BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Gor misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars. The car-buying experience turns into a nightmare for many of Credit Acceptances borrowers, who face unaffordable monthly payments, vehicle repossessions, and debt collection lawsuits. The joint complaint alleges that, among other things, Credit Acceptance hides costs in loan agreements and sets consumers up to fail. The complaint also alleges that Credit Acceptance violated New York usury limits and other consumer

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 2021-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CITIZENS BANK NA ( Account # XXXX ). I have always made my payments on time. For some reason, I realized that there were multiple late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late payment since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account ASAP.c

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
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:
I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are 2 marks on my credit from this collection agency. I paid the debts in full and was informed that the company would do their part in deleting these marks from my credit report. However, it has been over a month and my credit report is not showing an updated status to these debts as well, they have not been deleted from my report all together which, upon speaking with a representative to pay the debts, ensured me they would delete the reports.

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 2021-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been a victim of identity theft. Ive sent multiple 605b and FTC reports to XXXX  and Experian continues to ignore. Which is a violation of the FCRA. XXXX  has deleted all items because they are fraudulent!!

The following fraudulent accounts are 1.XXXX XXXX XXXX XXXXXXXX {$1300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract! This account is fraudulent! 
3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 
Please See Attached FTC Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The car was totaled in the year of 2015 it still being reported on the 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 2023-05-05
Company: Bread Financial 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: Account information incorrect

Complaint:
I co-signed a card for a friend who was getting {$3400.00} to have XXXX XXXX XXXX. it was a line of credit for medical expense. The person who was making the payment was locked out of her account online and she tried, has several emails back and forth trying to fix that problem. She started paying over the phone because they do not send statements and she has no emails from them. I do not get anything. I found out my credit score went down by more than XXXX points because they reported me for not paying. Although i was a co-signer, i was never given any notification whatsoever that this was going into collection. My credit report shows a collection. When i called the company i found out it is not in collections. HOwever, the statement on this account shows {$2500.00} due. When i called and on my credit report, it shows {$5600.00}. They hung up on me when i wanted a printout of how they added this much to the balance and is it legal for them to ruin my credit without giving me an opportunity to fix it or pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had XXXX unauthorized charges taken from my Chime account which is run by XXXX bank on XX/XX/2023 that total to {$720.00}. It clearly states in my account where they were taken at which is XXXX XXXX I called Chime right away to start a dispute. The transactions were still pending at the time and could have been cancelled but Chime did nothing to help me. They asked me a few questions for the dispute, and then I got an email a few days later saying that they would not reimburse me that I was liable for these charges that I did not authorize and I now have to try to get the money back from the store that the purchases were made, which is XXXX store # XXXX in XXXX New York. I called the store and they will not help me. They told me to file z police report, so I filed a police report to help with this process as well. Chime is a member FDIC and my money should be protected while it's in their possession. They are doing nothing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: Lyons, Doughty & Veldhuis, PC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lyons, Doughty and Veldhuis of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX have sent a copy of a garnishment of wages that indicates that it comes from the XXXX County court house. This document adds an additional {$570.00} to the balance due. In addition to that, the total due is incorrect. We have contacted them on several occasions and requested for them to provide a detail of account of what is due, including monies paid to them. This company is collecting on behalf of XXXX XXXX. This company has never supplied this to me. I spoke to a XXXX and both times she said she didn't realize we needed a detail list of what is due. She tried to use semantics indicating that the balance was correct, however, she was indicating the original balance which is not in dispute. On multiple occasions she wanted to send me to another department for de-escalation, I told her simply, all we are asking from you is a detailed of the amount you are claiming that I owed. I contacted XXXX XXXX and they no longer service the debt. I did inform her the amount is wrong and fraudulent. They claim to record all calls, please take note that if that is the case, they should have record of my calls and request. 
This collection agency is continually harassing my place of employment by sending letters, including during this pandemic, when I was having trouble contacting someone to speak to at my local XXXX County court house. My place of employment in good conscience can not deduct money from a sheet of paper that clearly is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 I was suspended from employment, I did request from XXXX XXXX a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to Equifax a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Bank of America Visa card holder for 16 years. I always pay on time and have excellent credit. I also have a large credit limit with them. I have put trips and weddings on this card. I paid this card off in XXXX but kept a small ongoing monthly charge to make sure I kept it open. In XXXX of XXXX, I uncovered a {$32.00} charge I did not make. I called the credit card company to tell them about this erroneous charge from XX/XX/XXXX. They closed my account, never sent me a new card, and will not reopen my card. I have spent 2 hours on the phone and then spent 2 hours at a financial center for B of A in XXXX trying to resolve this issue to no avail. My interest rate is low and I wonder if they deem me as an unattractive customer now that the card has been paid in full. I am also concerned about my XXXX  mileage reward point which appear to have been cancelled along with the card.

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 monetary relief
Consumer complaint received 2020-07-16
Company: BARCLAYS BANK DELAWARE
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased a round-trip airline ticket for {$840.00} from ticket agent XXXX, using my Barclaycard Mastercard credit card. The flights were scheduled by XXXX XXXX. 

In XX/XX/XXXX, I was notified by voicemail and email by XXXX XXXX that the flights were cancelled due to Covid-19. XXXX XXXX ' email stated that I qualified for a refund, but when I contacted them, they referred me to XXXX, which refused to issue a refund. 

I contacted Barclaycard by phone in XXXX, and they sent me a letter dated XX/XX/2020, stating that I had been issued a provisional credit for {$840.00} to my credit card account. On XX/XX/2020, they sent a letter stating that the credit was reversed and the charge was reinstated. They did not explain their reasoning in reversing the credit. 

I sent Barclaycard a letter on XX/XX/2020, disputing the charge because I had not received the goods and services from XXXX  that I had been charged for. Being charged for the ticket although it had been cancelled was a violation of the Fair Credit Billing Act. I noted that the Third Circuit Court of Appeals had ruled that consumers can challenge a credit card charge within 60 days of the reinstatement of the charge. 

On XX/XX/2020, Barclaycard sent me a letter stating that I was not entitled to have the airline ticket charge reversed. 

I believe Barclaycard is in violation of the Fair Credit Billing Act.

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 2020-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
my credit report shows a debt in collections from a XXXX. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. XXXX telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : XXXX XXXX XXXX - ACCOUNT NUMBER- XXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: DE
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:
Account involved in Identity thief. Account isn't mines

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 2019-11-15
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Speedy Cash removed money from my checking acct. I got loan for {$500.00} lost my job and was placed in a program related to XXXXI closed out my XXXX and that was all the money I had, while I'm out of work! 
I need the money that was taken out of checking account,

Company response to consumer: Closed with explanation