BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was affected by fraudulent and deceptive practices.

1. I was charged for a maintenance warranty service, which was added to the sales price. This illegally over capped my interest rate..

2. The car dealer documented the wrong mileage on the service contract, causing the service plan to be void. No licensed mechanic would service the vehicle. Making repairs impossible.

3. I was charged excessive add-on fees.

Due to Credit Acceptance plethora of lawsuits for fraud and deceptive practice against their consumers. I am giving Credit Acceptance a chance to correct this critical situation.

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 2023-04-09
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: Personal information incorrect

Complaint:
I sent a letter along with a copy of my official CA ID on XX/XX/2023 ( certified ) to the following credit bureaus requesting for them to update my report with the correct name/address provided and to remove all others for fraud purposes : XXXX : XXXX XXXX : XXXX TransUnion : XXXX It is a month later, and all bureaus have failed to adhere to the FCRA in regards to my rights as a 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 2022-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX Account number : XXXX Has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 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 explanation
Consumer complaint received 2020-09-12
Company: JPMORGAN CHASE & CO.
State: NC
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:
I filed a dispute about a charge on my credit card. Company Was XXXX XXXX for {$71.00} and they did a rebill for this. I sent documents to Chase in regards to a conversation I had with XXXX about this charge. They still have not credited my account back. I have also sent them messages in regards to this as well and have not heard from anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i asked to refund interest fees as i made ontime and proper payments. Please remove fee of {$4.00}. See attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019, I called the Barkclay Bank MasterCard to cancel the card prior to having to pay another annual fee. The agent convinced me to not cancel the card but to convert it to a no-fee card. The agent proceeded to tell me that I had unredeemed miles on the account and asked if I wanted to redeem them. I said yes and that I wanted to redeem them for a statement credit. The agent repeated what I said and then said he would redeem the approximately XXXX miles for an approximately {$180.00} credit. I said, yes. Meanwhile, my husband who was in the room with me said to me that wasnt right. He then took the phone and explained to the agent that we wanted a statement credit for travel expenses which is redeemed at a rate of {$1.00} for each XXXX miles versus the general statement credit which costs XXXX miles for each {$1.00} of credit. The agent said sorry but he had already pushed the button processing the credit. We then asked to talk to the supervisor who also said sorry, she couldnt change it. This was all in the same phone conversation! 

This arbitrary action cost me approximately {$180.00}.

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 monetary relief
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-09-14
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Honda Finance is reporting incorrect information on all three of my credit reports. The account is paid in full! and was closed over 10 years ago and they are reporting false information at this time. I want this false information removed immediately. 

Their contact information is XXXX XXXX  XXXX ga XXXX XXXX account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute 6 accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX Phone ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX, has violated my rights.15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022 unsure of the amounts just received emails about opening a checking account. The account was created online with my information. I have no criminal knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: Infinity Holding Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Today on XX/XX/19 I was contacted by a loan company I never applied for. They knew all of my information prior so I assumed they were a legit lender that was in business with a company I had shared my information with. They deposited money in my account and I withdrew it and paid for gift cards that I had sent to him via phone pictures. It didnt hit me until he said Id not get my loan if I didnt do it again. I hung up and immediately called my bank. Its my fault legally and now being a XXXX year old thats only trying to build my credit the right way, Im going to lose XXXX dollars of my money this paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Dear Sirs : I have received a copy of my Consumer Report. There has been erroneous information being reported to Early Warning by Chase Bank. 
Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX of XXXX : XX/XX/XXXX Bank XXXX # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$460.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX XXXX ID # : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account XXXX : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$470.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse These dates of incident aren't true. Please remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion is allowing XXXX XXXX  to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only XXXX XXXX but Transunion and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT

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 2020-09-12
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2017-12-15
Company: Movement Mortgage LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX our family got stationed at XXXX, we moved into a apartment in search of a home prior to our household goods being delivered. We found a home and on XXXX XXXX asked our lender ( XXXX XXXX ) what documentation was needed for a pre-approval, We provided the documents and had completed everything with the realtor paperwork ( contract ended on XXXX XXXX XXXX ), inspections, {$2000.00} in XXXX and were ready to order the appraisal. On XXXX XXXX we gave the lender the green light to order the appraisal. On XXXX XXXX or XXXX the lender said the appraisal was ordered. We received several emails and phone calls from our realtor regarding the status of the appraisal and on XXXX XXXX reached out to our lender and asked about the appraisal because we havent heard anything yet. The sellers, the sellers realtor and our realtor requested some sort of documentation/proof that the appraisal had been ordered and XXXX XXXX refused to show anything reflecting the appraisal had been ordered stating it was " against their company 's policy ''. On XXXX XXXX our deadline/end of contract we still had no information on the appraisal. Our lender claimed it had been ordered and again refused to show anything proving the appraisal was ordered. We really wanted this home so our realtor reached out to the sellers requesting an extension on our lender XXXX XXXX word that he would close on the XXXX of XXXX. On XXXX XXXX My account was charged XXXX $ for an appraisal fee by movement mortgage. The home was placed back on the market and we received a cancellation from the seller on XXXX XXXX due to the inability of our lender XXXX XXXX to be honest and his failure to fulfill the duties the job required him to do. XXXX XXXX we asked lender why my card wasnt charged for when the first appraisal was supposedly ordered. XXXX XXXX response was When the seller is covering costs we initially charge all orders to our account & then it 's applied at closing on settlement statement as a " cost '' & then paid by seller. When this one was re-assigned to the new appraiser there was obviously a chance of it going south due to seller backing out so it was then charged to you at that time in case it did n't close so it would n't be our expense. On XXXX XXXX I called the VA and asked them if they have any information of the 1st appraisal being ordered, the only information the VA had was when the house was purchased previously in XXXX and then XXXX XXXX XXXX when my account was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Back in XXXX, I had a negative statement balance due to me overpaying. I requested to get a check mailed to me so I can get the negative balance refunded but I never received this. The amount I am talking about is {$130.00}. I contacted a rep since I haven't received it yet, and we got to the point where they would directly deposit the balance into my account. This deposit happened XX/XX/XXXX. Later on, I saw I had a balance of {$130.00} on my AMEX card. Apparently AMEX thought I got the negative balance refunded twice ( once by mail-in check and once by direct deposit ) when I only got XXXX deposit in my bank account - the mail-in check never arrived and I have not deposited this amount by check at all. They claimed the {$130.00} account balance that got put on my account was from two refunds so this is incorrect. I had to pay {$130.00} on the account otherwise my credit would be affected. I am still negative balance of {$130.00} since my account has the direct deposit of {$130.00}, but then a debit of {$130.00}. I have talked to numerous individuals at AMEX but no one seems to understand that I still have not received my overpayment back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-09-12
Company: CCS Financial Services, 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: Reporting company used your report improperly

Complaint:
I received a letter from this company on XX/XX/XXXX in response to a validation of debt ( dispute of the debt ). Attached was an enclosed copy of a Health Insurance Claim form XXXX which indicates the Name of the Referring Physician ( line 17 ) and Diagnosis code ( line 21 ). This letter is in attempt to collect on a past due medical debt. This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Credit Collection Services and have no contractual obligation to them. Any billing details including diagnosis has been shared in violation of my rights. 

On XX/XX/XXXX I made a phone call to the company, the call was recorded and requested an email address to send a letter in writing. I was denied an email address to send communication. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. The representative claims that the company is not at fault.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: GA
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:
In 2018, disputes letters were sent to XXXX, XXXX, and Equifax requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. XXXX failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate Equifax Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated

Company response to consumer: Closed with explanation