BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
A few weeks a go, a friend of mine went into victory XXXX located in the XXXX, NY to purchase a car @ XXXX. He needed a co-signer for the car in which he was told that the car will cost him {$530.00} per month. And he will pay biweekly for XXXX mths and then his co-signer would drop off. I agreed to co-sign. XXXX hours later they came back with a paper for both of us to sign. They took us in the darkest room, and we asked about the lighting and they said we are packed tonight. So they they asked us to sign. My friend XXXX XXXX asked why is my co-signer signing first and they replied this is how it goes now, everything is good. We asked for a copy of the contract and they replied you have to come back for that when the bank is open. XXXX was given the vehicle XXXX hours later. We we back days later asked for the contract and they didnt have it. XXXX noticed that the vehicle had some issues tired, dent, wipers, and some other things he went back to have repaired and they still refused the contract. One to Two weeks later I received several letters from credit acceptance stating that I am a owner of a vehicle. I quickly called and conversed with the representative at credit acceptance and explained to them the scenario. They advised me to take the car back and we did. Custody refused to take the car back. They said credit acceptance was closed. I called credit acceptance and kept them on the phone did ring the whole entire visit to victory XXXX. Please refer to the recorded phone call. The representative asked the guy who was portraying to be the manger to give his name and he have a faulty name. He continued to change his name during the whole entire visit. He said that they were not allowed to give XXXX a contract, they couldnt provide him one because it was a paper file, they didnt use computers, they didnt have a return policy, they did not have a return policy posted, they refused to give me a copy of a return policy, they refused to let me speak to anyone with authority, and they threaten to have me put out if I didnt leave. And they said the bank put me first on the loan not them. They said the bank told them not to take the vehicle back. They also said the bank made all the mistake and decisions. I am asking you to void the contract. I am not employed. XXXX can not afford the bill. They lied to him about the payment amount. They placed a vehicle that I do not have chess too in my name, which is perjury. They refused his a contract.

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 2023-01-05
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/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 2017-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I had called capital one on XX/XX/XXXX a day after my due date of XX/XX/XXXX I asked agent id # XXXX to wave my late fee because i was a day late and to make a payment. Then i set up auto pay so this would not happen again, they waved the fee, i made a payment and set up the autopay but unknown to me they never processed the payment and i didnt know till i got my next statement and a alert of my credit report for being 30 Days late after filing for a personal loan for a medical purpose. I called and opened a dispute XX/XX/XXXX with agent # XXXX on XX/XX/XXXX i called back and explained the issue and agent # XXXX waved my XX/XX/XXXX late fee because in fact i shouldnt of been late since i thought i made a payment but they didnt process it and my auto pay wasnt enough to cover the past due amount from capital one not processing my XX/XX/XXXX payment after doing so by phone. On XX/XX/XXXX i received letter from dispute saying they listened to call and i didnt make a payment i called agent # XXXX who put in for someone to listen again. I got a call the next day from agent # XXXX from florida, saying she heard the call and i didnt make a payment but i know i did at least i was under the impression that i did. I then called back on XX/XX/XXXX again and spoke to agent # XXXX who was in utah, who i have recorded under the federal one consent law 2511 part 2 subpart D under instructions from my lawyer. This agent agreed that they would only wave that fee if i was making a payment and then seen how they also waved the XX/XX/XXXX fee and then informed me that she could see that i called in to make a payment. This same agent told me she would talk to her upper management and get back to me but hasnt in 2 days in which i called back and spoke with agent # XXXX from virgina who along with every other agent before XXXX would refuse to even try and help me. I would never waste my time arguing about this! I have more constructive things to do then waste my time, but the problem now is my credit score dropped XXXX points and i filed for a personal loan for a medical purpose and was denied for a recent late payment being this one so now it has cost me a finacial hardship along with defamation of character and capital one has refused to report to the credit bureaus that it was a mistake on they 're part and correct it. I included the statement showing the XXXX fees being waved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted 75 or 80 % back than. and currently displaced homeless due to financial issues. I was in XXXX XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to XXXX  and went straight to the XXXX XXXX to see what the issue was, I was told to call XXXXXXXX XXXX  agency because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this XXXX XXXX  have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of XXXX ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA. 
The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts 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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX, NY 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 2015-07-08
Company: Pinnacle Asset Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Pinnacle Asset XXXX called me and my employer at least XXXX times each. Trying to collect on a debt that is 20 years old and NOT mine! Saying they are going to garnish my wages. Wo n't give me an address to send a cease and desist letter. Telling my employer they are going to garnish my wages if she does n't give them information on me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-25
Company: Creditrepair.com, Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Credit.con is doing something sneaky with my account. They wo n't let me access my credit score and when I tried to delete my account with them they tell me I 'm suspended! They must be up to no good and I ca n't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2020-07-30
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were solicited by Rocket Mortgage ( Quicken ) for a refinance of our VA home loan. We started the process around XX/XX/2020. We provided the required documentation no later than XX/XX/2020 to Rocket Mortgage. We were advised that from here on out, the loan would go to final underwriting and we would be scheduled to close by the end of the month of XXXX. Due to technical difficulties on Rocket Mortgage 's side ( a missing disclosure that they were unable to send electronically ) we did not close at the end of XXXX. We provided the executed disclosure and advised we would close at the end of XXXX, as to minimize the prepaid interest amount we would pay on the new loan. We had no contact with Rocket Mortgage regarding our final underwriting and when we would be clear to close. After being assured we would close at the end of XXXX, I sent an email of complaint to Rocket mortgage on XX/XX/2020 and to date have not received a response. On XX/XX/2020 ; I spent more than 3.5 hours on hold asking about the status of my complaint ( which two customer services reps ignored and failed to address ) and one chat where I was asking questions regarding the HUD-1 Settlement statement, first payment date of my new loan, and the delay in this process. 
I questioned the following on my Preliminary HUD : Payoff provided by lender ( attached ) is {$210.00}, XXXX Payoff listed on HUD ( attached ) is {$200000.00}. 
Unable to explain the delay in Clear to Close from XX/XX/2020 to present Unable to address the reason for not closing prior to XX/XX/2020 ( initially scheduled ) Via Chat, I expressly asked that we receive a call no later than XXXX tomorrow and that the closing is cancelled until my inquiries are met. The package, estimates et all are all prepared and still reflect that I am closing on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I want to report that on XX/XX/2021 I used XXXX  and my Arvest bank account to pay for XXXX tickets that I ultimately did not receive. I have reported this with the Federal Trade Commission. The Federal Trade Commission has directed me that I am entitled to request my funds be returned to my account and ask Arvest to pursue the individuals involved in the transaction. Arvest has not even responded to my attempt to inform them of the situation. 

Payment of {$370.00} through XXXX via Arvest to XXXX XXXX XXXX XXXX XX/XX/2021. 

There was a man involved, or at least a mans name being used, XXXX XXXX. The email address associated with the above transaction is/was XXXX He reported that XXXX is his wife and the account is through her.

I found out that this happened to another person on the ticket site from this same " seller '' but he was selling hockey tickets ... .under the same name, on the same site, after he did this to me.

I hadn't reported it sooner because I wasn't aware the tickets he sent to my email were not valid. They appear valid but are not. 

It's Extremely misleading to have XXXX  on the Arvest banking/billpay page. The implication is that XXXX  is trusted by Arvest and therefore the consumer will be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: AZ
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:
Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I initiated a dispute of ( according to my attorney ) blatantly unlawful credit reporting to Equifax by XXXX on XX/XX/2017. Equifax assigned this dispute the number XXXX. 

As of today, XX/XX/2017, or over two months later, this dispute is still marked " pending '' in the online system Equifax uses to provide dispute results to consumers. I called about this dispute several times and was told variously that " it 's a website issue '', " be patient, this dispute is taking extra time '', " this dispute was resolved and you did receive the results '', etc. 

I have never received the results of this dispute. I have asked the customer service representatives to mail a copy of the dispute results but that has never arrived either. 

Equifax 's failures, to 1 ) delete the erroneous information in a timely fashion and 2 ) to provide notice of dispute results within the proper time frame, constitute violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at the Bank of America branch located at XXXX XXXX XXXX, XXXX, NC XXXX, I made a CASH deposit of {$9500.00}. The amount credited to my account was {$5900.00}. The teller whom I made the transaction with acted very strangely during the transaction. The receipt I received was very pale and I couldn't make it out. I verified verbally with the teller the deposit amount. 
At the time I was traveling and moving to another state ( solo ) and was out of my normal element, routine. I have health issues that effect my near sight. Add to that, it is very difficult to find certain transactions with the online banking app ( inability to view transactions by type so I can easily verify deposits, its like searching for a needle in a hay stack ). I didnt realize what had happened until the next month. 
The bank is unwilling to look into this beyond an accounting error. Their accounts add up because this was not an accounting error. I was tricked and cheated by the teller. Their security footage will show this. They refuse to investigate or do anything beyond the accounting check. I want the bank to correct this situation and return my money.

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 2021-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.

Company response to consumer: Closed with non-monetary relief