BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Not Liable, Car Was A Lemon, Repossessed. And Auctioned!

Unfair And Illegal Interest Rate 24.99 % NYS! 

Requesting Credit Acceptance Corps To Delete and Cease To Exist Their Predatory Damaging Information On All Three Of My Credit Report 's ... XXXX, XXXX and XXXX! 

First Formost Violated My Equal Credit Opportunity Act As A Consumer. And So Far Violated NYS ... Ucc Law 9 - 610, General Business Law 349, Gen. Oblig. Law 5 - 501 ( 1 ), Banking Law 14 a ( 1 ) And NYS Lemon Law In June/2012 In need of a car for work. I walk into one of Credit Acceptance Corps car dealership XXXX XXXX XXXX XXXX in XXXX NY with {$2200.00}. The car was {$12000.00}. They said they help me finance the rest at 14 % Interest. Unaware of loans and interest and there persuasionion tactics they had me sign papers for the car. I left the Car Dealer with two documents. # 1 Document ... Retail Purchase Agreement a break down taxes, registration and sevice contract, totaling {$14000.00}. # 2 Documents was registration and inspection papers.The car was a Severely Corroded and a Mechanical Lemon ... corroded undercarriage, transmission clucking noise and hard knocking in the engine. No one would honor the service contract because of the severe mechanical issues. I contacted Credit Acceptance Corps and XXXXXXXX XXXX XXXX XXXX the car dealer about the issues with the car to no avail they suggested that im responsible to get it fixed. Four years later XXXX i got sick missed a monthly payment. Without notice Credit Acceptance Corps Repossessed the car and auctioned it without giving me notice. 
In XX/XX/XXXX i recieved a collection notce from a law firm hired by Credit Acceptance Corps to collect some balance. That collection notice came with a # 3 Document i signed but was never given to me when i first recieve the other documents when leaving with the car XXXX. That third document had the true finance break down including the interest rate they charge me with which was 24.99 %. 

Once Again And Keeping It Briefly ... Requesting Credit Acceptance Corps To Delete and Cease To Exist All Their Info On All Three Of My Credit Report 's ... XXXX, XXXX  and XXXX. 

Not Liable, Car Was Lemon, Repossessed, Auctioned ... NOT LIABLE! 

PS ... NYS Consumer Affairs, NYS Attorney General, NYS Civil Suit and NYS Criminal Law ... ( Penal Law 190.40 ) Thank You CFPB!

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 2018-11-08
Company: SYNCHRONY FINANCIAL
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:
Hi. I received a statement from the PayPal Credit showing a charge for {$670.00} plus {$38.00} fees, plus {$11.00} interest. It looks like it was a single purchase which I did not make because I do not have PayPal account and card. I have called customer service and told the representative that I did not do it because I had no PayPal account and credit card. I asked her when was the account opened she told me last year. It looks like the account was opened by someone else, a fraudster, or this is a fraudulent charge by PayPal because the statement is not clear to me ... I have received again the statement and I am very much upset about. 

I have no intention of paying the bill. I am a senior citizen and I am not the one who would do anything to myself to have unnecessary problems ... 
I hope that you will be able to help me out with this issue and I will be very grateful.

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 2018-11-08
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank, paid the wrong insurance company from my escrow account on XXXX, somehow they sent a payment to XXXX which is not and was never my insurance company. My insurance company is XXXX XXXX XXXX XXXX XXXX XXXX, another payment was then sent to the correct company mentioned on XXXX. 

The amount of XXXX has been debited from my escrow account twice. 

Last week ( XXXX ), I called Flagstar and informed them of the issue, the first customer service agent said that the system was down and there was nothing she could do. I called back and spoke to someone in the insurance department that mentioned that she would investigate, this took 50 minutes of my time. Yesterday I got phone calls that I was not able to get to, I called back and the message said that a detailed voice mail was left ( but this is not so ). I called Flagstar again on XXXX and spent 90 minutes on the phone, after being transferred four times, I was informed that the system was still down, so they could effectively do nothing. They dont know the status of the first wrong payment, they cant send me a detailed list of transactions, nothing. The agent did mention that the new payment was successful ( per notes that she found somewhere else ), but thats not the issue that I asked to investigate, I need an investigation about the wrong payment being sent, and I need that money back in my escrow account. 

This same agent yesterday mentioned that the first payment was sent to my old insurance company, I corrected her and told her that XXXX was never my insurance company, somewhere along someone mixed up my information. 

Flagstar is also unanble to send information via emails per employees, additionally Ive asked about complaint or customer relationship department and theyve avoided the question ( they say they dont know ). 

I believe that the issue is now affecting my escrow evaluation causing my payments to go up.

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 2022-08-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, have 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 2018-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
Wrong information reported on Experian credit report. I do not have a collection with XXXX in XXXX. I opened the account in XXXX with XXXX not a collection issue. Experian fails to report accurate information and cares nothing about individuals financial social status. Once again, the reporting of a XXXX collection in XXXX is inaccurate and they are only reporting eight years of credit history when my first student loan was in XXXX of XXXX. I have over twenty-three years of established credit. Your credit bureaus are ineffective at reporting accurate credit.

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 2018-11-08
Company: Valley Collection Service, LLC
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 a 3rd party account called XXXX was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to work on my credit report every since my identity was stolen. I have some child support and auto loan that I am not responsible for. 

I've reached out to the credit bureaus but I've not been able to reach any outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: MidAmerica Mortgage Inc
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a 30 year fixed, VA loan at 3.25 % with Mid America Mortgage. 
My payment has historically been XXXX/month until I was notified that my payment would increase to XXXX/month beginning XX/XX/XXXX and another increase to XXXX on XX/XX/XXXX. I was told that this was due to increases to insurance premiums. 
My insurance is only $ XXXX/year and the cumulative increase from XX/XX/XXXX to XX/XX/XXXX is XXXX or XXXX/year. I was already paying PITI monthly when my payment was XXXX/month so something is drastically wrong with the management and administration of my account. 
I have brought this to their attention ( Your reference/ticket number is XXXX ) but no one is responding to me. When I attempt to call customer service, the automated menu system does not recognize my SSN or account and dumps me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Weinberg Mediation Group LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail from a XXXX XXXX with Wienberg stating the message is for XXXX XXXX last 4 of social XXXX. He is calling in regards to the complaint filed against my name and social and docket # XXXX. He did not give a company who filed this complaint. He gave me until the end of business day for me or my attorney to return is call or it will result in a court order issued at my place of employment or residence. His direct line is XXXX, ext XXXX. Thank you and good luck. I do not know who this Wienberg is and have not received anything in writing or any prior phone calls. While I do have debt, I have no idea if this is legit or not because this man won ; t give me any info or mail me anything in writing. Only threats. They called my previous place of employment leaving all the same info, my ex-husband who I have not spoken to i over 10 years and my aunt.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Navient Solutions, LLC.
State: WA
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:
XXXX is still reporting my delinquent Navient account beyond the 7 years. The date of last payment as reported by XXXX is XX/XX/2013. So why havent this item been removed yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 Transunion deleted my XXXX XXXX credit card from my report by accident. I disputed another card that was not suppose to be on my report and they deleted the one that belongs to me which dropped my score tremendously.

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 2018-08-28
Company: Freedom Mortgage Company
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage is claiming there is a shortage in the amount needed for my escrow and claim that it is due to a random " estimation '' with no proof to back it up. They are forcing me to pay an extra {$300.00} immediately, plus {$5.00} increase in my escrow per month. 

Looking up reviews on the company, Freedom Mortgage frequently does this scam and frequently claims the escrow account is " empty '' even after paying into the escrow and the company has not paid anything out of it.

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 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you

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 2018-06-19
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After I graduated from XXXX in XXXX my payments were supposed to start for my loans. When they told me it was going to be over {$600.00} a month I told them I could not pay that and tried to get it lowered. They told me that wasn't possible and that I would either have to go into forbearance or default. Because I did this and only paid interest my loans have doubled from what I borrowed. They finally worked with me to get my payment lowered in XXXX, only after finding out my parents went through bankruptcy and my mom was the cosigner. So now I have this large amount of student loans because I was not given the correct information that I could work out a payment plan, and now I have to call back every 6 months to get my lowered payments continued. I was willing to pay, just not that amount they quoted and I was told they could not help me. This should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nordstrom claims on my credit report that I have an amount unpaid on the card, however I paid this amount and have the receipt of me doing so. Their claim on my credit report of this incorrect amount has resulted in a major drop in my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A hard inquirer to credit company by Citibank on me XXXX XXXX with out my knowledge and my permission. This hard inquirer lowed my total credit score.

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 2021-02-20
Company: EQUIFAX, INC.
State: OH
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 have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information may also have been impacted by the equifax data breach and XXXX have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
JPMORGAN CHASE INC, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX DENY ELECTRONIC FUND TRANSFERS ACT XX/XX/XXXX, 15 USC SUBCHAPTER VI SECTION 1693a :  DEFINITIONS ( 2 ) ACCOUNT AND ( 7 ) ELECTRONIC FUND TRANSFER AND SECTION 1693i : ISSUANCE OF CARDS AND OTHER MEANS ACCESS ( a ) ( 1 ) RESPONSE TO A REQUEST OR APPLICATION and ( 4 ) VALIDATION IN RESPONSE TO REQUEST ( MULTIPLY REQUESTS MADE WEEK BEGIN MONDAY XX/XX/XXXX TO END XX/XX/XXXX ) AND RETROACTIVE APPLICATION XX/XX/XXXX IN WHICH BANKER STATED CARD RECEIVED BY ( USPS ) MAIL 5-7 BUSINESS DAYS AND VALIDATED PER THE APPLICATION. ALLEGED DENIAL RESULT OF IDENTFYING XXXX XXXX XXXX CRIMES AGAINST ME ORIGINATE IN XXXX COUNTY, NY ; XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, NEVER PROSECUTORS, NYC CIVIL COURT ARTICLE 81 CAPTION, AND EVICTION XXXX XXXX XXXX XXXX NY. AND UNCLAIMED FUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: National Credit Systems,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: Public record information inaccurate

Complaint:
I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount.

Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: HARBORONE MORTGAGE, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have received two ( 2 ) debt collection notices from both XXXX XXXX XXXX and XXXX XXXX for the loan # XXXX originating from Harbor One Mortgage. Harbor One needs to immediately address this issue and ensure only one debt collection company has access to our loan. 

1. Letter from Harbor One dated XX/XX/XXXX states that our loan has been transferred to XXXX XXXX XXXX. We have not received a bill from them but this would be a third ( 3 ) debt collector. 
2. Letter from XXXX XXXX XXXX dated XX/XX/XXXX states our loan has been transferred to them. We already set up our account, provided our personal information and set up auto bill. It will not let me cancel the auto payment at this time. This needs to canceled immediately. This company has our current escrow balance and is clearly getting information from Harbor One.

3. Monthly Statement and bill from XXXX XXXX XX/XX/XXXX attempting to collect on the same loan as XXXX. 


I spoke with Harbor One on XX/XX/XXXX and they confirmed that XXXX XXXX should be the only company servicing the loan. At this point our personal information and bank account information is with XXXX.

Company response to consumer: Closed with explanation