BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent a certified letter to the company in question to verify and gather other information per the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and they have stated to me that they are not required to provide any information that is required.

Company response to consumer: Closed
Consumer complaint received 2022-01-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
I hold Experian very liable for the poor representation of my credit. I have requested numerous of times to be shown proof of this fraudulent activity that keeps being updating to my consumer report without my permission which I firmly believe is a violation of the FCRA. The creditor XXXX XXXX  charged off my account XX/XX/XXXX and collected on the account as a tax write off but never sent me a 1099-c which by law I should have. Experian only reports what is given to them without concrete evidence of the situation that ruins the consumer ( me ) credit that I hold very important to my life, also my closed off XXXXXXXX XXXX XXXX  loan keeps reporting late payments that are also fraudulent, I was never late on payments. Experian was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I believe every time I send Experian a dispute about this situation they always send my report back as verified which is a violation of FCRA because they never send verifiable proof of who they spoke to or how they get this information. The privacy Act of 1974 guarantees my right to see records about my personal information, subject to the act 's exemptions. I can Correct a record or records that is inaccurate or incomplete unless it's exempt. The deceptive information that is being given out freely to other business about my credit is very disrespectful to me to the law according to the privacy act. Experian violates the law in so many ways when it comes to my consumer. I believe the FCRA states that Accuracy and Fairness should be followed and none of that is being practiced here, this account needs to be deleted at once, example, my charged off credit card from XXXX XXXX is reporting the wrong account number, date opened, last reported, high credit, etc, XXXX erased this account years ago and XXXX is facing litigation dealing with this inaccurate information. When I go apply for things or a new home I am told you are denied for approval because of this account which keeps reporting unlawful behavior. Litigation will be sought out if this matter is not taken care of.

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 2016-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased my first car on XXXX/XXXX/XXXX and financed it with Credit Acceptance Corp . I made my payments online on time in XXXX and XXXX XXXX using my debit card. On XXXX XXXX I was in an accident and immediately filed a claim. The car is a total loss. When I tried to make a payment on XXXX/XXXX/XXXX the payment was declined with no explanation. I tried several times without success. I called the company on XXXX/XXXX/XXXX and was told more than likely the insurance company had taken care of the loan. On XXXX/XXXX/XXXX I called the Credit Acceptance because the insurance company was still waiting to hear from Credit Acceptance. I was then told that I had missed XXXX payments and I had been reported to the credit bureau. I was told that when there is an accident you can not make payments using a debit card. I had no way of knowing this. I am attaching a copy of the message I received when I tried to make a payment. Today I tried to make the XXXX past due payments using two methods : debit card online and calling and neither method allowed me to make a payment. I wanted to take care of this as soon as possible because I need to purchase a car to get to my XXXX jobs but can not buy a new car with the credit report from Credit Acceptance. There is nothing in the payment coupon book that tells me I can not make a payment with a debit card if I have been in an accident. I want Credit Acceptance to accept my debit card payment and I want them to fix my credit report. I am young and this is my first attempt at establishing credit. I was diligent in making my payments in an accepted manner per the coupon book and coupon. Because I work XXXX jobs I can not wait on the phone to make the payments during their office hours which are Eastern Time ; I live in California. 
The insurance company on XXXX/XXXX/XXXX confirmed they are also waiting on Credit Acceptance for paperwork to pay off the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Credit Central Holdings, LLC
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
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: Account status incorrect

Complaint:
XXXX XXXX XXXX flagged a collection account on XX/XX/2021 for {$980.00} for original creditor XXXX. The amount was paid in full on XX/XX/XXXX. Please see see attached correspondence from both XXXX and XXXX XXXX XXXX that account is paid in full and closed.

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 2015-04-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: MI
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 WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I requested a copy of my credit report and noticed Well Fargo made arequest to view my credit report. I have never had any dealings withWells Fargo, nor have I requested any service with this bank that givesthem consent to access my credit report. I would like an explanation asto why they requested any information regarding my financial historyand want a complete transparent disclose as to who and why thisrequest was made by an associates within or any unauthorizedrequest by companies associated with them ( Wells Fargo ). 
I believe this request is illegal because I gave no such permission toWells Fargo to access my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Westlake Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX, I contacted westlake profilio management in regards to a refund check I was supposed to receive from a gap insurance after refinancing my XXXX XXXX XXXX with another company.The representative informed that the check was sent out on XX/XX/XXXX and wasnt cashed until XX/XX/XXXX. On XX/XX/XXXX, I closed and moved into my new home. I wasnt living at the previous address located at the time the check was sent to nor did I cashed it on XX/XX/XXXX. I expressed my concerns to this issue and the company has never reached out to me nor did they sent a letter about the status of the refund check after XXXX business days. Ive submitted a complaint to the XXXX  in regards to solving this case. The company continues to dismiss my rebuttal claiming that the check was cashed by me with an identical signature signed to it along with no evidence of where the check was cashed. I requested to receive a copy of the signed check cashed and where was the check cashed but the company continues to dismiss the questions being asked. The only response they given is that they verify with their accounting department and changed the date of the cashed check from XX/XX/XXXX to XX/XX/XXXX as their final response. The company has been very unprofessional and doesnt respect their customers business after making consistent payments to them before my account closed on XX/XX/XXXX. I will attach evidence of the inconsistency of the companys statement along with not providing any proof to these statements that they are claiming the check was cashed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged XXXX for an XXXX ride to a local hospital. Although I never received written notifications from the city of XXXX, I researched myself and paid my bill in full on XX/XX/2022 using my XXXX XXXX card. Retail merchants association is refusing to remove this collection and also refusing to acknowledge that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from this company PHH Mortgage stating we owe 32,000 thousand dollar and if you disagree send us information. In which I did and sent a return receipt threw USPS. No they are trying to foreclose on property that just was discharged threw bankruptcy. Have people coming to my house on numerous occasions. And they seem to be with company I was in bankruptcy with and discharged. RMS was paid off in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was restricted and then closed in XXXX due to some checks that where made to my fathers name who passed away. When the account was closed I was told I had to go to a chase branch bank and submit documents proofing that I had authorization and bring in the death certificate The funds would be released in a form of a cashiers check until this day I have not received does funds I have went up to the branch 6 times and every time the documents are being scanned by the agent in the branch and We are told they never received them so they are needed when in fact the agent has submitted them 6 times. Dates I have been to bank are XXXX. ( take in to consideration that I have spend the whole day in branch for this issue ) Fund amount that need to be released is for {$550.00} At the end of every phone call I am told the documents are received and the check will be mailed but that is not true it has not been mailed. That money is legally mine and is not right that I am being played with my time. Does funds have been on hold for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-07-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I continued to stay in contact with Wells Fargo while I was trying to sell my house to at least short sell, if possible. I informed them I came to the house every day, was maintaining the house and had personal items I was trying to get out. I had piles to go to the auction, to storage and to move. 
I was never given a first time vacancy letter. Instead, one day, I came home to a notice on my door, the back door locks were changed. My personal belongings were thrown all over the place. My tax documents were gone through and stolen. I had antiques, tools, items ready to go to auction for sale that were stolen. The place was a mess and I had a showing that afternoon for the house. 
On top of this, when I called Wells Fargo and their service who changed the locks, they told me it was n't necessary to file a police report, only to find out later it was very necessary. I was continually given a hard time on the phone with my claim. They gave me different claim numbers, they told me to file a burglary claim online but my policy number was never accepted online then they told me that residential policies could not be filed on line. I was continually re-directed. In the meantime, I had over {$2500.00} worth of stolen items, along with my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Im permanently XXXX with XXXX XXXXs. Im home bound and also a military dependent. I opened this bank account over two decades ago. Ive never had overdraft protection. Im good at budgeting the XXXX I get total monthly from Social Security. This morning I called to Purchase a car battery through XXXX because I have no running car. I use it for a security alarm. I sleep with my keys in case I need to push panic on my XXXX year old vehicle. My account is negative. I have access to XXXX dollars. The bank was very rude offering me the fraud number. They advised me fraud department closed XXXX. I can call tomorrow. You mean the XXXX when I get my XXXX?? From Social security XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was turned down to refinance my home today because of a recent delinquency reporting on my credit report from Ford Credit in the month of XX/XX/2020. They are claiming to not have received my payment that was sent to them electronically on XX/XX/2020. I did make this payment from my XXXX XXXX  online Bill Payment ( Please see attached bank statement and proof of payment ). Ford Credit never credited my account for this payment which was the payment in the amount of {$750.00} that was on XX/XX/2020. Ford claims they never received the payment but I definitely sent it and have proof attached. I informed XXXX in XX/XX/2020 that it was never credited to my account with Ford Credit so they filed a dispute to recover the funds which was credited back to my account in XX/XX/2020. However, Yes I got my funds back but my credit is now destroyed over this bank error that was beyond my control. My job is to make my payments on time which I did and I have always been doing. I can't refinance my home because of this inaccurate credit reporting caused by a bank error and I am requesting that this be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One sent me mail to apply for a credit card and get an Express Answer. After applying I got no answer except for a notice saying I would get more mail in weeks. I got a hard inquiry on my credit and no answer. 

I have all the paperwork and I am going to hire an attorney and file a formal complaint in court. 

This is misleading to say the least and is malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XX/XX/XXXX Chevy Silverado XX/XX/XXXX from XXXX in XXXX. I test drove the vehicle and it appeared to be sound. I drove the vehicle to my job location XXXX. Upon arrival the vehicle began hesitating and dying at stop lights. I checked the oil and it was down XXXX quarts. The engine light came on. I topped off the oil and noted the oil light was acting irregular. In XX/XX/XXXX I put my vehicle in the shop. The shop confronted me and said the oil sending unit was bad. It remained in the shop for XXXX week until the repair was made. Later that month I was experiencing the transmission shifting irregular and not changing gears until reaching high rpm. The vehicle died at the stop lights or upon breaking abruptly. I constantly checked the oil and after XXXX mile trips it would use XXXX quart of oil. At the end of XX/XX/XXXX I put the vehicle in the shop for XXXX weeks into XX/XX/XXXX and they replaced a motor mount, oil valve cover gasket, replaced the spark plug wires and spark plugs and the shop did a drip into the pistons claiming the rings were seized. Than seemed to address the oil consumption. I was still having issues with the transmission after XXXX miles dying coming to stop changing gears at high rpm. I drove back to XXXX. and took it to XXXX on the XX/XX/XXXX. On the XX/XX/XXXX they told me that the torque converter was fried. A Superior agent approved a used transmission from a wrecking yard on the XX/XX/XXXX. On the XX/XX/XXXX the truck was picked up. I paid the XXXX deductible. 
On the XX/XX/XXXX we traveled to our kid's house XXXX for the weekend and encountered the very same problem with the transmission. We stopped in XXXX for gas and the truck would not start. XXXX towing came out with a wrecker and hauled our vehicle XXXX. We had to rent a car XXXX to return back XXXX where we are working.         We got the truck in too XXXX. The service manager called this morning and stated that XXXX lifters needed to be replaced. He quoted XXXX for the repairs. When I asked him about the transmission he said they had to replace the lifters XXXX. I spoke to XXXX who is the Service Manage XXXX.
I purchased a service plan with the vehicle. They would not honor my past repairs and they are dragging their feet on the repairs to the Vehicles' transmission. We had the extended warranty plan, Superior Plan, on the truck  
I have owned this vehicle paying XXXX per month going XXXX months. My repair on this vehicle is well over XXXX bringing the monthly payment to XXXX per month not counting the cost of the transmission repair XXXX 
I have had to rent vehicles while my truck was in the shop in the amount of XXXX on XXXX separate occasions. The rental were XXXX days at a time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief