BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit Acceptance lied on several occassions 1 ) Stated dealer would cover repairs XX/XX/18 phone call 2 ) Not mechanical issue and wear and tear my problem even though car sold in such poor condition and unsafe. 

3 ) I never contacted them see response XX/XX/18 by credit Acceptance and my attached phone log. 

4 ) Lied in second response on when diagnostics received and requested and asked I send via a unsecured network. XXXX email address provided and diagnostics sent. Was told after sending that network not secure. 

5 ) Car would not have purchased if a warranty wasnt provided and again warranty had no pre exsisting clauses and implying I had knowledge of issues is also untrue. Dealer agreement with Credit Acceptance reguarding implied warranty being overlooked by Credit Acceptance for this case. Is online to see. 

6 ) Last response lied and all capabilities to get information on account status, payoff suspended right after submitting a false respone that is available and current. 

7 ) Calling Customer Service and they refuse to answer any questions requarding account and said will only send letters. 

8 ) Stated polies and procedures to prevent high mark ups in place but failed to state what and provide system uses to have prevented. Link attached 9 ) Contract never provided and on camera at dealership 10 ) Company retaliation, harrassment for fililing 11 ) States Credit reporring correct and no proff and XXXX XXXX isnt accurate? It is updated in seconds and very accurate. Still mis reporting credit balnces and major increases and decreases prior to any payments. Refusal to update recent payments or discuss.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
per 15 usc 1681 a ( 2 ) ( I ) report containing information soley as to transactions or experiences between the consumer and the person making the report.

section.4021. credit protection during covid-198 ( F ) banking, fininail where expected to accommodtion to defer payments and provide assistance this company can not report this information with out my consent and signture its agaist the law please see attachments of USC laws

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 2021-06-10
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I tried to transfer a {$180.00} balance with Venmo and was surprised to hear that they had frozen my account due to a " violation of our User Agreement ''. I grew suspicious when they froze my account after I sold the XXXX  that I had in my account and tried to transfer the cash back to my bank account. I received an email asking me to send in a picture of my driver license to verify my identity. I complied with that request and I promptly got with customer service via chat and spoke to representative XXXX XXXX She assured me that she would not be able to assist me because " another department is working on it ''. 
I asked why was it that my account suddenly was frozen when I tried to empty my small cash balance. I further explained that the monies were going back to the bank account that the funds were sourced from. I then asked why my credit card was frozen when I had never been late and they collected {$1300.00} from me in payments without a single returned payment in the month of XXXX. She said that she would not be able to help me. 
I let them know that I would be filing a complaint and then she said that she would have a supervisor reach out to me within an hour which never happened. Holding my funds without any explanation and not being able to provide me with information on any further action that I need to take to rectify any issues is very deceptive in my opinion and would like some help in ( 1 ) getting my funds and ( 2 ) finding out why they froze my account. I went through the user agreement and could not find any violations that apply to me as I have used their services within their standards and they even extended credit to me. Any help that your bureau can provide would be greatly appreciated. Thank you so much. 
I have attached the Venmo chat that took place for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: NY
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:
this complaint is from me a person XXXX XXXX is my name. this is not a complaint written by a company this is a serious complaint and should be treated as such. 
so I found out that I have accounts that i never authorized or agreed to. these accounts are in a report filed to the credit bureaus but they never removed the accounts.

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 2022-02-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX ( I believe operated by US Bank ) is completely shirking its responsibility.

1. I can not activate the card online. the system tells me to call the phone number.

2. I call the number and ( after a 60 minute wait ) I am told that I can not be helped until the card is registered online. I try day after day and still nothing.

3. The sticker on the card states that the card can be used in stores without being registered online. But the card was declined.

No way of accessing the funds on the card. I have the receipt from the market it was purchased

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 2023-10-31
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:
I appreciate you making an effort to remove and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRUAD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2018-11-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is a hard inquiry on my credit report from XXXX XXXX XXXX in XX/XX/2018 that should be removed. I have not signed up for telephone service and dont have an account with the company. 
I have disputed the inquiry but it has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I was diagnosed with XXXX in XXXX of XXXX. I notified my auto loan company Capital One. I was not able to reopen my office to go back to work until XX/XX/XXXX. I struggled with re opening as it took a bit for me to rebuild my customer base as I am a XXXX  and had to wait for our courts to reopen so my clients could file their documents after I prepared them. The courts did not open until XX/XX/XXXX due to the courts not opening up until XX/XX/XXXX. I struggled due to having to rebuild my client base. I never received any Covid assistance through XXXX. There was a moratorium order to protect consumers credit. I informed Capital one, but test they kept dinging my credit score which was against regulations. They never assisted me. I need all the lates removed from my credit. In XXXX of XXXX I came to an agreement with Capital one. I paid {$7000.00} and the sent me a 1099 for the balance to file on my credit report. There was no charge off as they reported charge off on my credit. It couldnt be charged off if I paid them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Viewed online my credit card information on XX/XX/18. Upon signing into and reviewing my account the statement reads " Enrolled in Repeat Payment '' ; below that it stated " No payment is required at this time ''. THIS INFORMATION IS FALSE AND MISREPRESENTS THE TRUE NATURE OF THE PAYMENT DUE. In fact a separate page lists the payment due on XX/XX/18. Barclays asserts that their statement " implies '' that because it lists " Enrolled in Repeat Payment '' that in fact " No payment is required at this time ''. FALSE. 

The crime here is the consumer, ( me ) might assume no payment is required and not list the upcoming required payment in their checkbook causing their balance to be overdrawn, causing overdraft penalties ; and they might inadvertently make a " late payment '' to the credit card company thus incurring late charges and/or interest charges from the credit card company. Furthermore this webpage also states, " Your scheduled payment of {$200.00} pays your statement balance of {$200.00} ''. It should more accurately state : " Your scheduled payment of {$200.00} ( due on XX/XX/18 ) pays your statement balance. A clear intent to mislead consumer for the benefit of Barclays.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter. 

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity. 
Upon discovering these fraudulent items, I promptly filed a dispute with your agency I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights. 

Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law. 

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking dor your assistance to remove the fraud items : 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 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 2021-10-21
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I performed a one pay lease for the entire 36 month lease term ( e.g., pay the entire lease upfront ). However, GM/GM Financial does not properly calculate the Rent Charge/Interest due under the lease. In essence, GM Financial charges interest on the down payment, which results in paying interest on money that isn't actually loaned. 

The formula to determine the Rent Charge is : ( Adjusted Cap Cost + the Residual Value ) * the Money Factor * 36 ( 36 = the number of months in the term ). In my case, the total should have been approximately {$3400.00} ( XXXX ) XXXX. GM calculated approximately {$4900.00}, which was due to failing to take into account the cash down on the transaction. Here is GM 's calculation ( XXXX ) XXXX. 

GM 's failure to properly calculate the lease resulted in me being overcharged interest of approximately {$1400.00}. 

I've requested a refund from GM Financial, but the customer service representative didn't really understand how to calculate a lease or have any idea what I was talking about, so he was unable to help with the transaction. He told me that he would have someone call me, but no one ever called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: PA
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/2021, I mailed a letter regarding inaccurate, unlawful, and unproven items on my report. Over 60 days later, the company has yet to lawfully handle my complaint as the letter indicated it is not a regular dispute. I am being taken advantage of and the actual complaint is being ignored. Section 611 ( a ) states. Clearly, failure to investigate items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand the accounts be deleted or I will have to resort to filing litigation for the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. Keep in mind, XXXX did a thorough investigation and truly looked into my complaint and complied based on the federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
Credit companies have for years refused to correct my personal information. XXXX has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after XXXX  days. 

I see that Charges offs are being added to my reports after paying the original companies, All XXXX Agencies see ( after I have called them ) this and have done nothing to remove this, again all XXXX 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and Hard inquiries should not be anywhere on my XXXX or more reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacts me and my family members and/or friends DAILY, and often multiple times per day for various telephone numbers, regarding a debt that is possibly 7+ years old. According to FDCPA, the company and its collectors have committed the following violations : - Call repeatedly or continuously, - Use obscene, profane, or abusive language ( at least two recent occurrences ), - Call at times the collector knew or should know are inconvenient ( e.g. " back to back '' ), - Threaten action they can not or will not take ( that they will " serve me '' at my place of employment - which I welcome since I work at a law firm that will gladly sue the collector ), - Illegally inform a third party about your alleged debt, - Repeatedly call a third party to get your location information, - Fail to send a written debt validation notice ( which I have requested on numerous occasions ), - Ignore your written request to verify the debt and continue to collect, and - Continue collection attempts after receiving a cease communication notice.

Please note, the statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ).

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a collection from XXXX XXXX and XXXX on my TransUnion credit report. This collection account never had a application, nor did I have any kind of account with that company. How did they all of a sudden put Negative, damaging, and Not my collection from that company, onto my TransUnion credit report. 

I have put in Disputes after disputes with TransUnion. They are not looking into this collection and realizing that I never opened any account with this company PERIOD. 

I ask that this XXXX be removed from my TransUnion credit 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 non-monetary relief