BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This lender is now considered a predatory lender after thorough research on this company. The name is credit acceptance. I have a car financed with them and made payment arrangements on the vechicle. We both agreed that there is a contractual obligation in place but they would make an exception and allow the payment to be made late. This was considered a verbal contract made on XX/XX/2019. At which time they said they would accept the payment on friday XX/XX/XXXX in the interim they repossed the vehicle on XX/XX/2019. They were contacted about this on XX/XX/2019 and the  supervisor, XXXX advised that it was a system error. 

I requested the car to be released with just one payment which i was only due for one payment and it was 17 or so days past due. They stated they would not waive any  fees. Im filing the complaint so that they may be reprimanded and also im seeking punitive and physical physical damage from the company as well through a lawsuit. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER COMPLAINT AGAINST : CREDIT ACCEPTANCE

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 2021-09-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!

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: Commonwealth Financial Systems, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have never hear of commonwealth or XXXX  XXXX XXXX  that just popped up on my credit stating that I owed XXXX plus dollars. They never attempted to reach out by phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Referring to case number XXXX My case was closed with no resolution or approval for my closure. I disputed 2 transactions as one was fraud/duplicate and the other was my actual transaction. Specifically which one was fraud/duplicate and which one was mine I'm not sure. I originally had both transactions being disputed but 53rd is not assisting in any way shape or form. They just closed out one dispute without my permission and the other one they are stating that an EMV card was used. The transaction is for parking and one transaction shows XXXX, FL and the other shows XXXX, FL. If I'm parking a car how do I pay for parking with an EMV Chip in 2 different cities. 53rd has done nothing to assist with this matter. In the last case XXXX, all they said is that the matter will be looked into to but then closed out my case without a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on 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 explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: MD
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/XXXX I received two alerts regarding XXXX XXXX XXXX and was unable to retrieve additional information that adversely affects my credit for employment. 

On XX/XX/XXXX I received a notice from XXXX of two major derogatory reporting a court to find XXXX XXXX XXXX named themselves as a court on my credit file, filing an erroneous rating and comments using the Court system to reduce scores since XX/XX/XXXX and to cause more damage. In result of every dispute, Equifax allows Creditor to continue adding conflicting balances, status, etc 2 to 3 times a month like a system after receiving a dispute XX/XX/XXXX favoring a Creditor word or mouth over a consumer discovery as sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took out this line of credit for dental work that I needed to have done. I have been paying the card, paying over the minimum balance on the card but noticed multiple FINANCE CHARGE CREDIT of over {$200.00} when a promotion was over on the card. The promotion period being over was explained to me on the phone after I called to ask why an over {$200.00} change was put on to the card. I have never had a credit card with such a complicated and confusing fee structure. My balance at the end of the XXXX cycle was {$820.00} with payment of {$35.00} required, I paid {$50.00}. After my payment, the new balance is {$990.00} even though my payment was on time and more than the minimum balance. I was upset to see the increase and asked to speak with customer service to help me with paying off this card and asked to reverse those charges. Most card companies are happy to help you pay off debt and the agent I spoke to on XX/XX/XXXX told me they would issue a credit/reverse the charge to try to keep me from canceling the card. She told me that since they charge a fee to take payments over the phone that my new balance would be around {$700.00} and the credit would be seen in about 24hour. I checked my account and 48 hours later saw no credit. I called the customer service again on XX/XX/XXXX to learn that because this charge was " correct '' that they would not be reversing the change. I asked to speak with someone else to get help with this situation and was told the same thing. I do not feel that these promotion periods are clear and that they take advantage of their customers. No credit card should be this confusing and be unable to help their customers pay off their debt. They would not help resolve this issue. Looking at my transactions every day there are new fees put on to the

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-29
Company: Capital Credit and Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital Credit & Collections Service , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX A debt originating from XX/XX/2016 with the XXXX XXXX XXXX XXXX XXXX, in the amount of XXXX dollars for a medical service, was sent to collection with Capital Credit. They attempted to charge {$17.00} interest on the debt ... which is illegal, according to Oregon State, as well as Federal law. 

According to Federal Law : https : //www.ftc.gov/system/files/documents/plain-language/fair-debt-collection-practices-act.pdf 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

According to Oregon State Law : XXXX XXXX XXXX : A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ...

( n ) Collects or attempts to collect interest or other charges or fees that exceed the actual debt unless the agreement, contract or instrument that creates the debt expressly authorizes, or a law expressly allows, the interest or other charges or fees. 


I spoke with the company, who was easily willing to drop the interest, but insisted that it was legal for them to do. 

I paid the {$60.00}, but they should not be lying to people, telling them that they can legally apply interest charges on a debt, when they clearly can not. At the very least, this company should be reprimanded for these unjust and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank said XXXX took XXXX then they Went behind my back and slipped XXXX out of my account. I havent used my card for 2 days prior to this happening. This is how I know they are trying to steal from my pending transfer/deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have advised TransUnion on several occasions that I was never late on any of my open accounts in XX/XX/2020, XX/XX/2020, XX/XX/2020, or XX/XX/2020. I have provided proof that these accounts where not paid late, and TransUnion has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.

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 2023-04-11
Company: EQUIFAX, 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:
Equifax is using inaccurate information and reporting illegal items to my credit report. 

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-01-29
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Called several months ago about the chain of custody of my loan documents and proof that I am paying the organization with legal right to my debt. I was told they would send me documentation proving that they owned the debt but I have not received this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX has made it impossible for me to negotiate my loan. They insist on me calling them when I have stated on numerous occasions that I work XXXX to XXXX in a XXXX XXXX and travel at least an hour each way to and from work. I have asked if I can supply a copy of my most recent paystubs and a budget which includes the payments being made on other student loans in order to recalculate the monthly loan payment amount. I keep getting told via letter to call an extension but it is a different person each time. Furthermore, I have medical expenses which are ongoing which also impact my disposable income. Every other lender allows me to negotiate by submitting financial information. I also want to know how the payments are calculated, including the penalties and interest. 

I also want to report that Wells Fargo informed me in XX/XX/XXXX and in XX/XX/XXXX that because I was not a US XXXX I needed a co-signer for my student loan. However, on both occasions I was a XXXX XXXX XXXXr which meant I had XXXX XXXX XXXX  status in the US. This is discrimination.

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 2021-02-12
Company: Navient Solutions, LLC.
State: NY
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  is incorrectly reporting that NAVIENT is the owner of a student loan placed in my XXXX  consumer credit file under my personal information. 
On XX/XX/2020 XXXX  initiated a three-way recorded call between XXXX, NAVIENT and myself, in that call NAVIENT acknowledge to XXXX  and myself that they were not the owner of the debt listed under NAVIENT and stated that XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX at phone number XXXX was the owner of this debt. XXXX  continues to list NAVIENT as the owner of this debt in my consumer file. 
I spoke to XXXX of XXXX XXXX at the phone number provided and she said that they do not have any information under my personal identification and promptly transferred me to a California phone number where I spoke with XXXX at XXXX. She stated that they did not have any information pertaining to this debt nor any debt pertaining to my name and social security number or any other personal identifying information. A second call to XXXX XXXX in California on XX/XX/2020 with XXXX confirmed again that they did not have any information pertaining to this alleged debt. 
Navient has since, sent written documentation stating that they are not the owner of any alleged student loan under my name. This document was forwarded to XXXX, XXXX  refuses to correct or delete their reporting despite the recorded phone call and direct written documentation from Navient that acknowledged that they did not own the alleged student loan. XXXX  continues to inaccurately list Navient as the owner of a student loan listed under my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Loan # XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Check : # XXXX Issued : XX/XX/XXXX Amount : {$5000.00} Check : # XXXX Issued:XX/XX/XXXX Amount : {$4900.00} Total : {$10000.00} My name is XXXX XXXX, and my property at XXXX XXXX XXXX is mortgaged with XXXX XXXX, formally known as XXXX XXXX XXXX. My loan number is XXXX. Within my mortgage, I have set up an escrow account with the financial institution to pay my property taxes. Recently, it was brought to my attention I have uncollected refunds that we're not mailed to me from XXXX XXXX. I was notified by 3rd party agencies that I had money floating in the county. I did my due diligence and found out this was in fact true. For the reason being, the check amount was above {$5000.00}, I needed an " Authorization to Release '' form for the institution that paid my taxes, XXXX XXXX XXXX  at the time. In XX/XX/XXXX, I called XXXX XXXX and they gave me their fax number, so I faxed them my request. Two weeks passed and I didn't hear or receive anything. I called them and that is when I learned XXXX XXXX had actually denied to sign the form because of a letterhead issue. They didn't notify me by mail, by email, or by phone call. I then emailed both XXXX and XXXX on XX/XX/XXXX. Two weeks passed again and no word. I called the institution once more only for them to deny me access to the loan department. It has now been over 1 month in me attempting to recover the monies owed to me by this institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On or about Friday XX/XX/2023 I went into the PNC Branch XXXX XXXX XXXX. XXXX Pa XXXX. And once again the Bank Teller XXXX vindictively XXXX  up my deposit which was supposed to go into my Money Market / Savings Account as makes on the deposit slip. However instead she sends it to another account. And shes the most unprofessional bank teller Ive ever known because Im not there for a show n tell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have internationally transferred {$420.00} through Ria Money Transfer on XX/XX/2023. However, the money is still ( XX/XX/2023 ) not deposited into beneficiary account though its delivery is promised no later than XX/XX/2023. I have contacted multiple times in this regard with Ria electronically and over phone but not resolved yet. Besides the respective representative is not interested in providing satisfactory answer for its delay or holdup though submitted all requested paper. I therefore decided yo bring this matter into the attention of CFBC. Regards,

Company response to consumer: Closed with explanation