BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Opened a used car loan. Moved to XXXX az in XXXX. Made every payment ontime until XX/XX/XXXX. Car broke. And I could not fix. Am a single mother with XXXX children at the time. Had to voluntarily return car. I knew this would affect my credit report. However. For 6 years it showed XXXX balance paid in full and account was showing closed showing as a charge off. I was very confused by this. Then in XX/XX/XXXX the company began reporting derogatory showing a sudden balance account open account in repossession and a negative payment history. Disputed several times with credit agencies Never was i communicated with by this company. Never was an effort made to settle debt. Never was any information given about the car being sold and the remainder i would owe. Just suddenly derogatry reporting. And every month it would changes different aspects of the item. All this drastically affected my score. Where as had they reported honestly and appropriately from the begining my score would have been affected in a less devastating manner. Then the continuous negative and inaccurate changes every month continued to harm my score. How can a report go from closed to open to chargeoff to in repossession and around again changing. Affecting my score. Now says settled. All this not ever once contacting me. How was this settled and why was this changed over and over again? 
Is this fraudulent can a company be allowed to 1 not communicate an attempt to collect a debt 2 continuous changing of balance and status and history?

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX RAN ME TWICE IN ERROR. SOFT ONLY

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 2017-11-11
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XX/XX/XXXX I did not authorize this inquiry tried calling equifax to get this taken care of 3 times they said there is nothing they can do. 

XXXX XXXX XXXX and XXXX XX/XX/XXXX I did not authorize these inquiry tried calling and writing equifax they too again says it has to stay on my report after i stated I Maybe a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX & XXXX : XXXX XXXX XXXX COLLECTIONS : XXXX # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Specialty Clothing Store   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I briefly had internet service with XXXX  ( XXXX XXXX ) I paid my bill in full and on time. However, during the last week of XX/XX/XXXX there were intermittent outages that eventually ended in my not having service AT ALL on XXXX and XXXX. That was the LAST STRAW for me and as soon as I had service restored I attempted to call them ( my phone is a VOIP phone dependent on internet service thru XXXX XXXX. ) I was able to cancel my service on XXXX ( when my internet service started working again. ) I immediately hired a rival company to provide my internet service. When I called on XXXX, the customer service representative apologized profusely and stated " that internet service had been out for my area and had been restored. '' He also offered to give me credit for the two days I hadn't had service. When I still insisted on cancelling my service ( I had already made arrangements with the other company to come the next day ) he then offered me an ENTIRE MONTH for FREE. I said no. He then got a bit surly and said that since I had already begun the new month I would be charged for the ENTIRE MONTH even though I had only had service for an hour when I called on XX/XX/XXXX and had not had service AT ALL on XX/XX/XXXX and XX/XX/XXXX!! 

I then received a notice from a debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. I then received a call from XXXX XXXX XXXX on XXXX and I explained what happened with XXXX and never heard from them again. 

In late XX/XX/XXXX I received a letter from a debt collector ( Credit Management L.P. XXXX ) I told a woman the same thing I had previously told XXXX and XXXX XXXX XXXX. However, today, XXXX I received notice from a credit monitoring service that Credit Management L.P. had entered a bad debt for {$49.00} with XXXX and my XXXX score had dropped by more than 100 points! 

To sum up, I DO NOT owe XXXX XXXX ANYTHING. I canceled their service when they had technical problems that resulted in my being without internet for ~ two days. And to add insult to injury, they wanted me to pay for an extra month of service when they FAILED to even provide adequate service for the short time I was with them!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND EXPERIAN ERRORS.

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Transunion by phone and sent numerous disputes regarding this inquires. XXXX refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX 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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO XXXX TRANSUNION AND XXXX  ERRORS.

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 2017-11-11
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND EXPERIAN IN ERROR, AUTHORIZED SOFT ONLY.

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 2019-05-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SYNCB/CARE CREDIT Date Opened XX/XX/XXXX Updated XX/XX/XXXX Account # XXXX The account was sent to a collection agency and the collection agency was paid in full. My credit report does not reflect that the account was Paid.

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 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and Second, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-10-24
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX I went to XXXX XXXX XXXX office they confirmed they accepted my insurance. And then in XX/XX/XXXX I seen the debt on my credit report. The company never sent me a letter in regards to owing a bill. And so I reached out to XXXX XXXX XXXX office and spoke with XXXX in billing she confirmed that she made a mistake when submitting the claim, we both spoke with XXXX and confirmed that I was covered at the time of service. XXXX said she will fix problem and have it deleted from my report. 2 weeks later XXXX XXXX office is out of business and debt is still on my report. I have disputed several times with XXXX band XXXX  and they will not deleted it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: VA
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:
There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, Experian and XXXX to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.

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 2020-02-18
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My leased XXXX BMW was totaled on XX/XX/XXXX in XXXX county, New York. 
I've been an excellent customer of BMW for over 5 years, all lease payments and insurance payments were current.

I have New York Total Loss provision in my lease contract where it states " I'm not liable for an additional early termination charge '' etc.

My insurance company gave them a check cash value, taxes fees etc. and an outside valuation report.

BMW has sent me to collections, claiming I owe {$4000.00} and am responsible for terminating my lease early and penalized as such for fees and taxes. 
The car was classified as " new '' on my lease agreement although it had XXXX miles on it when purchased.

BMW is charging me {$1200.00} for overmileage at time of crash, and refuses to recognize the previous mileage upon inception.

My insurance claims adjuster has tried to contact BMW over 15 times and put on hold for over 15 minutes and will not spend any more time on this matter.

BMW will not send me any documentation supporting their claim that the car cash value is @ $ XXXX. 
No outside agency values the car at that price. 
I've sent a certified letter to them in reference to this matter, as well as XXXX internal messages on their secured server.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, XXXX and Transunion to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.

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 2020-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/XXXX. XXXX XXXX {$120.00} purchased XX/XX/XXXX. Fraud Claim Investigation Results does NOT GIVE A CLAIM DATE. It gives a TRANSACTION DATE and says THE CREDIT WE DEPOSITED AT BEGINNING OF INVESTIGATION HAVE BEEN REVERSED. THIS RETURNED ITEM WAS NOT REPORTED AS FRAUD. ** Kindly Note USAA fraud policy places ( adjustment purchases temp credits provisinal credits awaiting merchant credits within 5 days of fraud reported. THERE ARE NO USAA CREDITS TO REVERSE. This item was returned to the store and WAS NOT REPORTED AS FRAUD BY ME. XX/XX/XXXX Credits provided by XXXX XXXX were reversed and NO USAA CREDITS WERE DEPOSITED AS FRAUD WAS NOT REPORTED. Let this letter prove NO TEMP PROVISINAL ADJUSTMENT PURCHASES WERE GIVEN XX/XX/XXXX. ( see statement XX/XX/XXXX ) TO BEGIN FRAUD INVESTIGATION FOR THE {$120.00}. USAA RETAILATED AGAINST ME FOR REPORTING ID THEFT claiming I reported what I returned to the store as fraud. UNTRUE. This is slander/defamation and if XXXX  does not fix what USAA reported XXXX  becomes an accessory to slandering my good name. I DID NOT REPORT FRAUD ON RETURNED ITEMS. THAT IS A LIE FROM USAA ( XXXX XXXX. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX XXXX, XXXX I contacted by telephone Experian and was told that I could dispute inquiries that were not made by me, on my credit report. After being transferred I was told only one inquiry could be removed because it was a duplicate. I explained I had already contacted 2 of the inquiries and was told they had no record of my credit being pulled by them. Experian informed me that I would need a letter from each creditor and a letter from me before they could authorize any removals. Prior to that call, XXXX XXXX removed 9 unauthorized inquiries and that was because with them, like XXXX, my personal data had been compromised. I also explained that I did not think any creditor that did not have my authorization to pull my credit would admit to doing it by writing a letter! Currently the only inquiries that should appear on my credit is from XXXX and XXXX XXXX since I bank with them. 
Also, my debt usage is being incorrectly reported and I am unable to dispute online, they are informing me I must send them documentation in the mail before I can dispute anything! My debt ratio should be less than XXXX XXXX and they are reporting it as XXXX XXXX! My score is very low because of their mistake and I feel victimized by Experian. I am trying to apply for a mortgage and this incorrect information is going to prevent me from qualifying. Please help I am XXXX on limited income and can not meet their requirements for mailing and copying information. 

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 2020-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello to whom it may concern my name is XXXX XXXX and I was giving fraudulent checks to mobile deposit in my account in exchange to help pay for stock and for me to keep the remaining money left over from the stock payment. I was dating name XXXX XXXX Gave me fraudulent checks to mobile deposit and when the checks were deposited Mobile. the check cleared and it became available instantly. The signature on the check is not mine .I did not know that the bank would clear a check that I did not a have the money to cover and did not wait 24 hours to deposit. I called the bank Monday, XX/XX/XXXX around XXXX XXXX to ask if the check cleared and if the money was really there and I was assured that everything was OK. XXXX XXXX had access to my phone and sent the money that was deposited via mobile checking app, to what I thought was stock market but sent it out to people on XXXX XXXX in XXXX XXXX and XXXX. The bank did not catch the fraudulent charges until all four of the checks cleared totaling 8000+ dollars. I have not spent the remaining amount of money of 2000 almost {$3000.00} so is there anything anybody can do to help me I dont have the money to pay back {$6000.00}. Im a single mother and I work for myself I have never made such a large deposit is there anything anybody can do to help me catch the people involved in this.Now the bank is also saying Im involved in first party Fraud and I cant get a hold of anybody to explain to me what that exactly means and what are my options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation