BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I have submitted multiple disputes to remove Credit Acceptance collection from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before Credit Acceptance bought my loan and added {$5300.00} to the original amount. Credit Acceptance continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX  was added. And I just saw the news article on your website that Credit Acceptance is being sued in NY because they are doing it to majority of their customers

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 2018-02-07
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: Old information reappears or never goes away

Complaint:
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( TRANSUNION, XXXX  and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, Transunion and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: CA
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:
After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the XXXX and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: First Technology Federal Credit Union
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan was obtained through XXXX as broker and through First Tech Federal Credit union. The deposited proceeds from the loan hit my bank account on XX/XX/22, however the amount being paid directly to credit cards have not been applied, nor are there scheduled payments showing. This means I am paying interest on the funds to First Tech and to the respective credit card companies. 

XXXX - Loan Approved and Promisory Agreement Signed XXXX - Proceeds deposited into my checking account XXXX - Direct payment to cards still not posted.

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 2023-07-29
Company: EQUIFAX, INC.
State: MD
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 10th 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Accelerated Servicing Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
People keep calling me with recorded messages saying I have a debt that they want to collect on. I called the company XXXX, the number on their website XXXX, and told them I am not the person they are trying to contact and that they should remove my number. They are still calling and texting me from : XXXX XXXX XXXX I am on the do not call list but their recordings seem to indicate that by saying they are a debt collector they can call me anyway. 
They cant! I don't owe anyone any money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On several occasions, I have contacted Navient regarding disbursement of payments to my student loans. Despite my efforts, there has been no progress in ensuring my extra payments are distributed to the loan group in which I have requested ( both written and verbally ). I have put my request in writing, in addition, I have separated my accounts into 2 groups according to the loan group numbers and make the payments separately. Despite making the payments separately through online banking, all extra payments are not allocated to the principal of the loan in which I have requested. The balance on the loan in which I am attempting to pay off is {$3400.00}. Instead of applying the extra dollar amount to the {$3400.00}, Navient is applying the payment to the {$13000.00} loan in which I owe. If the payments were applied as requested, the {$3400.00} loan would have been paid in full by now. I have made several phone calls. Both loans have been current for years, which reflects the total payment due every month as {$0.00} for the {$3400.00} loan. I have been dealing with this for over a year and this process has been extremely frustrating. When speaking with Navient, I am often transferred to a " Supervisor ''. The " Supervisor '' acknowledges seeing my request on my account for extra payments to be disbursed to the specific loan however fails to ensure resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my work, left message fir me to return call to XXXX XXXX XXXX ask for XXXX And that it was urgent concerning a very important matter. So what does my coworker do, she XXXX  the number and says it discover card about a outstanding balance ... 
Very embarrased to say the least.. could not even do my job, so nervous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JP Morgan Chase Bank I deposited a check in the amount of XXXX online which they allowed me to do by the app and they froze my checking and savings accounts since XX/XX/2023 because they marked it as a fraud only because they wanted to confirm the source. I told them it is a payment for a divorce agreement in which I give my rights on a house I had in my marriage. 
They were trying to contact the person that issued the check and then finally did and confirmed he made the check. 

The check was confirmed and after that the account still frozen because now I have to provide prove of my new address in which I moved two weeks ago and I made the mistake to change my address on my account. 
They tell me my drivers license with previous adddress, my taxes, my social security number, my date of birth or my pin or my new address lease is not enough to unlock my account. 
Also that it was fraud cause I deposited online which in first place they allowed me to do and they transferred that money from the other persons account into mine. 

Chase bank also send a letter that they are going to close my accounts if they dont fix this problem which is not my fault at all. 
If they dont allow that amount to be deposited online they have to state so in the app or somewhere. 

I already showed them my identity in multiples ways and the account is under my name only and they still no giving me my money. 

To my disgrace I realized my accounts were locked when the police was taking my car with a tow truck because I parked in a wrong spot and I tried to use an atm at a gas station.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 explanation
Consumer complaint received 2021-11-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted a old friend for a loan to build a duplex at my house and they put a fake check in my account that I was not aware of and I thought it was real. Now my account is closed and the person does not answer after taking funds as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Genesis FS Card Services, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am filing this complaint against GENESIS FS CARD SERVICES, INC.. 

I have been corresponding with this company since XX/XX/2021. 
After numerous correspondence GENESIS FS CARD SERVICES, XXXX has closed my account which is an adverse action and a violation of 12 CFR 1026.13 ( d ) ( 3 ).

After careful study of Title 15 Chapter 41 I was appalled to find out that I had entered into a fraudulent agreement with XXXX XXXX XXXX which is serviced by GENESIS FS CARD SERVICES , INC . 

On XXXX XXXX I sent Notice to GENESIS FS CARD SERVICES, INC. by sending an Affidavit of Revocation of Signature, an Affidavit of Truth, a Cease and Desist, evidence proving the violations commited and a Bill of Particulars as an invoice ( which I have provided as Exhibits ). 
I stipulated that since I was misled by not having previous knowledge of what constitues a complete contract I asked the company to zero out the balance of the account, I asked them to keep my credit line open and pay the positive balance to me as well as the amount in my Bill of Particulars.

The company responded by putting my account in a dispute status where bill payment wasn't due ( which was proper ) and they sent me an Affidavit of Identity theft to send back to them.

When I received their correspondence I instead sent back a Notice of Billing Error and an Affidavit of Identity proving that I am a Natural Person. In the Billing Error I stipulated what documentary evidence is as defined in 15 USC 44. I asked them for clarification and to provide who funded this account as well as what is owed according to their journal and ledger entries. They received this notice on XX/XX/2021. 

XXXX XXXX XXXX XXXX, XXXX responded by removing all reporting from the credit agencies and they closed my account. 

This is an adverse action as codified in 12 CFR 1026.13 ( d ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: OH
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 have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Fidelity Rewards Credit Card, issued by Elan Financial Services issued a duplicate credit card for my account to an unauthorized individual in another state. I caught it and informed them ; I was forced to get a new card. Fidelity ( Elan ) has made security on my account so tight, I gave up using it and attempted to close the account. Balance is XXXX ; I requested the account be closed on XX/XX/XXXX ( sent to the Office of  the President @ Elan ). I have not received a response. I sent an email to XXXX XXXX, CEO of Fidelity as well as XXXX XXXX, Head of Customer Core Journeys. I did not receive a response. I then emailed XXXX XXXX, CEO of Parent of Elan, US Bank Corp. and XXXX XXXX, Senior VP @ US Bank Corp. and. I haven't received a 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 explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Simple # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX ) 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. 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I provided the credit reporting agencies Equifax and XXXX that the account XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agencies ) with XXXX XXXX XXXX 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. 
I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agencies word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. 

The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

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. 
XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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