BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I cosigned for a used vehicle un XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who used Credit Acceptance Corporation after 1,2 or 3 months XXXX XXXX of not making the payment Credit Acceptance continued to allow them to get further behind until it was XXXX behind once the XXXX XXXX XXXX  was repossessed i retrieved the car & have not missed a single payment since however since then I have learned how they targeted a low income family by selling them a used car at a new car price they also have been charging an unfair interest rate late fees and they have also settled 3 class action law suits in New York Michigan & Missouri for the exact same reason they also charged XXXX to email paperwork from XXXX XXXX to Credit Acceptance Corporation bringing the financed price from XXXX to XXXX i would also like to add i never seen the car before signing however I honestly believe it was possible only worth XXXX or XXXX XXXX there is so much to say however i will stop here for the moment Thank You 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 explanation
Consumer complaint received 2024-01-31
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a charge on my credit report from a XXXX XXXX that was reported in XX/XX/2019 for the amount of {$2500.00}. The debt does not belong to me. The social security number on the profile doesnt match my official social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I Joined XXXX XXXX Military XX/XX/2003 and am still currently XXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that money paid over the interest limit refunded to me and my interest rate lowered to the Louisiana XXXX limit. XXXX XXXX XXXX XXXXXXXX. I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.

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 2024-02-06
Company: Stellantis Financial Services US Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was totaled by insurance company XXXX XX/XX/2023 insurance covered a portion, XXXX my gap coverage covered a portionXXXX i have a XXXX warranty that initiated to be canceled XX/XX/2023 First Investors ( my finance company ) initiated the cancellation they advised it takes 4 weeks to complete I have called and made several attempts to resolve my concerns i was told that i would receive requested document and that the amount I owe would be negotiated once the warranty funds were placed towered the remaining balance I can not move forward and return to normal living until I'm able to close out loan the balance owed to First Investors IS XXXX I have spoken with several reps with no end solution.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$4300.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX has been asking Experian, XXXX and XXXX for corrected copies of his credit report since XXXX. Experian has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had 2 prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from Experian, XXXX and XXXX stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like Experian, XXXX and XXXX are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is Experian, XXXX and XXXX allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, Experian, XXXX and XXXX has allowed the false reporting of the status of XXXX XXXX 's child support. For years Experian has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, Experian, XXXX nor XXXX provided any. XXXX is retaining legal counsel against Experian, XXXX and XXXX if these acts of libel and false reports continue to ruin his credit.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion, XXXX and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not XXXX of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.

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 2024-02-06
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CBNA is still reporting an account that is not familiar to me on my credit reports! I requested they send me a copy of the original contract with my signature, all charges and all monthly statements and they ignored me! I then filed a dispute with XXXX and they waited a couple of days and just said the company said it was correct and did nothing!! That is NOT VERIFYING A DEBT AND IS NOT INVESTIGATING A DEBT TO DETERMINE IF IT BELONGS TO SOMEONE!!! I have had my personal information hacked 10 times since XXXXXXXX  and have a RIGHT TO HAVE CORRECT INFORMATION ON MY CREDIT REPORTS AND NOT PAY A BILL THAT IS NOT MINE!!! This account has never been verified as mine!! PLEASE ENFORCE THE LAWS!!! THEY HAVE BROKEN THE FDCPA AND FCRA!!! THE CREDIT REPORTING AGENCIES ARE JUST AS LAWLESS AND ARE GUILTY OF THE SAME AS WELL AS AIDING AND ABETTING THESE BUSINESSES!!! 
Account name CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX Status Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXXXXXX 
Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at experian.com/upload. 
Cancel dispute Add a statement Upload

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This ongoing failure to address the fraudulent account is not only damaging my credit score but also causing undue stress and hardship. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is inconceivable that, despite the gravity of this situation and the clear evidence presented, the fraudulent account has not been promptly removed from my credit report. I am wondering what kind of investigation you are doing when this fraud account still pestering my credit report. I am reporting the account as fraud account and I am an Identity theft victim due I am not aware of its fraudulent activity. I had previously disputed many fraud accounts, and they were proven frauds and removed from my credit report. I am very sure that this account was one those frauds as I dont remember any contract binding with this account!!! 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable I demand an immediate and thorough investigation into the processing of my dispute and an explanation for the prolonged delay in resolving this matter.

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 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : I am writing to file a formal complaint against Bank of America 's credit card department for charging me late fees since XX/XX/2023 to present, despite having an active auto-pay set up from my bank account. Throughout this period, I did not receive any notifications about missed payments or potential late fees, either via phone or electronic communication. 

Details of the Complaint : I have maintained an auto-pay for my Bank of America credit card account since the account was open. 
Since XX/XX/2023, my bank statements confirm successful automatic payments made towards my credit card on the due date each month. 
Despite these timely payments, Bank of America charged me late fees every month from XX/XX/2023 to present. 
I never received any notifications about missed payments or potential late fees from Bank of America, either by phone or electronically. 

Impact of the Complaint : These late fees, charged in error, have caused me significant financial hardship. They have negatively impacted my credit score and caused unnecessary stress and frustration. 


I am also willing to provide any additional information or documentation that may be helpful in resolving this issue. 

Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, 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 2024-02-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open BNO Bank account to receive promo after XXXX days with {$4000.00} money direct deposit. 

When I opened on their website it made me open XXXX accounts, could not open unless I opened XXXX different accounts. I did not want to open both accounts, but it forced me to. 

Was not XXXX XXXX fined for this a few years ago? 

The promo is for XXXX direct deposit into checking account, but my first XXXX deposit was into saving account on XX/XX/XXXX by mistake, I request that they account that deposit towards my promo fulfillment. that is issue XXXX. 

XXXX  issue is with money from XXXX to open account was made, but i want to know why the last XXXX digits list on BMO website is different than my XXXX account, why is this?

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 2024-01-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was phished XX/XX/year> and gave out my credit card number. A few days later my bank notified me about a purchase w my credit card which I had not authorized. I notified my bank of this same day and requested a new credit card. I wrongly assumed bank would reverse charge. But in XXXX bank notified me my debt was in collection agency. I sent a letter disputing the charge. A few days ago bank sent letter saying they found no fraudulent activity. I called bank XX/XX/XXXX and asked to put in another claim. I have always paid my debts on time and up until now had good credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07
Company: Experian Information Solutions Inc.
State: MO
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:
Still lying is more like it EXPERIAN WORKS ON NOTHING BUT STALLING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 non-monetary relief
Consumer complaint received 2024-01-30
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We refinanced a mortgage with Freedom mortgage and set up an escrow account for taxes and insurance. We provided them proof of insurance as a closing stipulation and had the lender mortgagee clause added to our policy. Last year we received a notice that they didnt have record of our hazard insurance and they would be purchasing their own hazard insurance on our behalf. I tried calling multiple times and either the number didnt work or when I left my call back number, I would never receive a call back. Everything felt like a scam so I called Freedom mortgage, not the insurance department number that was on the notice, and they told me that it was likely a scam. Just to be sure, I uploaded a copy of our insurance to the portal for Freedom mortgage. I didnt think anything about it again until I just got another notice. I called the number and this time I was able to get through. They let me know that they charged me {$1700.00} last year for this scam hazard insurance policy and have already billed me again on the XXXX of this month. I just found out that my wife went ahead and paid the premium with our real insurance provider because she didnt know insurance was escrowed. All of this is a scam! Freedom mortgage was provided all of my hazard insurance information when I closed on my mortgage and moreover, I uploaded my policy in my loan portal. I want to file a formal 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 explanation