BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX {$10000.00} I traded in my XXXX XXXX XXXX for a XXXXXXXX XXXX XXXX. The car broke down the first week. There mechanic fixed the problem but it still broke down. We contacted XXXX XXXX he gave me my XXXX XXXX to drive until the repair was done. But still had issues with the truck. It had problems already when we got it. 

XXXX {$12000.00} XXXX XXXXXXXX XXXX it had problems with it as well abs fault light is on and the car needed a core pack. Contacted XXXX XXXX about he never fixed it. So we had to. And the price for it was not what he said and its not a match on XXXX. Also he never registered the vehicle to dmv. 

I contacted Credit Acceptance about both of the vehicles and I try to get in contact with XXXX phone about the car so he would tell me where it was located and the representative I spoke to she wrote everything down. And also when I told them about the problems I was having with the XXXX XXXX the representative told me that they can come and pick it up and resell it so I was never contacted letting me know that someone came or called a mechanic about the XXXX XXXX and they said that it was not worth them picking up. I also told them about the price of the XXXX XXXXXXXX XXXX and the price was way too high is not the same on XXXX and I needed it to be down

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX Balance Owed : {$650.00}

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 2023-06-01
Company: Experian Information Solutions Inc.
State: OH
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, this XXXX account has violated my rights : XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692c clearly states that ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of work of competent jurisdiction a debt collector may not communicate with any or with a consumer and connection with the collection of any debt. 

15 U.S.C 1681i clearly states : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agencyunless thepersonwho furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency.

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 2018-04-20
Company: Southwest Business Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I scheduled payments of {$1200.00} and {$1200.00} respectively, to cover my XX/XX/XXXX mortgage payment. Without any attempt to contact me beforehand, my mortgage company mailed the XX/XX/XXXX payment back to me using snail mail with a letter stating that they were unable to accept the payment because they considered it a partial payment. By the time that I received the letter and XX/XX/XXXX check in the mail, and was informed of this policy, I had already scheduled my XX/XX/XXXX, payment and when I looked at my account, that payment was showing up in a suspended status. I contacted the mortgage company immediately and was encouraged by a supervisor ( XXXX ) that if I scheduled the payment again it would post in time to merge with the now pending suspended XX/XX/XXXX payment and result in a full payment being posted to my account. In response, I promptly re-scheduled the payment of XXXX. However, when I called back the next week for an update, I was informed that instead of merging the funds, as the supervisor had stated would occur, the XX/XX/XXXX check had now been sent to me using snail mail again and the new payment was now pending. At that time, I was encouraged by another representative to reschedule the payment in order to have them merge. This cycle has now occurred a total of three times. Each time, I have been encouraged by a customer service representative or supervisor assisting me, that when the other payment is received it can be merged with the suspended payment and credited to my account. Yet, instead of this happening as promised, my mortgage company is sending the pending payment back to me. To date now because of this, my XX/XX/XXXX payment has not been credited despite multiple efforts. Further, in spite of multiple assurances by multiple supervisors and representatives to override this automated process, nothing is being done on their end to remedy the situation and I am apparently being left completely at the hands of a failing automated process. As of today XX/XX/XXXX, I have been told by yet another supervisor that I will need to try again. I feel as if the mortgage company is forcing me into default on my mortgage payment which has never been late and I need real assistance in getting this issue resolved before XX/XX/XXXX when my payment will be considered late and in default. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had an auto loan with Wells Fargo Dealer Services, who have been sending me refunds since XX/XX/XXXX. My vehicle ended up being repossessed and I am just now searching and seeing that there have been lawsuits and damages. I just spoke with someone at Wells Fargo who gave me the amounts and dates of the checks that they have sent me but would not tell me how the amounts were calculated ( calling it 'proprietary information ' ) and would not send me anything in writing ( either email or regular mail ) the repossession of the vehicle and resulting damage to my credit, etc. caused me a tremendous amount of harm when it happened and I am now looking into if I am eligible for any additional compensation provided under the settlements or through separate legal action ( or the CFPB ). So far Wells Fargo has sent me checks amounting to about {$1000.00} ( individual check amounts ranging from $ XXXX {$630.00}, the most recent was {$7.00} and was just issued on 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 explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1 XXXX XXXX, NC XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.

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 2018-04-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I lost my job in XX/XX/XXXX, I was able to make my payments through XX/XX/XXXX but due to the lack of funds I could not make the {$380.00} pmt in XX/XX/XXXX. I called Navient multiple times to see how I could lower my payment as I had no income coming in. The representative I spoke to directed me into a forbearance for several months until I could get back on my feet. I just spoke to a representative today, XX/XX/XXXX and she said that since I did not have a months worth of paychecks to renew my IDR I had two options : let my account go past due or go into a forbearance again. Since XX/XX/XXXX my principle loan balance has gone up due to the accrued interest being capitalized when my loans were in the forbearance. I feel cheated and misinformed here. When I went into the forbearance I was not made clear that interest is still being accrued and the interest would be tacked on to my principle balance. I have been paying consistently for years and instead of my loans decreasing they have gone up an additional {$2000.00} since XX/XX/XXXX. I feel cheated and disgusted that a company of this size can do this to people without informing them. I am currently in an IDR plan and finally found employment. I still have yet to be paid and when calling into Navient they steered me again into a forbearance due to me not being able to provide a months worth of pay stubs. However this time, they had a recording informing me of the accrued interest being capitalized while in a forbearance. Again, the representative only gave me two options to choose from. This was the first time for me understanding this and these companies are failing the hard working people who have student loans. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: National Credit Systems,Inc.
State: NH
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XX/XX/XXXX 30 day notice XXXX XXXX XXXX XXXX. XX/XX/XXXX spoke to XXXX XXXX XXXX from XXXX XXXX sheriff department where he told me no writ of positions or eviction given to him on my behalf. XX/XX/XXXX storage unit rental agreement n deposit for new house dated XXXX with all due respect please see attached sec8 voucher policy if I owed any or that money they ( XXXX  ) would of reported to my sec 8 voucher but they never did this is all conspiracy by XXXX XXXX XXXX XXXX and XXXX attorneys XXXX siblings due to retaliation in attempt to destroy and sabotage my credit XXXX XXXX  attorneys set me up idue to complain filed on the XXXX  that fell in my favored back in XXXX this is retaliation. They placed eviction stickers on my appt 5 months after I moved in attempt to humiliate me. Not to mention the harassment and calls all day by creditor. I have att I did not pull up call log but can if needed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023

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 2021-07-21
Company: EQUIFAX, INC.
State: MN
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 sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have repeatedly sought assistance from the Company. I have money that is in my account after deleting the app restoring several times on two different devices. I finally get in to the Support team to share what has been happening my account has money in another account. The support team deletes my account/accounts two of them which I never was aware of always had one account. I informed them I have been asked for driver license, phone number, to create an new account which i did not need one ; just trying to get into the one currently have with company. They ask : It's best to provide any email addresses, phone numbers, $ Cashtags, or zip codes that may have been linked to a Cash App account in the past. I'm unable to assist with the account unless I have the accurate information.

I provide first time hashtag information, bank card, bank account 4 digits, then they said email does not match account. Then give hashtag and government name, account number and card. They find my information delete account on my app for me to put new card in bank account information but then no cash in my account. I respond did what was asked to say '' oh apologies '' you have a third account unable to merge accounts until you submit the correct information. Informed them after repeated conversations I do not have third account wanted to speak with a Manager with no availability another team support persons stated need this information as I stated is this a scam because how can I have another account when i was assured what I submitted was all that was needed until it was time to release my money that is floating around. Providing snapshots of transactions, gave detailed response of all required information. SMS text stating when attempting retrieveal of cash that it was allegedly claimed by who? Account shows no $ hashtag with my name just a name shows my contact number my account always had my picture

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} ,850 to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX I opened XX/XX/XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter 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 subchapt

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 2021-05-02
Company: Receivables Management Partners, LLC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$870.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: TX
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:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation