BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
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: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Friday, XXXX XXXX, 2022, my home was struck by lightning which started a house fire. As a consequence of the fire, my family and I were left XXXX  and living at a XXXX. On Monday, XX/XX/2022 at XXXX XXXX  EDT, I spoke with a representative of Credit Acceptance and explained the situation. I told them I would make a payment as soon as practicable. Later that day, robocalls and direct voice message calls began occurring from Credit Acceptance. 

On XX/XX/2022, I was advised to monitor calls made by Credit Acceptance and note the time and date. I was also advised to inform them again of my situation and clearly state that with regard to the Fair Debt Collection Practices Act, they should not contact me again for at least seven consecutive calendar days and to note the time and date of this conversation. 

Between XX/XX/XXXX and XX/XX/2022, Credit Acceptance placed thirteen calls to my phone, twelve of them occurring between XX/XX/XXXX and XX/XX/XXXX. I spoke directly to a Credit Acceptance representative on XX/XX/XXXX at XXXX XXXX  EDT, once again explaining our current hardship situation. Calls began again at XXXX XXXX  on XX/XX/XXXX, less than 48 hours later. 

On XX/XX/XXXX at XXXX XXXX  XXXX, I placed a call to Credit Acceptance and notified the representative that Credit Acceptance was violating the Fair Debt Collection Practices Act by willfully harassing me through sheer volume of calls, as well as placing repeated calls well within the seven-day window following a discussion about the debt. The representative stated that I would continue to receive calls until I paid the debt because it was how their system was set up and that it was company policy. I informed the representative on the recorded line that if I received another call in fewer than seven days, I would be lodging a complaint against Credit Acceptance. 

On XX/XX/XXXX at XXXX XXXX, I received a call from Credit Acceptance. I notified the representative that the call violated the seven day clause of the Fair Debt Collection Practices Act 12 CFR 1006.14 ( b ) ( 2 ) ( ii ) and that I would be filing a complaint immediately.

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 2022-01-04
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi there, I didn't authorize these inquiries and I'm not benefiting from these inquiries on my experian as follows : XXXX, 2021 # 1XXXX XXXXXXXX XXXX XXXX # 2. XXXX XXXX XXXX XXXX XXXX, 2021 # 3. XXXX XXXX # 4. XXXXXXXX XXXX  XXXX # 5. XXXX XXXX XXXX XXXX # 6. XXXX XXXX XXXX XXXX # 7. XXXX XXXX # 8. XXXXXXXX XXXX  XXXX XXXX # 9. XXXX XXXX, 2021 # 10. XXXX XXXX XXXXXXXX XXXX. XXXX, 2021 # 11. 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in regards and follow up to CFPB Complaint # XXXX from XX/XX/XXXX. This is a further complaint against the mortgage company and the escrow analysis shortage on my mortgage account. The response they provided did not answer the complaint as to why the escrow account was in shortage and they did nothing about it for almost a year ( I have only had my mortgage with this company for just over a year ). Furthermore there response that the real estate tax and homeowners insurance had increased which also cause the shortage ( which there was no substantial increase to support it ) is a false claim by the company and I would like to know where they received their data. The XXXX annual amount from XX/XX/XXXX, amount was {$2100.00} ; andXX/XX/XXXX, amount is {$2100.00} ; a difference of {$23.00} ( attached ). Nothing significant that would result in this shortage. 

In addition and even more confusing is that on XX/XX/XXXX, I received an email ( attached ) reminder of my payment for XX/XX/XXXX, and it indicated that the current payment I have is due on XXXX?? Yet, according to the escrow analysis and shortage letter I received in XX/XX/XXXX, it said effective XXXX, my new " mortgage '' payment was increased by {$230.00} ( if I could not pay the lump sum ) ; yet the email contradicts that letter? It more clearly states the financial discord that rests within this company. 

I have been trying to work with this company since they notified me in XX/XX/XXXX, that effective XX/XX/XXXX, I either pay a lump sum of almost {$2900.00} or a monthly increase of {$230.00}. I was willing to work with THEIR ERROR on solutions of a smaller payment spread out over a longer time period ; or take the lump sum out of the interest on the account. I am a faithful consumer to this mortgage, have not missed a payment, and they would not consider this solution or working with me on a fair and ethical solution.. They are at fault for not escrowing the monies appropriately or following up with the consumer that their calculations are off and their financial analysis and reporting are not compliant. There are a lot of reports out about this company about their unfair, unethical, and fraudulent practices when it comes mortgages, escrow accounts, opening false accounts, etc. They have paid in the millions and they are still continuing to do it. I have reached out to Atty General XXXX XXXX 's about this matter and they recommended I contact the CFPB, and I have reached out to MA Senator XXXX XXXX about this matter ( and she herself as gone after this company for their fraudulent practices ). I am single mother of XXXX children and to impose this practice without valid and honest reasoning is unethical to the core.

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 2022-08-15
Company: BANK OF THE WEST
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX and XXXX I was out of state in Texas with family so I didnt receive any mail. Apparently during that time I was charged I believe {$22.00} for some XXXX XXXX thing. I never ordered this, it definitely was not sent to my address because my neighbor was collecting any packages that arrived to prevent theft. 

Apparently due to this {$22.00} unauthorized charge it over drafted the account and they stacked on several more fees amounting to a total in excess of {$95.00}. 

They never called me or emailed me. Typically in this situation either my local branch XXXX, MN or XXXX XXXXXXXX XXXX XXXX customer service would call me. I had no idea about this charge, the overdraft or any of this until I got home and saw a letter in the mail. 

I tried logging in immediately to file a dispute for the XXXX XXXX and was shown my account of 3 years was closed. I was in complete shock. Not only that but I was severely worried they would make a report stating I was a poor customer submitted to XXXX systems which would impact countless banking relationships current and future all due to this charge that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Its hurting my Confidence and i am the natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Financed auto through Capital One Auto Finance. Insured car through XXXX XXXX XXXX. They will not talk to each other as neither can afford the time to go through the others phone tree. Neither can I ... When trying to put the two together to resolve title transfer from Capital One to XXXX XXXX both point the finger at the other saying they can not get what the need. I am help captive in the middle while Capital One charges XXXX XXXX late fees using my money. This has gone on since XX/XX/2019 and now XXXX. I just received letters from both asking for me to once again notarize documents that have already been notarized and sent in. Auto One says now there is another late payment fee. When I did reach them on the phone they want me to give my full SSN on the phone which I will not on the phone as they already have it. Told them I could verify last 4 digits and said they can not accept that. They have no interest in accepting anything as they can just keep charging off to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: SUN LOAN COMPANY INC.
State: AL
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:
On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent the XXXXhree credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-15
Company: EQUIFAX, INC.
State: TX
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:
Equifax report a collections account " XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account, I NEED PROOF OF ACCOUNT OR DELETE IMMEDIATLYEE I WAS NOT PROVIDED ANY CONFIRMATION OF ACCOUNT FROM EQUIFAX CONCERNING THE ABOVE MATTER. I NEED DIRECT VALIDATION OF PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: TN
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 Account XXXX XXXXI # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-12-18
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a new vehicle back in XX/XX/XXXX from a XXXX dealership in XXXX, NY. I traded in a XXXX XXXX XXXX. I had a balance remaining. I made my last payment in the amount of {$340.00} on XX/XX/XXXX. The XXXX dealership paid the remaining balance off. They mailed a check to GM Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX in the amount of {$3700.00}. The check was cashed by GM on XX/XX/XXXX. I have copies of the deposited check. GM was over paid by {$590.00}. I have contacted GM several times regarding my refund. I still as of today XX/XX/XXXX have not received the refund. I was now told that GM will  not process the check until XX/XX/XXXX. This is unacceptable. I paid this vehicle off 2 1/2 months ago. I should not have to wait this long for my money. As I'm writing this complaint GM has me on hold. I can not believe they can take advantage of a consumer by holding their funds for an extended period of time. They just hung up on me after waiting over 15 minutes on hold. Please have them expedite my refund. I do not want to wait until next year. If you need copies of the documentation I have all of it. 
Thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Please see the latest complaint sent to the company # XXXX. We have not received any indications when our interest rate has changed or payments due and the amounts of these payments. A representative informed me indications of change in interest rates can not be communicated because the change happens to quickly to allow notifications to be sent to us. However, this results in missed, past due payments and collection activity. This has been the case since we have completed our five-year bankruptcy terms. Although the BK completion charged us to be on time for every payment. This is contradictory information and seem to be set up in an effort to attempt to foreclose on our home again ( which happened while we were in bk )

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 2023-08-01
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing concerning the ongoing attempts by LVNV Funding LLC to collect on an alleged debt referenced in CFPB Case # : XXXX and Case # : XXXX. I have made several requests for validation of this debt, but have not received adequate documentation proving I owe this amount. 

As the law requires, I am requesting that LVNV Funding LLC provide the original purchase agreement for this account, which should clearly show that I, XXXX XXXX, am the legal owner of the debt you are attempting to collect. This agreement must include all terms, conditions, and responsibilities associated with repayment. 

LVNV Funding LLC is unable to validate this debt by providing the requested documentation, I will have no choice but to seek legal counsel. LVNV Funding LLC continued collection efforts without validating the debt first is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This is not the same complaint!!!!! PNC treats me like a unwanted consumer..I deposited a check from another account and had a colleague do the same ( his account however is always in the negative ) ..My check was placed on hold for 15 days, his was deposit in two days..I am more than sure this a prejudice issue against me as a woman and or my XXXX.. I stopped payment and closed the other account and made PNC aware more than 4 days before they processed the check, it was stopped and taken off my account, however now my account is in the negative because they have waited 5 days later and started adding fees to my account.. I reached out to that person XXXX and nothing was done.. I have been lied to repeatedly, am feeling a lack of concern for a delicate situation, and fees added upon all of this and have received no apology or no concern..The only reason I continue to keep this account is because of a family member who is no longer alive and things I have set up for the next two months, which cant be reversed..I have emailed the ceo and other executives and just like XXXX they dont care!!

Company response to consumer: Closed with explanation