BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I XXXX  my XXXX  in XX/XX/XXXX u just had a baby I contacted credit acceptance to apologize because I was going broke and soon to be homeless. But I would do my best to pay something ASAP. XX/XX/XXXX car was repossessed and I paid in XXXX for it to be returned to me. I was given small jobs here and there with making just enough to eat and get toiletries and then Coronavirus came and the world changed even more dramatically. Kids cant go out in public and I cant find work safe enough to not potentially bring home the virus. I still cant find consistency with employment safe enough to be around my kids. So Im waiting for fraud to be Lifted off my case so that I may be able to pay my back due payments and keep my car which may be my only home soon if the economy doesnt change and some kind of money doesnt come flowing through I am trying my best I do need the vehicle to continue to try so I just need a little help

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 2023-09-18
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I escrow and my insurance payment to XXXX insurance was due by XXXX XXXX has yet to receive the payment Mr. Cooper claims to have made to them on XXXX The payment was due by XXXX, if it's a 2 week processing time, it should have been sent sooner than XXXX. Because of this, they have cancelled my homeowners policy and will not reinstate it until payment is received. I have attempted to contact Mr. Cooper on numerous occasions and their auto attendant does not allow you to reach an actual person. I've tried every single number provided to me. I have opened XXXX support tickets since XX/XX/XXXX ( XXXX, XXXX, and XXXX ) and all they do is respond with an automated message that list numbers that don't get you anywhere and confirm that they claim to have sent payment XXXX. As of today, XX/XX/XXXX, XXXX has still not received the payment. 

Numbers I have attempted to reach them on ; XXXX, XXXX, XXXX I have also attempted to chat with them, it's a robot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company, Flagship Credit Acceptance, has my phone number, address, and has spoken with me within the last 30 days. However, after I told them to cease and desist, they have continued calling my family member. It has happened twice within thirty days.

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 2022-02-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was sent a text from a number I do not know asking me to click on the below link. I am not clicking on something that I have no idea what it is. It was from an office... Wakefield and Associates. I do not know this place or have any debt to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to contact company several times to attempt to settle the debt since i was no longer able to make payments due to XXXX. I made payments based on what i could afford until i was not able to make payments when corona hit. I talked to several different reps who told me that I could not settle and make payments until it was down until i could pay off. The company is very rude provide inaccurate information from rep tp rep and calls 5 times out the day and when i answer the reps always hang up. My contacted company on XX/XX/2020 and advised that i previously requested for a settlement that i could pay for about 2 months and then pay off in which the rep agreed and told me she could not send me nothing in writing but to log onto account and it would be there, I checked the account several days before attempting to contact company again just to find out the information given was inaccurate again and that i could settle but i have to pay upfront and that my account do not qualify to settle and make payment for 2 months and then pay remaining balance I asked for proof in the contract where it stated that ( in which i didn't get ) it does not state that in the contract. The rep told me that the account has to accrue more interest before i could settle and make payments. I find that rip off and hideous and is not disclosed upfront. I just want to settle for the XXXX and make payments for 2 months and payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting 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:
XXXX continues to report false credit reporting on and account they is not considered credit transaction history, the account was recently removed for violation of permissible purpose but then reappeared only on XXXX. No authorization or written consent was give to furnish private source data information by either party. Violation of permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Experian Information Solutions Inc.
State: MS
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:
on XX/XX/2023, i sent letters to the CRAs ( XXXX, XXXX, AND EXPERIAN ) disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
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:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

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 2020-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have made attempts to resolve this matter with Experian via letter and phone. 

XX/XX/2020, I submitted a dispute letter regarding information that XXXX XXXX XXXX   XXXX XXXX  provided to Experian. In such correspondence, I stated that [ t ] his was a Business Credit Card for which I am not personally responsible. I specifically requested that I be provided with evidence of personal responsibility or remove this from my report. According to the certified mail records, Experian received my letter on XX/XX/2020. I have not received a reply to my dispute. 

I contacted Experian via phone on XX/XX/2020 regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. In the telephone conversation I requested that this account be removed from my credit report immediately. The telephone representative advised me that he would initiate a dispute now, and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 38 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-04-14
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My previous complaint ID is XXXX I previously filed a complaint about National Credit Systems in XX/XX/XXXX. I was never sent any kind of communication about the debt they claim I owed until I filed a complaint with you guys. This company took from XX/XX/XXXX of XXXX to validate a debt. They stated the debt I owed was for {$120.00}, but they have the debt listed on my credit for more than {$3000.00}. After my complaint was closed out they sent a letter ( this is the first correspondence I've ever received from them ) stating that I owed {$3400.00}. That letter is attached below. I already mailed the money order for {$120.00} to Attorney XXXX XXXX. As I mentioned in my previous claim Attorney XXXX XXXX was the name and contact information I was given when I first called them in XXXX of XXXX. I'm not sure how one company can be listed on your credit but the payments go to a totally different company. 

After receiving the letter and realizing that I wasn't going to get help from the CFPB or the FTC ( their website sends me back to the CFPB ) I decided to try to call them and settle the debt and have it removed. I was told by the CFPB when I called yesterday that the company can not misrepresent the debt. I'm not sure whats going on with this company. The lady I spoke to with National Credit Systems advised me to call XXXX XXXX, when I told her that it was violation of my rights to misrepresent this debt she transferred me to a manager 's voicemail. I am not sure what needs to be done to get this corrected. I do not want to be scammed. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Ray Klein, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I purchased a service from a company called    XXXX   XXXX    back in   XXXX   XXXX   XXXX  , the service involved  XXXX  virtual phone numbers to be used for my computer programmers to develop an online defense system against fraud. After almost  two months of  trying to make there equipment and services to work everyone just gave up and   XXXX   XXXX   supposedly cancelled the service, as can be verified through email correspondence attached. They claim in there emails that I was notified  on six occ asions by email and phone, this is a lie, after asking them to send me the emails they said they were not in the system. When they decided to send the account to collection the exact same thing occurred, this company NEVER once contacted me for money, not by email and not by phone. Keep in mind that  XXXX   XXXX  had all of my personal information including my address, my cell number which I have had for over 20 years and my emails. I found out about this  " Collection '' from j oining a credit bureau and saw it totally wiped  XXXX  points from my  credit score whi ch in turn caused a bank loan to be denied recently.   I disputed this collection and after some time I heard back from all   XXXX   credit bureaus,  XXXX  agreed with me and wiped off the collection, but both  XXXX  and   XXXX   did not and I still have this collection against me which bewilders me to no end.   During this situation I found that the system for the consumer is totally inept, for example to appeal the decision you are allowed only  100 wor ds!!! In my case it is a very complex situation and to fully understand the situation I can assure you it will require probably  a 1000 or 10000 words.    As far as who I am and how I pay is important, I am   XXXX   years of age, served honorably in the  XXXX   XXXX  and character is why you pay bills, on or about  XXXX  I got very sick and my income dropped to  XXXX , BUT I paid off everyone I owed, as agreed, during that time, as can be verified in the bureaus. Since I did not start using credit i.e. did not have the ability or earnings to pay debts my credit was wiped out, I do remember back in  XXXX  or so my  credit score  was  XXXX . Just wanted everyone to know ...    One other  matter I noticed, perhaps does not mean anything, but   XXXX   XXXX   and  Professional Credit Services are  in the same state and across  the street from each other, I think they are owned by the same company, if so woul d not that alone violate some regulations or laws?     I have attached the results of the credit bureaus decision along with my bank denial for credit based on this collection plus a word document that has the email correspondence between my self and  XXXX   XXXX .     I thank you for any and all consideration in this matter ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
I have a Citibank AAdvantage XXXX. This is my oldest credit card account ( XXXX years ) and is a major positive contributor to my credit rating since I have a perfect payment record. 

For some years, this card has not reported properly to XXXX and does not show up on my XXXX credit report, although it reports properly to both XXXX and XXXX. 

XXXX claims that the problem is on the Citibank end. I have contact Citibank 's Credit Dispute Unit multiple times by letter ( in XXXX, XXXX, and XXXX of 2021 ). Each time I get a form letter back saying that they have " requested that the consumer reporting agencies begin to report this account ''. They take the same action each time, even though my letters clearly state that this has not worked and the issue needs escalation. 

There is no apparent way to escalate this issue, since Citibank 's customer service simply states that all credit dispute requests must be put in writing, and Citibank 's XXXX support states that the Credit Dispute Unit is an " offline organization '' and does not engage with their normal support channels. 

My belief is that this is a simple technical glitch that could be resolved quickly, but there is no way to escalate it for resolution between the XXXX entities ( Citibank and 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 2020-09-21
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a TPP Loan Modification plan on XX/XX/2020. It required that I make 3 TPP payments for XXXX, XXXX and XXXX of {$1900.00}. I made all 3 payments on time and have continued to make the payments due for XXXX, XXXX, and XXXX. I received and returned the executed and notarized Final Loan Modification to the lender and confirmed its reception with the lender. 

However, i received a notice shortly afterwards that the Final Loan Modification was denied due to my ex-wife not signing the document. I was not informed that she had to sign the document since i previously submitted the Marital Settlement Agreement and the Quit Claim Deed to the lender, when I initially submitted the Loan Modification package, and the lender acknowledged that i held the only interest in the property. 

Due to this, the TPP agreement only required my signature and my ex-wifes name was removed from the loan correspondences i received. In addition, only my information was provided for the Loan Modification review. I appealed the result and they stated that they did not have to inform me if there was an issue with the documents and that the QCD should have been submitted with the Final LM documents, even though they confirmed that they already had the QCD and the martial settlement agreement under my file prior to me receiving the Final LM agreement.

As with the TPP Agreement, i was informed by the lender that my ex-wife should not have been required to sign the documents since i was awarded the property in the divorce and title was transferred to me only. As is stated in the correction documents, the lender had the requirement to let me know if there was an error with the LM documents so they could be corrected. By not finalizing the LM there has been a breach of the contract terms and requirements by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX/XXXX  XXXX,

Company response to consumer: Closed with explanation