BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: DRIVE NOW ACCEPTANCE LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX Drive Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified Drive Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX Drive Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to Drive Now, My husband made a call to the Drive Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, which Drive Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully.

Drive Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against Drive Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations

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 2022-08-17
Company: CarMax, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I 've requested via online disputes as well as calling the credit bureaus to delete  XXXX  incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect 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 explanation
Consumer complaint received 2020-10-19
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I leased a sectional and kitchen table with this company in XX/XX/2020. I was told by the manager at the furniture warehouse that I had 6 months to pay the furniture off same as cash with out interest. 

I called XXXX XXXX XXXX today, XX/XX/2020, to pay off the remaining balance on my account of approximately {$1000.00}. I was told that I owe {$3400.00} instead of {$1000.00} because my pay off period of 90 days ended in XXXX. 

This information is directly inconsistent from what I was told when I made my purchase and the representatives of the company engaged in false and misleading practices to acquire my business. 

I entered into this contract under false pretenses and I would like to rescind the contract or pay off the amount I actually owe, which is {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened the prepaid card back in XXXX I with Td bank with the understanding that they dont charge interest rates on a prepaid card because they would never let me go over and what I spend is only {$300.00} but it was capped off at XXXX I asked for the account to be closed and Im still being charged a interest rate and being reported to the credit bureau as having late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Todd, Bremer & Lawson, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was attending  XXXX  University and I had to drop out out of school due to my mother having  XXXX . Because I dropped out  XXXX  University sent me to a loan collection agency which I did n't understand because it usually just goes to my Federal Loan account with all the other loans I 've taken out. I made a few  XXXX  dollars payments to  XXXX  but I 'm assuming that was not enough because they sent me to collections wi th Todd Bremer and Lawson, INC.  When they contacted me about setting up payments in  XXXX  of  2015  I agreed for them to take out  XXXX  dollars each month. It is an automatic draft so I have been paying every month since. However when I questioned them about the  XXXX  hundred dollar fee they where charging me they just told me it was because of late fees. I let it go but now I 'm starting to wonder if those fees are even legal.  XXXX  hundred dollars is a lot for a loan that I thought was under Federal school loan and not a loan from the school. The school sent me only one notice before they sent me to collections and even then I sent them a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern The late payments status on my credit report are invalid and inaccurate. I have requested credit reports agency. Credit Bureau fail to verify inaccuracies.I have not received supporting verification of documents of being late on account This a violation of 15 usc 1666 b Please delete the inaccuracies. 

XXXX XXXX XXXX date XX/XX/22 XXXX XXXX XXXX Date XX/XX/22

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 2023-07-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I see an improper or fake or never requested and unknown inquiry on my credit report and access to my info from XXXX XXXX on XXXX XXXX for auto finance and it is fraudulent as it not me and I have experienced recent identity fraud especially on auto loan related. 
I never contacted or requested this and it is fraudulent and unknown.

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 2020-10-19
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For some reason this showed up on my credit again. I sent them a letter and they did not respond. They did this before. I want this removed off my credit and someone to call me to figure this out. I have received nothing, nor have the even tried to contact me again. Just go around destroying people during a pandemic. I once again ask for the CFPB to full investigate this company. Their tactics of destroying people is appalling. This is demoralizing and deceitful. I can't continue to battle them and work, take of my family, and try to lead a normal life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
A foreclosure of this property is currently in process. Bank of America holds the second mortgage, a HELOC loan, on the property. The property is held in a Trust in which I am the sole Trustee. I am also the daughter of the mortgagors who are both deceased. The default on the loan is due to the mortgagors deaths and a lack of any funds whatsoever in both the Trust and Estate. I am trying to personally attend to these debts. A restraining order is in place to halt a foreclosure sale that was scheduled for XX/XX/XXXX at which point I immediately placed the property on the market so as to resolve the debts on the property. Despite the fact that this restraining order is in place, we received notice on XX/XX/XXXX from a law firm advising that Bank of America has moved forward with a foreclosure. This is a violation of the restraining order. It is also not in compliance with the Fair Debt Collection Practices Act. I have attached the letter from the law firm with this complaint.

Despite the fact that this debt is not my own, I have been trying in earnest to get this resolved. The property has not yet sold though it is still on the market. I have been advised that I am unable to be reviewed for modification or assumption options, despite my being Successor Trustee, and that my option is settlement of the HELOC, as it is a second-position lien, or sale of the property. With Bank of America moving forward with the foreclosure despite the restraining order and the property being listed, it seems settlement of the debt is the only way to avoid foreclosure. Unfortunately it has been a source of great frustrationand has cost time and moneyto pursue a settlement through a customer relationship manager. In the past I have been provided incomplete instructions, had documents lost, spent money to have them re-sent only to be told they were never reviewed. I have been told I am unable to be in direct contact with the department that handles HELOC settlements which would be the simplest, most efficient and quickest route to a solution for all parties. I am deeply concerned that Bank of America will foreclose before I am able to correspond with the settlement department and resolve this debt.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted disputes to inaccuracies on my credit reports and Trans Union and XXXX have refused to investigate them because they believe " I '' am not submitting these disputes. 

I have provided them with follow up information, ID, and confirmed the information in my credit bureaus and they still refuse to investigate.

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 2023-06-20
Company: NCB Management Services Inc.
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There are 2 negative remarks on my credit report by the same company and I have NO IDEA what it is!! 
They also called my younger brother to discuss this debt I know nothing about, which is illegal. They tried getting personal information and when I told them to stop contacting me because it is considered harassment they told me they can do whatever they like. 
They are looking for an " XXXX XXXX '' and that is not me, even when I tried telling them that it is not me. When I asked for proof of the " original documentation '', they denied sending it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/23 I received a call from TransWorld ( XXXX ) wanting to know why I had not responded to letter sent out in XXXX and XXXX of this year regarding a debt of {$16000.00}. 

I replied that I had not received any. She checked her records and apparently the information was not sent to me but to my Renter. I immediately asked for a digital copy of ALL the information sent to the third party. The Rep said a supervisor would call me tomorrow. 

I also said I had written proof that their client XXXX XXXX XXXX had agreed to a settlement from the insurance company and that they had been paid. I also explained to the rep that the insurance company said if XXXX XXXX XXXX feels they are owed more the need to resubmit. 

XX/XX/23 I did not receive any contact from the company so I emailed them with the same information. 

XX/XX/23 Called and spoke with XXXX and retold my story she said she would transfer me to a supervisor. I was disconnected during the transfer. 

XX/XX/23 Called back and with XXXX who said she would transfer me to her supervisor, XXXX, but again I was disconnected. 

XX/XX/23 Called back and spoke with XXXX XXXX who said she would transfer me to her supervisor but the number just rang with no voice mail option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: HI
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have been fighting with Synchrony Bank ( XXXX ) since XXXX of XXXX. 
the first time I called them was XXXX XXXX made an offer {$3000.00} on a collection of {$3900.00}. told me they would let me know within 72 hours. I never heard back from them I would call and call and kept getting " we are still waiting on approval ''. Then when I started to call again they were telling they cant find the account and it seem to always be one thing after the other. XXXX XXXX I call and they said there was no settlement offer and that things got behind because of the holidays. So I got XXXX  of this and submitted another offer of {$2300.00} on that day XX/XX/XXXX they said call back in 7 to 10 days. I gave it alittle more time thinking that if I did they would have an answer. I call back on XX/XX/XXXX and still NO approval. At this point we are going 8 months and im just getting the run around. Finally on XX/XX/XXXX I spoke to them on an 18 minute conversation and the last minute of that she tell me that the debt has been forgiven and it will be deleted. Well this is XX/XX/XXXX and still nothing has change on my credit report.. I want this remove today from my report. This has gone on way to long and I'm getting XXXX  of their 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 2023-05-14
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Reporting Act.

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 2018-11-01
Company: Experian Information Solutions Inc.
State: HI
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2018-11-01
Company: EQUIFAX, INC.
State: HI
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation