BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
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:
To whom it may concern, the purpose of my letter is to discuss the predatory lending practices of Credit Acceptance Corporation. I purchased a XXXX XXXXXXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX Indiana. The loan documents were in a touch screen table. The employee going through the documents rushed through them and failed to discuss the {$1200.00} extended warranty that was added to the loan contract. About a week of having the vehicle I noticed it had been added. I called the dealership about this and was told the reason was because I did not put enough money down. Neither the sales representative nor the financing agent discussed this with me at the time I made the loan. 

In XXXX, I called asking to remove the extended warranty because I figured I had paid enough to no longer require it and was told by customer service that I wouldnt get a refund because the time was about to end for the 2 year warranty. I explained that I never wanted it and the reason why it to have my loan. The representative I spoke with said all I had to do was to call them and they would have removed it. So I was lied to and charged {$1200.00} at 22 % interest for a product that I did not request and was dishonestly added. 

Also, in XXXX the vehicle was repossessed, however there was no written communication from Credit Acceptance Corporation regarding the past due amount and what was required to bring my account current and their intent to repossess the car. The tow truck came and picked it up and was quickly moved to the XXXX auction lot. I redeemed the vehicle picking it up I discovered while it was in their possession the vehicle had been riffled through, the front passenger tire was flat and the spare tire kit was stolen. I started a new payment plan and although I was paying according to their terms they continued to report my account late to the credit bureaus. I recently filed a dispute with XXXX and they did not investigate the company fraudulent reporting, They accepted the creditors report but did not dig into their actual company policies. I have a 22 % interest rate I can not refinance because they refuse to correct the reporting

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX) WITH A BALANCE OF $XXXX, A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la), AND A HOST OF CREDIT INQUIRIES IN THE INQUIRIES SECTION OF THE CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THESE FRAUDULENT ITEMS BUT WAS TOLD I NEEDED A POLICE REPORT TO EVEN GET INFORMATION ABOUT THE ACCOUNTS FROM THE CREDITORS.  I HAVE GOTTEN A POLICE REPORT AND I AM FILING THIS AFFIDAVIT TO HELP CLEAR THESE ITEMS FROM MY REPORT. i HAVE NOT PURSUED CREDIT WITH ANY OF THE COMPANIES LISTED ABOVE NOR HAVE I GIVEN ANYONE PERMISSION TO USE MY INFORMATION IN THE PURSUIT OF 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 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 2018-07-07
Company: On Q Financial
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally applied for a mtg modification in XX/XX/XXXX due to a financial hardship that occurred on XX/XX/XXXX. I was injured at work and was dismissed from work and placed on workers compensation. While on workers comp my total monthly income was {$2300.00} per month. I even had to file a chapter XXXX bankruptcy which was discharged XX/XX/XXXX. This application was denied with reason being " loan not seasoned enough ''. I was told submit an appeal on XX/XX/XXXX when my loan would be 12 months old. This appeal was denied because my income was only $ XXXX/m and because workers comp income is not considered permanent income. I then submitted my employment verification letter proving that I was going to begin working on XX/XX/XXXX which would then produce a permanent increase in income as the job I started was was permanent. This was denied by my lender because " my income to debt ratio did would not meet poverty limit guidelines. '' My income was {$3700.00} per month once I began working. This alerted me that the lender did not take into account that most of my debt was discharged in the  bankruptcy therefore, my monthly expenses had decreased.I then followed up with an email providing the loss mitigation department a copy of my chapter XXXX discharge with list of creditors whose debt was discharged which proved my decrease in monthly expenses. I also sent an updated income and expense form as well as current paystubs as I had began working. They denied again because " debt to income ratio did not meet the guidelines ''. At that time my monthly income had increased because I had started to receive court ordered child support. I spoke to loss mit dept who then advised me to submit a new application. I submitted a new modification application packet with updated income showing the increase in my income. Did not hear back from the lender. I called the loss mit department to check the status of my application. It was then brought to my attention that my home was in foreclosure. Come to find out they overlooked my application. Once they realized this they paused the foreclosure and reviewed my app. I was denied because " my income was too high and which disqualified me from qualifying for assistance. I feel that the lender is coming up with reasons to deny me.

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 2022-09-03
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: Information belongs to someone else

Complaint:
I am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a call from Capital Accounts LLC threatening to report a {$300.00} debt to the credit bureaus within 3 business days if I did not pay the balance. I had not received any written notice of this debt. When speaking to the rep I replied that I do not owe the debt and there is a 30 day due diligence process before submitting a debt to the credit bureaus. I asked that they please send any communication regarding this debt in writing via mail in which I never received anything via mail. On XX/XX/XXXX received notification that my credit score had dropped by 56 to 72 points. This debt was reported on all 3 credit bureaus. Each month Capital Accounts LLC illegally reports this collection account to the credit bureaus increasing the balance by {$3.00} to {$5.00} dollars a month which decreases my credit score every month. The collection was {$310.00} in XX/XX/XXXX and it was increased on XX/XX/XXXX to {$310.00}. Collection accounts are not supposed to increase or report every month and I do not owe this debt. This company is illegally reporting this debt and they are not registered with the Secretary of State of California to collect in California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax collected my personal information without my consent and then did not keep it secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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:
I was cornered into signing up for a XXXX XXXX credit card to receive a {$100.00} discount on merchandise. They wanted to give me a $ 20k credit limit on the spot. My credit score was XXXX at the time. It is now XXXX. I contacted credit representatives at XXXX XXXX and requested a REDUCTION to $ 2k. The consequent of my request was to lose XXXX basis points from my credit score. I contacted XXXX XXXX again and was told SORRY NOTHING WE CAN DO I IS EXPERIAN NOT US. I tried to call Experian but the number is electronic and there IS NOT PHYSICAL ADDRESS. For the record, I have destroyed the XXXX XXXX credit card and do not intend to use it. No, I did not receive the {$100.00} promotion. I will never do business with these people again. 

- I need a physical address for Experian. 
There is no excuse to lower my score for NOT USING a line of credit. I need to have a written discussion with management. 

VTY, 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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-03
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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: IL
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:
This is a account from XX/XX/XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy and illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. Submitted dispute to diversified consultants, accepted & signed for XX/XX/2018. No response to validating my debt, or removing my disputed account. They are past the 30 days to validate a debt. I am requesting this account alleging i owe XXXX be deleted at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: MO
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 ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
I disputed XXXX XXXX XXXX on my Experian report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet Experian and XXXX verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!

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 2022-12-13
Company: OLD NATIONAL BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A Wire Transfer was made from old national bank Old National Bank, XXXX, IN XXXX XXXX XXXX a US Citizen from XXXX XXXX XXXX, XXXX, Indiana, XXXX. 
Payment for USD XXXX was made on on XXXX XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase mobile accessories. 
There was no communication while XXXX XXXX XXXX holidays with the company so wire XXXX was done. but later she got goods by XXXX. Proof of delivery also have But XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inactivated the account cause of XXXX 
XXXX XXXX and her XXXX went to Old national bank XXXX XXXX  and the wire department also many times but bank not cancel or terminated the XXXX XXXX. 
To the bank never listen and not provide any termination. not done anything, cause of this XXXX XXXX XXXX Bank Account has been inactive and on the edge of disclosure. both the banks not doing any communication and just trouble the XXXX. 
Please see into this matter, just need wire cancellation and also XXXX from old national bank towards the XXXX XXXX XXXX. 
XXXX XXXX has submitted documents for her fault and admitted it. 

waiting youre reply

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXXBalance : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}

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 2018-11-27
Company: Pacific Union Financial, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I went the currencys exchange in XXXX. Il XXXX & XXXX and made a payment of {$1700.00} as requested by my mortgage company. 
Later my mortgage company said they did not receive the payment, I gave forwarded my receipts to to them and they still are not giving me credit but rather proceeding with foreclosure against me.

Company response to consumer: Closed with explanation