BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
During the car financing process with Credit Acceptance, my rights were violated in several ways. Initially, the terms of the agreement included a car cost of {$8000.00} and a down payment of {$3000.00}. However, Credit Acceptance charged an exorbitant interest rate of 22.9 %, significantly inflating the loan amount and burdening me with excessive costs.

The impact of the pandemic on my payments was severe, but I managed to make two substantial payments to significantly reduce the loan amount. However, to my surprise, after six months, the outstanding amount mysteriously increased to almost its original value of {$7000.00}. This sudden increase raises concerns about hidden costs and unfair practices by Credit Acceptance. 

Despite making payment arrangements and fulfilling my obligations, the car was repeatedly repossessed by Credit Acceptance. These repossessions occurred even when payments were made, leaving me in a constant state of uncertainty. These illegal repossessions led to additional fees and worsened my financial situation, pushing me further into debt. 

Moreover, Credit Acceptance consistently overcharged interest, exacerbating my financial struggles and making it increasingly difficult to pay off the loan. These actions have had a detrimental effect on my credit standing, making it challenging to secure future loans or financial opportunities. The financial impact of Credit Acceptance 's violations has significantly disrupted my life and caused immense stress and hardship.

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 2023-06-26
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023, I submitted a payment of {$1900.00} as my outstanding balance on the loan is {$1900.00}. I called the company on XX/XX/2023 at approx. XXXX to move the payment to principle only. I was told on the call, the payment had been submitted and the payment would be moved to principle. I called again on XX/XX/2023, approx. XXXX to check on why the payment was not reflecting as being applied to principle. I was told there was an error and the payment was not able to be move to principle after being on hold for over XXXX XXXX. I was then told I would need to wait an additional XXXX XXXX for the funds to be available on the account and to call back in to make the request again. I stated this was not my error and the company needs to apply the funds per my request. I'm trying to get my loan paid off and the company is charging me interest all of these days due to the company 's error. I was told I would need to make the request when the funds are available. 

Please review the below documentation, the company did not apply the payment correctly before I had called either.

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 2023-06-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
An identity thief set up the account and I want to close it. He used an email from XXXX say I was being charged {$290.00} if I did not order call XXXX then he switched the call to XXXX said he would stop further charges and refund my money which has not been taken out yet. 
He called himself XXXX XXXX. XXXX This happened XXXX When I refused to give him my new debt card no. He got angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX member of the United States Military and usually travel XXXX XXXX XXXX XXXX. I use the AutoPay feature to pay my bills automatically XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of XXXX XXXX. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit XXXX XXXX XXXX XXXX XXXX I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault XXXX XXXX XXXX XXXX during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Never received a written letter about a debt until few months ago I saw a credit report change from TSI. 

I asked XXXX XXXX to validate if the debt was real. 

I received a letter around XXXX that the debt was valid. 

I sent an offer letter for a certain amount to payoff the debt to TSI. The letter was sent early XXXX. 

I received a call around middle of XXXX from a TSI agent that the offer was accepted for XXXX. They said I would only be able to pay over the phone as the automated system would force me to pay the full amount. I asked to be sent a written letter about the offer being accepted. They agreed to do so and that I can pay once received. 

Several weeks go by. I call XX/XX/XXXX to inquire about the letter. This new agent says that the previous agent I spoke to agreed to the XXXX but they were in a different department and that they wont be able to accept the XXXX offer. I asked to be transferred to the correct department and the rep refused stating they wont transfer me. I asked what happened to the letter, and the rep said they dont send letters to offers not accepted. 

I asked why I never got a response from my mail I sent on early XXXX since they did receive it since they agreed on the enclosed amount, and the rep said they dont response to letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Investigation took more than 30 days

Complaint:
Ive been disputing this matter for over a year on both of my vehicles which where purchased through XXXX XXXX XXXX XXXX it been effectiving my credit score an business credit due to false info which Ive provided proof that the car was settled out as a total loss Ive submitted XXXX disputed with equifax XXXX with XXXX an once with XXXX my credit score should be in thee 700

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NY
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 the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account XXXX XXXX XXXX XXXX XXXX They are reporting a payment late on my cosumers report between me and this creditor. 
The bureaus have violated my rights. I have the right to privacy and a creditor may  not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is against the law and violating my rights. 

I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021, Experian. Attached is my most resent consumer credit report from XXXX. I have disputed two inaccurate accounts on my consumer credit report that Experian is reporting. You will see my name the report number on the right and this month date of the finished investigation. I have investigated both accounts twice and they come back as verified. XXXX is violating 15 U.S code 1681 of the Fair Credit eporting Act. THE FIRST ACCOUNT ( XXXX XXXX XXXX ) IS A CHARGE OFF THAT SHOWS A RECENT BALANCE OF {$990.00}. A CHARGE OFF MUST SHOW A ZERO BALANCE. DELETE THIS ACCOUNT FOR INACCURATE REPORTING. The account below it is ( XXXX XXXX XXXX ) This account is a COLLECTION ACCOUNT. IT IS REPORTING A BALANCE of {$680.00}. A COLLECTION ACCOUNT MUST REPORT A ZERO BALANCE AS WELL. DELETE THIS ACCOUNT AS WELL. DELETE BOTH INACCURATE ACCOUNT IMMEDIATELY!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}

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 2021-12-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH 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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information PO BOX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent in my remittance slip filled out completely certified mail on XX/XX/2021 and I received another bill 2 weeks later that included a late fee as well as the previous balance. I contacted Kohls on XX/XX/2021 billing using the number on the second notice that I had received to see where the payment went. The rep who answered said they did not receive anything and to please fax proof of the payment at a local store. I went to the store and was directed to customer service. The supervisor used her phone to call for help and put me on the phone with a rep around XXXX. The rep advised me that he has never heard of remittance and that they told him to tell me that they do not accept it. After being denied I asked for more assistance and transferred me to another agent. This agent also had no idea how to help and told me he was unable to reach a supervisor because his system would not load. I requested a call back and decided to report this issue to be resolved right away. I have also sent out copies to the CFO and Registered Agent of Kohls for immediate help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm being asked to come to branch with my identification for the second or third time, the first two times yeilded no understanding or any resolution this has been going on for two years now, they're taking funds without giving me access.It has been very hard to get anything clear on the matter.They said something about an investigation but I heard nothing after that, I wanted to close the account with them but haven't been able to a year or so ago, forgot about the account got back in touch with them and they're saying the exact same thing they said two years ago. {$2900.00} is down to {$2000.00} no no clarification just fees and they refuse to close the account so can't take my business elsewhere, litterly being held hostage and being treated like a criminal ( just come to the branch with my identification and nothing ) This is the XXXX XXXX XXXX  in FL. and now XXXX too something isn't truthfully being said broken trust.Please can you look into this matter involving checking & savings Regions Banking Practices

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