BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credit acceptance auto finance loan is a bunch of crooks. All the information pertaining to my car loan that I inquired on has continuously went unanswered. Here are some of my concerns. For starters I have been paying a repossession down for two ( 2 ) years in the amount of {$500.00} monthly and the balance still remains the same. This would make the loan more than 120 days past due and yet the loan has still yet to be written off ; and I am still being assessed compounding late fees. I would like to settle this loan for a reasonable amount or the value of the vehicle. I have dealt with difficulties and setbacks throughout the course of the pandemic including contacting XXXX  myself multiple times, unsteady employment and housing and each and every time I asked for assistance I had been denied. Please assist with a settlement or balance write off for this vehicle as they have received more than what the vehicle is worth.

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 2022-12-22
Company: EQUIFAX, INC.
State: NC
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:
it has been way over 60 days since I made this complaint to the CFPB - XXXX XXXX, and have yet to get any response or remedy from XXXX. Please see previous complaints. 

Equifax - Complaint # XXXX Based on your response : Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
I would like Equifax to conspicuously disclose and provide to me all the steps they took to VERIFY that this account belongs to me according to the FCRA. Violations ( 15 USC 1681d ). ( 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Credit reporting 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 these companies to run my credit it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received approval from Best Buy for a {$1000.00} credit card. I purchased an XXXX XXXX  with a credit card for about {$670.00} and received an additional {$150.00} warranty with it. After a few days, I realized Best Buy had given me a defective laptop that was likely used by someone else. I tried to have it fixed under warranty, but they said they couldn't fix it. 

I tried to get a refund for a defective device I had received, but they wouldn't give it to me. Later, Best Buy increased my credit card limit to {$2000.00} without my permission even though I had only agreed to a {$1000.00} credit limit, charged me an additional {$1600.00} in interest, and sold my debt to a debt collector. I'm not sure who the debt collectors are right now, but each time I tried to call Best Buy to resolve the issue, they were unable to assist 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 2023-09-16
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I sent out a certified letter with a return receipt to XXXX and Schools First Credit Union cause it came to my attention that they have been inaccurately reporting XXXX accounts on my consumer report. 

XXXX XXXX # : XXXX Schools First Credit Union # : XXXX Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics. 


These negative accounts have been placed as a Collection/Charge-Off status WITHOUT mailing me a copy of IRS 1099-C Cancelation of Debt. XXXX and Schools First Federal Credit Union are reporting Collection/Charge-Offs, Late payments, and other derogatory information on my consumer report are in clear violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities. If these derogatory accounts are not deleted within 10 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a saving account with bank of america. 

There only options is to close by mail or by phone. Which is crazy in this day and age. 

I tried calling by phone. Out of 17 options for my saving account, 'closing it is not one '. 

The automated voice dose not understand closing acocount. 

I have spend over 2 hours trying to talk to someone. 

I have also been cut of on a number of occaisions for no reason.

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 2023-09-17
Company: Continental Finance Company, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
his Person ( XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I hope this letter finds you well. I am writing to formally request the removal of outdated personal information from my credit report. I have noticed that my credit report contains old names, phone numbers, and addresses that are no longer relevant or accurate, and their presence on my credit report may lead to confusion or inaccuracies.

Below, I have outlined the outdated personal information that I would like to have removed from my credit report : 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  PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
I believe that the presence of these outdated personal details is unnecessary and may lead to inaccuracies in my credit profile. Removing them will help ensure the accuracy and clarity of my credit report, which is essential for my financial well-being. 

I kindly request that you initiate the process of removing the aforementioned outdated personal information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date consumer information.

I appreciate your prompt attention to this matter and kindly request confirmation of the actions taken to remove the outdated personal information from my credit report within the timeframes specified by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: American Credit Acceptance, LLC
State: ME
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:
Since XX/XX/2023 I have been trying to get accurate payment status of my auto loan. I am NOT 30 days past due. This is not accurate. I have requested this debt validated and they keep saying it has been verified. Most recentlyXX/XX/XXXX I got an alert they updated to paid current, and then today I got another alert that the account is 30 days past due. This is NOT accurate at all. Its unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX XXXX XXXX XXXX XXXX and was denied by Bank of America on XX/XX/2013. Bank of America stated that they denied me because " one or more of your accounts has been included in a bankruptcy. '' My bankruptcy was filed over 10 years ago and does not appear on my credit report any more. 
I filed bankruptcy XX/XX/2013 because I had XXXX XXXX XXXX XXXX and a lot of medical bills. 
I have rebuilt my credit and believe I'm being treated unfairly.

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 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  collection XXXX XXXX XXXX A bunch of things on my XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home on an assumption of my XXXX XXXX. It was originally scheduled to close in XX/XX/2022. Because of errors by XXXXXXXX XXXX, the closing was not finalized until XX/XX/2022. In speaking with people from XXXXXXXX XXXX, the delays were because the company had lost all of the people who knew how to handle assumptions. I was required to make the mortgage payments and all utilities for XXXX, XXXX and XXXX. I was on an automatic withdrawal from my checking account and Freedom Mortgage withdrew another payment for XXXX. The closing date for the sale was XX/XX/2022. 
I have been trying to get a refund for the payment they were not authorized to take for the last XXXX weeks. Every time I have called them, I get various routings of my call and have been told to contact Loss Mitigation by email. When I send the email outlining the problem, I only get an automated reply, telling me to call the same number I have called dozens of times.

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 2022-12-22
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: Account information incorrect

Complaint:
Over the past six months, I have mailed various letters to the credit bureaus in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate account reported on my credit profile. I have asked the bureaus, XXXX and Experian, to verify the validity of this account, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureaus. The account that is inaccurately being reported is a XXXX XXXX credit card account that reflects 120-150 days past due on my credit profile by XXXX and Experian. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
RE : Complaint About Ongoing Fraudulent Fees And Interest Charged by American Express on a closed account ( Account # : XXXX XXXX XXXX ) Copied : American Express, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir, I am following up on my multiple complaints I filed with American Express since XX/XX/, regarding fees being charged on closed account and still have no resolution. 

I closed my credit card account # XXXX XXXX XXXX. However, I found in XX/XX/ that despite the account being closed I was charged a annual renewal fee of {$95.00}. I called the customer service to point out the error on XX/XX/XXXX  and requested for the correction. 

Recently I learned in XX/XX/, that the previous in-correct fee charges were still not removed several months after I brought the error to their notice. In addition on XX/XX/, I have fraudulently charged addition {$39.00} late fee for not paying the previously disputed incorrect fee of {$95.00} charged in XX/XX/. 

I am demanding American Express to immediately correct the fraudulent fee totaling to {$140.00} and any associated interest charges on already closed account. I am also demanding immediate end of American Express harassing practices, to impose fraudulent fee and impose additional fraudulent charges on top of the previously fraudulent charged fees that re already disputed. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On the evening of XX/XX/XXXX I notice two charges to my debt card made through PayPal that I did not make. I called the bank but it was too late to stop the payments from being taken from my account. I filled out fraud report to paypal on XX/XX/XXXX and they claimed that I made the charges and they would do nothing to help me get my money back in the amount of {$990.00} and {$400.00}. This charge was to a company in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I requested a pdf copy of my fully executed note, deed, and final closing disclosure. XXXX and Mr. Cooper refused to provide the information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited XXXX checks in person at the PNC Bank located at XXXX XXXX XXXX, XXXX, KY XXXX, to be deposited in my checking account with PNC. The amount of the XXXX checks totaled {$270000.00} - primarily my Federal tax refund check from the IRS, but also my Kentucky state tax refund check ( {$7600.00} ) and a small escrow check from XXXX XXXX  XXXX ( {$1600.00} ). 

At the time of this writing ( XX/XX/XXXX ), the funds have still not been made available for me, and PNC will not give me an estimated time of release, saying only that they are " under fraud investigation ''. I wish to invest these funds, so at this point I am suffering financial damages from the inaction of PNC bank to release this money because they are costing me dividends I could be receiving. Additionally the {$600.00} that was originally in my checking account is no longer available. 

I have spent over XXXX hours on the phone trying to talk to the right people at PNC, but nobody can help me. I have visited the branch XXXX times since depositing the checks and that has also been a huge waste of time. I seem to have no options to do anything about this, and I really don't understand - doesn't PNC *want* my business??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete XXXX. How in the world did they verify these claims? XXXX of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX XXXX XXXX XXXX XXXX for not more than XXXX XXXX, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX XXXX XXXX after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA XXXX Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$250.00}.

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 explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX AV XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX CARD XXXX Balance : {$780.00} ; XXXX Balance : {$4500.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX ; XXXX OF XXXX XX/XX/2022.

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