BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with Credit Acceptance how can I have a missed payment. 
Credit acceptance need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Opened : XXXX XXXX XXXX Amount {$420.00} My identity was stolen and used to buy phones. This debt is not mine. 

XXXX XXXX XXXX Opened : XXXX XXXX XXXX Amount : {$270.00} My identity was stolen wand used to buy phones.

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 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello this is XXXX XXXX. I am, again, forced to submit a complaint in response to the yet again stonewalling received from Bank of America. Yesterday my mother received an email from a gentleman named XXXX XXXX, who is the Senior Resolution Specialist under BoA 's employ, asking me to call him to again get what should've been dealt with nearly a month ago resolved. And just like with XXXX XXXX, he was also 'conveniently ' not at his desk when I called both yesterday after receiving the email and today. 

XXXX XXXX XXXX has stated in his email that if we do not contact him within 48 hours he will consider the matter closed, and it's becoming increasingly apparent that Bank of America 's resolution department is and has been actively avoiding me and my family and has no intention of removing a stop payment from a legitimate check that was deposited on the XXXX of XXXX. 

Earlier today me and my family went to a funeral home in XXXX MA to arrange the cremation of my father, and unless some money comes our way ( like say {$2800.00} ), it will be VERY difficult to take care of those costs and anything else we might need. We will also be contacting the Federal Reserve as well tomorrow, and we hope that both of you guys will finally put this to bed.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ftc violations remove the fraud alert i requested 60 days ago

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 2017-08-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have errors and inaccurate information on my Experian Consumer Credit Report. I have disputed these accounts as being inaccurate, and Experian had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested 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 explanation
Consumer complaint received 2022-04-02
Company: United Shore Financial Services, LLC
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX United Wholesale Mortgage loan recast from $ XXXX to $ XXXX. 
XXXX XXXX {$95.00} Mortgage Insurance premiums ( XXXX ) still being charged. A formal removal request sent XX/XX/22 XXXX {$510.00} paid for reported escrow shortage XXXX statement with XXXX {$95.00} PMI charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: AZ
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 have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. XXXX Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
About 6 months ago I received a phone call from this company stating that if I was to test drive a new vehicle and purchase the vehicle I was let out of my lease early and to my chagrin I accepted the offer only to be made a fool of from the dealership. 
I had two different car companies in the past make good on similar situation and I was no stranger to the phone call. I made a complaint with them and I was told sorry for the phone call and I was not going to be made whole on the issue on hand and I was told to make my payments current or else. 
I do have financial hardship and I really thought they were going to help me. My fault I guess for thinking Nissan really cared about me whenever they ask about my  hardship however all I hear now is ooh too bad, pay up will ya. Now the dealership just closed the doors without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 XXXX XXXX, Account # : 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 602 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2021-05-13
Company: EQUIFAX, INC.
State: IL
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a Bitcoin account with XXXX/Coinbase. I sold a large sum of Bitcoin recently, over {$700000.00} worth to be exact. They have a daily limit of {$10000.00} for withdrawals to a checking account. They also have a notice that if you need more, simply fill out a form. On XXXX XXXX, 2017, I submitted that form. I am in the process of purchasing a new home and the relocation company that is selling the home requires that I have the money in my checking account, as I am paying cash for it. The relocation company is getting anxious in that they believe I am trying to defraud them in some way. I 've sent XXXX/Coinbase several emails in addition to the form I submitted previously telling them that I am trying to purchase a home and that I need MY funds that are sitting in my account. They always respond with a reply stating that they are very busy and will get back to me shortly with an answer. 

I need MY money and see no reason why there is a limit to how much I can withdraw in a day. I started several days ago withdrawing {$10000.00} each day but this will take me 70 days and I 'm sure the relocation company will not wait. 

Can you help me? Like I said previously, I see no reason as to why they can not at least give me total access to MY funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, 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 recently conducted a review of my credit report, and I noticed that your agency showed 14 credit inquiries that I find to be problematic. 

The inquiries in question are : XX/XX/XXXX XXXX XXXX/XXXX   XXXX, XX/XX/XXXX XXXX  XXXX/XXXX,XX/XX/XXXX XXXX   XXXX/XXXX, XX/XX/XXXXXXXX  - CARD SERVICES, XX/XX/XXXX XXXX - CARD SERVICES, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX  - CARD SERVICES,XX/XX/XXXX XXXX/XXXX,XX/XX/XXXX XXXX XXXX DEALER SERVICES, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX. 
I contacted all these companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue over 2 months to no avail. Now I'm asking you to investigate these inquiries Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: TX
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 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 explanation
Consumer complaint received 2021-05-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Intrest rate is too high and I can't keep up with this loan due to pandemic, losing my job and my vehicle is my only source of transportation. This day the interest rate is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years!  They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish  credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me,  and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!

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 2021-11-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( 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 2020-12-21
Company: SYNCHRONY FINANCIAL
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:
I have been disputing this account on a monthly basis since XXXX/2020. The account reporting is Synchrony Bank XXXX XXXX XXXX. I have never had an account with this company and I have disputed this information through the bureas and through the company itself and they continue reporting which is against my consumer rights and against FCRA laws. 
This account is showing as a charge off with a balance which is harming my credit.

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 2022-01-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a XXXX account on my credit with a telephone number that has never been mine. I have had my phone for over 15 plus years. 
This number is not mine. This is not my account. This is an Ex 's account. He still has the number. He still has the phone. 
This is since 2012! Should be off my records! No record of my name ever being on this account. No signed documents from me I am unable to get a home because of this NEGATIVE account on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CITIBANK, N.A.
State: MI
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 hard credit inquiries that I have not made showing up on my credit report. From the following lenders : XXXX XXXX XXXX  XXXX  CBNATH And also incorrect names showing up on my report for a XXXX XXXX. 

I have tried to get ahold of the lenders but I can not get ahold of any human representative only voice answering machines.

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 2020-12-21
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I've had a car loan with TD Auto Finance and have paid on-time every month for the past 4 years. I've sold the car and paid off the outstanding balance with good funds done electronically. I've now request 3 times for them to expedite the electronic release of the loan with the Massachusetts XXXX so that they will mail me a title and I can complete the sale of the car. I keep getting the run around from TD Auto Finance and have tried to get my request escalated to a manager but they refuse to help me with this issue. I can't believe they don't have anyone TD Auto Finance that can help. I've never had an issue with this loan and this is how they treat customer at the end of the contract. It's just horrible. Thank you fo your help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the coming year the interest rate went down and principal and interest decreased. I am not understanding why the escrow amount the company wants to charge me more than doubled. Can you look into this? It feels a bit like extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation