BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the highway 3.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 
4.While vehicle sat for a week, I had a mobile Co. conduct a diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 
5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 
7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 
8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 
9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon XXXX closing. 
10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 
11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 
12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 
13. In return, to date have accumulated bad credit reporting from Credit Acceptance, no vehicle in possession, no information from XXXX owner about the location of my vehicle, the NC attorney general office did not even receive a response from XXXX owner referencing my complaint, Credit Acceptance never to date confiscated / repo the vehicle nor did they conduct any investigation referencing my complaint. 
14. I am currently receiving harassing calls from unknown numbers.

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: Experian Information Solutions Inc.
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2019-01-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our new home mortgage was sold by XXXX XXXX XXXX to the Mr. Cooper/XXXX XXXX XXXX, effective XX/XX/XXXX. We made our first payment in the amount of {$4200.00} on XX/XX/XXXX. The funds were posted and allocated correctly. 
The 2nd payment we made posted on XX/XX/XXXX in the amount of {$4200.00}. When we received our statement, we noted that the total amount of the payment was applied to our principal loan amount. No portion was applied to interest or escrow. Also, our escrow balance was reduced by {$1000.00} and additional {$96.00} was taken out for PMI which had already been deducted. 
We contacted Mr. Cooper/Nationstar twice on XX/XX/XXXX to attempt to have our payment of {$4200.00} properly allocated and to determine the status of the missing {$1000.00} and an explanation on why an additional month of PMI {$96.00} was debited. 
The call center persons at Mr. Cooper were unable to explain why they posted our entire payment to principal without our approval. They were also unable to determine why {$1000.00} was taken from out account and where it now has been transferred. Finally, there was no explanation as to why additional PMI was withdrawn. We were told that they would provide us with a response and correct the account within 24 hours. As of today, XX/XX/XXXX, we have had no response from Mr.Cooper/Nationstar and our online account has not been corrected. We are obviously very concerned that the payment on our mortgage was misappropriated as well as there are now funds missing from our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX, a collection agency based in XXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX  XXXX, claimed that as of XX/XX/XXXX, someone with a similar spelling of my name owed {$330.00}. Because I had no familiarity with XXXX XXXX XXXX XXXX  XXXX or knowledge of outstanding medical debt, I disputed the debt through the collection agency. I received a response on XX/XX/XXXX and shortly after, was provided via USPS, a collection agency report. The report, again, names a person with a different spelling of my first name, my last name, unknown XXXX XXXX, XXXX  address, and a DOB that is not mine, along with general information about the provider and date of service ( XX/XX/XXXX ). I called the collection agency and spoke to XXXX different people regarding the incorrect information. They assured me that if none of the identifying information pertained to me, then I had no reason to worry about it, especially if it has not appeared on my credit report. Less than a week after my phone call to the collection agency, the collection appeared on my credit report. I'm trying to understand how a collection agency can lodge this false collection/debt on my report when 1 ) It is not my debt ; 2 ) they do not have the correct spelling of my name ; 3 ) they do not have my correct DOB ; 4 ) I have never lived or received medical treatment in XXXX XXXX and do not have record having received services from the named provider. I disputed the debt with the credit agency ( Experian ) and they said they would look into it. Today, the dispute was supposedly settled and it is in the collection agency 's favor ( i.e., the collection debt will not be removed ). I am submitting this complaint because I'm reiterating that this is not my debt and both parties ( collection agency and credit agency ) need to do their due diligence.

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 2019-02-13
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied for a Paypal Cashback Mastercard from Synchrony Bank while I was going through a difficult time. This was in XX/XX/2018. I had just been evicted from the house I was renting and didn't have much money. They gave me a very generous credit limit, but due to certain obligations while I was staying with family, it quickly got whittled down to almost nothing. I was making the minimum monthly payments with no problems at first, but soon I noticed they started to increase my minimum monthly charge a little more each time. Some months it was as high as {$97.00} - higher if I couldn't afford to cover it. XX/XX/XXXX charge was {$73.00} and last month 's was also {$73.00}. I cancelled the card last month because I couldn't deal with it any more, paying that much every month and only the barest scraps were being applied towards my overall debt with the rest being eaten up by unreasonable fees, charges, interest, etc. I asked if they could reduce the amount due to my hardship but they refused, stating the fees, interest rates, APR, etc. were all pre-set at a certain limit. The card is no longer active and they are still charging me ridiculous amounts even when I can not use it. The last statement I got said I owed {$73.00}. I paid that, but only about {$20.00} of that went towards the whole amount ; the rest was interest on purchases ( XXXX for purchases and XXXX for cash advances ). My current APR on this card is 28.99 % which is ridiculous and I think they themselves know it and just took advantage of me due to my poor credit history. These people are predatory and should not be allowed to trap people into financial slavery like they do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt.

it has been over 30 days and you are in violation of this law because I am a victim of identity theft.

I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately

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 2018-05-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from someone reporting to be from XXXX XXXX attempting to issue me a summons to appear to court for a debt that was owed to XXXX XXXX. They said that they sent me a notice 45 days ago and if I did not pay today that they would sue me. I gave them my email address so I could see the paperwork that they sent to my address. I then called XXXX XXXX ( previous XXXX ) to confirm the debt. Representative from XXXX XXXX said that they are not reporting and debts from 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 2023-08-06
Company: National Credit Systems,Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by National Credit Systems. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted National Credit Systems authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ). 2. Provide sufficient a
nd documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 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 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
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:
My name is 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 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 2023-08-05
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to bring to your attention a distressing issue concerning my IKEA credit card, which is managed by Comenity Capital Bank. I applied for the credit card online, providing accurate information, but despite being approved, I never received any communication, confirmation, or the essential disclosures related to the credit card agreement. This lack of communication left me in the dark about the terms and conditions, putting me at a disadvantage as a consumer. 

Nonetheless, I was able to make some purchases at IKEA in XXXX using a temporary card, which the IKEA representatives provided. This temporary card allowed me to make the necessary transactions, but my worries grew when I received the actual credit card through the mail and was unable to activate it. When I attempted to make a purchase, the card was declined, leaving me puzzled and concerned. 

Determined to resolve the issue, I contacted IKEA 's customer service, hoping they could provide some clarity. Unfortunately, they were unable to locate my account in their system, and they advised me to wait for a statement, which I have never received. This confusing response left me feeling frustrated and anxious about the status of my account. 

To my shock, I recently discovered that there is a derogatory entry on my credit report, stating that I haven't made any payments. This damaging entry has caused my credit score to plummet by a staggering XXXX points, severely affecting my overall financial well-being. It is incredibly disheartening to see my credit suffer when I have made sincere efforts to resolve the issue, but my attempts have been met with frustration and dismissal. 

Despite making multiple calls to seek assistance, I am confronted with the same frustrating outcome - nobody can locate my account, making it impossible for me to rectify the issue or make any payments towards the credit card. This has placed me in a helpless situation where I am unable to address the problem, leading to an unjust and detrimental impact on my credit history. 

I am in the process of purchasing a house, and this erroneous credit report entry is causing significant hurdles in securing a mortgage and achieving my long-standing dream. This situation is incredibly distressing, as it is not a result of any negligence on my part, but rather a failure on the part of the credit card company to properly handle my application and account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
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:
My name is 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.

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 2022-11-18
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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 filed a complaint # XXXX against Transunion, They responded that I was not one of their customers or a customer representative and they could not address my complaint. Transunion is playing games to get out of taking responsibility for allowing XXXX XXXX XXXX to report a fraudulent debt. They know good and well I am a customer and I have a credit file with them. They know who XXXX XXXX XXXX is and they know that they are authorized to investigate. They have addressed numerous complaints I have already filed against them. They need to quit playing games and answer my complaint. They are allowing debt that the SC Attorney Generals office ruled to be fraudulent to be reported on my credit report. Transunion knows this debt is Fraudulent yet they continue to allow it. Quit playing games and justify why you ( Transunion are allowing a debt that was ruled fraudulent by the SC Attorney generals office to be reported on my credit report. The CFPB need to make them stop playing games and address the complaint. Justify why you Transunion are allowing a debt that was ruled fraudulent to be reported on my 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