BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
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:
I received to pay off quotes on the XXXX of XXXX which had to be paid off by the end of that day for its to still be valid, and which I did I was misled into overpaying by {$1000.00}. I then have the printout of the payoff quote which clearly says that the Gap refund and service contract refund was not included in my quote are neither of the quotes from XX/XX/XXXX. I then file the complaint with the consumer hero because they took over a month to give me my money back which was just a reversal on the extra payment I made. Then I got something in the mail saying that my title was released electronically and any Gap or service contract refund was not included and I should be expecting a check. Just about one week ago which is about XX/XX/XXXX I received another print out in the mail saying that my account has been credited with my Gap payment and my refund amount service refund which is impossible and not true because I've already was closed out from the first time you sent me a letter saying that my lease my lien was taken off already good because I paid it off. I called them yesterday XX/XX/XXXX and had them sit there and lie to me over and over again about within correct dates and incorrect mouth and we're not did not give me the time to even explain anything to Dad because they were so sure they're right when I have all the documentation and paperwork proving that they are in fact wrong and they are very ignorant and rude people they need to be shut down because of the way they treat others and somebody should sue them and take everything that they have because they don't even deserve bread to eat. They lie they charge interest and get mad when you make payments late which I've never made a late one but yet they can't pay you back on time and they're just liars and they're greedy and they're scandalous and are misleading and they don't do anything they say they're going to do by their own contract and I want my money back now it's kind of sad they thought they were going to get over on me because they made trick me into overpaying for no reason because our system doesn't work correctly well unfortunately it's not going to work because I'm not just going to let them rip me off like everyone else off

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 2018-01-25
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX Commonwealth Financial reported several accounts to all three credit bureaus totaling about {$2000.00}. I have never received a bill or any correspondence in relations to this debt prior to it being placed on my credit report. I called to see what this alleged debt was and was informed it was in relation to medical bills. The representative was very rude and ill mannered so the conversation did n't go very far. I called back again on XX/XX/XXXX only to be transferred back to the same rude representative. i then requested verification of the debt, asking specifically for a contract of some sort between myself and Commonwealth or Commonwealth and the said medical provider and also a breakdown of alleged charges. I received a bill in the mail on XX/XX/XXXX only portraying an account balance with no specifics. I called back on XX/XX/XXXX to advise them that this is not what was requested. Again the conversation did n't go too well. I requested verification documentation and waited for a couple weeks but did not receive anything. i called back again in XX/XX/XXXX and was told by the representative they 'd sent me a bill back in XXXX and if I required further information to contact the original service provider. On XX/XX/XXXX I drafted a letter detailing very specifically the verification documentation I had requested several times and still requesting. I mailed this letter certified on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to a supervisor, XXXX XXXX XXXX. he stated they 'd sent a bill and that 's all they could provide and to contact the service provider. As of this date, XX/XX/XXXX I have yet to receive any further written correspondence. Representatives from this company call at least 5 times monthly yet no one has provided anything I have requested thus far and these items remain on my credit. I have also disputed these items with XXXX, XXXX and XXXX, all still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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:
I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX US DEP ED, XXXX and some account that only have an account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
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:
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, 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 explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: DC
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 have repeatedly reported to all three credit bureaus that I have never lived XXXX XXXX and I have never opened a XXXX XXXX or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying 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 non-monetary relief
Consumer complaint received 2021-12-01
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FIN XXXX XX/XX/XXXX XXXX XXXX XX/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 2017-10-04
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2016 I purchased a property that we closed on in XXXX. I started the application process in XXXX with several different lenders while I was exploring options. It is my understanding that hard credit inquiries were to be grouped together if they were related to one event. So instead of my report reflecting one inquiry, it has seven separate inquiries which negatively affects my credit score. Would you please review the inquiries and group them so that they are correctly identified and related to this one financing event. 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 2018-01-25
Company: CORELOGIC 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:
I never applied for an auto loan in XX/XX/XXXX .... 
I have never even heard of XXXX Please look into this and remove. 

XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, CA 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 2018-01-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Experian stated in an INTERIM RESPONSE on XX/XX/XXXX in CFPB complaint number XXXX : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific ''. 
I did ask specifically to place a security freeze on all my credit reports and I attached XXXX Police Report XXXX. Experian is INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. Experian will be liable for all attorney fees when I file a lawsuit against them in addition to all financial damages and legal fees and fines. I am already in contact with lawyers and wait until you get what you deserve Experian! I may track all Experian employees who where handling my case and I may charge them with criminal charges. 

You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Experian will be liable too for those criminal charges if they do n't act accordingly and place a security freeze in the NEXT 48 hours of receiving this complaint. I DARE YOU! XX/XX/XXXXXXXX

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 2017-12-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit is ( was ) perfect until I co-signed a car this summer for my son. I am trying to file an explanation on the 3 credit reporting companies. The other two worked fine. EQUIFAX ( https : //www.ai.equifax.com/ ) provides a link to file your information on the credit report. The link, however, does not work for me. I have tried the link on two laptops and a tablet. It will not load. This tells me that Equifax does not care about individual credit accuracy where the other two do.

I have waited over 30 minutes and tried to load the page 3 times. I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed up for a in store promotional credit card at XXXX XX/XX/XXXX Te deal was for {$35.00} XXXX credit on 1st purchase. 

I went ahead purchased four tires for {$320.00} at that time. XX/XX/XXXX Failed to receive the {$35.00} credit on billing statement XX/XX/XXXX. 
I called Walmart, they assured me it would be on the next bill statement. 

Now it is XX/XX/XXXX still no credit on latest bill statement. 
Made another call today, the tell me now their was some coding issues that caused latest error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: NJ
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:
Equifax and XXXX XXXX are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Equifax has willfully refused to acknowledge my request. In the attached documentation you will see that a I request EQ XXXX XXXX  block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 ) days business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.

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 2017-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried selling a gold plated " XXXX XXXX '' record display on XXXX for {$180.00} and received an email stating that the person would send me a check for it and extra to cover the costs for the " moving people '' that we 're going to pick it up for him. He went from the name XXXX XXXX. XXXXXXXXXXXX is the email he used.The received the check on XXXX XXXX, XXXX and proceeded to deposit it on the same day. The check was sent through XXXX Next Day Air. The shippers XXXX account number is XXXX XXXX with " XXXX XXXX '' where it asks the name. The street address from where it came from is XXXX XXXX XXXX XXXX, IL with the zip code being XXXX. The check was {$1200.00}. The next day XXXX XXXX, I went to the bank with my mother to withdraw the {$1000.00} I was instructed to do and send that money to a certain location through XXXX XXXX. The XXXX location I went to was " XXXXXXXX XXXX  XXXXXXXX XXXX. '' XXXX gave me his phone number which is XXXX ( XXXX XXXX XXXX. He messaged me and emailed me a name and address of a person to make the money out to. The name I wrote the money order to was XXXX XXXX, the address being XXXX XXXX XXXX XXXX. XXXX XXXX, Illinois XXXX. I filled out the XXXX XXXX and received a receipt with the pin being XXXX. The reference number is XXXX. XXXX refused to respond the following days later. On XXXX XXXX, XXXX, we returned to XXXX XXXX XXXX to deposit a check and create a new checkings account. We were told that there is a - {$750.00} in my account. We were than told that this may have been due to a fraud check. We were told that we would have to pay that amount, and that we were under investigation. I spoke to someone on the phone stating what had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: National Credit Adjusters, LLC
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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: NC
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:
Equifax won't allow disputes and my report shows blank all the time when pulled. Please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2019-07-09
Company: CITIBANK, N.A.
State: MD
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 filled a dispute on fraudulent charges made on my card on XX/XX/19 for {$2000.00} and within a few days Citi gave me a temporary credit as they investigated the charges. I was relived that Citi resolved the issue so quickly and quickly forgot about the whole thing until one day a Citi rep called me and asked me to send in my I.D . via their secure messaging system. So I did that and then quickly forgot about the whole ordeal for a while. A few weeks later I get a letter in the mail saying that " we need to speak to you or your chargebacks may be reversed ''. I thought that this must be a mistake because I had already sent in my ID and I haven't gotten any calls from Citi asking for more information. A few more weeks past and I login to my Citi app one day to find the horror that I owe a huge balance because the chargebacks have been reversed. I try to call Citi twice about this but they keep on telling me that their fraud department is closed. Im sick of wasting time trying to get through only to have to argue with reps over these fraudulent charges on my account

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