BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I had purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX XXXX, MD. Financed with Bridgecrest Account # XXXX. Up until XX/XX/XXXX I had issues with my XXXX XXXX XXXX and finally after jumping through hopes with XXXX and Bridgecrest it was offered to me that my vehicle would be bought back from me with out taking a negative hit to my credit. I eventually got a XXXX XXXX XXXX Bridgecrest financed again Account # XXXX. My interest Rate went up because what I finally found out after calling with Bridgecrest and XXXX is that when they bought my vehicle back even though I had made every payment on time they would have the credit Beauru to delete my on time payments that I had worked hard on and know when I bought my new vehicle my interest rate went up because of my credit score. SO I am out the 6 months of onetime payments I had paid towards my other car and my credit score is unchanged or worst. I was never told that my credit score would change like that after switching out into a new vehicle.

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 2020-12-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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:
XXXX sent a letter to XXXX and XXXX XXXX about Credit Acceptance Corp account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XXXX I Debt Validation Letter was sent to Credit Acceptance Corp. I have never received a response to this request. XXXX Validation of Debt was sent to XXXX and XXXX XXXX for Credit Acceptance. XXXX Second Validation of Debt was sent to XXXX and XXXX XXXX for Credit Acceptance Corp. XXXX I sent a letter to XXXX and XXXX XXXX stating some factual disputes and also that Credit Acceptance Corp had not responded to my Validation request. XXXX I filed a CFPB Complaint XXXX which included XXXX XXXX and XXXX not reporting correctly according to the CFPB. XXXX I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from Credit Acceptance. I have proof this was mailed out. I also sent on XXXX letter to XXXX Stating that a Debt Verification Letter had been sent to Credit Acceptance with all this information in it. XXXX sent letter to XXXX XXXX stating factual inaccuracies. I received notice on XXXX from XXXX that Credit Acceptance Certified that the information was accurate. Also in that same report I saw where Credit Acceptance was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. Credit Acceptance Corp did not notify XXXX of XXXX XXXX I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also XXXX was told by me in the last letter that I had contacted Credit Acceptance Corp asking for Validation again and XXXX  still allowed Credit Acceptance Corp to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.

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 2021-09-03
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a collection notice from MCM on a credit with XXXX, account # XXXX and Midland Credit Management account # XXXX. The amount is {$620.00} and they offered me a settlement for {$370.00}. I have contacted them several times online and by phone to pay the settlement they offered me but they said they can not get my account and that I need to wait some time, at least one week more to get called about the debt. I explained them I need to fix my credit report but they said they can not do anything about it. The Phone #  they give me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I checked my credit and found out the credit card company closed my account because I dont have a real estate loan I rent and I am a woman on social security age .. this is the 2 one this bank has closed because of being 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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without 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 2019-08-25
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Credit Management ( MCM ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default XXXX XXXX card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was MCM again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
MCM called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from MCM. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated MCM was considering sending this account to an attorney in our state for possible litigation. To please pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America has cause major stress for me the last 30 days. I had ach transactions I e attempted to stop that they said would stop. They didnt, they went as far as having to close my account to try to get it to stop but yet it continued for almost a week. They finally got it to cease but instead of correcting the fees due to their error, they took the money for the fees from one of my other accounts. Didnt return my money. I had to fight tooth and nail to get those fees corrected because the system wouldnt allow them to go through. This was finally fixed after multiple calls due to their representatives dropping the ball.

Then, I had to dispute two items. Those of which were filed incorrectly. They gave me a temporary refund on the items, and because the items were filed incorrectly they later took those funds back out of my account. I was told it was because I didnt submit documentation l, but upon speaking to a representative, she and I both saw that no documentation was ever requested. So she then refilled it for me, but now Im out of that money too. Then I look today and theyve taken more money out of my account that I am now on the phone currently ( 45 min hold ) to find out what it is for. Im so sick of this bank. Im completely done!!! I wish I could sue the pants off them because there is no rhyme or reason for this especially when it all due to their own errors. Each and everytime. Im doing what I am supposed to as a consumer, yet Im getting the short end of the stick and they get to rob me blind with no notice whatsoever!!

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 2020-05-07
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: Information belongs to someone else

Complaint:
I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.

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 2019-02-05
Company: Experian Information Solutions 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:
I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX  XX/XX/19 and spoke with XXXX XXXX he stated that XXXX told them to add the fraud alert again on XX/XX/2019. My file number for the removal for XXXX XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called XXXX  on XX/XX/2019 the confirmation number is XXXX. Received a letter from Experian XX/XX/2019 that they added and extended fraud alert for 7 more years

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 2019-02-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by XXXX XXXX XXXX, d/b/a Mr. Cooper effective XX/XX/XXXX. On XX/XX/XXXX, the lender sent me a message that my escrow is in deficit and that I owe an extra {$6.00} per month. My escrow account is only for PMI payments. I pay {$1800.00} every month to my lender. This includes principle, interest and PMI payment. The lender then pays PMI out of the escrow account. I don't have access to the escrow account. My loan is a 30 year fixed rate mortgage and the PMI payment does not change. 

The lender 's allegation that my escrow is in deficit is wrong and fraudulent and deceptive as I don't have access to my escrow account and I never missed a payment. I am current on all my balances and the latest monthly statement shows {$140.00} in my escrow account. The escrow review statement seems like a shakedown to increase my monthly payment on a 30 year fixed mortgage. 

I sent a letter to my lender on XXXX XXXX, XXXX asking them to fix this, but they have not responded. I also called them on XXXX XXXX, XXXX and XXXX XXXX, XXXX but they are unwilling to resolve this issue. but they are unwilling to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
please see the attached for a detailed account of what I experienced. Amex forced me into arbitration ( this time via messaging -- > please check the records, I will also be subpoenaing to obtain this information, as I requested a record of the chat, and I have not received any such copy/transcript as of my writing this comment ). In a nutshell, Amex XXXX my credit score and now keeps repeatedly forcing me into arbitrations/to pay them money when it isn't due or they wont approve my purchases ( which I need to make to pay them ). They have done this to me three months in a row now. The fact that I'm not homeless is a small miracle ; and, honestly, it is a testament to how strong my support system is - both my friends and family members. I couldn't have asked for a more amazing base. And I've needed it with everything Amex has put me through. I am a genius ( literally ), and, if Amex had their way, instead of contributing to science and helping humanity, I'd be dead, in jail, or homeless specifically because of their actions. If I did not get lucky by happening to have people in my life willing to support me, this is what would have happened. No question. And the fact that it has happened three months in a row is not only INCREDIBLY criminal ( and in violation of SEC Ethics and International banking regulations ), I feel this is purposeful negligence. They know that they have wronged me, and they also know that I'm still in a precarious position. What better way to get rid of a potential lawsuit than by bankrupting the prosecution and illegibly forcing them into insolvency. Because that is what is currently happening. And despite their best attempts, I am wealthier than I have ever been ( please see the attached ), and I will be using my newfound wealth to make sure Amex sees repercussions. I was going to allocate {$50000.00} to pay off my student loans ; however, that can wait ( /s ) - I have a better use for that money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, 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:
The XXXX Credit Bureau is reporting inaccurate information on COMENITY CAPITAL/HSN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, 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:
EQUIFAX AND XXXX " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Old information reappears or never goes away

Complaint:
Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, equifax and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.

Company response to consumer: Closed with explanation