXXX email, and my credit score has not been reversed when I checked on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Resurgent Capital Services L.P.
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 XXXX Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to file a complaint against Marcus Savings for their unfair treatment and unreasonable fees. Between XX/XX/2022 and XX/XX/2022, I attempted to pay my rent on XXXX from my Marcus Savings account, only to discover that my account had been restricted without any prior notification or explanation. As a result, the payment bounced and I was charged {$75.00} in bounced check fees. 

I tried to contact Marcus Savings to understand why my account had been restricted, but I was unable to get any clear answers or assistance. This lack of transparency and customer service is unacceptable, and I feel that I have been unfairly penalized for something that was not my fault. 

I believe that Marcus Savings ' actions violate the terms and conditions of their banking agreement, as well as basic principles of fairness and customer service. I request that Marcus Savings reimburse me for the {$75.00} bounced check fee and take immediate steps to improve their customer service and transparency. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: SOUTHSTATE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Centerstate Bank Narrative My then wife and I bought a property in XXXX County, Florida and were both present at the closing. The bank chosen for the loan was CenterState Bank, now SouthState Bank. At the time I didnt know how corrupt their employees were.

CenterState Bank which is now SouthState Bank helped my ex-wife remove me from a property deed while married. A convicted felon, former Senior Vice President XXXX XXXX XXXX went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to make sure I was removed from the property deed after she delivered a substantial bribe to him. This took place on XX/XX/2010. 
On the Warranty Deed clearly it has her name : XXXX XXXX and _________ my name is missing. In Florida it is possible to remove a spouse from a deed and they would never know and if they divorce the spouse removed from the deed is a non-owner with no rights. A bank can use their power to request to remove a spouse from the deed at the Title Company. 

She made sure this was hidden from me and I did not find out until my divorce. This was no mistake, she did the same thing with another property 5 years before this. 
I am sure there will be some type of retribution or threat from this bank for reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I suspect fraudulent hard inquiries on my credit report and I need them DELETED. I did a thorough investigation and did not authorize these inquiries. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Auto XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance XXXX XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXXXXXX XXXX  ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) XX/XX/2022 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 2021-09-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX i created coinbase account, deposited money from bank account, and couple days later they just restricted my account and disabled withdrawals. Since then zero help from their support, to this day i can't withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America froze my accounts. I called in and asked what was happening and the first person I spoke to said there was a deposit in question theyd return it and my accounts would be back to normal. Then days went by and I received letters in the mail that they were closing my accounts. Then I received letters something about they may investigate my accounts and if they see anything like fraud I would not get my money. Year or two passed I still couldnt find anything out. Even after I received letters stating my accounts were closed and it wouldnt accept any transactions in or out. They still accepted direct deposit and XXXX payment. I contacted them every few months then after about a year they said they were done with their investigation, but I would have to contact the parties that deposited money into my accounts in order to get money that was in my account. Which is crazy since some of the deposits were XXXX payments from a year or XXXX prior which cant be reversed. Also direct deposits from Unemployment that were from prior year. I even contacted my unemployment and they said the bank institution should return the payment or payments in question and then unemployment would send them to me another way. Yet Bank of America is just holding any and all of money that was in my account even after they investigated and gave me NO ANSWERS! Its been several years now and Ive been trying to get my 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 2023-01-21
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received a letter or a verification of the debt. There is no information available.

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 2021-03-18
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: Personal information incorrect

Complaint:
I have repeatedly request Transunion to correct the inaccurate address on my credit file. 
I have sent the required paperwork with a response received that I need to provide proof of my identity and current address which I previously provided. 

The address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX IS A INACCURATE address associated with me. I have never been at this address and further more this indicates this is a apartment and this is a residence.

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 2021-09-30
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX and my dad passed away XX/XX/2018. He left behind a mortgage with ditech financial. My dad was current on his mortgage when he passed. I took over the mortgage and I fell behind and I called the company in XX/XX/2018 and requested help and a nice guy name XXXX assisted me. I later became behind again due to me having my own bills. My dad percentage rate is a 13 % and I was told to apply for a modification. I was told that I had to be living in the house hold. I told them that I wanted to assume the mortgage and they emailed me the forms along with all of the required documents. I provided a recorded Quit Claim and they stated that the type of loan he had. I could not use it until the property was in my name. I had waited for almost two months and they finally stated that no one opened the account and they apologized. the representative then stated that they would have the case escalated. I waited several weeks and received a letter stating my case was denied for failure to provide all documents. I was very furious because I had sent all documents and my case was overlooked and now they want me to reapply and provided all documents and they want to run my credit again and I don't think this is fair. I would like to get my payments current and have my interest rate lowered and I would like them to reopen the case. The deceased name is XXXX XXXX XXXX and the account number is XXXX and my number is XXXX. I look forward to hearing from the company really soon.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent you guys a dispute letter on XX/XX/2022 and haven't heard anything back. You guys are reporting inaccurate information to my credit report, don't you have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have tried to ask for the itemized bill so we can solve this debt. I called again today XX/XX/21 at around XXXX and usually calls will be recorded but today it was not and the man who answered was extremely rude and used foul language. When I asked for this information he accused me of trying to get out of paying and began verbally attacking me and stated he had spoken to coworkers about me. He said my questions were ridiculous and what was I trying to do by asking them. When I asked for his name he simply hung up on me. When I called back Im not sure if I spoke to a different man because nobody would give me their names but this man refused to give me paperwork information and proof of my debt and also accused me of trying to get out of paying which I was not. I simply wanted to know what I was paying for because its a debt from years back. This business is incredibly unprofessional and unnecessarily aggressive, abusive and their tactics are borderline illegal.

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 2021-11-10
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNTS LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX/XXXX  XXXX Balance Owed : {$1700.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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 fully paid off several credit card accounts on XX/XX/2023, most of which are reflecting correctly except one for {$7300.00}. I inquired with the credit card company about the amount they reported and they told me they reported a XXXX balance due on XX/XX/2023. 

I disputed the amount Experian is reporting is incorrect and provided them with my bank statement, the same one I've attached for you, as proof and Experian told me, " The dispute for the account was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' Yet it still shows the balance due is {$7300.00}. 

I can't get through to them by phone ; their autobot keeps telling me they can only transfer to an agent under certain circumstances and won't transfer 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 non-monetary relief
Consumer complaint received 2021-03-18
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a account with ( XXXX ) XXXX XXXX ( Original creditor ) back in XX/XX/16. I was told my bill by sales rep that my bill would be would be {$160.00}. per month give or take a dollar. Got my first bill which was over {$400.00}. Went back to store spoke with the same guy and he stated its high due to being prorated, so I paid him cash. I asked if my next bill would be what he originally quoted he stated yes. So I get the next bill and it was even higher. Went back to the store and was told he was no longer there I tried many times to resolve this issue and wanted to return the 2 phones and was told that they could not do that. Paid my bill and left. I tried to get the main MGR on the phone and was repeatedly told he was in a meeting. I went to an actual XXXX store in XXXX, MD and was told that they could only help if I brought the plan through them and that the store I dealt with was a franchise and would have to deal with them. I closed my account on or about XX/XX/16. Checked my credit a few months later and saw that they put it on as a collection. Every time I get this resolved it pops back up again.The 2nd one is Jefferson Capitol Systems was the next, then now its XXXX XXXX XXXX XXXX. 
It keeps getting sold and sold and I have explained it till I was blue in the face. I cant seem to win. I have only the above ( Jefferson Capitol on my credit but I am sure XXXX will pop up soon.. I am trying to get this removed but to no avail. Jefferson keeps stating that they are the original creditor and restarting the battle all over. Any help is appreciated.

Company response to consumer: Closed with explanation