BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle through XXXXXXXX XXXX XXXX of XXXX ohio in XX/XX/XXXX. i purchased a XX/XX/XXXX XXXX XXXX priced marked at XXXX selling price. I got approved through credit acceptance for a XXXX loan. It is now 2 years later and they are stating i still owe over XXXX for a XXXX vehicle. They never provide me with billing statements even after i have requested them numerous times. They just send a printout of my payment history. it doesnt have any info on interest rates, late fees, or why they loan amount keeps going up even with payments being made. I just recently made a XXXX dollar payment and they are still saying my vehicle is up for repossession. i need answers as to what is going on. I can never get a straight answer from any rep I speak with. They all say look at your finance papereork. But if they are my finance company, shouldnt they be able to tell me that information? Please help 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 2020-06-27
Company: TekCollect Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up to take college classes at XXXX college in 2015. When summer/fall rolled around and it was nearing the first day I hadn't recieved a call back about my daycare spot. I called in on XX/XX/2015 to make sure everything was set in stone as school was suppose to start the following day XX/XX/2015. The school notified me that they did not hold the daycare spot for my children so I was forced to cancle the courses I signed up for. Several years later I noticed a collection on my credit report saying I owed them money! I tried contacting the collection agency and the school themselves and also disputed it several times. The collection agency sent me a letter from the school showing their cancelation policy which states if courses are dropped with in so many days of classes starting you will recieve a full refund. Well, I dropped my courses the day before school even started! On top of that their information is not accurate what's so ever. They claim i made some sort of payment to them which I never did that either. I actually ended up taking online classes through XXXX university and never took a single course through XXXX. This has been on my credit report and decreasing my score for quite some time now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: U.S. BANCORP
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:
The is my SECOND dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-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 explanation
Consumer complaint received 2019-03-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been disputing Interest fees from commenity bank for credit line from XXXX XXXX since XX/XX/2015. The furniture cost {$4000.00}. I have paid {$4000.00}. However, they continue to charge me interest and fees that have totaled {$4900.00}. 
The charge is inaccurate, false, incorrect and I refuse to pay this. They just keep charging me despite me disputing this charge. XXXX has even confirmed these charges are inaccurate. I need to crease these charges immediately as it is drastically impairing my credit. This cant be lawful or just. Please help me with this I dont know what else to do. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom It May Concern : I have tried calling into Navient multiple times and dealt with excessive hold times for over an hour. Every time a representative would pickup they would say, I wasnt in the correct department for student loans and wouldnt be able to assist with my concern. They would put in a long hold with no assistance what-so-ever. Finally, I got so sick and tired of waiting on hold, I had sent an email with written instructions on XX/XX/XXXX requesting to have the funds that were deposited on XX/XX/XXXX for {$6000.00} be refunded back to myself. On XX/XX/XXXX, I finally got through to Navient and I directly spoke to a representative in the private loan department. I explained my situation to her and was told that she would get this over to the payment department and they would then reissue a refund back to myself. I should be getting a refund check within ten days. I waited over that period and still  havent gotten my refund. This situation has become an ongoing problem with them. I keep on getting the runaround without any assistance. They responded back to my email on XX/XX/XXXX telling me that my concern was already addressed on the phone conversation on XX/XX/XXXX and nothing else was needed. Basically, all that Im requesting is that Navient due its due diligence and issue myself a refund check for the amount that I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Got contacted by email and text by Chase bank saying that my email and phone number was taking off the account on XXXX XXXX. When I called and was on hold for almost 2 hours, they said that they had closed the account and would not give me a reason why. The next day I went to the bank and they said there a is restriction on the account and that they can not give my {$6000.00} dollars that is in that account. They said i would have to call and wait on hold to til talk to someone that can lift the restriction, I thought that was what the bank manger was able to do. I called the number and was on hold for another hour and they said that they could not help. I asked to speak to a manger and they said that they could not give me my money until they completely close the account, then they will let me know when I can get my money. I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

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 2018-02-21
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You've paid off 0 % of your collection amount. 
Balance {$720.00} Highest Balance {$720.00} Opened XX/XX/2015 ( 2 yrs, 4 mos ) Account status Open I had lived in a building i believe at XXXX XXXX XXXX  when i moved out i had handed my XXXX modem cable box and everything to the XXXX guy that was allocated to the building. He had assured me that he would take care of the issue and let XXXX know that i do not owe anything and the equpitment is returned. Little do I know i have a {$720.00} dollar collection going on for equiptment that i returned to the building XXXX Representative. I want it to be disputed and removed off my credit report so this unjustified problem does not keep hurting my credit. 

Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN 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 explanation
Consumer complaint received 2021-07-20
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-05-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
They keep resetting the payoff and will not provide a payoff so that I can close. When I called to get a status on the payoff, they reset the clock and kicked it down the road 5 days. I have a buyer but I can not close without the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
my wife died in XX/XX/XXXX andXX/XX/XXXX I filed bankruptcy and left out my home mortgage and the home equity loan of {$48000.00} so I could kept my home I kept up the payments till one day the home equity bank took it off line that was the way I was making the payments. So I called them and they put lien on the home that I would pay it off when I sold the home and I said no more payments they said yes. A few years later I get a foreclosure letter. I have talk to the county and a legal assistant and the attorney general of Minnesota. All I want is for the bank to clear the payment history so can refine my home to to pay them off 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 2019-09-16
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Santander Consumer repossessed our vehicle voluntarily in 2005. Santander got the vehicle but still maintains we own money ( {$13000.00} ) on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: ID Analytics, 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:
checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated 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 explanation
Consumer complaint received 2019-03-24
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/19 I paid Western Union a fee of {$0.00} to transfer {$84.00} from my checking account to another persons checking account. Western Union withdrew the money from my checking account, but didnt transfer the money in the 6 business days that they promised to do it. Therefore, on XX/XX/19 in Spanish and then on XX/XX/19 in English I sent email messages and by phone requesting the cancelation of the transaction and the return of my money. 
Western Union replied stating To continue processing your request and since the receivers ID copy can not be provided, please supply the following information about your receiver : o Full legal name : o Gender : o Date of Birth : o Country and City of Birth : o Relationship between sender and receiver : o Purpose of the transaction : o Occupation : o Residential Address : o Explanation why ID copy can not be provided : o Name of the person submitting the letter : On XX/XX/19 in an email I stated to Wester Union that I already answered the receiver information in their sending money form. If more information was required why didnt they ask for it before withdrawing the money from my checking account? In addition, I dont see why I should answer more questions regarding the receiver since I was canceling the transaction. 
It seems to me that Western Union just wants to keep/steal my money. I wonder if there are more people in the immigrant community who, due to their English language limitation, are not able to fight their dubious business practices.which it appears that then Western Union profits illegally from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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: Account information incorrect

Complaint:
Experian did NOT properly verify the information they claim they verified from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are ONLY USING name & social to verify information.

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 2021-05-05
Company: Experian Information Solutions Inc.
State: NY
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SS # XXXX DOB : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXXt Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX EQUIFAX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Promised XXXX reward points and {$50.00} statement credit after getting card and spending {$2000.00} on first 3 months. After meeting those requirements in XX/XX/XXXX, I have yet to receive either one of the rewards. Also charged an airline ticket thru XXXX in XXXX which was cancelled due to the closing of the airports in XXXX and XXXX, and although XXXX in written statement telling me I would receive credit for the charges, I have yet to see any credit, even though I had asked and tried multiple times to get it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae calls us ( me and my cosigners/parents ) numerous times if we are late on a payment. With climbing outrageous interest, I owe Sallie Mae {$120000.00}. After graduating with a XXXX  's, I was unable to get a job with my degree so I had to settle for a {$9.00} hourly wage job as a XXXX XXXX. Knowing my payments were coming up, I called Sallie Mae in XXXX, 2019 and postponed my loans until XXXX, 2019. I eventually got a better job making {$13.00} hourly as a XXXX XXXX ( still not with degree ) and called them again in XXXX to try and negotiate my monthly bill as they were asking for {$1800.00} a month. I don't even make that amount monthly. They told me to wait until my bill was past due so that my account would be " active '' and then I could pay back my bills " based on income ''. I did as they said and called them a few days after my bill was late. I talked to collections at Sallie Mae and they told me that they didn't have an option to pay back my loans on an income-based plan ( even after they told me they did ). They said they could only have me  pay off interest which was still too much for me. It finally got to the point where they had to interview my cosigners and myself and ask us what our income was individually along with our monthly bills. We begged the collections lady to help us as my mom was in the hospital and out of work, and my dad was retiring in 2 days. My mom was relying on XXXX for income and my dad was about to take a drastic cut in his income from retirement. The collections lady told us she could only lower my payment to {$800.00} a month which is over half my monthly income. About 60 % of my monthly income. I can barely afford to survive, espcially with other student loans and bills I have to pay. They harrassed us and told us that we could file for bankruptcy. They didn't care that my mom nearly died, or that my dad ( who was diagnosed with possible XXXX XXXX a month prior which is why he was retiring ) had retired and didn't have enough income. We are still scrambling to make payments. My dad can't even pay his own bills right now. Now that I've been paying {$800.00} a month, it says I'm passed due and must pay {$2000.00} even though I have been prompt on my payments since they threatened to kick us out of the {$800.00} program.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX charged off a depth and resold it to " XXXX '' a depth collector after 6-7 years of being negative in the Three Major credit bureau. Then this depth was deleted and recently XXXX went ahead and reported it back as a new depth. I disputed it with Transunion because I didn't have knowledge of such depth. After the investigation, Transunion stated that they have verified it as accurate. How can TransUnion report a charged-off account as accurate?

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 2020-09-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation