BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got an Auto Loan from Credit Acceptance for a XXXX  XXXX XXXX  XXXX ( XXXX XXXX ). the car XXXX XXXX value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in XXXX  XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of XXXX, XXXX XXXX XXXX XXXX to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.

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 2023-03-24
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Does the company Cashapp deny that my spendable balance decreased? Regardless of the transactions being voided and not completed by the companies definition. Does the company Cashapp deny that my injuries occurred while I wasnt able to delegate my funds that were pending, and therefore unavailable, at the encounters of the injuries?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification Since XX/XX/XXXX through SPS Servcing. My interest rate is XXXX percent. I own XXXX XXXX   in Ca and was forced by the Govenor during covid to close them. I requested a forebearance plan in XX/XX/XXXXduring covid. I then applied for a modification in XX/XX/XXXX. My servicing company and Investor for the loan have not made any atempts to modify my Loan and keep postponing a decision by repeatedly asking me to verify the same information over and over again. My mortgage company has said they will balloon ALL payments missed and have not made any attempts to lower my monthly payment nor give me a trial modification with a reduced interests rate. I am a single Mom and have XXXX children. XXXXXXXX XXXX XXXX. My goal is to keep my home as I continue to work to keep my XXXX in California viable during the Covid pandemic and moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My personal info was stolen and had attempted fraudulent charges on my card with CASHAPP AKA BLOCK INC. this is the 2nd time this has happened in under XXXX year. Had to get new cards multiple times due to the lack of their consolidation of info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted and sent over correspondence to Lvnv funding stated my account with the previous creditor was included and discharged in my bankruptcy. They are still trying to collect on this account despite having court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 2023-03-21
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XXXX. The mortgage was an ARM with a second. In XXXX I had to file for bankruptcy because the mortgage payment was getting too high. In XXXX Ocwen sent me an application for a home modification ( I received the mortgage application three days after the date it needed to be mailed back ). I called Ocwen to see if I could still submit the loan. They accepted that. Ocwen 's loss mitigation department said they were going to write off the second mortgage at that time. Ocwen denies this. I had been making payments on both mortgages, the first and second, prior to the modification. Ocwen is saying the account is in bankruptcy status. The bankruptcy was finalized prior to me starting the modification. Ocwen also states I never reaffirmed on the mortgage. I did. Ocwen told me I did not qualify for a HAMP or a HARP modification. Ocwen said they could offer me an " in-house '' modification. I started the in-house modification in XXXX. I had to make three trial payments then the modification would become permanent. The amortization on their website was for a 15-year modification. I completed all my payments on time, never late. I made the last payment on XX/XX/XXXX to pay the loan off. I had to make bank wires for the payments. Ocwen is now saying I owe 15 more years of payments. They are threatening forclosure.

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 2020-10-01
Company: EQUIFAX, INC.
State: IL
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:
Since XXXX, 2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Genesis FS Card Services, Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act INDIGO XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: VA
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:
I am filing a complaint against Equifax for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. XXXX XXXX XXXX should have been removed off of my credit in XX/XX/XXXX. I have contacted XXXX XXXX XXXX directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for Equifax. Equifax has been very rude and will not even try to help me resolve this issue. The last time I called XXXX I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that Equifax was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both Equifax and XXXX XXXX XXXX. Equifax did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors and said that the debt does not belong to me. It has resulted in me a loss of credit rating and it is very important to me to have a good and positive remark on 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is reporting my information and my brother 's information under the same social security number. I have tried to contact them many times and was told that I do not have a social security number. I called and requested a copy of my credit report because I am not able to receive this information online. I received the credit report in the mail, the report contains my name with my information, my brother 's name with his information and the social security number belongs to my brother. I called transunion again, was told I do not have a credit history, mu social security number does not exist. I asked to speak with a supervisor and was told the called can not be transferred, I would get a call back in 7 to 10 business days. I have been trying to get this issue resolved for 3 weeks with no success. this is a time sensitive issue and it has been preventing me from opening accounts. I have received denials because of this mixed up and needs it resolved as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: MD
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:
I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because equifax told me to do so and they deleted one of them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through Equifax on XX/XX/2018, on XX/XX/18 I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called Equifax for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with Equifax. 
I also disputed this information with XXXX, and received the confirmation email also on XX/XX/2018. Today is XX/XX/18 and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: EMCC Holdings, LLC
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: Account information incorrect

Complaint:
The company posted late payments on my account incorrectly. Some were made before XXXX on the weekend and they didn't post until the next business day. The company also did a credit check without my authorization. I already had an account with them and I was not seeking additional funds. I don't understand why they did a cred check. Some of the their customers service representatives are very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/20 i started a fraud investigation with both parties involved Allied collection Services and XXXX due a collection account on my credit report from Allied collection services ACSI on behalf of XXXX for {$6100.00}. On XX/XX/20 XXXX the oringal debtor advised Allied to show balance as XXXX balanace due to the account was found to be fraud and open without my authorization. I have opened a identity theft case with my local police. I then called Allied twice on XX/XX/20 for status of this account, they advised account does show XXXX balance. I asked to have them remove derogatory marks and collections off my credit report due to fraud and identity theft, and that because of the collection activity on my account it has hurt my credit score. I was told by the first representative at Allied i had to contact XXXX in order to have status changed or have credit report updated for removal. I called XXXX on XX/XX/20 and was told they did notify Allied to make account XXXX balance but it's up to the agency to remove themselves from my report due to they are the ones on my report not XXXX. Second representative i spoke to at Allied on XX/XX/20 stated I would need to show proof that by having Allied on my credit reprt it's causing my credit score to be affected. I advised both representatives that since the account is now at XXXX balance I no longer owe anyone and for that reason alone they should remove the collections and negative marks from my credit reports but both representatives didn't acknowledge this information as true nor did they advise me of my rights in this case as a consumer affected by fraud. Nor did they advise me of their standards and procedures they must follow in this situation. I was basically told nothing nor given any further information, and no agreement of removal was told to me.

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 2018-07-03
Company: EQUIFAX, INC.
State: NC
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:
My husband and I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. As of today XXXX XX/XX/XXXX ), they have not yet responded. Obviously, that's longer than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There were charges on my account that i questioned. a Subscription to a magazine that I never read which was XXXX then there was another charge of approximately {$30.00} that no one at Citibank could answer. It took numerous phone calls for someone to do a XXXX search to find out it was some kind of protection service that I never requested that they just put on my card. Said I was not going to pay for something that I never ordered or requested. Filed a dispute, was told by several people that they can only waive 1 late fee a year, I said I am not paying for something that i never ordered and they said that lates fees would continue to accrue until it was resolved. Told Citibank that was ridiculous that no other credit card that I had a dispute with allowed late fees to accrue. Citibank has no closed my account, I now have late fees over over {$100.00}, they sent me a bill for {$110.00}, I checked my account on line and I can no longer access it since they closed my account. What this company has done is appalling. This is all their fault and I am paying the price for it.

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