BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-22
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:
On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, XXXX and XXXX  from Universal Acceptance Corporation Debt Collection Representatives for a fraudulent Car Hop auto loan account thats not my account, is a fraudulent account and the result of identity theft. Its very appalling, disturbing and frightening to be receiving phone calls of XXXX and XXXX threats from Universal Acceptance Corporation Debt Collection Representatives. I am in fear of my life. Universal Acceptance Corporation is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under  Federal and State laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Ascendium Education Group
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ascendium ED Solutions is reporting false information on my credit and has caused my credit to decrease over 200 points in the last cpl months bc of this false information. 
My original loans went into default in XXXX, they are reporting them as of XXXX. They are knowingly reporting fraudulent information on my credit and should face consequences for knowingly doing illegal reporting. My loans have been in default for over 8 yrs and they should be takes off as old, outdated debt. 

Ascendium ED Solutions is knowingly reporting fake information to damage my credit on purpose. They should be held accountable and face consequences for knowingly reporting false information and the huge opportunity costs that they have put me through on account of illegally damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
Around XX/XX/2019 my vehicle financed by Bridgecrest Auto suddenly stopped in the midst of a Kentucky  state highway. The vehicle had to be towed to a facility. Since the vehicle was initially purchased I never missed any of my monthly payments. When it was determined the engine failed on my vehicle, the extended GAP insurance i had been paying for refused to cover replacement parts needed to get the vehicle functioning again. I informed my finance company, Bridgecrest Auto I can not continue to make payments towards a vehicle I was unable to drive. Therefore, I voluntarily surrendered the vehicle back to Bridgecrest with the understanding the account would be listed on my credit report but as a voluntary surrender. When Bridgecrest was contacted by the Illinois Attorney General, the responded stating I indeed surrendered by vehicle and that it was not a repossession. However, they have reported the loan as an involuntary repossession and are refusing to change this. I understand the account should be listed on my credit report but it should be listed accurately. Reporting this default loan as an involuntary repossession is not an accurate statement and should be changed to reflect its true status as a voluntary surrender

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I tried to cancel my loan with lendingclub but I was unable to do so because of the XXXX XXXX. When I tried to cancel my loan the next day, I was told that it was 1 day out of the loan cancelation period. I think this is unreasonable and was surprised that they wouldn't work with me to refund the fees charged or offer a partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Harley Davidson Financial Services Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
OnXX/XX/XXXX my XXXX XXXX XXXX XXXX was destroyed in an accident that resulted in my wife suffering a XXXX and 42 days in a XXXX. around XX/XX/XXXX HDFS was provided with the name of the insurance adjuster and claim number and I was told no problem we will take care of it. Shortly thereafter I started getting late payment notices on my credit report and after multiple calls to both HDFS and XXXX nothing happened. InXX/XX/XXXX a tow truck was sent to my house to repo the vehicle that was sent to salvage in XXXX. XXXX finally made a payment on XX/XX/XXXX. 7 months later. They have in writing that it was in part due to HDFS sending them the wrong information that it took so long. Needless to say all HDFS could do was continue to hit my credit report with missed payments as I now sit unable to work because I have to take care of my wife at home 24 hours a day. 

It took the GAP coverage until XX/XX/XXXXto make a payment which still left money due which when I asked I was told it was for interest payments. Which by XX/XX/XXXX that account was paid about 2 years ahead of time. I have asked for a breakdown of all payments received and all charges applied to the account along with dates and amounts sent to XXXX for payment. 

The poor customer service this company and others provided me drove my credit score down from XXXX to XXXX in months, thus when I went to refinance my house to use the XXXX in equity in it to keep all my bills current until I could work again, my score was too low. HDFS and XXXX caused my family great financial harm to the point that I am usually within DAYS of having my house foreclosed on and vehicles repossessed. 

One year to process a simple 100 percent destroyed claim on a motorcycle and I now have statements showing that the about {$800.00} that was left after the insurance companies paid, has now grown over 4,000.00 Additionally I was informed that the motorcycle was sold. I dont know how a vehicle that I was paying for and still getting billed for could be sold without my Knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft Report # 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 2019-09-22
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom it may concern : Recently I inquired about my credit report through the credit reporting agency Experian.com I noticed some addresses on my report that were wrong. Through the website 's dispute system I have submitted an allegation for each dispute. I was provided with reference/report numbers for each allegation.

I am contacting the consumer finance bureau in order to make sure my these complaints are resolved, for me, by the credit reporting agency in a timely manner, and through by its notice resolution is provided to me without me having to look for it ; by means of US mail / E-mail or through the Consumer Finance Protection Bureau. 

Experian.com provided me these reference # 's as a receipt of my disputes a I had reported them. I was provided the following : Address id : XXXX Report # : XXXX Address id : XXXX Report # 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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 been receiving harassing and threatening telephone calls of profane and abusive language, threats of garnishment of wages, being sent to jail, violence and death from XXXX XXXX XXXX, XXXX XXXX XXXX Hospital Debt Collection Representatives for a fraudulent debt of {$200.00} and account thats not my account and is the result of identity theft. The account and debt is a fraudulent account and debt thats from identity theft. Its extremely appalling and frightening to be receiving telephone calls of death threats. I am in fear of my life. XXXX XXXX XXXX, XXXX XXXX XXXX Hospital is in serious and major violation of of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.

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 2020-05-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In the past ive had identity Theft so theres alerts on my credit i cant write checks or open a bank account due to chex systems error. Please Ive been trying to clear this out but been unsuccessful. The financial institutions stated its chex systems reported theft. please lift what ever is on chex systems .thanks 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 2022-01-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from 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 non-monetary relief
Consumer complaint received 2018-01-06
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
on X/X/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out

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 2022-10-06
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXT 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
During XXXX 2017, I paid XXXX two payments for my XXXX package. They took more funds from my account than authorized. I submitted a unauthorized transaction to XXXX XXXX XXXX and asked them to put a stop payment on any other transaction by XXXX. Since this time, our account have been charge over {$48.00} in bank return fees for the same {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My name is XXXX XXXX. I have an account at US Bank. I have in the past had problems with US Bank over drafting my account even when my preferences are set for my card to decline if the account has insufficient funds. I took all the money out of my checking account save {$6.00} on XXXX XXXX, 2017 with plans to close the account later on. Due to past terrible experiences ( I have attached an email detailing those experiences to this complaint ), I put it off until I recently checked it and found that it was {$100.00} overdrafted. This was due to a {$6.00} payment taken out by a company that I had changed my payment method with, but who apparently did n't change over my payment information for this new card even though I inputted it as my preferred payment method. While they refunded the initial overdraft fee due to this payment, there was still a {$.00} deficient that they charged on now from XXXX XXXX to XXXX XXXX. This deficit should n't have existed at all since I was made to understand that the account was set up to not except payments that over drafted the account. It was also was previously set up with 'over draft protection ' meaning it would take from the associated savings account if the checking account did n't have enough funds, which would have in this case, made it where the account did n't over draft. Meaning that even if neither of the two times I went in to correct the problem of my account over drafting worked, this problem still should not have existed in the first place.

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 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I paid Capital One {$400.00} and they carged me {$200.00} in interst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Main Street Holdings, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
First on XXXX XXXX, XXXX I called to make my first installment payment. They do not accept any kind of payments over the phone which is a big inconvenience. However, I do pay my bills responsibly, this was XXXX weekend and with the hustle of the holidays, I did forget to drop off a money order. I spoke with XXXX on XXXX XXXX and apologized and tried to set up arrangements for my payment with my next check. I even offered to make 2 payments ( which of one would be early ). I was told this was absolutely unacceptable and that if I did not pay the very next day, I would be taken to court. I again apologized and ask if she would please work with me, because I get paid bi-weekly. I was told absolutely not, pay the next day or else. She kept threatening me in a rude tone. I told her that she could not do that, that I know you have to send out a right to cure and that right has to expire before legal proceedings can occur. She said no I do not have to do that and I will take you to court tomorrow. I then called the district manager and was told that I was right, however I was still made to feel like she did n't want to help me. my right to cure was then sent out that day after I was told by the DM it had been mailed on the XXXX. XXXX also called my husband and disclosed 3rd party information. She was asking him when I was planning to make a payment and that my acct was behind. My consumer rights have been violated and I feel as though the DM did n't care that XXXX had broken the law and said nothing in regards to her disclosing my information. I also feel like I 'm not the only person that she has done this to because she seemed so comfortable with doing this. The DM ( XXXX XXXX ) when told about this matter said " oh she did '' and that is all. XXXX XXXX said that XXXX was the new manager and was trying to collect past due people in any way she can. This has not been handled properly, I feel that this manager obviously needs more training and be told you can not threaten people in this line of business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: Google Compare Credit Cards Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX scan me with a lot of money because they know I have a lot of money they somehow got into my account which I use the washer and dryer and by doing that they leaked into my account and stole a lot of money the XXXX association tracks how much funding they have to come from me I have a document to give to you on my file with the XXXX which is shut down for some reason this website is not working accurate I cleaned out the system where the XXXX  system will be updated soon so my jobs completed with them they will be having a working foundation now but by the meantime the scamming must stop is against the laws of crime I want my money back in my XXXX  account where they took the money out of and then they leaked into all my other accounts by doing that because my accounts are linked together XXXX a whole bunch of other accounts I have as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I The consumer selected a vehicle on line offered for XXXXThe dealer increased the price to XXXX Unaware that the total loan of 72mo =XXXX. As of XXXX2017 the pay is XXXX. Paying XXXX/no. ,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Flexible Finance, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I thought this app would help they promise to split your rent in two payment installments. I told them my rent amount as XXXX on XX/XX/2022. They split it into two payments and one was supposed to come out XX/XX/2022. I checked my account and nothing came out and my rent portal Showed no payment. So later that day I checked again now it said service error. Need to retype the amount so I did. The next day I checked again and still it said scheduled payment. Later that night I checked my bank account and they took out THREE payments of XXXX! My account was negative XXXX dollars! I emailed them asking to cancel and refund my money. Someone responded saying they can not find my account. I provided my name number and email. Then I get a response back they are working on it. At this point its Sunday night and I couldnt contact my bank. Monday morning I checked my account now its over drafted XXXX dollars because my other automatic first of the month payments for light etc had come out. I called my complex still no payment on my account. I email them again to refund me and cancel my account. No response. I call my bank and have to cancel my card and wait for the three payments totaling in XXXX clear before they credit me. Now Im negative XXXX due to a service that was promoted to help. Then I receive an email at XXXX that they tried again to pull money from my account. XXXX hours later at XXXX XXXX  I get an email they paid XXXX dollars for my rent which said my rent was XXXX but still doesnt show. I check the app and now they adjusted my amount to XXXX for the next payment to be drafted! Im going to probably close my bank account because Im so scared they will take more. They will not cancel my account and if they did pay XXXX I can not afford that. Im a single mom now with no money to even buy food or gas and they wont even respond to me and cancel and refund me. This app is robbing people!

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