BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: American Credit Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, American Credit Acceptance voluntarily relinquished rights to the property and deleted the accounts associated with the account once held for the consumer in response to a correspondence sent to XXXX XXXX, then CEO of AMERICAN CREDIT ACCEPTANCE LLC, from the consumer for noncompliance and inaccurate reporting regarding the CARES Act : 15 USC 1681S-2 ( a ), 15 USC 1681S-2 ( b ), 15 USC 1681S-2 ( f ) ( 1 ), 15 USC 1681S-2 ( 2 ) and 15 USC 1681S-2 ( 3 ) on XXXX XXXX XXXX.

North Carolina General Statues 44A-3 outlines that when property is voluntarily relinquished ( rights to collection have ceased or have been given up/ charged off ) the lien terminates and that reacquisition ( repossession ) of the property shall not reapply the lien and it [ the lien ] becomes unenforceable.

44A-3. When lien arises and terminates.

Liens conferred under this Article arise only when the lienor acquires possession of the property and terminate and become unenforceable when the lienor voluntarily relinquishes the possession of the property upon which a lien might be claimed, or when an owner, his agent, a legal possessor or any other person having a security or other interest in the property tenders prior to sale the amount secured by the lien plus reasonable storage, boarding and other expenses incurred by the lienor. The reacquisition of possession of property voluntarily relinquished shall not reinstate the lien. Liens conferred under this Article do not terminate when the lienor involuntarily relinquishes the possession of the property. ( 1967, c. 1029, s. 1 ; 1991, c. 344, s. 3, c. 731, s. 2. ) AMERICAN CREDIT ACCEPTANCE LLC should and should've complied further to reflect the voluntary relinquishment, by removing the lien from the title of ownership however, AMERICAN CREDIT ACCEPTANCE , LLC. refused to do so against the consumer request and compliance to the statue upon voluntary deletion and relinquishment of the account. 

XX/XX/XXXX, the consumer learned that XXXX XXXX XXXX XXXX illegally " repossessed '' the vehicle described in the title of ownership belonging to the consumer allegedly under the orders of AMERICAN CREDIT ACCEPTANCE , LLC however, there was no repossession order reported to law enforcement nor a tow order which resulted in a larceny report on the vehicle reported by the consumer on XX/XX/XXXX. XXXX. 

After learning about XXXX XXXX XXXX XXXX and AMERICAN CREDIT ACCEPTANCE 's Illegal possession of the private personal property, I made demand for its appropriate return and they both declined and continued in possession of the property of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and / or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all my information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: AR
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 file has been compromised. Again, I was going through my records & noticed information, accounts or items 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 accounts and information which were 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 remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: NV
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: Problem with personal statement of dispute

Complaint:
I have disputed this problem over and over but once XXXX XXXX XXXX send info to CFPB or the credit bureaus it is taken as accurate instead of looked at and investigated. So once again I ask CFPB to investigate the reporting of my account to the 3 credit bureaus by XXXX. My account is being reported as 30 days late when my payments to the fall between 1-29 days late. Example : My XX/XX/2021 payment was made on XX/XX/2021 which would make it 5 days late. XXXX reported my account as 33 days late to the credit bureaus. My XX/XX/2021 payment was current and paid on XX/XX/2021 so my account was current. XX/XX/2021 would have made my account 33 days late if I hadn't made the payment on XX/XX/2021 or anytime before XX/XX/XXXX but my account was reported to the credit bureaus before that time which makes it fraudulently reported. The Fair Credit reporting act states that an account can only be reported to the credit bureaus 30 days after the due date. My due date each month is on the XXXX of each month. XX/XX/2021 is 5 days not 33 days late. I called XXXX  and tried to get answers as to why their reporting and accuracy of my account is so different from when I made payments and my bank statements and again the answers that I got was all over the place. I spoke to two different employees one of which was a supervisor XXXX whom I ask about reversals of payments that were made. None of my payments have been reversed or unpaid by my banks. I pay with a debit card every payment and if there is no available funds the payment will not even submit to XXXX. I was told that I had made payments by giving my checking account info, never and the last four of the checking account that he gave me isn't associated with me or any of the 3 bank accounts that I have made payments thru. Again I have NEVER made a payment to XXXX  using checking account information. I have always paid with a debit or credit card. XXXX has also charged a NSF fee to my account when none of my payments has ever been denied or returned. This entire conversation was recorded by myself and supposedly by XXXX and yes I informed both employees before during and after the conversation that they were being recorded, both said XXXX XX/XX/2021 is just one of 19 times that XXXX has reported my account 30 days late when it wasn't. I don't understand their calculations of days but the FCRA and federal government makes it clear that reporting is 30 days after the due date not 30 days from your last on time payment!

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion never allows me to obtain a free credit report from annualcreditreport.com. I have had success obtaining XXXX XXXX XXXX. 

I always get this response from Transunion : Unable To Complete Your Request Online. 

Or this response : Unfortunately Your Request Can not Be Fulfilled Online At This Time. 

The problem is they then recommend that you request your report using one of the other options which is by phone or mail and that can take up to 15 days as opposed to getting it at annualcreditreport.com the same day.

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 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
On XX/XX/2023, I paid using Capital One 's mobile app from my checking account on app, my Capital One credit card ending in # XXXX. 

On XX/XX/2023, Capital One lost my payment. 
On XX/XX/2023, Capital One posted my {$100.00} payment as " '' OTHERS ''. 

This is consumer fraud, XXXX. XXXX business practices. 

I faxed XX/XX/2023 Capital One PaymenXXXX Investigations and they continue to lie, steal and cheat consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-09
Company: DIGITAL FEDERAL CREDIT UNION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I have sent a letter to XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from XXXX  a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. XXXX  violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. 
On XX/XX/XXXX XXXX  responded with letter that the information is correct but it is defiantly was not proof required by law.

I have sent them my second letter on XX/XX/XXXX giving them a final opportunity to resolve the matter but they ignored it and on XX/XX/XXXX XXXX  responded that the disputed information is the same as the last one and refused to investigate.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: MI
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:
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights : 1. XXXX ( Miscellaneous ) 2. XXXX  ( Miscellaneous ) 3. XXXX XXXX ( Miscellaneous ) 4. XXXXXXXX XXXX ( Miscellaneous ) 5. XXXX XXXX ( Miscellaneous ) 6. XXXX XXXX ( Miscellaneous ) 7. XXXX XXXX  ( Finance ) 8. XXXX XXXX XXXX ( Bank ) 9. XXXX XXXX XXXX ( Miscellaneous ) 10XXXX XXXX XXXX ( Miscellaneous ) 11. XXXX XXXX XXXX ( Finance ) 12. XXXX ( Miscellaneous ) 13. XXXX XXXX  SERVICES ( Bank ) 14. XXXX XXXX ( Miscellaneous ) XXXX5 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-05
Company: EQUIFAX, INC.
State: MI
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:
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights : 1. XXXX XXXX Miscellaneous ) 2. XXXX ( Miscellaneous ) 3. XXXX XXXX ( Miscellaneous ) 4. XXXXXXXX XXXX  ( Miscellaneous ) 5. XXXX XXXX ( Miscellaneous ) 6. XXXX XXXX ( Miscellaneous ) 7. XXXX XXXX  ( Finance ) 8. XXXX XXXX XXXX ( Bank ) 9. XXXX XXXX XXXX ( Miscellaneous ) 10. XXXX XXXX XXXX XXXX ) 11. XXXX XXXX XXXX ( Finance ) 12. XXXX ( Miscellaneous ) 13. XXXXXXXX XXXX XXXX ( Bank ) 14. XXXX XXXX  ( Miscellaneous ) 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: The Star Financial
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied for a mortgage loan for a house in XXXX XXXX, CA using Star Financial Corp. I received my pre-approval within 24 hours. After searching for houses, I entered into on XX/XX/XXXX for a house. After opening escrow on XX/XX/XXXX, I immedialty contacted the lender with additional info they requested to officialy sent my applciation to the underwrite. After reviewing my application within 24hrs, Loan Officer XXXX XXXX said he is not able to provide the loan. So I went ahead to other lenders quickly, while shopping around, he came back to me 4 days later and gave me a call and said he is gon na make it happen. So I provided all the docs to him again. A week goes by and he does not sent me a Loan Estimate with my rate. I asked him to send it multiple times but each time, he told me not to worry and he will make the loan happen. 2 weeks goes by and after him charging me {$630.00} for appraisal, he comes back a week after that ( 3 weeks from the start ) with the appraisal report notice and tells me appraisal came back so sign this form ( appraisal delivery form ) - XX/XX/XXXX. At this point I did not even have a copy of it. So I refused to sign the form and he got mad. He comes back same day with a loan estimate finally. He proposed a loan estimate with a rate of 7.25 % and over {$42000.00} in only origination fees not even HOA or taxes included only the fee he is gon na charge me to originate the loan. Interestingly he gives me a LE and I look at it and the rate lock started XX/XX/XXXX, which is over 20 days from the day we opened escrow and started my application. I complained about the insane interest rate and loan costs and he told me " You do not know what you are talking about. I am gon na give the loan to you and just sign it ''. After that he called me multiple times and also emailed me another LE with interest rate of 6.99 % and loan cost of over {$20000.00} and told me take it or leave it. I felt so much pressure and also he harassed me and he wanted to make me sign papers so he can over charge me. He also said, this all is gon na be fine, just sign it and we can talk after COE.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-05
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for Barclays Aviator AAdvantage credit card while I was on an XXXX XXXX in XX/XX/2022. The flight attendant advertised that if I applied and simply buy a qualifying purchase, which could be anything, I would automatically receive XXXX mileage points. I applied and was approved. I made my purchases. I assumed I had my promotion mileage to be used in the future. Today, I was ready to redeem as I had a flight to purchase. I checked my rewards and the XXXX points werent on there. I checked the rewards page. It stated I completed my qualifying purchase. I just didnt pay for my membership fee of {$99.00} within 90 days. I wasnt aware this was a requirement. I checked my payment history. I made my first payment of {$29.00}, second payment of {$29.00}, and third payment of {$100.00}. I knew these payments alone were enough to pay the membership fee. I called in to Barclay to get this resolved. They said when I make a payment, their system has no way of knowing what my payment was used to pay a prior purchase or the membership fee and thus unable to honor their promotion. The promotion was unclear and falsely advertised from the beginning. Ive been a good standing customer to both Barclay and XXXX XXXX. I should have been given the promotion as offered.

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