BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On   XX/XX/XXXX ,  I purchased a vehicle a   XXXX   XXXX   XXXX    from  XXXX  of Georgia. On   XX/XX/XXXX , I found out the vehicle was no good meaning the motor and catalytic conve rter was gone out. I took the car back o n    XX/XX/XXXX  less than 24 hours later after purchase also being told at the  time I sign the contract that I had 72 hours to return the car if I decide I did not want it. When you bring the vehicle history up on this vehicle connected to VIN   XXXX   may have been recalled. Check full report for more information vin #  XXXX  ... this comes up. I was told by  XXXX  who is now working for   XXXX   XXXX   XXXX   in   XXXX   XXXX  , GA the vehicle was sold and they had already receive a check for the vehicle. I ask who was my finance company and she replied Automobile Acceptance. On   XX/XX/XXXX  , I went to the finance company in  XXXX , GA and told them that I no longer wanted the car and that I have 72 hours to bring it back and I was well within the 3 days and the credit manager replied they had already electronically sent  XXXX  check and conveniently   XXXX   closed down everywhere. The credit manager said it would be a repossession if I return the car so she convince me to keep the car. It became very hard to maintain the car and the payments so I voluntarily gave the car back. The car has been charged off on my credit and now Automobile Acceptance are suing me for almost $ 15k with 12 % interest. I was initially tried to be served in  XXXX  county   XXXX   XXXX  , Ga but when I went to  XXXX , GA Magistrate court and was the served with this civil suit, in which ; I find illegal and unethical. I will upload s upporting documents that will show the vehicle loan was charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed two online disputes with Equifax, as they are reporting a mortgage account with XXXX - XXXX XXXX that was paid and closed on XX/XX/XXXX. Equifax claims to have performed an investigation, yet the closed account still remains on my report. And, Equifax updated the " Last Reported Date '' to XX/XX/XXXX, which they are using to say that the account will continue to be reported for ANOTHER XXXX years, until XX/XX/XXXX. 

I contacted XXXX - XXXX XXXX via phone during standard business hours on multiple occasions and was told each time that their mortgage lending associates were unavailable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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 FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Fed Loan Servicing is telling me that 84 of my student loan payments that I made under the Income-based repayment plan, are ineligible to count toward my Public Service Loan Forgiveness program PSLF. PSLF requires 120 payments to be made while working in a public or non-profit agency, which I have. I've never worked in the private sector. I graduated and began my repayments in XX/XX/2012 and that means I've worked non-stop since that time. I submitted a request a few months ago, formally informing them that I don't agree with that decision. I was then informed that they could not do anything about that. I've also called to request a number for me to discuss this with an ombudsman or advocate, but that was not provided to me, saying they did not have such a number and apologized. In my Fed Loan Servicing online account I see that 9 of the 84 ineligible payments are " payment is pending manual review '' so I hope those become eligible payments counting toward my PSLF program. The only time I've stopped working at a non profit was when I had to go on XXXX leave to have and care for my children. I hope you can help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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:
Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their XXXX XXXX XXXX  Management, I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but XXXX points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXX Bank  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

Respectfully, 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 2022-03-30
Company: Ragan & Ragan, PC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection law firm based in XXXX XXXX with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX XXXX. ( Garnishment order carried out by XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NM
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:
XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated  XXXX / XXXX /2017 from CCI Contract Callers Inc. regarding referenced account  XXXX . However upon calling into the organization regarding this supposedly ( unpaid debt ) I came to find out this is a fraudulent claim after speaking with representative  XXXX  on  XXXX / XXXX /2017   XXXX   XXXX   Arizona time. After reviewing online regarding (   XXXX   XXXX   ) the supposedly original account holder. This has been reported to various other organizations as a scam with thousands of other people receiving a letter from a debt collection agency for the SAME exact amount.   XXXX   XXXX   has neither direct website nor phone number to contact the company itself. If you  XXXX    XXXX   XXXX   you will find the other thousands of complaints and reports of this fraudulent debt. We have never done business with this organization nor EVER ordered from this ( fake & fraudulent ) company. Having said all of this we are asking and hoping CFBP and assist us with getting this corrected. Per   XXXX   we are to mail a letter to them stating this is fraud. However we want to make sure this company processes this in the correct manner. We also want CFBP to know of this as it happening to thousands of other hard working Americans. The letter mailed to me has been attached for review and to make it easier to contact this particular collection agency. I have covered my personal info ( Name and address ) for protection purposes. The file number  XXXX  will pull the account with their institution.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be removed in 4 days.

15usc1681a-4 privacy obligation not kept.

15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account. 
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer 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
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX 's, XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by TransUnion and XXXX to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.

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 2023-06-20
Company: EQUIFAX, INC.
State: NC
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:
After reviewing my credit report I noticed inquires that don't belong to me that I have no knowledge of, after trying to get these deleted and removed I have yet to get the 3 credit bureaus to delete the following inquiries that were found on my credit report. 
XXXX. XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX . DATE : XXXX XXXX. XXXX XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX. DATE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: PLANET HOME LENDING, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a Massachusetts   XXXX   XXXX   XXXX  .
On Friday   XXXX   XXXX  , 2017 I represented a home buyer who purchased real estate through a short sale.
<P/>
The seller 's mortgage company was Planet Home Lending , LLC. Their principal office is   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX , CT  XXXX .
<P/>
The mortgage company was represented by   XXXX   XXXX   XXXX   XXXX  . Their principal office is   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , MA  XXXX .
<P/>
I wired Planet Home Lending 's funds around   XXXX   that Friday. My bank assured me that they would receive the funds that day.
<P/>
I spent the rest of that afternoon dealing with essential aspects of the closing ( recording the deed, mortgage, etc. ).
<P/>
I did not have an opportunity to email the wire confirmation to the lender or its representative.
<P/>
Monday morning   XXXX   XXXX  , 2017 I received two threatening emails from   XXXX   XXXX   of   XXXX   XXXX   XXXX    XXXX   XXXX  .
<P/>
In the emails  XXXX  threatened " to foreclose on this today!!!! '' or " move forward with the f/c!!!! '' unless a copy of the wire confirmation was sent to him immediately.
<P/>
Of course I sent the paperwork to him and I believe the matter is resolved.
<P/>
Nevertheless, the CFPB should be aware of   XXXX   XXXX   XXXX   ' and Planet Home Lending 's overly aggressive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: WI
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 XXXX XXXX XXXX XXXX XXXX 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 2021-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2021, I received a request for a wedding photography booking from a XXXX XXXX via XXXX XXXX XXXX. She said her boss was going to send the down payment {$500.00}. On XX/XX/2021, when I received the check, it was for {$2700.00} instead of {$500.00}, and she said her boss had accidentally included the XXXX XXXX XXXX XXXX  in my check. Instead of voiding it and telling her to resend my payment as I should have done, I tried to be gracious and deposited the check into my USAA savings account, then followed her request for me to send {$1600.00} to the makeup artist and keep {$1100.00} instead of {$500.00} for myself ( as a larger downpayment towards the {$2200.00} total fee for their wedding photography bill ). On XX/XX/2021 I sent {$1000.00} from my bank, through XXXX, to a XXXX contact she gave me ( XXXX XXXX  ). XXXX would not allow me to send more that day, so the next day on XX/XX/2021 I sent {$650.00} to another XXXX contact she gave me ( XXXX XXXX, XXXX ). 

Later in the day on XX/XX/2021, XXXX texted me and saying that the wedding venue canceled the venue because they are unable to have the wedding due to covid19 regulations. She said they would like to give me {$150.00} for inconvenience fees but needed the rest of the money sent back. I tried sending to the XXXX  accounts they wanted but XXXX kept flagging those accounts as suspicious, so I told them I would sent via XXXX. On XX/XX/2021 I sent {$850.00} to them via XXXX, to the XXXX XXXX contact. On XX/XX/2021, she said they needed me to only keep {$150.00} as an inconvenience payment, and send the remaining {$100.00} back to me via XXXX. She asked me to change my settings to get around the XXXX flags. I sent {$100.00} via XXXX, and on XX/XX/2021 they asked for all the money back so I sent the final {$150.00} through XXXX with my XXXX XXXX XXXX XXXX account ( XXXX was maxed out so they asked me to go that route with PayPayl ). The XXXX {$150.00} was sent to a XXXX XXXX ( XXXX ) and XXXX was to XXXX XXXX ( # XXXX ). 
On XX/XX/2021, I realized their {$2700.00} check bounced when my savings account went into the red. And it all clicked. I feel so stupid but have a tendency to believe the best and trust people. This whole experience has helped me set up a better plan in place for payments to my company. 

{$1000.00} XXXX to XXXX XXXX {$650.00} XXXX to XXXX XXXX {$850.00} XXXX to XXXX XXXX {$100.00} XXXX  to XXXX XXXX {$150.00} XXXX to XXXX XXXX = {$2700.00} taken. 

My USAA bank will go after the scam but will not refund me the lost funds. I am looking to try and get the money back!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX at XXXX i was on the phone with capital one for 46 mins. i received numerous offers via email about doing a balance transfer with a 2 % fee and i will have no interest fot 12 months. I notice that i was being charged interest anyways. i called in and they told me they say my offers and they assure me they will fix the issue and that it was a glitch. i was giving a case number and was told i will be getting a call and the issue will resolve. on XXXX XXXX i called at XXXX and i was on the phone for XXXX mins. i spoke with someone and they put me on hold for a while than came back to the phone and told me i selected the balance transfer with no balance transfer fee i told them i ddint and show me that i made that election online. i told him that doesnt make sense why would i do a balance transfer with my original credit card with lower interest and come to you all with higher interest. no where in my letter did it say or did a free balance transfer it said no interest for 12 months. i am not being honored my offer im still being charged interest they claim i made a different selection when i accept the offer it prompt me to select no interest for 12 months and put in my card number to do the balance transfer and i explain to the man if that was the case why wasnt i told this the last time why no one ever called me. show me this is what i selected. why would u even have another offer to me if the numerous letters i received didnt even have that option. why would anyone not choose no interest for XXXX. they misled me and is not trying to help me. all he said was there was nothing he can do. i ask to speak to his boss and he stated i cant. i am very diasppointed with capital one. also they have me at an interest rate for 28 % when i was offer 25 % AND 26 %

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: United Collection Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Collection Bureau purchased an alleged debt with my sons private and personal medical information from XXXX  XXXX. Then the sent a letter to me in the mail stating they are attempting to collect a debt in the amount of {$200.00}. This is identity theft and fraud. They violated many laws including 15 USC 1692a by invading my sons privacy. Someone at United Collection Bureau will be criminally liable for willful and knowing violations under 15 USC 1611.

Company response to consumer: Closed with explanation