BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. Please note, XXXX previously responded to Consumers request for validation on XX/XX/2021, providing validation. The account has since been returned to the current creditor XXXX XXXX XXXX XXXX. We suggest XXXX XXXX contact XXXXXXXX XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX to XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFFIDAVIT OF DENIAL STATE OF NORTH CAROLINA COUNTY OF XXXX I specifically deny that these alleged account/debt and/or account stated/implied and/or from XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX obligation is certainly mine, if these alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that these alleged account/debt and/or account stated/implied and/or obligations is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with DEBT COLLECTOR or any of its Affiliates nor have I ever engaged in any business with DEBT COLLECTOR in the past. These alleged account/debt and/or account stated/implied is FRAUDULENT upon my good name and has caused me injury for which I will seek redress, compensation and settlement. Each company named above has failed to respond with valid proof of claim. They are now in default and compensation and settlement is due. PLEASE COMPLETE ATTACHED AFFIDAVIT TO SUPPORT YOUR CLAIMS UNDER PENALTIES OF PERJURY or agree to pay the settlement order in the next 3 days. 

The following inquiries were NOT authorized and need to be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dated this XX/XX/XXXX Without Prejudice By : XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX All Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of 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 2023-02-01
Company: Lenmo Inc
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I currently owe the company {$170.00}. This initially started because the lender said my payment was late and there was no record from the bank that a payment was attempted. I disputed this with the company and they took almost a week to respond to me. This caused me to also block a transactions from them by my bank because no one at the company could tell me when the payment was attempted from my account. I agreed to pay but things transpired and could not. Quite frankly, their lack of communication was egregious. I have been sent several messages in which the representative has stated they are a lawyer for the company and they will put a lien on my property. I asked to speak with the attorney and for them to send a letter and they have not. There is no number to call and they only contact you via email. I have asked them to stop sending me threatening emails as it violates the fair debt collection practices and they have not. I have paid {$50.00} towards this debt and intend to pay the rest. However, I will not continue to be harassed in the manner in which I am being harassed. One of their emails even states my credit score will drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I submitted a written request to XXXX, XXXX, and Equifax asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that XXXX, XXXX, and Equifax must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, XXXX, XXXX, and Equifax is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : XXXX XXXX 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 Please list my address as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list my job as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached all letter that were sent to Experian and also follow up letters that were sent to them as well with certified receipts. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I've already forwarded this to the New York Attorney General 's Office. 

* Loan is paid off. 

XXXX Attorney General, Regarding your lawsuit against Credit Acceptance Corporation, I bought a XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX XXXX in XXXX, LA on or about XX/XX/XXXX. VIN # XXXX. Credit Acceptance Corp was my lender. The vehicle 's sticker price was around {$17000.00}. I gave the used car dealership ( XXXX XXXX ) approximately {$10000.00} for a down payment, as I didn't want to pay for the vehicle for too long. By the time the paperwork was drawn up, said used car dealership had informed me that XXXX had added a substantial amount to the principal balance and that they, the used car dealership, couldn't do anything about it. After giving said dealership {$10000.00} for a down payment on {$17000.00}, the principle balance of the vehicle had ballooned to a whopping approximate amount of {$20000.00}. 

" The vehicle motor just went out in XXXX XXXX. And I am currently without transportation right now. '' Credit Acceptance Corporation Account # 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 2023-01-28
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive been disputing with credit acceptance for years now. Now my account is supposed to be closed and they will not remove the account off my credit. I was told by previous reps that once the account is paid off or have no balance it will be removed. Now that they agree to close the account they are not removing it off my accounts. For years they have been reporting inaccurate information and Ive been disputing it. They recently said they closed the account and the status should change they also say I dont owe anything. This information has been damaging to me I couldnt get another vehicle nor a home due to the reporting of repossessions which in fact it was repo XX/XX/XXXX. They reported repossessions each year each month on my payment history after they sold the vehicle. Ive asked for it to be corrected and removed over the phone just recently. They dont want to do either. I believe they willingly and knowingly know that they have been reporting incorrect information on my report they just dont want to fix it at all. I spoke with a representative XX/XX/XXXX who told me they dont have to remove the account off the credit seeing that I dont owe them. Even through the FDCRA you can modified, delete or permanently block this information they said they dont have to remove it. They also willing and knowingly reported false information which caused damage to my credit report. Which under the 15 U.S.C 1681-2 1 ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The balance you are reporting I owe is incorrect and doesnt match my records. The payment history doesnt match my records. The date opened doesnt match my records. The account status doesnt match my records. Nothing matches. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.

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 2022-06-15
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get out of forbearance since XX/XX/2022, It is now XX/XX/2022. We have sent over every single documentation they have asked us for, and even then it was difficult for them to say they received everything they needed. We are tired of waiting for some documents we have to sign to receive, supposedly it only takes XXXX business days to receive and its been over a month since. 
Every time we call it is something different, they say they sent out documents with modifications to our loan and to get us back on track but we still have not received anything. Its been over 2 months with this back and forth. What we want is to start making payments to our mortgage and get back on track. There is always a different story whenever we call to follow up. We need this to get resolved ASAP. 
We have to get out of the forbearance.

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 2022-09-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX of XXXX there were over XXXX fraudulent transactions done on XXXX of the debits cards for my account. When I called the representative I gave here the name Ive the company so she could process my dispute, I was then issued a credit for {$3100.00}. In XXXX of XXXX XXXXXXXX XXXX reversed my credit leaving my account negative {$3100.00}. When I called XXXX advised me that there was one authorization transaction included which is why my claim was denied. I advised that they should listen to the call, I never asked for that transaction to be included, that was an error on behalf of the employee. XXXX then informed me I had to put in an appeal. I put the appeal in right away. I gave it 7 business days and called for an update and every time I call they say the dont have a turn around time and theres nothing they can do. This has been an extreme inconvenience for my family in I. That was my husbands whole pay check, we trusted XXXX federal with our financial needs because they claim to be for service member and there families. My husband was recently XXXX and deemed 100 % XXXX from the United States XXXX, we need the fund to serve. We look forward to your help with this matter, please contact me at your earliest convenience. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I completed a loan process through XXXX XXXX  to pay off the lease end amount from Kia Motors Finance in XX/XX/XXXX. It is now XX/XX/XXXX and to date I still have not received the title from Kia.

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 2019-02-19
Company: Experian Information Solutions Inc.
State: TN
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 disputed multiple items that are being reported on my credit report inaccurately. Experian continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.

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 2023-08-30
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was opened in XXXX. Charged off in XXXX. Company will not provide account validations with accurate dates, shows account closed in XXXX. I have been attempting to fix this since 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 2021-12-08
Company: Google Compare Credit Cards Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX PM XX/XX/2021 Purchase Google Play Gift Card in XXXX ( Receipt available ) XXXX PM XX/XX/2021 Attempt to use the card to provide funds to my Google Play account. 
The transaction fail. I submit a claim and provided all the information requested by Google. 
XXXX PM XX/XX/2021 Google send me email that says : " According to our system, your Google Account or one of the Play Gift Cards you submitted isn't eligible for appeal. '' The next few days I tried again in my different Google accounts with the same result. 
XXXX AM XX/XX/2021 I chatted with Google Suport agent XXXX XXXX. She said : " we can't provide you with a refund for your gift card. As stated in our Terms of Service, I'm afraid that we won't be able to refund Google Play gift cards purchased from third-party retailers. '' Those " Terms of Service '' are not provided at the time of purchase. 

This is a scam master minded by Google to steal money from the american people. They provided a product that they are not going to honor to third party retailers. The retailer sell the product their customers and keep a cut of the money or kick back from Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Account name : XXXX XXXX XXXX These accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item for information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX lowered my credit limit because TransUnion reported delinquent payments on 2 credit cards, which were not mine but had been taken out in my name. 
A XXXX XXXX XXXXXXXX XXXX and XXXX Credit Card . 

I contacted XXXX  XXXX XXXX and they are closing the fraudulent account. I have not yet contacted XXXX. 

I disputed this with TransUnion but did not get a response by the date they said I would, XX/XX/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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of Transunion, XXXX, XXXX XXXX. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done XXXX in proper investigations on my credit profile. After XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sadly my credit has been a XXXX XXXX block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have XXXX accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
XXXX U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
XXXX has Deleted XXXX XXXX  off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, XXXX  and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, XXXX investigations in a row. 
THIS is a HUGE violation of my rights

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 2022-12-15
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 am intrested in disputing all unauthorized information on my credit report with Equifax because my file is not 100 % accurate. my credit report the data is not matching it is hindering my file. please update all information requested.

Company response to consumer: Closed with explanation