BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection was paid I disputed the balance on my credit report. The original creditor could not validate the debt so the collection was deleted from my credit report. On XX/XX/20 I pulled my credit report and the account was updated by Enhanced Recovery Collections on XX/XX/20. I never received written notice or phone call about this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: VA
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:
Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, # XXXX, case # XXXX ( Experian ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by XXXX XXXX. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.

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 2021-12-27
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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:
The fair market value of this vehicle that I purchased through Credit Acceptance Corporation was met and now they are demanding thousands of dollars in interest. I had lost my job and the original loan was at a higher than legal amount interest rate which caused me to release the vehicle back to them voluntarily. I was garnished and met the initial amount of garnishment and now have to pay thousands more in interest. I was never allowed to appear in court due to never receiving court documentation at correct addresses. The amounts of monies paid, car sold at auction, fair market value and now interest owed on top of interest paid is not matching up. Credit Acceptance Corporation did to me what they did to citizens in Massachusetts, which won a lawsuit against them. I dont live in Massachusetts but am a victim 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 2022-06-14
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The facts stated here are true, correct and complete. Also there is no 3rd party only me. I've tried several time to get chrysler Capital to validate this debt. I'm a consumer and I know my rights. Chrysler capital may not use unfair or unconscionable means to collect any debt. Without limiting the general application of the forgoing, This kind of conduct has violations. The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also enclosed are documents i send chrysler capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I USED PAYPAL CREDIT TO SEND XXXX TO AGENT IN XXXX, I SENT XXXX MESSAGES TO AGENT FOR REFUND, I NEVER HEARD BACK FREOM AGENT, I FILED COMPLAINT WITH PAYPAL CREDIT FOR REFUND, AND FILING HERE ALSO, THE MONEY WAS GIVEN TO PERSON, I SENT IT TO AFTER I ASKED FOR REFUND FROM AGENT, THE AGENT GOT BACK THE MONEY FROM PERSON, BECAUSE I ASKED FOR REFUND, AND HAS NOT REFUNDED MY MONEY

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
Consumer complaint received 2021-12-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
On XX/XX/2021, I received a series of emails from Fifth Third Bank, indicating that a card was activated, that the cards PIN was changed, and a purchase alert for {$4800.00} at XXXX XXXX I immediately called Fifth Third upon receiving these emails and reported fraud. I indicated that I hadnt requested a new card or received a card with the number indicated. I made a report with the XXXX Police Department on XX/XX/2021 and gave the police report number to Fifth Third. I also got a letter from Fifth Third dated XX/XX/XXXX acknowledging a suspicious purchase on my card and stating that the card was blocked. I recently received a letter from Fifth Third denying my claim. The denial stated that my claim was being denied because the card has a chip and was used at a chip-enabled reader. However, I did not have this card and did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: SC
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:
I have sent notices to each of the credit bureaus indicating that I was a victim of identity theft, and they have failed to correct the issues.

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 2022-06-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I performed a medical exam at the XXXX XXXX XXXX XXXX which is located at the XXXX XXXX XXXX XXXX in XXXX, PA. At the time I paid the full cost of the exam in the amount of US {$910.00}. After approximately a month I received a letter from the company XXXX Collections charging me again the amount I had already paid and I got in touch by phone and informed that the amount had already been paid at the time of the exam. A few months later I received a call from a company called Radius Global, saying that they would be responsible for charging the same debit. Again I informed that the value of the medical examination had been paid by me directly at the time of the examination and I was asked to send a copy of the receipt, which was done. However, on today 's date, when consulting my credit score, I found that the alleged debt is in my history, which makes my score low and brings me serious losses.

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 2020-09-08
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:
I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.

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 2023-02-18
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I missed 2 payments on my mortgage last year ( XXXX & XX/XX/2022 ). My household income went from two to one. I made a partial payment for the month of XXXX. When I called in to make the second half of my payment I was told I could not make any payment unless it was the full past due amount. My first complaint is that no one informed me of this policy until it was too late, until I could not make a payment. It was suggested that I submit a mortgage assistance application through my service provider. I submitted one and was denied. I appealed it, showing that I could afford my mortgage in my budget. I would have been stretched thin, but I would have been able to keep a roof over my head. My appeal was denied. It was suggested that I request help through my state. That request was denied. During this entire process of seeking help, I was told that it would not show up on my credit that there were missed payments as long as I am actively going through the loss mitigation process. Of course, that was a lie. My household income went back to two, so I was told to submit another mortgage assistance application since I can show that I have more income coming in. I submitted an application in XXXX. Today 's date is XXXX. Every time I call to get an update there's additional documents that are needed for the underwriter to make decision. My second complaint my provider not telling me all the additional documents that were needed upfront, so that I could provide them. I feel like they are intentionally prolonging my request for assistance, so that my past due amount grows larger and larger each month. My third complaint is that every time I call the representative doesn't really know what is going on. They aren't able to tell me upfront if documents are needed. I have to literally explain the situation, inform them of the documents I've already sent in. They all refer me to do everything online and I do. I email all requested documents to their email, but for some reason they have a hard time informing me of what is needed in a timely manner. They will send a letter that takes 10-14 business days to get here and will have a no later than date on there for the requested documents. I understand my situation and it is my fault that I am in this situation to begin with. I can not fathom why offer assistance, if you are not going to provide. I have been advised that often times mortgage lenders will do this, because they know the loan is backed by the VA. I'm not sure what the true reasoning is, but I would just like to get to the bottom of this and get my mortgage loan back in good standing.

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 2021-05-05
Company: Avant Holding Company, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This was my second card with this company, I had my first credit card stolen from my mailbox as we have a lot of mail theft. XXXX refuses to send them priority mail or private mail. So I received my new card. Around the beginning of XXXX I noticed I couldnt find my card, I got my bill and noticed two extremely strange charges on my bill. I immediately called and told them my concerns. She was rude and I could barely understand her. She insinuated I wasnt telling the truth. 
The fraud department wasnt very helpful and ruled against me. Then sent me another card with telling me, which was stolen from my mailbox. I had no knowledge another card was even in circulation. Someone is now going around town spending my card on smoke shops and expensive gasoline. I am a severe asthmatic I would never go to a vape shop nor would I spend {$70.00} in a gas station. This credit card company is taking advantage of me as the consumer and continues to bounce me from department to department. I dont have a lot to money and they are expecting me to pay for it even though I havent used the card since mid XXXX to buy pizza. That was the lag time I had their credit card. 
Additionally, they said I made a payment of {$160.00} dollars in XXXX, I dont remember doing that and I looked back in my bank account. Theres absolutely no record of this payment. SoWHO HAS CONTROL OF MY ACCOUNT????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Well Fargo overcharged us with extra fees on both our mortgage and home equity account. Ive been encouraged to reach out to submit for reimbursement per the decision against them.

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 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted over XXXX  disputes to Equifax on this account. This is my XXXX XXXX  Card account. This account is not CLOSED. I recently was approved for a credit limit increase. When i provided my statements and approval letter to Equifax as proof that the account is open, they ignored it and still reported the account as CLOSED. the showed the increased limit however. which didnt make any sense. if the account was closed how did the limit increase. Now when i dispute the close the dispute in a day. never looking at my proof. I have had the comenity write a letter. i sent the letter to Equifax. still they would not report the account as OPEN. not sure whats going on here. their hurting my payment history, credit length on open account and credit utilization by not reporting this account as OPEN. i can provide proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Shellpoint Partners, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The company filed a forcloser on me over a year ago and I hired an atterney to dispute the XXXX XXXX the company requested a dismissal of the case but the judge is still waiting on the final closer of this case.during this time the company has reported false information on our credit reports.This company has received more than fair amount for the loan but now refusses to give me a lean release .My atterny has given them until the XXXX of XXXX to give us the lean release.They in the mean time are reporting us as 30 days late on a closed account every month .I have documents of a letter written by them ststing they wouldnt report on our credit but they have been reporting me to this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax is failing to remove the accounts involved in fraud from the credit reporting with the multiple police reports they have in their possession. The problem is they are using a FAILED XXXX system in converting legal police reports into numeric code which then sent to the debt collectors. The debt collectors have no knowledge of the police investigation details from Detective XXXX XXXX, XXXX XXXX XXXX Police, instead these accounts are fraudulent coming back as verified. Which in itself is a crime. Detective XXXX XXXX, has stated the police reports below are final and no further police reports are needed for the police report cases. 

Police report numbers : XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost XXXX hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX  Balance details 0 % paid off Balance {$5700.00} Balance updated XX/XX/XXXX Original balance {$5600.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Navient Solutions, LLC.
State: CA
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:
Navient allegedly transferred my student loan ( Account # XXXX ) to XXXX. A payment is due XX/XX/2022. However, XXXX has not contacted me in anyway. XXXX and Navient refuse to submit a bill for the XX/XX/2022 payment. 

Therefore, since Navient and XXXX can't get their act together, I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
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 tried to dispute items fro my report but i have yet to receive any feedback. Im not sure if it is because of the holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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:
XX/XX/2021, I received my Equifax consumer credit report. I disputed a account that is a CHARGE-OFF account from XXXX XXXX NC XXXX XXXX A CHARGE OFF CAN NOT REPORT AS A ( type of account ) - OPEN ACCOUNT. A CHARGE OFF account is a closed account!!! This is inaccurate reporting and must by DELETED. A CHARGE OFF CAN NOT have a BALANCE. It's a charge off ( meaning ) it has been charged off when XXXX XXXX filed taxes. Therfore XXXX XXXX must report a balance of XXXX as the LAW REQUIRES! That's XXXX inaccurate errors. I HAVE ATTACHED THE MOST RECENT CONSUMER REPORT AND HIGHLIGHTED THE INACCURACIES. Equifax is violated the Fair Credit Reporting Act 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person SHALL NOT furnish any information relating to a consumer to any consumer reporting agency if the creditor knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DELETE THIS ACCOUNT FOR REPORT INACCURATELY

Company response to consumer: Closed with explanation