BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On Monday, XX/XX/XXXX American Credit Acceptance received 2 packages for the payoff of two cars a XXXX XXXX andXXXX XXXX. On XXXX/XXXX/XXXX I reviewed the account to see that the XXXX XXXX and had been processed as paid off and not the XXXX. 

On Thursday afternoon I called again to see the issue with the XXXX not being payoff and was told they could NOT FIND THE CHECK. American Credit Acceptance clearly does not follow proper lockbox procedures. I provided them the tracking number for the XXXX payoff check, the dollar amount {$27000.00} and the records that they signed for the check on XXXX/XXXX/XXXX at XXXX XXXX and they still tell me as of today they can not find the check. The account number XXXX was also placed on the check.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-03-10
Company: Insight One Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sortis Financial Inc. has placed a bad debt on my credit report and placed a lien on our property, asking for {$51000.00}, the original loan amount was {$23000.00}, the rest is interest. I am totally unaware of Sortis Financial Inc. and any debt supposedly owed to the company. I have contacted our attorney for our XXXX XXXXXXXX documents which show that back in XXXX XXXX XXXX XXXX was added to our XXXX XXXXXXXX for the amount of {$23000.00}. I had this debt from XXXX, this debt was discharged XX/XX/XXXX. 
I note here that Sortis Financial Inc. has never contacted me about any alleged debt, if they had I would have told them they purchased a Bad Account for Collection. I can not be held at fault for Sortis Financial being ripped off by the people they purchased the debt, company name unknown. At any rate, Sortis Financial Inc. actions are unwarranted and have caused us harm affecting our home mortgage refinancing application, this very well could cause us the loss loan. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Good morning, Im filling this complaint because I believe I was treated wrong by Chrysler capital. I bought a XXXX XXXX XXXX, my credit score wasnt good at the time so my interest rate was very high. The only income I had was my XXXX from social security {$1500.00} a month my financial wasnt good at all. Chrysler capital approved my loan, I got the car with a payment of {$670.00} a month, everything was ok until six months later my wife got diagnosed with XXXX her medication price was high so we have to give up the car so we can afford her medicine, Chrysler took the car back and sold it in an auction and hit me with a balance of {$11000.00} that I can afford. This balance is reporting on my credit as a charge off account. This brought my credit score so low that I cant even rent a appointment for me and my family. I Dispute this so many times with Chrysler and told them my problems, my wife condition but they ignore me and keep reporting this account on my credit and destroying me and my family even more. Please help me and my family to get the this fix with Chrysler capital so they can remove this account from my credit report. By doing this we will be able to but a cheap car so we can go to appointment back and forth and get our financial together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have received multiple unsolicited offers in the mail from American Express. I have called in excess of 10 times to get this issue resolved and to have my contact information removed from their system. Each time I have been told that it was taken care of, but I continue to receive between 5-10 mailer offers EVERY month.

I am registered as Do Not Contact/ 5 year opt out on ALL offers, but they still send me mailers. I am routinely hung up on by representatives from American Express and am fed up with being harrassed by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
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: Investigation took more than 30 days

Complaint:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute of unauthorized charges on XXXX XXXX for the total of {$3200.00} through XXXX. I did not authorize charges and signed an official statement to chase stating that I did n't do so, as well as notified the organization. Today, XXXX XXXX, Chase ruled against me in my claim in their official correspondence letter. I would like to escalate this matter as the transactions were unauthorized and Chase did not rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This stems from a medical bill for services never rendered. I have already beaten this repeatedly In the past years from other debt collectors. Consumer adjustment has flagged XXXX  three different times in the past two weeks with exactly the same fraudulent bill. They are bullying and harassing me for {$1900.00} and they have put it on my credit report three times for the exact same amount from the exact same bill.This is an absolute fraudulent bill thats why I have literally beaten it at least five different times from five different collection companies in the last four years. Consumer adjustment has flagged XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX.They have also flagged XXXX  with the same fraudulent collection on XX/XX/2020. They are repeatedly hitting up my credit report to try to bully me into paying them money that is not owed.I do not owe this money, I will not pay this money no matter how many times they try to destroy my credit. This is absolute harassment and bullying on a collection I absolutely do not owe. These are horrible tactics to try to ruin someones credit on money that was never owed.I am baffled how these horrible companies can put whatever they want on your credit report with absolutely no proof that you owe any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: National Credit Adjusters, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband had an account that was sent to two different collection agencies. The debt was paid in full to one of the collectors and we received a Release of Liability for the debt. The second collection agency was Nation Credit Adjusters. This agency has continued to harass us. We have sent them all of the information for the debt showing it was paid. We even wrote to the credit agencies and had their negative item removed with our proof of payment. NCA continues to hire process servers who contact us and advise us ( once we have sent the proof of payment ) that we will not be contacted .... 2 months later we are contacted again. 
This week, we received a letter from XXXX XXXX XXXX , XXXX. This letter advised of notice of Bank levy .... How can we make this stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/2022 I applied for Credit card offer with capital one bank and the term and condition agreement was no annual fee. 
After the account establish and activated the card when i login it was {$39.00} annual fee. 
At that time when i contact capital one bank i was told that the term & condition can change after the card activated. 
I completely disagree to that type of change and to wave the fee to close the account i did. 
i ask to hard inquire be removed from my credit profile, the respond was nothing they can do. 
please i need your help to remove the enquire form my file thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
The pentagon Credit card seems committed fraud against credit card holder, usually it takes three business days for pending transaction to post and when it post will be added to my balance but now since XXXX2017 Pentagon Creditcard about {$600.00}, transactions that posted it doublicated and stayed pending and the charges added again to my balance, I called pentagon creditcard I told the rep if you check my current and recent charges ( they are categorized differently and shouldnt doublicate and if the charge post it should automatically changes from pending status and only once can be added to balance and if these transactions happens to be at month end shouldnt THE INTEREST SHOULDNT BE CHARGED TWICE and closed because Im being charged interest twice and it is fraud, eventually the pending charge will dropped but the interest charges already calculated twice at closing monthly statement, THIS IS FRAUD, Im attaching two exhibits Recent and Current transaction during monthly closing statement with twice interest charges.
Please review the exhibits the extra interest calculated in closed monthly statement.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.

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 2022-03-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. Experian and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX falsely stated that I had insufficient length of credit history. Experian falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX. I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined XXXX and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX XXXX and Experian and requested they cancel my order and decided to file a complaint with CFPB.
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.

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 2021-05-10
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, AmSher Collection Services reported a collection account in the amount of {$320.00} to all National Consumer Credit Reporting Agencies/Companies. They failed to provide me with written notification about the debt prior to reporting it to the National Consumer Credit Reporting Agencies/Companies in order for me to confirm or dispute the validity of the debt. On XX/XX/2021, I made a final attempt to resolve this matter with AmSher Collection Services via a telephonic communication. However, their staff are not helpful at all. They demanded payment or else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. During spring of 2022, reviewed my credit reports and saw that I had a credit collection submitted by an unfamiliar company for an unknown debt. Contacted each credit bureau and had the collection removed. 
2. Unable to contact the company that claimed the debt, i.e., XXXX. The customer support website was useless. 
3. Received notice from IC Systems, the collection agency, demanding payment. 
4. Sent letter to IC Systems in XXXX saying I did not owe the debt and would not pay. 
5. Received notice from IC Systems in XXXX of this year increasing the amount due and demanding payment. 
6. Payment coupon included with this " request for payment '' showed that the person who owes the money lives in a different state, a state in which I have never lived. 
7. The amount originally claimed {$330.00}. The above-mentioned payment coupon shows an amount due of {$480.00}. 
8. I'm also expected to return some equipment ; I have no idea what that would be.

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 2021-04-19
Company: Experian Information Solutions Inc.
State: LA
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 sent documents to verify my accounts and itt been over two months and my credit file hasnt been updated

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