BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
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: Account information incorrect

Complaint:
I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

There has not been a response to my disputes on XX/XX/3019 nor XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: ID Analytics, Inc.
State: NC
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:
Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. 

The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? 

This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. 

IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: COMMERCE BANK
State: CA
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:
I signed up for the XXXX XXXX credit card, which offers XXXX points after spending {$500.00} in the first 90 days. I completed these requirements, but the points did not post ( even after 30 days, as per the terms of the agreement ). I contacted Commerce Bank, who told me to contact XXXX XXXX, who told me to contact Commerce Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: American Credit Acceptance, LLC
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: Information belongs to someone else

Complaint:
I enter into A contract with American Credit Acceptance on XXXX XXXX. After going over my contract and the federal laws, I know now that is fraud on the contract. I have sent American Credit Acceptance a right to recession letter on XXXX XXXX. I also sent them an debt validation and a cease and desist letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Second request.. these are not my accounts.

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 2018-03-19
Company: Santander Consumer USA Holdings Inc.
State: PA
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 had an auto loan with Santander Consumer USA, phone no XXXX. They claim I was late throughout the duration of the loan. I was never 30 days late. My husband repeatably, when to our Credit Union which printed out all our payments for the loan. Not one was missed. However Santander kept saying we missed one. Everytime to spoke to someone in customer service the date of the late payment was always different. They did not settle for less then the amount due. Our loan was supposed to be paid in full in XX/XX/XXXX. We agreed to pay a XX/XX/XXXX to just end this battle. It had been going on for 3 years. We actually paid more, not less. They sent us the title right after that.The manager of Santander said he would remove any derogatory information off our credit report. He didn't he actually added more damage. They already have all the documentation concerning our payment history from our credit union. This was provided several different times. Also we made payment to XXXX XXXX which is a division of this company, we paid them in person. After several payments they said they had to keep forwarding them to right location could we please make our payments to Santander on line. I think that is where the problem came into play. The payment or payments never got forwarded to the right place. This is hindering us from getting a mortgage. 

Funny thing in XX/XX/XXXX my husband purchased a new car for me. Guess who was the first bank that wanted our business. Yup Santanders. I told the dealership I rather walk to work. 
These people are liars and ruin peoples 's lifes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last XX/XX/2018, my Mortgage Co., Mr . Cooper, lost my check. I realized that my payment had not been put through my account by late XXXX. Since I had never been late on a Mortgage Payment, I called the company, Mr. Cooper, and spoke to someone at Mr. Cooper.A lady told me to give them a week to see if they had found the check..When the week was up and they had not processed the check, I called again ... She told me to do a check over the phone, which I did. The very next day, the original check showed up and Mr. Cooper put it through my account which caused my account to be overdrawn, I did a stop payment on the check but was charged {$35.00} for being overdrawn by my bank, and a {$30.00} fee for a stop payment of the check written in XX/XX/2018. So guess what, this XXXX Mr. Cooper lost my check again ... I again did an over the phone payment. ( My payment is due on the XXXX of the month ) Then last Friday, XX/XX/XXXX, the check for the XX/XX/XXXX was put through my account, again overdrawing my account. I had to borrow money to cover this check. Mr. Cooper wants to automatically withdraw funds from my bank ... I don't trust them. This year the lady should have put a note on the account in case the check showed up ... I guess they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
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 information incorrect

Complaint:
I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/2019

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 2018-03-26
Company: Experian Information Solutions 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:
An XXXX XXXX account appeared on my credit this account was opened frauduantly and I sued the car dealer and XXXX XXXX and was found not liable. Illinois attorney general office was involved law enforcement and the court system for consumer fraud trans union and XXXX  all removed this item because its not mine it was obtained fraudulently. But for some reason Experian doesn't understand the meaning OF FRAUD. I have reached out to XXXX XXXX but they cant help me because they cant verify information on account and as part of my settlement they cant even talk to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Ascendium Education Group
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, Transunion, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and XXXX XXXX. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.

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 2018-03-20
Company: Clarity Services
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I asked for both a security freeze to be placed and also a request for my full credit report disclosures, as i have read before this company seldomly likes to comly with FCRA guidlines, so i no ask the CFPB to help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recieved call from a collection company regarding an amount owed to previous landlord for back rent following moving out of our apartment. The apartment claimed we did not give adequate notice of vacating. We were told by the apartment complex that we would receive a written notice of amount due following move out. This written notice was never received. We requested a written statement from the collection company and received it after 2 requests. After receiving written statement with amount due, we reached out to the collection company regarding payments to resolve the amount. Spoke with a gentleman who informed me that making a payment and continuing to pay each month would prevent the amount from being placed on our credit reports as a collection account. Following that conversation, I immediately went online and made a payment. I then called and informed the representative that I had made the payment. I did this to be certain that I was following the correct procedures to protect our credit and resolve the debt and was assured that I was. Within one week of making the payment, the company hit both mine and my wifes credit with a collection account, which was extremely detrimental to our score. I then spoke with the representative at the collection agency again, letting him know that a collection account was placed on our credit, and he informed me that he would be speaking with his manager to get it resolved and removed and would be calling me back that afternoon. I never received that callback. After two weeks, the representative did call back. He was oblivious to the conversation wed had prior regarding the collection account. He assured me AGAIN that he would reach out to his manager and have him speak with me directly. I have yet to receive a call back, and can not get in touch with the manager despite repeated attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize credco to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX and XXXX attachment is my police report for fraud

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 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018 Capital One Loan Auto XXXX Service financed XX/XX/2018 XXXX   XXXX XXXX Vin # XXXX therewith XXXX XXXX  took delivery.

On XX/XX/2018 Mrs. XXXX  experienced a series of electrical matters and sought to return the vehicle for an exchange. Mrs. XXXX over her objection allowed the service department to make an attempt to repair the damage. The said repair failed and Mrs. XXXX sought an exchange of vehicle and or rescind the loan and met with strong resistance that still remains thereof by the parties ( XXXX XXXX & several employees from Capital One ) involved with said transaction both abinitio and post thus far, and was told the loan had been funded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved out of the rental with proper notice. This company never sent us an itemized statement regarding move out costs per Nevada Law. They then referred us to a collection agency with an outrageous amount for inflated costs. They refuse to respond to our requests to resolve the dispute or to provide us with receipts showing the alleged costs. It is now on our credit from a collection agency and the only option is to take them to court to resolve. The amounts are ridiculous that they are trying to say we owe and have not provided any proof of the amounts other than their word.

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 2017-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is Portfolio Recovery according to google. They call from various different numbers from all over the country and never leave a message. They harass with their multiple daily calls from all over the country. They use different numbers to avoid getting caught. Please stop this harassment! They have over XXXX collection complaints on the BBB website alone for these practices. 

Last number called from XXXX, XXXX Their actual address and phone number is : ( XXXX ) XXXX Portfolio Recovery Associates, LLC 21 years in business Headquarters XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I attached when the loan was at current this has been such a struggle. I have reached out to Credit Acceptance multiple times once because I had an XXXX XXXX XXXX XXXX XXXX. Then we received custody of our XXXX grandchildren unexpectedly and Covid blah blah blah. They basically gave me no choice regarding payments that I did admittedly miss a few and have been charging 22.9 % interest rate The entire time. In my opinion, this is astronomical they have not been willing to help instead, tell me that theyre going to repossess my vehicle.

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 2019-05-03
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS WHICH I WAS UNAWARE OF. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THOSE DEROGATORY ACCOUNTS,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. I'M Finished months ago. 

Debt relief and now with Global Solutions, say I pay until 2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done

Company response to consumer: Closed with explanation