BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I visited the XXXX dealership in XXXX, Maryland. I worked with a car salesman and found a XXXX XXXX XXXX that I wanted to get. The down payment was {$1800.00} and I advised the dealer and loan officer that I would not have the money until the first week of XXXX. Although papers were signed at that time, an agreement was made to hold the vehicle for 7 to 10 days. It was stipulated that I had to call in every few days to express my continued interest. On XX/XX/XXXX I paid {$1800.00} and left the dealership with my new car. My monthly payments, I later found out, should have been adjusted to the 2nd of each month. However, since it was not, I received a call a few weeks ago advising me that I owed a payment for XX/XX/XXXX. In good faith, I made the payment. Simultaneously I asked my bank to send me my records and discovered that I was current not behind. Despite letting Credit Acceptance know the above, I have been receiving calls to the point of harassment. On XX/XX/XXXX they called my number 20 times. Today I contacted XXXX and spoke to XXXX in the Loan Office and explained what is going on. I then let Credit Acceptance know that he would be providing the documentation needed to confirm that I am current. The calls still continue. It is XXXX XXXX  and I already received two calls. I need Credit Acceptance to stop calling and harassing me please. Your help is deeply appreciated. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a credit due on my credit card balance due to an error in over payment of last month 's statement. This account has been closed since last year so I can not use the card to redeem the credit. I have contacted the issuer 3 weeks ago to no response.

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 2021-10-22
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: WA
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 filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged XX/XX/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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. 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 2020-04-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT on XX/XX/20 i submitted a dispute for the following account XXXX XXXX XXXX XXXX XXXX account number XXXX, on the first dispute of the account they verified this. so i performed my own investigation into this account, the company failed to respond to my request. so i sent a follow up letter to this company and the failed to respond to the non response letter. i sent the Credit Buerue " XXXX XXXX XXXX all of this information including a collection failed to validate, requesting deletion. i recieved nothing so i opened a dispute online and obtained a confirm number i have attached all of these files to this email. i was told i would recieve my results by XX/XX/20. i still have recieved nothing by the time of this letter. so i called the companys customer service department on XX/XX/20 at XXXX XXXX  PST time, the first individual told me that i needed to talk to the dispute department, so i was transferred, and then was oh hold for 33 mins. before i opened this complaint with the company. until the FCPDA, and FDCPA laws you as a individual have the right to dispute anything inaccuriate or incoorect on your credit file and if you dont recieve resualts or something remains on the report its a XXXX dollar fee per a vilation. everytime they cant verify. after that the first individual told me they couldnt be reached. All other Credit Bereus have removed this account after their investigation but experian refuses to remove this account.

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 2019-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a new resident to XXXX. I went to XXXX XXXX XXXX XXXX  to purchase a brand new vehicle. It was a HORRIFIC experience. The sales team kept me there for 7 hours. From XXXX to XXXX. I told the sales man the type of vechicle I wanted- a XXXX  XXXX XXXX   with a sunroof. He told me they had my car- then, at the end of the night, they told me the new XXXX dont have a sunroof- which was a lie. My 'brand new ' vehicle had several scratches and 2 small dents. There were no mats and no spare key and no service manuals in the car- I was exhausted and it was so late at night, I didnt notice all these things were missing until after I had signed for the vechicle. The sales manager- XXXX -XXXX-XXXX-XXXX said he would make it up to me and get me a sunroof- Then I found out the next day that the finance manager ran my credit 13 times!!!!!!! He told me he was only going to pull my credit one time- he did not tell me there would be 13 inquiries on my score- My credit score was XXXX, It went down to XXXX. I am trying to buy a house, but this company has destroyed my credit. I have been contacting the dealership monthly - XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 at XXXX - I spoke to XXXX in Finance- He tells me he has never heard of this before- I explained that XXXX XXXX XXXX Ran all these inquiries without my authorization and consent. I went into the service department to speak to someone about this problem in XXXX. There was a customer in there yelling and screaming that he has brought his car here and he has paid thousands of dollars and they still have not fixed his car. I could not speak to anyone because they had to call security for this frantic customer. I see now there are several negative commentaries online- I wish I had read all of this before purchasing my vehicle here. It has been the worst experience ever. The sales manager XXXX tells me to my face that he will fix everything- he has done nothing. I did not authorize 13 credit pulls - and XXXX XXXX XXXX needs to drop these credit inquiries. I hope CFPB will investigate this and I am happy to go public or have this information published because it is predatory and unconscionable - bad business practice.

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 2021-10-22
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am being sued by XXXX XXXX for failure to pay taxes in XXXX ; and in XXXX. My bank, M & T Bank has escrow to pay taxes and insurance. It appears that M & T Bank has failed to make the tax payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
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: Information belongs to someone else

Complaint:
I have mailed in a complaint letter on XX/XX/2021 for inaccuracy on two collection accounts that are not mine. These accounts are unauthorized by me and I have not received any responses back from them. This is very frustrating I have not been able to close on a house due to these false remarks on my credit 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 explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
criminal record that was expunged still appears on my background check. it was expunged on XX/XX/14 by the XXXX XXXX Municipal Courts. it should not be appearing on my background check and I can provide documentation as needed.

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 2022-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We received a prepaid XXXX  gift card and are unable to use or register the card. The website ( XXXX  ) doesn't work and calling the number on the card ( XXXX ) leads to an automated system that never answers. We are unable to reach anyone to resolve the issue.

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 2019-06-27
Company: CITIBANK, N.A.
State: ID
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 opened a store credit card with Macy 's on XX/XX/XXXX. I moved and changed my address in XXXX of XXXX. On XXXX and XXXX of XXXX, I was reported 30 days overdue and 60 days overdue, respectively, on my Macy 's account. I went to the local store and paid the balance when I became aware of this. My Macy 's statements have never been mailed to me at my current address ( the one I changed it to with the post office ). During this time frame, was well within the 12 months of time that USPS forwards mail. I contacted my local post office over the phone and in person to request my change of address confirmation from XX/XX/XXXX. USPS does not keep these records past a year. I inquired whether or not they are archived or if there is a saved email format somewhere, to which I was told there was not. I called Macy XXXXs credit card department and they refused to help me unless I had this documentation, which I explained that I or the post office do not have. My statements were not sent back to Macy 's, which I can only assume that either the post office did not forward those statements to me or that the recipients at my previous address did not return to sender. I called USPS once more to inquire about my change of address confirmation letter and was told the same thing. I have read about many instances in which Macy 's  gives a one time goodwill exception and removes the derogatory mark from the credit history. I am applying for a home loan within the next year and this derogatory mark is the only negative mark on my entire credit history. Due to the fact that my statements never made it to me, I was unaware that a payment was due until I went into the store and inquired about my account. I should not be penalized for this mishap.

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 2022-10-04
Company: World Acceptance Corporation
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company has called several times and I have informed them I do not have a debt owed to them. I've never done business with this company and advised them to remove my number and not call back. The representative said she will not remove the number and disconnected the call. I informed them they have the wrong number and I do not want any further calls. They have continued to call and harass me after several calls of me asking them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I worked with XXXX XXXX and others at Freedom Mortgage on refinancing my mortgage on an investment property in XXXX, TX earlier this year. I was told throughout the process that I would not be paying any points on the mortgage. In the very last couple of weeks, after *months* of working to making the refinance happen, getting the appraisal done, sending lots of paperwork, etc., they told me that I have to pay {$1000.00} in points, and if I don't like it, too bad. I complained and was told too bad, sorry. Given how invested I was at that point and that my other options I had looked into were gone, I went ahead and paid them to get it over with. 

I filed a XXXX complaint in XXXX. They eventually paid me {$500.00} of the {$1000.00} owed but are refusing to pay the rest. The XXXX complaint is ongoing. They keep making different claims, without proof, about how I caused delays in getting the refinance done, and I keep providing proof to the contrary, including emails and documents from their representatives recognizing and showing that they are at fault for the delays with the refinance.

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 2019-06-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have know that I had Identity theft some time in XXXX and I filed a police report on XX/XX/XXXX. I have sent it to Experian 5 times now and they have taken some of the Items off and some remain. They made me fill out a FTC Affidavit which I did and sent to them recently and they took all the items off ( XXXX XXXX XXXX XXXX {$2500.00}, XXXX {$480.00}, XXXX {$480.00} same one 2 times and XXXX {$1300.00} ) I have had cars loans on there and one of the worker let it be know that they know when they let a collection agency put a previously deleted item back on your credit report with a brand new date and account number ... What really. What a bunch of XXXX because they want you to buy their premium services for XXXX a month. This is so wrong I want someone to hammer The Corporations XXXX!!! They have done this to me for years and I could never figure out when I made XXXX a year that my credit was just ok. Please help me this is even worse due to the breach by XXXX in XXXX I was effected again. I still can't get on line with XXXX to this day because of the Identity Theft??? they ask me!!!

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 2020-04-28
Company: AUTOMOTIVE CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2020 I received 2 phone calls from XXXX at my work number ( XXXX ) XXXX and 2 calls from ( XXXX from Automotive Credit Corp ) on my cell ( XXXX ). These all occur first thing in the morning when I am working. I returned the call around XXXX on my lunch and left a VM to let them know that they are not to call my work phone number ( XXXX ) as my boss got the message and was not happy. I was given a verbal warning. On XX/XX/2020 I again received 2 calls from XXXX ( XXXX from Automotive Credit Corp ) at my work number and also 2 calls from them on my cell. I then sent them an email which I got from their website and which I asked them again not to contact me at the work number. About an hour later a friend of mine who I listed on the loan papers as a reference received a call from XXXX ( XXXX ) who told XXXX I was behind in payment and that she needed a number to reach me at. XXXX then called me and asked that I remove her information from the file. I also requested that. Now on XX/XX/2020 I again receive 2 calls on my cell phone and one at my work number which my boss was lucky enough to get. He then gave me a final written warning and explained no more personal business calls at work. I have not included the emails sent to them or the write up as it may need to be used in court and I do not wish to provide them anything until after I speak to an Attorney.

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 2019-06-27
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had never heard of Mariner Finance before today when I received a mailing from them stating my " application '' had been denied, and including much incorrect information ... I absolutely never applied for anything from these people, they fraudulently accessed my credit and it needs to be fixed ...

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