BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: CREDIT ACCEPTANCE CORPORATION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
UNDER FAIR CREDIT REPORTING IF ANY ACCOUNT OR LOAN OF SERVICE MUST BE SUMOTTED TO CREDIT WITH ACCURATE INFORMATION. THIS LOAN WAS ORIGINATED WITH AN ADDRESS IVE NWVER BEEN ASSOCIATED WITH AND THE CURRENT ADDRESS ON FILE IS A CHURCH ADDRESS, THE LOAN HAS XXXX SLOWLY MIGRATED TO ALL MY INFORMATION AND ACCORDING TO ACCOUNT SPECIALIST IN FINANCE IT WAS OBTAINED BY THE MAIN SIGNER OF THE LOAN FOR THE CAR XXXX XXXX. ACCOUNT DISPUTED BY CO SIGNER. 

-XXXX XXXX  ALERT WAS PLACED ON FILE XX/XX/XXXX BY PHONE WITH XXXX CREDIT AGENCY -NAME IS LEGALLY INCORRECT -ADDRESS AND STATE ID INFORMATION INVALID OR MISSING FROM CREDIT APPLICATION -INITIAL PULL OF CREDIT PULL ON FILE -LOAN WAS INITIAL APPROVED FOR ONE SIGNING PERSON, XXXX XXXX. CREDIT ACCEPTANCE DOCUMENTA SHOW CO-SIGNER WAS ADDED ON AT FINAL SIGNING OF DOCUMENTS. 
-CO SIGNER WAS IN XXXX XXXX AS A MEDIC IN THE XXXX XXXX XXXX XXXX 5. YEAR CONTRACT Credit Acceptance Corporation XXXX XXXX - MAIN SIGNER XXXX XXXX - FRAUDULENT CONSIGNER APPLICATION VICTIM / NAME INCORRECT Car loan - USED XXXX XXXX XXXXXXXX XXXX XXXX  LOAN BALANCE XXXX LOAN STATUS : CURRENT LOAN ORIGINATED/ XX/XX/XXXX IN XX/XX/XXXX MY EX PRTNER INFORMED ME HE WAS GETTING A NEW CAR AND LOAN THROUGH XXXX XXXX XXXX XXXX NEBRASKA XXXX THE LOAN WAS DISPENSED BY CREDIT ACCEPTANCE CORPORATION. IN XXXX I NOTICED THE LOAN ACCOUNT ON MY XXXX XXXX WHEN I RETURNED FROM XXXX XXXX. I CALLED XXXX XXXX AND STATES, I DID NOT CO SIGN WHY DOES IT STATE THAT IM THE JOINT SIGNER OR CO SIGNEE OF LOAN ACCOUNT. XXXX HAS REFUSED TO PAY THE CAR NOTE, THE CAR IS BEING HELD AT THE XXXX XXXX, THE TOW LOT OWNER WILL NOT RELEASE IT WITHOUT A XXXX PAYMENT FOR STORAGE. REVIEWING THE LOAN DOCUMENTS FROM THE CAR DEALERSHIP THE LOAN WAS INITIALLY IN XXXX XXXX NAME ONLY WITH XXXX DOWN DEPOSIT. ON THE LAST PAGE IT SHOWS A LINE FOR SIGNERS AND CO SIGNER TO SIGN THERE NAME. IT DOES NOT MATCH PERSON SIGNATURE AND WAS OVER-SEAS ON XXXX XXXX AS XXXX AND IT WAS SIGNED BY SOMEONE LEFT HANDED, ALLEGEDLY. VICTIM IS RIGHT HANDED. NO INQUIRY FOR REQUESTING DEALER TO PULL VICTIMS CREDIT FILE. 

CREDIT ACCEPTANCE HAS REFUSED WORKING WITH ME OR OFFERING GAP INSURANCE OR ANYTHING ELSE. 
INCLUDING ASSISTANCE WITH CAR RECOVERY OR TRANSFER OF LOAN OR MY REQUEST TO BLOCK FROM CREDIT REPORT. 

I ISSUED THEM FULL PAYMENT FOR THE AMOUNT OF XXXX FOR A COMPLETE PAY OFF OF THE LOAN ON THE XXXX OF XX/XX/XXXX. 

ON THE XXXX of XXXX I FOUND THIS WEBSITE XXXX XXXX FOR ASSISTANCE. PLEASE ASSIST WITH REMOVING THIS FROM MY CREDIT OR SHOWING IT AS SATISFIED.

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 2021-07-10
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I moved in XXXX from XXXX XXXX to XXXX. I called the credit card company ( Amex ) and reported my address change several times and requested a statement be mailed to me. Every month I call and give them the address and now seven months later I still have not received statements. I have requested they send all past statements to me. Now I let them know that I will no longer make any payments until I receive a statement. What they are doing is illegal they can not expect payment and not tell me what Im paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 disputed several inaccurate accounts with XXXX, XXXX  and Transunion that are listed on my credit report ; XXXX/XXXX  - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XXXX-XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XXXX! I have no made a payment to this account since XXXX. The creditor has re-aged this account and XXXX  & XXXX  repeatedly says this account is verified and accurate! 
( Transunion did delete this account ) XXXX  XXXX XXXX  XXXX  - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but XXXX of course says again it is accurate and " verified. '' XXXX   XXXX  - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! 

I have disputed the above accounts with XXXX, Transunion & XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports!

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 2022-11-08
Company: EQUIFAX, INC.
State: MA
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/XXXX ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to 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 personXXXX XXXX, XXXX ( XXXX XXXX ) : My phones numbers had the transfer process initiated by XXXX, but the transfer was NOT successful. I did not have any working phones. Since it was XXXX XXXX and I had no option to communicate with family and friends, I called the XXXX XXXX XXXX from a borrowed phone and asked for assistance. After several hours of working with XXXX, their solution was to assign us three temporary courtesy numbers, and then fix things after the holiday. We discussed that this was a courtesy from XXXX, and would not affect our bill. This process was extremely frustrating, foreseeable and avoidable. All charges for the courtesy numbers below should be deleted XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Specialized loan Servicing, LLC ( " SLS '' ) took over my loan in XX/XX/XXXX and immediately began adding a unexplained {$15.00} " fee '' to my monthly payment. I ignored the unexplained fee and kept paying the amount due absent the fee. Subsequently, SLS added more fees and put me in default for not paying the fee. The last letter from them dated XX/XX/XXXX says " Notice of Default '' and " Intent to Foreclose '' although I am not even 3 months behind according to them. 

The worse part is it is not possible to get anyone on the phone to determine how much they are saying is due and what the fees are for. All you get is an option to " speak to a representative for a fee ''?!?!? 

This looks to me like another attempt to nit pick me into default and steal my equity. I had similar problems with XXXX XXXX, XXXX and now this SLS all on the same loan which each has took a turn trying to cheat me. I think when each sees I am not going to be an easy target they sell the loan to the next " shark. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX I was flying XXXX to Florida. When I approached the baggage check counter, a XXXX employee encouraged me to open an American Express Gold Card. She explained I would get my bag free and be awarded XXXX miles if I spent {$2000.00} in the next two months, which I did. She DID NOT explain or disclose orally or in writing that the miles award could or would be declined for any reason. 

In XX/XX/XXXX I noticed my miles award had not posted. I contacted American Express customer service on XX/XX/XXXX to inquire why. I was told the miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. None of this prior activity was mentioned as a cause for award decline when I opened the card ( which technically was a different extension of credit than the one opened in XXXX - different terms/rate, etc. ). 

The customer service rep opened a case for escalation/review - # XXXX on XXXX. On XX/XX/XXXX, I still had not received the miles award so I called American Express customer service to inquire of the status of the case. I was once again told my miles award had been declined and the reason was because in XXXX I opened a gold card and in XXXX I closed it. Again, at no time was I orally or in writing notified that opening a card previously ( one with different terms and conditions ) could or would result in decline of miles awards. 

XXXX employees encouraging, offering and facilitating an American Express extension of credit without fully disclosing terms and conditions, orally or in writing, I believe is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the past 2 years, I have tried to get a correct number count for public service loan forgiveness ( PSLF ). I first called on XX/XX/XXXX because my PSLF numbers were not correct. This was not correctly input into the system after my call so when I called again on XX/XX/XXXX they proceeded to place it in correctly. I have called multiple times and there is no timeline to get my numbers correctly placed though administrators are able to see " correct '' vs " incorrect '' payment months each time I call. 

One month ago, my loan " split '' for no reason. I had two loans with FedLoan and it then became three. I never asked for my loans to " split '' but it happened. After doing that, I lost ALL my PSLF payments ( before I had some payments, just not the correct count. ) I have contacted the company multiple times but they just keep saying there is no timeline and they will mail me my info when it is done. I believe 2 years is an extremely unreasonable amount of time to wait to get correct information which administrators are able to see immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Skopos Financial, LLC
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 information incorrect

Complaint:
This Debt was paid by auto insurance and Gap insurance 4years ago.

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 2023-10-16
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NC
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 many 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 the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} ; US DEPT ED XXXX XXXXXXXX : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If credit bureaus 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 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 2020-05-02
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
My brother, XXXX XXXX, information was mixed in with my, XXXX XXXX, credit report. Including all his credit accounts. I disputed my findings to all 3 major credit bureaus, XXXX and XXXX removed them because they were clearly not mine nor under my XXXX when looked up. Equifax denied my dispute multiple times asking me to talk to XXXX and the bank the account is under. I spoke to XXXX XXXXXXXX XXXX and they told me that was clearly under XXXX name and not mine and have no idea why Equifax didnt delete it. The same with XXXX. Equifax then tells me to use FTC.com to fix the dispute. So please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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