BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
CREDIT ACCEPTANCE CORP is reporting a car repossessed and late even after the vehicle was totaled this is a violation of the FCRA. They reported the account late every month for years, but this is inaccurate the car was never repossessed it was totaled in 2020. 

I'll sue under the FCRA sections US Court of Appeals Ninth Circuit, No 00- 15946, NELSON vs. CHASE Manhattan for Defamation and financial injury. Because " CREDIT ACCEPTANCE CORP '' at this point is purposely reporting information to the credit bureaus inaccurately which goes against the FCRA and 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 explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought the car on XX/XX/23 with Mercedes Benz financial instead of my personal credit union to obtain all the rebates & discounts then I intended to refinance the vehicle after my first payment was applied. In the meantime I wanted to cancel the maintenance service which I did on with the dealership on XX/XX/23 for {$5800.00}. Check was sent & completed on XX/XX/23 by dealership to Mercedes Benz financial. I then preceeded to refinance with my credit union & when I requested a payoff amount the {$5800.00} was added back to account balance. I called MB financial talked to XXXX Subject XXXX XXXX & he stated the dealership requested the check be sent back to them as there was an error in the check amount they sent. The dealership states they resent the check back to MBF & was cashed XX/XX/23. At this time I called both the dealership & MBF on the same call XX/XX/23 & MBF stated they would research & take care of it on their end. Many follow up phone calls have been made to MBF as I want to pay this car off with them but need them to apply the refund check & all the interest from XX/XX/23 to my account so I can get a good payoff amount. NO ONE will call me back or assist me with information on my account. Calls have been made on XXXX & XX/XX/23. I have requested a supervisor each time & I get no one is available. Mercedes Benz dealership has also tried to contact multiple times & they have refused to talk to them as well. I need resolution. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of 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 2023-08-16
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-02-06
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I placed an order online with XXXX XXXX XXXX Purchasing XXXX bracelets. XXXX 's website at the time had items listed that you could pick up same day " before '' XXXX was how it was advertised. I purchased the items using affirm for a total of {$620.00} and once my order was processed I received an email that those items wouldn't be ready for pick up until the XXXX week of XXXX. Naturally i was upset as the entire reason for even making the purchase was because the website led me to believe that I would be able to get these items same day. I immediately called and cancelled the orders. XXXX bracelet got cancelled XX/XX/XXXX and my refund of XXXX was processed to AFFIRM on XX/XX/XXXX. The other XXXX bracelets were cancelled in XXXX system on XX/XX/XXXX and to date AFFIRM has not received refunds for those other XXXX bracelets and while i have never received this merchandise AFFIRM continues collection efforts while it has been XXXX weeks and no refund processed with XXXX. I have called XXXX weekly for over a month checking on the status of the refund to AFFIRM with no success and affirm and doesn't communicate directly with XXXX which is insane to me. I have sent affirm the proof of cancellations for the XXXX orders and they still refuse to credit my account. In XXXX days this is going to be reported XXXX days late on my credit which i can not have happen. This is an extreme disservice to consumers and they need a better system. I have never seen an automatic refund take XXXX weeks when the first refund was processed in XXXX days. 

Please help me I have an open case # with XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BANK OF THE WEST
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I contacted Bank of the West by telephone regarding a payment which was taken out of my account after a 3rd party purchaser paid off my loan balance of {$3000.00} on XX/XX/XXXX. The representative confirmed that there was an a payment which was taken out and that my funds would be reimbursed once I faxed in my bank statement showing the payment on XX/XX/XXXX. 

After that call to Bank of the West, I contacted my bank, XXXX XXXX to request a stop payment on any future payments from my account. I received a notice from Bank of the West dated XX/XX/XXXX which stated that I had a balance of {$610.00} due with a {$15.00} processing fee. 

I called Bank of the West and I was informed the balance that I owed was for a payment which was reversed on XX/XX/XXXX for a payment that was due for XX/XX/XXXX. After checking with my bank I was informed that there was no reversal in XXXX from the XXXX payment. 

I went in to Bank of the West on XXXX XXXX. in the city of XXXX to request additional assistance to contact customer support since I was being asked to again send in my bank statements showing the XXXX payment never being credited to my XXXX XXXX. 

I received a call today from a costumer service representative by the name of XXXX at phone number XXXX who again said that the balance owed is for my XXXX statement. After receiving the same information from XXXX. I received a call from XXXX at the XXXX office who said also that he was told it was for my XXXX statement. 

I have provided my bank statement to show that I was not reversed the amount which was for the XXXX statement. I was told that my bank has to reimburse me to make the missing payment. I really need help resolving this issue but the representatives at Bank of the West are not able to understand that I have not been reversed the XXXX statement even when I am providing my XXXX XXXX statement which clearly shows that the payment was made.

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 2023-04-17
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for assistance from the mortgage and my options were to apply for a modification for my mortgage. The problems start when i get my paperwork to sign the modification and the names don't match the title of the house. Midland mortgage is using another name saying that this other person is the owner of the house and the paperwork states that she doesn't have the obligation to pay for the house, only the original owner. The title of the house is only under the name of XXXX XXXX XXXX and XXXX XXXX XXXX ( deceased ) since XXXX that the house was purchased. When i called Midland Mortgage I testified that the modification was incorrect Under the name of XXXX XXXX XXXX and XXXX XXXX. The representative XXXX told me that my paperwork was correct and it was like that in the title of the house. I told XXXX that I don't know who is XXXX XXXX. XXXX said to me to go find XXXX for her to sign the paper work because the title came that way and that I didn't remember calling me an ignorant and dumb. I have the paper work under my power. The Only owners are XXXX XXXX XXXX & XXXX XXXX ( Deceased ).

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2023-04-17
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2nd complaint I do not owe this company I have no knowledge of this debt this alleged debt has not been properly verified I am demanding it to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXXXXXX XXXX Balance Owed : {$15000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$460.00}

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 explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Capital one will not refinance my loan. I have paid XXXX $ + and owe XXXX more. Ive made payments consecutively of XXXX a month for the last three years and will be paying twice as much for the vehicle. They wont refinance me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: New Century Auto Sales, Inc.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Correction to complaint # XXXX Filed XXXX in XXXX. Right soon afterwards, I received a mailing from this company, in XXXX XXXX, regarding financing a vehicle post XXXX XXXX. I contacted company by telephone, and requested to be removed from thier mailing list. XXXX, XXXX, I received another letter, to whick I returned to sender. XXXX, XXXX, I received another mailing, to which I photographed the letter, and returned to sender. On the letter, I wrote " Refused and documented '', as well as " Do not call ''. which translates to please stop mailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT # XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2021-04-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm contacting to find out what is going on and why I am providing my information and they tell me that it will be updated in a couple of days. I have provided the information and I'm waiting for the information to be updated.

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 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America offered a refinance loan of 1.51 to refinance my loan currently I'm paying {$2800.00}. the new would lower my payment to {$420.00}. My debt to ratio is not a problem, my income is not a problem the bank did use my XXXX  tax return. My cash on hand is good the bank took over 2 and a half without looking at all the documents it no way they should have refused this loan. Something is wrong at Bank of America1

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 2017-11-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This items below are inaccurate, because I never made a late payment with the below creditors. I requested that Experian, and all of the below creditors to verify the accounts as per FCRA 15 U.S. Code 1681i, or remove the unverified account history. As of the date of this submission Experian and the below creditors, has not provided physical verification of the alleged late payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the negatively impacting late payment history be removed or provide " physical verification '' of actual late payments.
1. XXXX XXXX XXXX-XXXX 2. XXXX XXXX XXXX-XXXX 3. XXXX XXXX XXXX-XXXX 4. XXXX XXXX XXXX-XXXX 5. XXXX XXXX XXXX-XXXX 6. XXXX XXXX XXXX-XXXX 7. XXXX XXXX XXXX-XXXX 8. XXXX XXXX XXXX-XXXX 9. 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 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX XXXX, a XXXX XXXX, command all the companies below on my credit profile to discharge their debt immediately. The debt should be discharged by XXXX XXXXXXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, and Department of Education/XXXX XXXX account number XXXX. I am XXXX and command all these companies to discharge their debt immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for these companies debt to be free from my credit profile.

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