BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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 XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX. At the time being a single mother with XXXX young sons, one of whom was very sick I needed reliable transportation to get my son back and forth to medical appointments and I couldn't get a car loan anywhere else. The car I was driving had a rusted out frame. XXXX XXXX guaranteed car loans through Credit Acceptance so I took the loan because I had no choice. I financed approximately XXXX with Credit Acceptance Corp. Over the course of the loan I paid over XXXX. By XXXX of XXXX the car was rusting out and I traded it in. However the balance of the loan had to be rolled over into my new loan with a different company. 
What credit acceptance showed on their website as owed from month to month vs what showed as owed on my XXXX credit report never matched. The credit report always reflected less than what credit acceptance 's customer portal showed I owed. 
In addition during XXXX auto lenders were not supposed to report late payments as long as you contacted your lender and made payment arrangements. I contacted Credit Acceptance when I fell behind by two payments and made payment arrangements. They continually reported my loan as late. However, I stayed with my payment arrangement and brought my loan current. When I contacted Credit Acceptance regarding this they ignored me and failed to make corrections.

Having a loan with Credit Acceptance not only harmed my credit because of their unfair practices and failure to make corrections when the reported inaccurate information, but I believe it also cost me thousands of dollars in additional fees that were not disclosed in my original loan documents. I would like the corrections made to my credit report now and to be refunded the amounts that I was overcharged.

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 2023-01-18
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:
I am a victim of identity theft and there is a XXXX account on my credit that I had called XXXX and closed due to it being fraudulently opened. XXXX agreed to close the account due to the identity theft. I requested for XXXX and Equifax to remove the account from my credit report however, it is still somehow there. I need this fraudulent account removed from my credit report as soon as possible considering the fact that I closed this account due to identity theft. Please remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: AMERICAN EXPRESS COMPANY
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:
american express sent me a pre approved offer in the mail only to deny me credit when i applied like really why send me an invite to apply for credit only to deny me credit??? to raid my ss account with an inquiry..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
They claimed that I ordered " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' and charge me {$27.00} I never ordered anything. Their website is exceptionally deceptive. 

Had to give credit card number in order to get 'free '' credit score. They never disclosed any charges, certainly not {$27.00}

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 2018-02-05
Company: EQUIFAX, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
I am a customer with Navy Federal Credit Union and recently discovered a fee charged to my account associated with a credit card that is not active. To my knowledge, the credit card linked to this account has not been used for a considerable period and should not have incurred any additional fees. 
Despite the card 's inactivity, a fee was levied on the account on XX/XX/2023. I was not made aware of any policy that would entail such a charge on an inactive account, and I believe this action is unjustified. 
Upon noticing the charge, I immediately contacted Navy Federal Credit Union to clarify the situation and seek a resolution. Despite my efforts, the issue has not yet been resolved satisfactorily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Self Financial Inc.
State: FL
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:
In accordance with the fair credit Reporting act Self Visa Credit Card Ending in : XXXX, has violated my rights. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i was in forbearance for about a year, now fifth third is reporting my loan as late instead of being in Forbearance i need this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 USAA called XXXX XXXX and told him there was fraud on his checking account in the amount of {$3000.00}. They indicated they were sending it to the fraud department. Someone had got into his account and found my checking account information in his account that had been in there from years ago and pulled the XXXX out of my XXXX account ( XXXX XXXX ). They tried to put it in XXXX account but USAA pulled it right away and reported fraud. We have called USAA every week since the XXXX and have been told it will be back in my account within 3-5 days. Nothing ha happened yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has 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 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 2019-08-27
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from XXXX XXXX XXXX. Call received XX/XX/2019 @ XXXX ( MT ).

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 2020-10-19
Company: EQUIFAX, INC.
State: NH
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:
An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( XXXX XXXX XXXX ) and has now become present on my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : equifax has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! XXXX  dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX and EQUIFAX Have violated my federally protected consumer rights to privacy, confidentiality and publish information to my credit profile without my written consent. As a consumer I am protected from this types of IDENTITY THEFT under 15 USC 1681. The account that is illegally on my profile is : XXXX XXXX XXXX open XX/XX/22. Equifax and XXXX both have committed fraud and have violated my right Under 15 USC 1681 section 604a section 2 : it States that a consumer reporting agency can not furnish a account without my written instructions. I have not provided my written instruction to XXXX or Equifax. In section 15 USC 1681c ( A ) ( 5 ) Section states, no customer 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 and antedates the record report by more than seven years. I have not been convicted of a crime in seven years or ever. I otherwise as a consumer : Have the right to privacy as stated Under 15 1681USC section 602a.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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: Account information incorrect

Complaint:
Please validate this information and provide me with copies of any documentation associated with these inquiries, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 





XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Equifax declines to remove these unauthorized inquiries ... creditor stated that their company could not remove and apologized for the trouble ....

XXXX is no better ; they have 11 unauthorized inquiries that they decline to remove ... and will not forward me any documentation bearing my signature ... creditor stated that they have no power and do not encourage bureaus to keep reporting unauthorized inquiries ... 


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 explanation
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone stole my identity address phone information to apply for a credit card from XXXX XXXX bank Chase Bank also XXXX XXXX, then the chase bank credit card was approved, the bank sent the credit card to my home address via XXXX, and then they called XXXX to transfer the credit card Send it to their address, as follows ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ), until I received a letter from chase bank, I didnt know that someone used my identity address information to open a credit card account, I immediately called chase bank and returned Some banks told them that my identity information had been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: M&T BANK CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

MTBANKES 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 2018-10-25
Company: SUNRISE CREDIT SERVICES, INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried working with sunrise with no success. I ask for full documention on this debt which i do not owe and want this idem removed off if my XXXX credit 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There is incorrect personal information on my credit reports.

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 2022-01-06
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase ( cryptocurrency ) listed a new stable coin, XXXX, in XXXX, 2021. I had approximately {$100000.00} of a different coin, XXXX, and I converted all of it to XXXX. The price should have remained constant, but Coinbase set it up incorrectly, so when people began to purchase, the price value went up. Within hours, my portfolio had increased to {$170000.00}, but Coinbase disabled selling, so I was not able to sell for a profit. Trading remained disabled for several weeks, until the price was fixed at a much lower value. When trading of XXXX finally resumed, my portfolio had dropped to around {$23000.00}, where it remained because XXXX was now operating correctly as a stable coin. I'm only just now reporting this because I have been in constant contact with Coinbase trying to get a refund of my initial investment, through phone calls and email correspondence with Coinbase Support as well as filing a formal complaint with Coinbase on their company site and also filing a complaint with the better business bureau and FTC. In addition to the loss I incurred due to Coinbase not allowing sale of XXXX  while they worked to fix their mistakes, the 3 separate conversions that I made on XX/XX/XXXX from XXXX to XXXX each had hidden fees totaling around {$6000.00} even though the transaction previews showed a {$0.00} Coinbase fee to complete. Please help me recover these losses. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: OH
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 submitted a dispute on XX/XX/2020 regarding inaccurate information ( XXXX XXXX XXXX ) on my Experian credit report. Experian responded by saying that they conducted an investigation into the account in question only to notify me that it had been " Verfied as accurate ''.

I find it hard to believe that they conducted the same investigation that XXXX  did. When I disputed the same information with XXXX, the investigation results ended in the account being deleted from my credit report. Please have Experian remove this account immediately as it is preventing me from qualifying for an important loan.

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 2017-06-22
Company: EQUIFAX, 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 disputed a company with all three major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all three bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XX/XX/XXXX Equifax verified as my debt, but on XX/XX/XXXX, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the Equifax response of verified. Please help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation