BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased the XXXX  XXXXXXXX XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX NV . My salesperson was XXXX. XXXX XXXX XXXX offered me the Loan, XXXX down, XXXX Interest rate and 72 months. Love the vehicle, but in XXXX left XXXX XXXX, NV, got on the highway began to have serious problems. I ended up purchasing a new battery went back to XXXX XXXX, NV around XXXX and XXXX helped me with the cost of the battery. My mailj was going to my son house I got my mail from American Credit Acceptance for the first time not missing a payment and notice they had taken all of the first two payment, and some of the third Principle and Interest were not being deducted correctly. It appears not one of my payment are correct so far, and they don't breakdown the amounts on my bill. I have spoken to them several times even Manager about the Billing problem. Most seemed to avoid the issue or not answer my concerns not comfortable with the Customer Service Personal at all, and not honest.

Notice on my credit report the balances were far above what they should have been because they were more than the car cost {>= $1,000,000} at purchase time, every balance I have seen. The loan was 72 months it now says 73 on credit report. I have returned the car back to then XXXX XXXX because of them taking money from my. This is my 4th bad car deal in 6 years two within the same year, please help I have lost lots of money. American Credit Acceptance then called me to take the car back I started to a mix of confusion, I am a XXXX XXXX XXXX suffer with confusion often, and the fact that This Texas Heat had me getting sick when I would go out really bad. but I didn't take it back. They have threaten further charging me, fee etc. please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: ENCORE CAPITAL GROUP 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:
XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and midland funding and XXXX i these off my credit old accounts and I have disputed over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: PENTAGON FEDERAL CREDIT UNION
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 XXXX XXXX, I traded in my XXXX " XXXX '' valued at that time by XXXX being {$7000.00} for a XXXX XXXX XXXX leaving me in debt with PenFed of XXXX. After hiring a Power of Attorney and falling into financial hardship, I have discovered that I was manipulated, bamboozled, and hoodwinked and through fraud I was pressured into signing paperwork and doing something I would of not done if I was instructed properly.That 's if I knew the law, had an Attorney, or knew my rights as an American. I was legally incompetent at the time I signed the " Finance Agreement/Contract ' and didn't understand what I was doing. If I had realized what I was doing and as my Lawyer told me was not an " Infant '' when I traded my " XXXX '' I would of not wisely went {$20000.00} into debt. I fill I have been exploited, mistreated and manipulated into believing the deal for my XXXX XXXX XXXX would be a better deal. I want to renegotiate the Retail Installment Contract with my Power of Attorney, and I request a New Deal. Thank you

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2022-09-23
Company: Experian Information Solutions Inc.
State: MI
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 Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-02-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Went into a Check Smart store to draw out a XXXX dollar loan last year over the summer. ( dont remember the exact date or time. ) Insight Capital has taken a total of XXXX dollars instead of the XXXX that I owed Checksmart. The first transaction was made on XX/XX/2020 at XXXX they went into my account. Instead of taking out the XXXX dollars they had taken over XXXX. On XX/XX/2020 at XXXX theyve taken XXXX dollars out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
Lvnv XXXX was settled by me some time back I want it off ny report please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2020-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX EXPERIAN VIOLATONS Fair Credit Billing Act FTC VIOLATIONS

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 2020-04-23
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert today on my XXXX account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, the property I owned was sold, and the total owed to PHH Mortgage was wired to them by the buyers attorney. PHH says they never received the payment, despite confirmation from the bank that it went out to them and was not returned. They continue to say I owe them the payoff and that I am behind on my XXXX, and now XXXX payments. I no longer own the house and I am very worried about what this will do to my credit rating, Ive had many exchanges with them, as has the buyers attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Information belongs to someone else

Complaint:
EQUIFAX XXXX XXXX XXXX VIOLATONS Fair Credit Billing Act FTC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Chrysalis Holdings LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to New Day USA to refinance my VA mortgage. It seemed all was going well until I received a call from Mr. XXXX XXXX XXXX saying he had to cancel our loan application because he had found out it was a manufactured home. 
I told him OK but every time I see XXXX XXXX advertising what they do for veterans I get mad again. 
My home tax value is XXXX and my loan balance as of XX/XX/2020 was {$96000.00}. I was not requesting any cash, only trying to reduce my monthly payment. My credit score as of today at XXXX is XXXX vs the US average of XXXX for my age group. 
I charge NewDay USA with discrimination because of the type home I choose to live in. I have never missed a mortgage in my XXXX  years on this earth and I dont like being told I am not as good as other XXXX XXXX veterans and am not entitled to the same benefits. 
At the very least they should be forced to treat all veterans the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX open account Amount of debt : XXXX Account number : XXXX PayPal account I made several attempts to clarify to the company once I received the notices of missing payments that I did not own the account. They would simply transfer the account to a debt collection company. The account is currently with portfolio recovery and they sent a lawsuit in regards to 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting inaccurate personal identifiers on my report and they refuse to rectify the issue. 

Transunion is reporting inaccurate late payments on my report and they refuse to rectify the issue. XXXX XXXXXXXX XXXX # XXXX ( showing as 30 days late ) XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 120 days late XX/XX/XXXX. I demand that you delete all late payments from the account. 

XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 120 days late XX/XX/XXXX. I demand that you delete all late payments from the account. 

XXXX XXXX XXXX # XXXX - ACCOUNT STATUS OPEN This account is listed as being 60 days late XX/XX/XXXX. Please verify that this account was indeed late as you report, or I demand that you delete all late payments from the account. 

Transunion is reporting two MEDICAL COLLECTIONS on my credit report that should not be there. XXXX XXXX and 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 2021-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
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:
My name is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX phone XXXX DOB # XX/XX/XXXX SSN # XXXX DL # XXXX. I have a car loan with Credit Acceptance XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX. I purchase my vehicle last year XX/XX/XXXX. I have made on-time payments since I opened my account. My account is now closed since I settled it for {$1000.00} on XX/XX/XXXX. My vehicle was totaled on XX/XX/XXXX and insurance made a lumpsum payment of {$10000.00} on XX/XX/XXXX to close out my loan. Before my accident, I made every monthly payment on time for $ XXXX/month until XX/XX/XXXX. After my insurance payment on XX/XX/XXXX, I still had a remaining balance with this creditor that I agree to settled the account in full of {$1000.00} paid on XX/XX/XXXX. I disputed my balance with XXXX  stating that the balance was inaccurate and also that this creditor has never reported my balance accurately since I opened the account. When I received my dispute results back from XXXX on XX/XX/XXXX Credit Acceptance had reported the balance still inaccurate and also reported my account as 60 days past due! I have never missed a payment and also have made all my payments on time. I contacted Credit Acceptance on XX/XX/XXXX to advised the inaccurate reporting and ask them to show me where I missed a payment and a supervisor name XXXX advised me she does not show a missed payment on my acct. She did email my information to the Credit dept team and asked me to wait for 1 week to get a callback. I accepted this loan because this company was supposed to help me rebuild my credit and instead all they have done is report my information inaccurately to affect my credit negatively. I don't understand how is that they can report false information and there's no penalty to the creditor but as for me as a consumer I will be affected negatively. This reporting of 60 days late has a huge negative impact on my credit. I agree to settle this account and close it out so I can get into another vehicle unfortunately that is not the case now since they have falsely reported a payment missed 60days late on my report that will cause me to not be able to get into another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NC
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:
I have contacted XXXX 27 times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a Virginia address and I live in North nCarolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Back in XX/XX/2017, my credit card company XXXX XXXX XXXX accidentally marked my 8 Coinbase transactions as fraud and blocked them as a result. The transactions totaled {$1800.00}. I received a notification of this from Coinbase through email, which stated that I may need to sort this out with my bank. XXXX pushed these transactions through a few days later after I sorted the issue out with them over the phone. However, Coinbase took a little over 6.2 Ethereum ( virtual currency ) from my account days later on XX/XX/17 to cover the credit card charge backs. This equates to {$1800.00} of purchases, which are outlined below along with their Reference ID/ARN codes. My bank statement is also attached. I have still not been refunded my money. 

Amount Reference ID {$360.00} XXXX {$100.00} XXXX {$300.00} XXXX {$410.00} XXXX {$100.00} XXXX {$200.00} XXXX {$150.00} XXXX {$100.00} XXXX {$36.00} XXXX I have since then reached out to Coinbase on multiple occasions in attempts to sort out the issue. For the first year, I received no responses other than auto replies and generic emails acknowledging the inquiry. My most recent exchange occurred from XXXX to XXXX this year. During this exchange I provided them with my credit card statement and ARN transaction codes that show that funds were sent from XXXX to Coinbase. My credit card statement initially sent me Security Credits for the transactions it mistook for fraud, but the same bank statement will also show that all of those credits were reversed shortly thereafter. 

I've attached my credit card statement from XX/XX/2017 along with multiple email threads of me reaching out to XXXX. The most recent email with the subject title " Case # XXXX - Case #  XXXX Unresolved Since XX/XX/2017, explains the dispute the best. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sent letter about a debt to Jefferson that I am not aware of and it was put on my personal credit report as a collections of XXXX which has effected my credit report rating I would like this updated and removed off my credit report as this is not my debt.

Company response to consumer: Closed with explanation