BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
On or about XX/XX/XXXX I woke up normal time ( XXXX ) and looked outside. My XXXX XXXX was gone. I called the police and reported it stolen. This was during the time the XXXX Boys were all over the news for stealing the XXXX and XXXX cars. I filed the next day, a claim with my insurance XXXX and also email my lender, Credit Acceptance. At this time my attorney told me to not to pay on the car as it was stolen and that XXXX will be able to pay it off. I also had XXXX Insurance as well for coverage. By XXXX XXXX notified me that Credit Acceptance did not get back to them. I continued to email Credit acceptance with no success. I also sent letters to Credit Acceptance asking them to please get ahold of XXXX. XXXX let me know the rental car I was using would expire by XX/XX/XXXX so I went to XXXX XXXX and purchased a new XXXX XXXX XXXX. My credit report was pulled and I was approved by XXXX for a new car loan. I drove the new car home on XX/XX/XXXX. Everything was great! Then on XX/XX/XXXX, on XXXX XXXX in XXXX, I was hit by a XXXX and the new car was destroyed. The insurance for the individual XXXX told me to go to XXXX for a rental car until the claim was paid for the car. I did. The rental car was good until XXXX as XXXX decided to only allow so many weeks. I went to borrow a car from a friend and used it until XX/XX/XXXX when it broke down. I was able to secure another car from a friend temporary. Why the delay? I have been dealing with health problems because of the accident. 
On XX/XX/XXXX I applied for a car/loan again with XXXX XXXX XXXX The sales person called me back and said Why is there a repo on your credit report? I told him no that car was stolen. He said the payoff looks like {$2500.00}. I said NO I had XXXX year left and owed {$4800.00}. He said that is not what Credit Acceptance is showing. I email Credit Acceptance and AGAIN, they refuse to answer. 
I called my attorney and he said facts are simple : If they did repo the car, why did not my credit report show it back the end of XXXX? Second, I was NOT given the right to cure the alleged default. Third, I was not given the right to retrieve my personal belongings. If this is true, my rights were definitely violated. 
It is so hard now to get a loan. I hope no one else has to deal with this situation. 

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 explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: LA
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:
Credit Dispute-Failure to Honor Insurance Claim and Filing a bogus and unsubstantiated derogatory credit remark. 

XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to fax Regarding the Item identified on the credit report as XXXX opened XX/XX/2020, date of last payment XXXX XXXX, and as a charge-off for {$8400.00} with a past due amount of {$6300.00} reported by XXXX XXXX XXXX XXXX XXXX I believe this is a false derogatory credit claim caused solely by the lender or creditor, identified as XXXX XXXX XXXX XXXX ; and of no action, nor inaction of this lendee in total nor impart. 
Attached, I have supplied copies of communications supporting that the remaining, outstanding amounts or balance of said loan ought to have been satisfied by the Guaranteed Asset Protection Insurance Provider, in full effect at the time of the loss. 
The attached documentation will support that unknowingly to this borrower, and while I was ill, incapacitated, and recuperating from the XXXX XXXX  : XXXX XXXX XXXX XXXX, after having received a total loss, pay-out from the insurer of the at-fault party and finding a remaining balance, did initiate a claim with the Gap insurance for the remainder of the balance owed. 
XXXX XXXX XXXX  nor the GAP provider has contacted at any time this borrower, It is now alleged by the Guarantee Asset Provider that XXXX XXXX never completed the submission of all necessary documentation to process the claim or to receive payment. 
XXXX XXXX XXXX XXXX Alleged that documentation competed. 
To date, the amount remains on my credit report as a derogatory remark and failure to pay, this borrower did attempt on multi [ le occasions to communicate with the lender and the GAP insurance, only to be offered a settlement payment plan to satisfy the outstanding amount.

Also, the GAP insurance provider alleges that although this borrower took the initiative to collect all possible supporting documents and forward copies to both parties, due to the amount of elapsed time since the initial filing that the claim would no longer be considered for payment. 
The premium paid for said GAP insurance at the time of purchasing this automobile has been and continues to be unreturned or reimbursed as requested. 

-- Sincerest Regards XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have talked to the company, and sent police report along with notarized statement that the account was fraud. I filed a dispute with credit companies. Spoke with a representative on XX/XX/XXXX and disputed the account-the account was removed on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX and she indicated the account was placed back on the report. I relieved a letter from the credit company and Northstrom that account was being removed. This a fraud account, all of information was taken and three accounts were opened on the same day. 
My XXXX  confirmation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was XXXX time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.

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 2023-03-18
Company: Mr. Cooper Group Inc.
State: MI
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:
It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. 
Under Federal law, they had 30 days to complete the investigation and by failing to do so, the item must be removed from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
I have unauthorized inquires listed on my consumer report. I have filed the proper reports to have these illegal items removed from my report and have yet to see any changes.

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 2021-12-02
Company: CURO Intermediate Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: GA
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, the consumer did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Pursuant to XXXX XXXX XXXX, block and remove them from my consumer report : Inquiries XXXX. Equifax Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Accounts 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 2018-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I inserted a complaint here on XX/XX/XXXX. I received a response via your website and responded I have yet to hear from CFPB or Portfolio. have contacted Portfolio several times via mail over the past 90 days, after inserting a compliant with CFPB they sent me two letters one XX/XX/XXXX and the other XX/XX/XXXX simply stating the debt. Portfolio also mentioned in their letter they tried to contact me via phone. I have not given them my phone number and based on the year they obtained the account their company would not have had my phone number. I will only commuicate with them in writing. I requested proof of the debt in every letter sent i.e.

copies of signed agreements for original creditor & complete accounting of debt to assure accuracy.

I have received NONE of those items however Portfolio insist their simple letter is proof enough when the FDCA 809 ( a4 ) states the debt collector will OBTAIN verification of the debt and a copy of such verification will be mailed to the consumer. They did not do this although I specifically asked for what I needed to move forward with this account. 
I HAVE ATTACHED BELOW THE FIRST AND ONLY RESPONSE I RECEIVED FROM PORTFOLIO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am the author of this complaint as well as the attachment that is being sent. I XXXX XXXX checked my consume report and noticed unauthorized inquires reporting. I reached out to Equifax and to no avail I did not receive a solution. Equifax has violated the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Congress has made findings and according to 15 USC 1681 the banking system is dependent upon fair and accurate credit reporting. I can not get approve for the products and services offered by institutions because Equifax is reporting fraudulently and inaccurate items on my credit report. These inquiries has been furnished without my consent, I DID NOT AUTHORIZE ANY OF THESE REPORTING INQUIRIES. There was no permissible purpose and is a violation of 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Remove these inquires as seen on my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The uploaded inquiry removal letter has also been sent to Equifax via certified mailXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Steps taken in an attempt to make a payment to Apple GS Bank Card. 

- Over 6 hours on the phone with customer service, customer service supervisors. 

- Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received. 

- Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction - Inquired about possible auto-pay directly to GS Bank via home bank auto-pay - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to collections - Inquired about any other possible payment methods OUTSIDE OF creating another bank account - Spoke with manager as Goldman Sachs corporate office, said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, I was informed this will not be removed - Discussed options with a licensed attorney - Opened a dispute with XXXX  credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions 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:
victim of identity theft please fix and correct my 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
Consumer complaint received 2019-11-20
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had a mortgage with Sun Trust. We would make payments and they would cash our checks, however they would not apply our payments to our loan, they would put it in what they called unapplied. They would in return mail us a check back drawn on their bank. We would have to deposit the check into our account and send them another one. They would apply that one to our loan however, they would charge us a late fee and reported it as late. 
We have made numerous calls to Sun Trust and requested them to look in to this. They said that they did but would not remove it from my credit report. I feel that this is borderline a deliberate act from Sun Trust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: MoneyLion Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Duncan Solutions, lnc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently sent a notice of debt by the XXXX XXXX XXXX XXXX XXXX XXXX  ) regarding a Toll I did not pay in Georgia. 

When the picture was taken of my car I had an XXXX XXXX XXXX XXXX in my home state of XXXX 

I called the XXXX and discussed and provided them my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The woman on the phone verified my account with XXXX XXXX  and said they would get the money from XXXX, ( for tolls, not violation ) as I was in accordance with the law. 

I then recently received a collection notice from PAM ( Professional Account management ) I attempted to call the company in order to discuss and receive an email address so I could craft and write a response within the 30 days as requested. They stated they had no email and that I needed to send a letter in writing, I told them I could not track that and based on the need to prove that I had written to them I wanted an email confirmation. The person on the phone stated that I would need to pay the fees to them and then I could contact XXXX to get a refund. 

That doesn't seem very normal. I asked what are next steps then, I was told to pay the toll or I could suffer further consequences. 

1. I don't actually owe the violation 2. Even if I did, Their is no way of paying ( I have sent screenshots of the letter and my attempt to see my debt on their website XXXX. XXXX XXXX XXXX XXXX XXXX  claim they are in concert for drivers, but that does not seem to be the case. 

What should my next steps be?

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