BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
This is the second complaint made via this website. The first being on XX/XX/2023 after the vehicle was repossessed. Upon going to my parking spot I realized that my vehicle was not there. After several inquiries to the apartment complex where I live, I came to the realization that Credit Acceptance must have had my vehicle repossessed. Upon speaking to a customer representative and a supervisor, they informed me that there was a problem with my automatic payments, and they had not received payments on our agreed payment arrangement for the months of XXXX and XXXX. I informed them that I was not aware of this problem and inquired why they did not send me any notices regarding the default payments via mail as has been the case in the past. The supervisor at the time stated that she was not aware of why that was, but if I wanted my vehicle returned I would have to pay a certain amount of money, or the vehicle would be auctioned. After the first complaint, Credit Acceptance stated that they sent out a notice. They further claimed that the person investigating the complaint was unable to reach me. However, the notices that were sent out were done on the actual date of repossession, XX/XX/2023 and addressed to my former residence. The second notice was sent to my current address on XX/XX/2023 discussing the investigation set forth by Credit Acceptance after I filed the complaint. There was no correspondence presented by the company to demonstrate that they attempted to send me any communication via mail or email regarding default payments or due process of repossession of the vehicle. They failed to mention that I did return the phone call by the person investigating the complaint, and that she stated that she would investigate the matter, and there was no more communication with my person. Considering that Credit Acceptance had not tried to communicate as all businesses/organizations do regarding a missed payment, it is my belief that Credit Acceptance utilized two months of missed payments to justify and make a profit not only on the remaining balance, but also on fees that would be accrued after the vehicle is auctioned. A tactic that I find to be very disingenuous as they promote their company as one of helping those acquire a vehicle when they can not get approved by other loan companies. For a company that prides themselves in helping people get into a vehicle, their lack to communicate caused an unnecessary financial burden. I had to cancel my auto insurance that will most likely increase my rate when I return to the company and get insured again when I get a vehicle. As a result of not having a vehicle, I had to find other means of getting to my destination that caused a financial burden as well.

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 2022-12-24
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-23
Company: Block, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
So I use the card frequently for online gaming purchases with two different merchants operated by the same company. The merchants are chumba, and luckyland and they are operated by a outfit called XXXX ( virtual gaming world ). Now I make frequent purchases throughout a session and what began happening is that when I would go to process a payment it would initially come back and say failed please try again so I would go back and try it again and then it would go through. I assumed it was some kind of network error, or perhaps connectivity issue and thought nothing if it since it always went through the second time. Well it wasn't until later that it was brought to my attention by another user of the website that he was being double charges that I went back and looked and sure enough going to XXXX they have been double charging me on those occasions. I know this for a fact because I don't make two or three purchases in matter of minutes, in fact often within the same minute!! So I disputed the instances I found that I was sure of and the cash all people granted several of them and denied a bunch of them. I don't know how they grant half of them an then say that the others aren't valid when they are the exact same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had an account at Gemini Trust ( the company that the Winklevoss brothers founded ) since XXXX. On XXXX XXXX, XXXX, an employee ( s ) stole the funds in my account. No one at the company has responded to my lawyer or myself. New York has an agency specifically for crypto companies, but as I am not a resident of New York, they can not help me. 

Could you please contact someone at Gemini Trust ( " trust '' being an ironic seeming name ) and get them to return my funds to the same account from which the funds were originally added to Gemini, at XXXX? 

Also, of course, please pursue criminal charges against the perps, which would hopefully ban them from working in the financial industry for life. 

Company : Gemini Trust Company , LLC XXXX : XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, New York, XXXX, US Website XXXX XXXX  External Website. Opens New Window Company Phone : ( XXXX ) XXXX Thank you-

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had a loan with Santander ( A PREDATORY AUTOMOBILE LENDER ) since XX/XX/XXXX. It is now currently XX/XX/XXXX. The amount initially financed is currently the amount owed plus. ( at least XXXX is still owed ) I have made close to 30 plus payments and all of my payments are going to interest. I have had extensions, i have a due date change, i have paid late, i have paid current, i have paid on time, i have paid before time, i even split the payment up in half and still had the payment in on time. Nothing i do is making the principle balance go down. I work for Sandtanders competitor and i see accounts on a daily basis that have a pay history that is worse than mine, more extensions, higher apr and per diem and their principle balances are going down with every payment. I have had to recent complaints with Santander and each time nothing is explained. the only thing they want to explain to me is simple interest finance, and i understand SIF i work with it, however they way this company has me in the loan i will pay off this loan 3 times in a half before its paid off, if i make two more payments i will had paid the vehicle off one time. This is a predatory loan, no one can give me an amortization schedule informing me if i pay on time this amount should go to principle and this amount she go to interest, no on can give me this information, again all they will explain is interest. Something is not right, its not fair, i am doing what i am supposed to do. my payment each month is round off XXXX, the last time i spoke to an agent she inform me that i would need to pay XXXX $ plus some more to bring me current, yet when i logged into the system i was current. I was informed that i have to pay my regular payment, plus i need to pay the interest that has accrued within the month that i was n't even due. I am being penalized daily for being on time, with the amount of interest that is accruing by the time my payment is due my car payment would need to be increased. I am tired of speaking to people that state they understand my concern yet will not do anything to see why these payments are not being allocated properly. When i drove off the lot, i had no idea how this loan would work, i thought if i made my payments on time, make extra payments, pay before time, the principle would decrease. Even with the extensions and due date that should have been moved to the end of the loan my payments should be decreasing. I need someone to look into this and see what the problem is. because i am not getting any results from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NV
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Bureau are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-24
Company: EQUIFAX, INC.
State: NV
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Bureau are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 explanation
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I opened a Wayfair Mastercard account near the end of XXXX and used it to buy a couch. I paid it off almost immediately and completely forgot about the card, until I received an email in early XXXX saying I owed hundreds of dollars in late fees and interest because of an obviously fraudulent charge ( it literally took a 3 second XXXX search to see that I'm not the only one to experience this particular fraud ). 

After letting the company know of the fraudulent charge and letting them know I was not going to pay anything under any circumstances, they called me almost daily until I blocked their number. I repeatedly informed them I would not be calling them, as I did not have time to waste solving a problem that wasn't mine because they couldn't type something into XXXX. They reversed the fraudulent charge but kept all the late fees and interest for some inscrutable reason and ended up closing my account after some time. I requested they correct my credit report, which they have still failed to do.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
1. XXXX XXXX XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.

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 2019-10-31
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX it was reported by Equifax that I have had 3 Hard Inquiries, I do not have any knowledge of these but I was made aware through an alert on my XXXX XXXX App that allows me to monitor my Credit Score. Here are the accounts that were marked for Hard Inquiry : XXXX XXXX, 2 Inquiries : First Inquiry was marked at XX/XX/2019. 
Second Inquiry was marked on XX/XX/2019. 

XXXX, ( Im assuming XXXX XXXX ) : This Inquiry was marked on XX/XX/2019 as well. 

I did not authorize these hard inquiries and was knocked down by 54 points in my credit report which is ruining my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
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, XXXX, and Experian. 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 XXXX 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 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 2019-03-29
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2019 I paid my citibank AAdvantage card {$6000.00}. 
On XX/XX/XXXX I made another payment in the amount of {$6000.00} incorrectly when I meant to pay off the remaining balance resulting in an overpayment. 
On XX/XX/XXXX I overpaid an additional {$9000.00} because I have XXXX citicards linked to XXXX account and made all 3 payments to the same card. 

After I made the first overpayment on XX/XX/XXXX payments I called my bank ( XXXX XXXX ) as soon as their customer service was open to issue a stop payment but it had already been processed. I called citicard right after to ask them to not accept the extra payment and they said that it wouldn't be a problem. 

On XX/XX/XXXX after my second overpayment I called Citibank again and asked for a refund of the overpaid balance to my checking account they said it wouldn't be a problem. 

On XX/XX/XXXX I called again because the refund hadn't been issued and this time they said they needed to check with their hold department to release the funds. 

XX/XX/XXXX, I called again for a followup but they said they needed to contact XXXX XXXX. At the time it was closed so they said they would call at a later time. 

On XX/XX/XXXX I called them and we had a XXXX person conversation that included XXXX XXXX, Citicard, and myself. They worked everything out and said the refund would be on the way. 

On XX/XX/XXXX citicard backtracked and said they needed to contact another department that held the funds to release it. I contacted the other department, they said they would release the funds. I contacted customer support again and they said everything was ok and the refund would be on its way by wire. 

On XX/XX/XXXX the funds had not arrived and I contacted them again. We had another conversation with Citicard, XXXX XXXX, and myself again. Citicard said they had to contact the hold department again. Also this time citicard representative asked personal questions unrelated to the 2 overpayment transactions. 

The credit card company has taken more than 2 weeks and has still not resolved my request for refund for overpayment.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2019-03-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA
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 credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on XXXX. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Accounts has violated my rights, XXXX XXXX XXXX  ACCT. # XXXX, XXXXXXXX XXXX associates acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXXacct. # XXXX my nights. 
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 acodunt without my written instructions

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