BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am an elderly, XXXX woman. 
I went alone to purchase a used car in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone ( XXXX ) XXXX XXXX works with following company to get loans financed : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX phone ( XXXX ) XXXX XXXX asked ME for {$11000.00} for a XXXX XXXX XXXX, 4-door sedan with odometer reading of 90,818. THIS PRICE WAS NOT ON THE CAR FOR ALL TO SEE. I thought this was high. 
I asked for the XXXX Report and the salesperson indicated their fax machine was not working. Instead he provided a report titled " Vehicle Compliant with Credit Acceptance Policy '' which indicated there was no damage to the car. 
I agreed to purchase the car and asked for gap insurance. The salesperson indicated that gap insurance could not be obtained that day if I wanted to drive off in the car. I had financed one other used car which was totalled and the car insurance did not pay off the entire loan so I definitely wanted gap insurance. 
The salesperson indicated I could obtain gap insurance the next day. I had taken public transportation to the end of the line then gotten in a taxi to get to XXXX XXXX so I signed a document, under duress, indicating I did not want gap insurance. When I called to obtain gap insurance the next day, I was told I should have gotten it the day I purchased the car and could not obtain it.
The terms of the loan : Amount financed : {$12000.00}, APR : 23.99 %, No. of payments : 54, Amount of payments : {$380.00} beginning XX/XX/XXXX ; Finance charge : {$8100.00} ; Total of payments : {$20000.00}. 

The amount financed of {$12000.00} was reached as follows : asking price of car : {$11000.00} + {$760.00} in sales tax - {$1600.00} downpayment = XXXX plus following costs/fees : XXXX extended warranty contract ; {$20.00} fee to release security interest ; {$170.00} fees for certificate of title, license and registration ; {$390.00} seller 's processing fee. 

When I tried to trade the car in the next year, I was told by a XXXX XXXX dealership salesman that the XXXX XXXX value of the XXXX XXXX in XX/XX/XXXX was about {$4000.00}. The XXXX XXXX salesman provided me with a XXXX Report which indicated that the car had been damaged in an accident and there was a recall on the car. I feel that I was grossly over-charged for the car by XXXX XXXX, about THREE TIMES its value, and that Credit Acceptance added insult to injury by charging me 23.99 % which is practically illegal!!!!! I definitely believe the asking price was high because I am elderly and female.

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 2022-04-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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 2020-02-21
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:
I have disputed several times that accounts were closed and paid off. Experian does not update the report and displays incorrect information. Ive submitted proof of documentation that the account is paid off and they do not remove or update the accounts.

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 2020-02-21
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I tried to make a balance transfer from XXXX  XXXX XXXX to pnc there was promotion and i did it over internet. After over a week i see that my balance is still the same at the XXXX  XXXX XXXX bank and pnc balance is already higher because of the transfer. So i called the PNC bank and asked them how come money is not at the XXXX  XXXX XXXX yet, I was told that it can take up to 10 business days and check is still on the way. After 10 business days my XXXX  XXXX XXXX is almost due and I don't want to pay interest on it so i call again PNC bank they looked into it again, and told me that they sent to the wrong address. I was told that they will put a stop on the check and send new check to correct address, now is 9 business days from posting to my account but i called more than 10 business days to record the problem with the bank, PNC bank holding balance of money that i never received, XXXX  XXXX XXXX i already paid off because PNC bank couldn't make a payment in time. Now is over 1 month later they charged me fee of 3 % I never received the money I just checked with XXXX  XXXX XXXX, I also called the PNC bank I was told that check was processed already, I have no money in my account and on statement at PNC bank according to them, transfer was made. Now they try to say that it can take up to 26 business days, I was told if i try to close the account I still need to pay fee of 3 %, Which i never received at the first place. what is the best solution. I just want my money back and never have to have account with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
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: Account status incorrect

Complaint:
The XXXX XXXX XXXX XXXX XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I finance a vehicle to Chrysler capital and in the last six months of the loan it was stolen and was declared a total loss by my insurance company. 

My insurance company paid the vehicle off as well as I had a gap insurance that did pay the balance. 

The lender is stating that I still owe {$4700.00} on the account and is choosing to keep the account open which is accruing more and more late fees and charges on a daily basis added to their false account. 

I have called them to resolve the account and all they state is that I still owe the money. 

I am being forced to be put in a position where I'm going to have to file bankruptcy because the collection calls and the letters for demands of payment. 
This is so ridiculous the amount of money that has been paid to them as well as for the additional insurances for the vehicle that I have paid out. 

I also am having problems with financing a new vehicle just because they are still showing the account with an open status with the balance. 

Lenders are not willing to help me with financing another vehicle due to their incapacities. 

I have disputed this twice with the 3 major credit bureau 's and they have left it to remain on my credit report still with the incorrect information. 

I need a vehicle to get to work it's very important and this is a real big headache for myself and is hurting my ability to get to work and make an income to support my family. 

I have saved money to put towards buying a vehicle however it's becoming harder and harder on a daily basis to even work with any lender. 
The denial letters that have been sent to me state specifically that because of the open auto loan with unpaid balance is reason for denial. 

These credit inquires will now Stay on my reports for 5 to 7 years with nothing to show as well as this auto loan will follow me forever if it doesn't get resolved in a professional manner. 

I'm a hard-working single mom and everything I have it's from my own blood sweat and tears. 

I have never ripped anybody off nor do I plan on it. 

I'm an honest person and I truly believe that at the very minimum this account should be showing XXXX balance so that I can move on with my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: FC HoldCo LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today XX/XX/XXXX my husband, I and my sister in law all received calls about a car repo from XX/XX/XXXX. For starters they shouldnt be calling my sister in law and giving them any information. They left a message on my husbands voicemail that if he doesnt respond today they will have him arrested. The business is called XXXX XXXX and their number is XXXX XXXX. They said we had to pay something to them today or they would take our tax refund, garnish wages or money from our bank. We have not even received a letter regarding this situation at all. They are also repeating calling all of our numbers.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with Bank of the west in XXXX oklahoma. Have for a long time. Been at this site for about 35 years. Never had any problems until XXXX XXXX got involved. They are based out of XXXX XXXX. Over the last couple of years they have moved things around on my account from day to day so as too be able to charge me fees. For example just 2 days ago I deposited XXXX dollars. Showed it was in my account. Then the very next day they did not credit my account with XXXX  dollars of it and switched some things around so as to charge me 4 fees. This stuff has been going on for at least a couple of years. They have ripped me off of probably XXXX  dollars or more. Not to mention all the interest played out on other loans trying to keep up when they constantly overdrive my account. Much less the XXXX XXXX  and XXXX If this is not fixed I will be filing a lawsuit against them. My state representative for the state and also my representative in the oklahoma house will be made aware of this. Will need to be investigated. Not really sure if this is just going on at our branch or if it more systemic across the board at all of the bank of the west locations!!!!!! Feed back required.

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 2019-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was never received any notification that would be charge a membership few and on top of not getting a notification, I was charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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, XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
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:
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX  , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX , XXXX XXXX and XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: EQUIFAX, 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:
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX   XXXX, XXXX  XXXX XXXX  , XXXX , XXXX, XXXX , XXXX XXXX,  XXXX  ,, XXXX XXXX , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX  , XXXX XXXX  and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion has reported a discharged Bankruptcy Chapter XXXX from 2012 that has an incorrect State and address. They have the wrong person. I have never in my life lived at XXXX XXXX XXXX, XXXX, KY, XXXX. Nor do I have any family or friends who live in Kentucky. This is 100 % not me. So this incorrect information needs to be deleted without fail. The reference number for this inaccurate report is XXXX. Date : 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 2020-02-21
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2019-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- I opened an account in or aroundXX/XX/2018 

- HSBC offered a welcome bonus to open an account at that time. 

- I met all the conditions of that offer and HSBC is refusing credit the bonus stating that I did not apply under that offer.

- HSBC made multiple errors during the account opening process ( and took more than 2 weeks to even open the account )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I mailed a Validation of Debt Letter to the collection agency, IC SYSTEMS COLLECTIONS. 
They are reporting to the credit bureaus that I have a debt for XXXX. 
I have NEVER received any information about this debt in the mail or via phone call, before it showed up on my credit report. 
It has been 30 days since IC SYSTEMS COLLECTIONS has received my letter, and HAS NOT RESPONDED.

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 2019-10-13
Company: LoanUnited.com, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan United solicited me by mail and phone calls about the VA Interest Rate Reduction Loan in XXXX after reviewing my loan somehow. I was told that my interest rate was too high 5.25 % and that I could skip 2 months payments and also receive a refund from my escrow account. 

I provided all necessary loan documents and waited and waited ... .meanwhile I was receiving phone calls from my current loan company XXXX XXXX XXXX XXXX and I informed them about my refi. 

Meanwhile I had to dip into the two months payments for my small business and car repairs. The last week of XX/XX/2019 I was contacted by phone that I was DENIED! Due to a SEASONING REQUIREMENT? I was mad as a hornet and immediately contacted XXXX XXXX XXXX XXXX to apply for the IRRL and told the loan officer my situation. 

We also tried a HELOC on my second home which has XXXX in equity but I was denied because of the missing payments. 

Now Im even further behind because of this mess and facing a Foreclosure Aauction on the XXXX of XXXX even though I have already submitted documentation to XXXX LOSS MITIGATION and the VA HOME GUARANTEE SPECIALIST in MINNESOTA! 

I have received letters and knocks on my door to include people talking to my neighbors about my pending foreclosure. If this home is foreclosed on because XXXX FAILED TO PROPERLY REVIEW my information I will sue them!

Company response to consumer: Closed with explanation