BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: American Credit Acceptance, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2021 XXXX down payment at XXXX in which the contract was explained to me and the female told me the wrong price and apr lock me with a illegal amount at 28 % XXXX credit score XXXX invested with American Credit Acceptance.XXXX XXXX XXXX XXXX value on car worth is XXXX cojmpany had me at 9 % apr I switched to an cheaper vehicle and apr became 28 % swap me from XXXX XXXX XXXX to American Credit Acceptance a supervisor told me that the APR 28 % was to high dont know why i received that one my credit score was XXXX now is XXXX making it hard to get a good job and different important things I was making the payments then they repoed the my vehicle damaged it and stole personal belongings and money I did a claim and they never contacted me I tried to sell car to XXXX since I purchased it consistent problems alternator transmission even a Broken passenger seat never was able to fix or they didn't care XXXX told me they did a XXXX point inspection which is false because the problems with the vehicle there is and undisclosed accident they didn't tell me about that is why the passengers seat Broken dangerous to the safety of my self and any occupants They say I owe XXXX or more on the car it's value is XXXX which I've have payed XXXX so far I wasted a substantial amount of money gas XXXX weekly and batteries Because there negligence not fixing car before selling it to me Repo company XXXX XXXX XXXX  XXXX XXXX damaged my car and stole items that has been talked about or replaced I have video of some damaged I noticed on the lot where it was towed to guy told don't take pictures or video until I was off lot I declined and video this situation I loss my job when they first repoed my car and my belongings I need this company to stop harassing me I would like a refund of down payment and /or money invested from selling it with bad alternator and transmission and car seats and undisclosed accident its very unfair and deceptive please help me thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, and XXXX are reporting information that certification has not been given with my consent to report an accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. 
ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, the such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. 
ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To Whom it may concern : I am fighting 2 loans disputes a parent loan by Navient Solutions that so call being investigated when my son left after 2 months because they would n't let him in class with no financial aid. This is the 4th dispute with them not doing anything. Now Navient has purchased this loan and dong the same stating they approve my forbearance which I never spoke with them or had any contact with them other than the other loan I am disputing .This loan is over 30 years old it  was from XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX and was under XXXX XXXX which I disputed the amount XXXX and how it was processed by the school. I was told I need it graduate? But I was on a XXXX XXXX XXXX. I was in bankruptcy for 5 years since XX/XX/XXXX. This loan from Navient states repayment begin in XX/XX/XXXX which I remember sending payments to XXXX XXXX so they would attempt to take our tax refunds and they was working on investigating ( The school signed your name on the application or promissory note without your authorization or the school endorsed your loan check ) now loan amt ( XXXX ) now unpaid balance ( XXXX ). payments of XXXX starting on XX/XX/XXXX XXXX payments and last payment XXXX to end XX/XX/XXXX total with interest XXXX, no fraud and rip off but when you contact them with your information or CFPB they give a fake response like they are looking into the matter. I need help I am XXXX years old and in XX/XX/XXXX if I live I would be XXXX XXXX XXXX .The CFPB need to go after this rip off Company. I understand there is a pending lawsuit. How many other people have been affected by this Company and their tactics and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please refer to the following statute, I am a granter of the MERS-HELOC DOT, NOTE and reside at the residential property XXXX XXXXXXXX XXXX  XXXX NV XXXX referred to in the DOT and NOTE. 

XXXXRequest by grantor of deed of trust for certified copy of note, deed of trust and assignments. 

1.A grantor of a deed of trust may submit a written request to the servicer of the deed of trust for a certified copy of the note, the deed of trust and all assignments of the note and deed of trust if : ( a ) The real property subject to the deed of trust is a single-family dwelling ; ( b ) The grantor is the owner of record of the real property ; ( c ) The grantor currently occupies the real property as his or her principal residence; and ( d ) The servicer or beneficiary of the deed of trust is a banking or financial institution or any other business entity that is licensed, registered or otherwise authorized to do business in this State. 

2.Not more than 10 days after receipt of a written request pursuant to subsection 1, the servicer of the deed of trust shall provide to the grantor the identity, address and any other contact information of the current owner or assignee of the note and deed of trust.

3.If the servicer of the deed of trust does not provide a certified copy of each document requested pursuant to subsection 1 within 30 days after receipt of the request, or if the documents provided by the servicer indicate that the beneficiary of the deed of trust does not have a recorded interest in or lien on the real property which is subject to the deed of trust : ( a ) The grantor of the deed of trust may report the servicer and the beneficiary of the deed of trust to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry , whichever is appropriate ; and ( b ) The appropriate division may take whatever actions it deems necessary and proper, including, without limitation, enforcing any applicable laws or regulations or adopting any additional regulations. 

4.As used in this section, banking or financial institution has the meaning ascribed to it in XXXX XXXX XXXX Please fulfill my request for the documents as mentioned in section 1 & 2 of the statute XXXX XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
MY PROBLEM IS THAT CAPITAL ONE CLOSED MY ACCOUNT WITH FUNDS IN IT APPROXIMATELY WITH A BALANCE OF {$70000.00} THAT WERE DEPOSITED FROM 2 PPP LOANS AND WERE NOT RETURNED TO MYSELF OR THE SENDER INSTEAD THOSE FUNDS WERE KEPT FROM CAPITAL ONE AND STILL DOES FOR OVER A YEAR NOW WITHOUT A RELIABLE EXPLANATION WHERE THE FUNDS GO. THIS IS THE FIFTH COMPLAINT IAM SUBMITTING BECAUSE THE FIRST 3 RESPONSES CAPITAL ONE SENT ME LETTERS SAYING THEY WILL RETURN THE FUNDS TO THE SENDER AND THEY REQUESTED A HOLD HARMLESS AGREEMENT WHICH THEY RECEIVED TWICE BY THE SENDER ( MBE CAPITAL PARTNERS ) BUT THEY STILL HAVENT SEND THE FUNDS BACK. AT THE FOURTH COMPLAINT THEY WOULDNT EVEN RESPOND BECAUSE SUPPOSEDLY I WAS A VICTIM OF FRAUD WHICH IS NOT TRUE AT ALL..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05
Company: LoanCare, LLC
State: NY
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:
Loancare Home Mortgage. Name attached to mortgage history that is not responsible for the debt. 

Contacted and wrote the company.

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 2022-08-30
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX {$320.00} - - - Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$320.00} Original Creditor XXXX XXXX Past Due {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My XXXX report is XXXX pages. My transunion report is XXXX pages and my XXXX report is XXXX pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX and on another report its listed as a XXXX, XXXX, or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom this may concern, This is a follow-up to my ongoing reports that Wells Fargo & Company ( " WFC '' ) is violating a number of consumer protection laws. By way of background, WFC alledges I am obligated to pay a debt - but WFC has not provided verification of such debt. At the same time WFC has refused to provide identity theft protection services as promised within the account agreement. After I reported these illegal activities to the CFPB and OCC WFC retaliated by submitting known to be false information to my credit report. This including submitting to credit reports that my address was " Cease Desist XXXX, SD '' ( effectively locking me out of the financial system because banks were unable to conduct an address verification as my credit report would say I lived at a non-existent address ). In addition to submitting false address information, WFC removed all of the previously reported satisfactory payment information from my account and chose only to report the negatives - which is a gross violation of the Fair Credit Reporting Act. 

Unfortunately, that was not the end. After I reported the retaliation to WFC and the CFPB, WFC updated my credit report and removed the fact that the debt is in dispute. This appears to be an attempt by WFC to remove the fact that I have always disputed this debt in an effort to sell the debt to a third party for a premium. 

Given such, I am demanding that WFC re-insert the correct information that the debt is in dispute and include that upon my credit report. Furthermore, WFC shall provide all of my disputes and arguments to any party to which is sells the debt to. 

Notwithstanding the above, I would like to know how the arbitration policy effects disputes if WFC transfers or sells the debts to another party. Will the other party be bound by the same arbitration agreement?

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 2017-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
CLAIMID : XXXX XXXX claims reversed from XXXX for transactions that were not made by me Claims support agents were extremeley unhelpful and unwilling to cooperate and help out a I did not make either of these XXXX transactions I remember that day clearly I started off my day at XXXX and seem to have misplaced my card after that so yet again I was not at XXXX XXXX in the day in question CHASE EXTREMELY UNHELPFUL!!! UNHAPPY WITH THERE SERVICE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Fair credit reporting act, Account XXXX XXXX XXXX XXXX Account number XXXX has violated my right. 

15.4.s.c.1681 section 604 A section 2. 

Please remove 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: Shellpoint Partners, LLC
State: AZ
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:
Hello I am emailing once again, my credit report is showing a negative credit remark for a late payment on XXXX. I was in forbearance during that time and working closely with XXXX XXXX from Shellpoint mortgage loss mitigations department.my forbearance was from XXXX XXXX XX/XX/2021 and we resumed payments in XXXX of XXXX. Our loan was sold from cardinal financial to Shellpoint mortgage on XX/XX/2021. XXXX from shellpoint and I worked on the forbearance and the partial claim together. I made sure to always contact him with any questions I had and asked if any negative credit remarks would be added to my credit during or after this entire process he advised me there would not. He stated all payments were taken care of properly and that the partial claim was successfully completed. I have made all my payments on time and my payments resumed in XX/XX/2021 after my forbearance me partial claim. This is negatively affecting my credit score and caused me to drop many points. I have been trying to get this fixed since XXXX of XXXX  and am still having issues and facing hardships due to this mistake they made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Auto loan for a XXXX, Account Number XXXX that was a total loss on XX/XX/XXXX. There is a GAP insurance problem I have been unable to resolve with Ally Financial. The car was purchased on XX/XX/XXXX. I am the buyer on the 72 month auto loan and my son XXXX is the co-buyer. Ally claims that GAP insurance does not cover losses if the loan is extended. I never extended the loan, but Ally extended it 5 times, despite me sending them written notification not to extend the loan. Ally claims that the co-buyer can extend the loan without the buyers permission. I dispute that because my written contract does not state that. Ally charged off the loan and sent my account to a collection agency. There is nothing in New York State contract law that supports Ally 's position.

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 2022-07-20
Company: CREDIT ACCEPTANCE CORPORATION
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX  Credit Acceptance Corporation XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 3 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.

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 2022-08-30
Company: Experian Information Solutions 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:
I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by XXXX5 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES 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 non-monetary relief
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: NY
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:
Experian will not allow me access to my report online.Experian will not allow me to dispute fraudulent accounts on my report.Experian will not allow me to report fraud on my reports.Experian will not investigate fraudulent accounts on my report. Experian will not fix errors on my report and they will not send me updated credit reports.i pay for credit monitoring with experian and the only report i can see online is from 2018.i would like to dispute items on my report online and have uodated copys of my report during the dispute.I would also like Experian to update my report on experian.com every month like i pay for.

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 2017-04-15
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have tried disputing this tax lien with Equifax that has been withdrawn with the letter of withdrawal of tax lien because I never owned the money, and the state of west Virginia realized their mistake. I have supplied Equifax the letter, and they still refuse to remove it from my credit.

Company response to consumer: Closed with non-monetary relief