BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I finance a car through Credit Acceptance in XXXX and during the month I found that they was charging me over XXXX XXXX XXXX  interest rate, then by XX/XX/XXXX XXXX voluntary return the car because of divorce reason. Then during the same year Credit Acceptance sold the car to another car dealer for more than the value of the loan principal value paying off my debt. Later during XXXX I saw in my credit report that Credit Acceptance open the account and add a balance of {$11000.00}, immediately I call them and they offer me if I accept and agree paid them {$3000.00} in XXXX days, they will remote that information from my credit and I decline the offer. I never receive any letters or phone call from them, I called a few time requesting the information about how they calculate those charges and they hang up the call. During that moment and continue as today, Credit Acceptance are reporting on my credit that this loan is close but at the end of the month they report the account open it, increase the balance and later they report to close it.

In the attachment you will see the evidence how Credit Acceptance are reporting false information, what cost me me a lot of financial problem.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX of XXXX I received a Capital One 360 card in the mail. I called the company the next day ( I don't know the exact date ) & told them I did not open an account with them & I didn't have an old account with them. I asked them to please close the account and after some time on the phone & a few questions they said the account was now closed. I received a statement in the mail that says the account was closed on XX/XX/XXXX but I would like to know how this account was opened in my name without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im begging you please remove this to the credit report

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft and a XXXX XXXX  XXXX  was opened with my identification. I have made a report to FTC and will attach it with my documents of proof of identification because Experian is in violation of the law. They said that it wasn't me who sent the information when I gave proof of my identification.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

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 2017-04-01
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
These are my complaints listed 1 through 4 1 ) I have student debt with Navient ( Parent Plus Loan ). They are not able to provide me with information about how much I owe from the handful of schools my children attended. This makes it very hard for me to talk with my children about this to determine which child owes what amount in an attempt to each pay their fair amount. Also, the loan payment amounts they have quoted for me are way too much for any average working class citizen in this economy to afford. 

2 ) I recently tried to refinance my home to save several hundred dollars each month. The refinancing went very well, and with only one final step, I needed to have a three-way conference call with the mortgage loan officer, Navient representative, and myself. When my loan officer and I connected with the Navient representative, she scolded me, and was very rude. The loan officer decided to end the call, and I was not able to go through with the loan. 

3 ) Including myself, friends, family, neighbors, their friends, and unfortunately now my employer, we are all currently being harassed by a caller going by the name of XXXX, who apparently represents Pioneer Credit Recovery Inc. He uses the caller ID name as Navient, and one of the handful of phone numbers he calls from is XXXX. He is calling ( harassing ) these people at all hours of the day and night asking for information about me. 

4 ) Just when my children entered college, I lost my job of many years due to economy affecting the business I worked for ( great recession XX/XX/2005 ), and could not find a job because no one was hiring. I received my loans while I was unemployed. The economy is different today than it was back then, and I do n't make nearly as much as I did twelve years ago, and just getting by on what I earn today. I 'm wondering how and why I was able to obtain these loans when I was unemployed? I would think the government would have viewed me as a risky person to lend money to. This seems very questionable, and very irresponsible for any lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I made a mistake and sent Capital One {$15000.00}. It was intended for Capital XXXX XXXX loan payment. Called Capital One and they said I had to get the money by via my XXXX XXXX. The Capital One would not let the XXXX XXXX pull the money back. Called Capital One again and they said they would send a check in 3 weeks. I would like to have the 8.5 % interest I will have to pay on my mortgage for 5 weeks since Capital One is holding my money. They also said I would not get the full {$1500.00} as they were paying down my credit card. I have never been late and have always paid my credit card on time. I think they are being unreasonable and hurting their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ATTN : Legal Department my report number XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is the derogatory nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : this filing has missing data and is not accurate please delete. 
2.XXXX XXXX ACC : XXXX : This account is listed wrong and error please delete. 
3. XXXX XXXX ACC:XXXX : THis account is not list propley error please delete. 
4. XXXX : ACC XXXX : This account was discharged and listed improperly please delete. 

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, per the FCRA, I notified XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

XXXX XXXX XXXX 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 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 2017-01-22
Company: Advantage One Credit, LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I took out an auto title loan for {$1000.00} with Advantage One Credit, LLC in XX/XX/XXXX. Since that time I have made monthly payments in excess of {$2000.00}. I attempted to make a payment in XX/XX/XXXX but I was unable to as the company website was defunct and I was unable to contact Advantage One by phone. Last week I received an account notice from Advantage One stating they were changing the way my loan is serviced and to mail all future payments to an address in XXXX, TX. This was just an account notice and not a billing statement.. All previous payments were either paid by phone or online. The company website is back up and there is an option to email customer service which I did twice and got no response. I phoned the company on XX/XX/XXXX and asked if I could make a payment by phone but I was told they were equipped to do this. I also asked about a billing statement and the response I got was I should receive one in the mail soon.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-15
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Disputed creditor named XXXX account # XXXX.... on my Experian credit file and Experian and XXXX failed to remove this account even though it does not belong to me, They also failed to provide proof that this account is mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX , XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX 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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-08
Company: Vengroff Williams, Inc
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Vengroff Collections has violated my Federally Protected Rights under the FDCPA.. Vengroff is attempting to collect an alleged debt that aroused out of family, personal and household use. Vengroff contacted me ( via mail ) and without my prior consent violating 15 USC 1692c. Vengroff used deceptive means to collect on a alleged debt stating they are collecting on behalf of XXXX XXXX is very misleading being that Vengroff is a debt buyer. You now on Notice to Cease and Desist..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Back in XX/XX/2022 XXXX Bank issued a XXXX for accounts XXXX # XXXX and XXXX # XXXX as settlement for XXXX alleged debts. I have submitted that XXXX to the IRS on my XXXX  taxes because these alleged debts are now considered income. I notified your company and requested that you remove these XXXX XXXX  accounts from my credit report as they are now considered income, and by the IRS, and your own company rules, should no longer be on my credit report. Nevertheless at the time of me filing this complaint you have still not removed these accounts and are still reporting them as unsettled debts. Both XXXX and XXXX have removed these accounts from their credit reports, with only your firm continuing to report this matter.

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 2023-12-13
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XX/XX/XXXX that an amount of {$220.00} from XXXX bridges and Tunnels has been sent to Transworld systems inc. I called Transworld system who mentioned the violation is from unpaid tolls from XXXX XXXX. However, I have an XXXX XXXX and have been an XXXX XXXX holder since XXXX. My XXXX pass account has been on automatic payment since XXXX. Also I utilize the app that states no activity was made in the month of XX/XX/XXXX. Neither have i received any notification about an unpaid debt until just now that I have been sent to collections. I am very frustrated and will submit documents showing that I indeed am an XXXX XXXX holder with no transaction activity for the month of XXXX along with the statement i received today in my email from Transworld system inc. 

If a balance is owed I require proof along with balance being taken off from collections because again my XXXX pass account has been on automatic payment with my bank on file since XXXX so there should be no reason for my account to go into collections. 

I spoke to Transworld system inc today XX/XX/XXXX and they put a dispute and they also advised me to issue a dispute. I call XXXX XXXX and when you call the automated system states if you want to dispute any collection debt to speak to the agency it was sent to which is Transworld system inc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: The Phoenix Recovery Group
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Phoenix Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barred Debt  The above account was reported on my credit report as delinquent to XXXX and identified as opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I notified Phoenix Recovery that applicable to reporting to credit bureaus and collecting payments, I had made a determination that this debt is outside the statute of limitations of Section XXXX of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is FOUR YEARS and the debt was not mine. Per the Statue Phoenix Recovery is mandated to remove this account from my credit report immediately. 

DETAILS ABOUT AUTHORITY TO COLLECT THIS DEBT. 

Dear Phoenix Recovery Group I demand this debt be removed from my credit report per Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts. 

I am requesting this removal be remedied expeditiously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation