BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is very common and after my parents died I had no money, car or home.I found a job and needed a car.I went to a crooked car dealer named XXXX in XXXX Texas back in early XXXX.Told me the car was perfect no issues.I had taken the bus all the way to his company.He rushed me and changed the price on the car to get me in and out.The cluth fell out the car almost instantly after I bought it.I reached out to them and did a voluntary surrender but never missed a payment.On my credit reports they are not matching.Without my permission and after reporting incorrectly saying I had missed payments which I did not, they sold it to a company called Credit Acceptance.I did not give them permission to sell my account to a third party as well as the dates are incorrect and only all 3 credit reports its not matching up and under the Fair Debt Collection Practices Act I did not give any permission to have this sold to Credit Acceptance.I tried to reach out to the original XXXX who sold me the car but no response and this happened in XXXX.Also I keep getting updates that the balance was increased on 2 of the 3 reports but on XXXX it is closed and not increased so its false information reflecting because its been a closed account for years but now now on 2 credit reports out of nowhere its adding an increased balance for a closed account? An account thats been closed for years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view the attached items as they will show proof of my identity and proof of my complaint.

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 2021-05-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a cash out refinance mortgage on a home we have lived in and paid a mortgage on for the past 19 years. We went thru Penny Mac and an woman named XXXX XXXX was the agent we dealt with. She seemed intelligent and eager to assist us and get our business. I was apprehensive to have any type of hard credit inquiry done for just an initial estimate to get some numbers and I told her as much because other lenders were also interested in us and wanting to do soft inquiries. These inquiries effect your credit rating. So she had us fill out all type of forms on line and we had to agree to receive all documents on line to do business with them. I reluctantly agreed and her assessment was we qualified and we had more than enough equity in our home and then some. So after submitting all requested documentation and long phone discussion in which we told her this was a manufactured home. We were told by XXXX in order to lock in our quoted rate we were required to give them a deposit of XXXX for an appraisal and that WA state required that much of a deposit. So we got the application signed all paperwork submitted ( which also stated this was a manufacture home ) and paid them the deposit via credit card over the phone and all was done. I get a phone call the next day from XXXX saying she had some bad news! So after collecting all of our personal sensitive financial information, bank statements, mortgage statements, insurance declaration and our XXXX deposit for the appraisal she informs us that Penny Mac doesn't lend money on manufactured homes? Now it's going to take 7-10 business days to get a refund on our XXXX deposit for an appraisal. Who collects the interest on that XXXX fee for that 7-10 business days and how much money is that if they do it to hundreds of applicants a week? She should have known the loan would not be completed when we told her it was a manufactured home not to mention that was also available information on all the documentation we provided prior to making the XXXX deposit on the appraisal. These people are completely incompetent!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: AZ
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

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. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: American Credit Acceptance, LLC
State: LA
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:
Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with American Credit Acceptance for account # XXXX. My account with American Credit Acceptance was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from American Credit Acceptance. Recently even received a notice of a XXXX credit from American Credit Acceptance. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to TransUnion XXXX and XXXX by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to TransUnion XXXX and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to TransUnion XXXX and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

TransUnion XXXX and XXXX has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
We have been trying to get credit disputes off my reports from all three credit bureaus so that we can get a mortgage we called, faxed and wrote all three agency 's with no resolve. We are not disputing charges and in fact paid some off.

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 2021-05-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/XXXX, I made a post on XXXX XXXX attempting to sell an item. I received a message from someone I thought was a potential buyer who inquired regarding the price of the item and insisted on paying through XXXX. Having used XXXX regularly before without issue, I provided my XXXX information and then received what looked like a legitimate email from XXXX confirming that the money had been sent. After this, I began to receive a series of strange emails that I still thought were coming from XXXX that stated the buyer had paid an increased sum, first of {$1000.00}, then of {$2000.00} more, to " expand my account limit '' and turn my personal XXXX account into a business account since the transaction was for a larger sum ( {$500.00} ) and that I would need to refund the buyer and send screenshots confirming I had done so through either XXXX or XXXX XXXX  in order for the transaction to proceed and for me to receive the total amount of {$3500.00} that the buyer had paid to XXXX, which they told me was already credited to my account and would go through upon receiving the confirmation screenshots that I had completed the refunds. I refunded the buyer {$2000.00} of the {$3000.00} as that was all I had in my account at the time, but received no confirmation from XXXX as expected and did not have the funds credited to my account. I called XXXX and provided them the transaction numbers from the emails and was informed by the Customer Service agent that these emails were part of a XXXX scam and not actually coming from XXXX, and that they therefore could not help me. I attempted to contact both XXXX and Chase Bank, the bank I have my XXXX account set up through, to address this issue, and was never able to get ahold of a Customer Service agent for either service in spite of hours spent on hold. The only information I could find was a statement on XXXX 's website which said they were ultimately not responsible for such instances of fraud, although they have apparently become increasingly common. I threatened to report the buyer and receive a refund of the {$2000.00} I had sent her, and she continued to insist she had sent it and it would arrive, and still continues to do so, but I have not yet received any of this money back to date, nor do XXXX, XXXX, or XXXX seem willing to address the issues of fraud that have led to me losing this money. I have attached screenshots of everything, from the fake XXXX emails, to the XXXX screenshots from my end and the fake buyer, to our conversations over XXXX XXXX and my initial XXXX XXXX posting, to provide the complete picture of how exactly this scam occurred and resulted in this loss of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$700.00}

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 2021-05-28
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 I disputed an alleged debt on my credit report thru equifax from the debt collector agency XXXX XXXX XXXX XXXX in the amount XXXX dollars. The dispute was said completed on XX/XX/2021. The completion of the dispute resulted in meeting compliance with FDCPA 15 USC 1692 and the account was closed which it should have been removed per my request. Days later the same disputed alleged debt was reported back on my equifax consumer credit report. I was not notified in writing within a 5 day period that said alleged debt would be reported back in to my credit report by Equifax. This is a violation of my consumer rights in accordance with 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified on XX/XX/2023 by my homeowners insurance company, XXXX, that they are canceling my insurance in 11 days due to non payment. 

I was shocked my lender forgot to pay it, as my homeowners insurancr and property taxes are paid out of an escrow account they hold. I have called to tell them the problem and only been hung up on. 

Please see attachement of the email I received from my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: BBVA FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We financed the purchase for a 6 year term through the dealership which used BBVA as the lender. On XX/XX/XXXX, we paid the remaining balance on the loan. On XX/XX/XXXX, we purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, LA. When the salesperson tried to call BBVA to get a " Release of Lien '' document, which is common practice, she was told that we would have to wait 7-10 business days before they could send it. Our salesperson asked if the Release of Lien could be emailed or faxed and was told that it could not. Our salesperson expressed to us that she had never witnessed a bank do that to a customer who had paid off a car loan. Since we did not finance the new car, we were given a five-day temporary tag from the dealer. On XX/XX/XXXX, I called BBVA customer service to ask if the Release of Lien had been sent and was told no. I called every couple of days after that up until today, XX/XX/XXXX, and I have still not received a Release of Lien or title. The last time I called was XX/XX/XXXX. I was told that the account was closed on XX/XX/XXXX and that the Release of Lien was mailed to my dealership on XX/XX/XXXX. It is now XX/XX/XXXX, and we have not received the Release of Lien, title, or money owed to us for the overpayment of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called and requested a debt validation letter that included an itemized statement in XXXX of XXXX  and they asked me to send a request via email, which I did. I received no letter. I called again in XX/XX/2023 ( they have record of this phone conversation ) and requested the letter again. I waited 30 days, still nothing. I called today and ( XX/XX/2023 ) once again requesting the debt validation letter and asked why I hadnt received a letter after the last two attempts. 

They said they hadnt sent it out yet. Im so frustrated with the lack of response, I just want to see proof of this debt so I can pay get it over with. In the meantime they keep raising the debt owed with interest charges when I could have paid this months ago at the original price.

Company response to consumer: Closed with explanation