BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The lender must provide me written notice of my right to redemption and ( or ) right if reinstatement .The lender must provide a notice to the consumer that confirms the sale price of the repossessed vehicle from auction I have not received any notice in writing before or after repossession i have been a victim of a illegal auto repossession I would like my repossession investigated with proof from the lender were properly and timely given, and all of the allowable redemption and cure time limits were adhered to Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided with receipt of the notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

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 monetary relief
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022, {$15000.00}, I called the company to let them know I didn't authorize a wire transfer of the funds out of my account. I could see that they had the funds pending at that time. I was told that the funds wouldn't leave my account sense it had been flagged as fraud. Than my account was locked and I couldn't log in anymore. when I went down to the bank the funds had been transferred from my account. And they declined to refund me the money. Talking about I know the person. Which is a lie in itself. So I filed for a appeal for them to review the case again. Got a email today XX/XX/2022 and they said they still declined to hive me the funds back

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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.

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 2022-11-03
Company: Experian Information Solutions 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 just recently checked my credit report and found that there is inaccurate accounts being reported that is not mine, I am aware that these credit reporting agencies are not supposed to be reporting inaccurate information.

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 2020-04-09
Company: LendingPoint Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus XXXX XXXX groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on my credit report that this company added a collection debt on my 3 credit bureau credit reports. I sent them a debt validation letter within 30 days on XX/XX/2021. They have not gotten back to me and have not verified the debt. Due to this, the item must be removed from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im being harassed by comenity bank. They are calling 5-10 times a day over a fake debt collection. 

I returned the items they claim I owe money on on XX/XX/2022 at the XXXX store in XXXX, Indiana. 

They have charged a late fee for returning the items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

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 2023-03-10
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:
My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I took a look at my credit report and I saw some things that I didnt know of. I filed a police report. in XXXX I had my personal belongings stolen from me then one day Money was taken out of my checking account. I filed a report with my bank and I got it changed. Money was taken out my bank account every two weeks and I didnt know of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2016, I applied for fortiva credit card for XXXX XXXX XXXX I was approved, but at the time of that appointment I had to pay the first appointment myself. I was approved for XXXX. I never once used it. Since 2016 I have been fighting with this company, this company is actually the reason I was not allowed into the XXXX Im not quite sure how I am being penalized for a credit card I never once used, I simply was JUST APPROVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited money orders totaling {$2100.00} and what Citizens bank referred to as a " HARD HOLD '' on the funds, without any legitimate basis. I contacted customer service ( XXXX ) XXXX on XXXX and spoke to XXXX and requested that the hold be removed. She stated that this could not be done because they need to verify the availability of the funds. I asked for a supervisor and after being placed on hold was told that one was not available. There should not be an extended hold on money orders which are equivalent to cash. I also deposited another check in the amount of {$3500.00} on XXXX and do not know when that will be released. Citizens is holding my money for an impermissible period for its own use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
On XX/XX/XXXX, I spoke with a XXXX about providing me a goodwill adjustment on my late payment on XX/XX/XXXX for my humanitarian hardship. I was in the hospital for ongoing medical treatment and was late billing my bill. This is the only time I have been late paying since signing up for the XXXX XXXX XXXX. The representative stated that he updated XX/XX/XXXX late payment to good standing and XXXX would report the good standing to the 3 credit bureaus. The late payment is still showing up on my credit reports and I am asking that it be removed as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$690.00}, XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX BANK XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/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 2023-06-09
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My chime account was suddenly closed for no reason no warning no nothing just logged out and closed with my money in the account I called and complained numerous times they said I will receive my money 30 days or when they ship the check and now Im receiving emails about old disputes saying they are taking money out of my balance {$42.00} to be exact they are stealing my money and I need every cent back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: SG and Associates
State: GA
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Dispute made with XXXX. Report XXXX XXXX Date Generated XXXX XXXX XXXX - Advising to contact the entity who originated. But this entity is no longer in business and has never contacted me. There is no way to contact this company so how was this able to be purchased. FRAUD. 

ACCOUNT NUMBER : XXXX ; {$410.00} ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A : States I have a right to privacy 15 USC 1681 Section 604 A : Section 2 : Also, state a consumer report agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 USC 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or have 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 explanation
Consumer complaint received 2022-03-03
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been with FedLoan Servicing in the PSLF program for five years, and have worked in public service for 15 years. In XX/XX/XXXX I consolidated my federal loans. Additionally, I made a FOIA request for all my loan payments because I didn't think my payment were being counted correctly by FedLoan. My payment history showed that I made payments while my loans were in an in-school deferment/forbearance status and in administrative forbearance status. In order to get credit for these payments I submitted a deferment/forbearance waiver request in XXXX XXXX. I spoke with a representative from Fedloan today who told me my waiver was processed, but the waiver is only good for existing loans which now are my consolidated loans and not any of the loans I made payments to while my loans were in deferment/forbearance status. There is no information about this anywhere on the Fedloan site, or on the waiver request form, or with the consolidation request. The PSLF waiver program was a godsend for those of us who have committed ourselves to public service with more student loan debt than when we graduated thanks to all the interest on federal loans and have been paying for years into the wrong payment plan. This deferment/forbearance waiver is one more hurdle to jump if you made payments while in deferment/forbearance or unknowingly were in administrative forbearance. It is very deceptive that so little information is available and that all the potential pitfalls of consolidation are not laid out for the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-04-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing to you because I could get no response or resolution with Synchrony/Pep boys card. For over a year or more, I have been overcharged in interest rates where my monthly payments have been over {$350.00}. I received a letter in the mail from Synchrony dated XXXX/XXXX apologizing about the errors in the amount of interest rates I was charged and that it had been corrected. I then received another letter from Synchrony dated XX/XX/XXXX that my interest rate went down to 21.98 when I was being charged 29 %. The low interest rate lasted for only XXXX month where I was charged {$280.00}, which was due on XX/XX/XXXX. There after I continued to be charged over {$350.00}. I then received my statement for XXXX, where I found a purchase for {$670.00}, I did not make and my credit card account was over the limit. I have never missed a payment and never had an over the limit statement with this account. I called Synchrony and wrote to them regarding this issue. The CSR I spoke with on the phone stated that my account would be credit. I checked my emails on the pep boys site under my account where I found a response from the email, I sent them. The email received embodied a dispute form they stated needed to be completed and faxed for investigation. I completed and faxed it back on XX/XX/XXXX and have called to follow up on the status several times. I was told it would take a couple of weeks. Here we are in XX/XX/XXXX and I still have heard nothing, verbally, through email or mail. I have continued to make monthly payments, although my account still comes up over the limit every month. My credit report has been ruined, and the {$670.00} purchase has still not yet been removed. I sent an email to Synchrony to close the card yesterday XX/XX/XXXX out of frustration because I have not received attention on this matter. I feel that I have been disrespected and taken advantage of.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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 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