BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 I contacted Debt Recovery Solutions regarding an account they are attempting to collect for and reporting on my credit report. They received my request for them to validate this account via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and they have yet to respond to that request. Instead what DRS has  done is send me a text and call stating someone will be delivering papers for me to sign and I needed to be home to sign for them ... giving me the impression that I am about to be sued although the alleged account they are attempting to collect occurred more than 4 years ago, which is the statute of limitations in texas to sue a consumer. Debt Recovery Solutions continue to verify this account with the credit reporting agencies even though they have failed to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following creditors, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of XXXX XXXX XXXXI demand XXXX XXXX XXXX to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXX XXXXXXXX XXXXk XXXX XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}

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 non-monetary relief
Consumer complaint received 2015-07-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My XXXX XXXX XXXX is financed through Credit Acceptance where I am the cosigner as I had to get my XXXX-year-old father to sign as principal after finding out I am the principal on my son 's XXXX XXXX truck I cosigned a few years earlier. This was done without my knowledge or approval ; I mean I will cosign for my kids but NEVER the principal signee but that 's another story. Since XXXX of XXXX after being contacted by my Dad that he was forced to make XXXX payments on this account to keep it current. At the time, I had missed XXXX XXXX XXXX payment & another one was n't due until the XXXX of XXXX XXXX. Okay, thanks Dad, paid him back & set up my automatic payment again. Credit Acceptance took another payment in XXXX so it was really ahead, then XXXX in XXXX on the XXXX & then the XXXX. I called in XXXX as I 'm a XXXX & can not afford their mistakes. They blamed this on having XXXX separate accounts set up even though they both came for the same & original bank account. I received a call on XXXX XXXX, XXXX where I was told I was again a payment behind ; they did not take XX/XX/XXXX payment for some reason even though these were once again submitted in XXXX XXXX. I made arrangements for their automatic payment representative to set this up once again, even being read their disclosure authorizing this. I also made sure all my info was correct as my father 's diagnosis of familiar XXXX XXXX XXXX was confirmed & wanted to be sure they had everything accurate. I stupidly enough thought all was well until Sunday evening, XXXX XXXX, XXXX ; when the repossession man was at my door to get the XXXX in the garage. Thinking everything was just a misunderstanding, I let them take it as I was also under the impression I had no other choice ... this money was just sitting in my bank account so it was no problem getting it caught up once Credit Acceptance was opened on Monday morning but, this came with a {$330.00} loss I am told is my fault for not making sure the payments were actually drafted. I 'm thinking, XXXX more payments & they know the principal signee has XXXX XXXX who was also NEVER contacted. This seems like a scam to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-12
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I made a payment arrangement with my loan company. There was a tow truck driver sent to repo the vehicle after that was done. I made the arranged payment and gave him the conformation. He said ok pulled his truck away from my vehicle and allowed my husband to proceed to leave with the vehicle. He then stayed in my driveway and when I went out to check he yelled that my payment was no good. When I tried to show him the confirmation he put his hand in my face and said " I am done with you '' he then ran to his truck while yelling " I am having your husband arrested for grand theft auto ''. He proceeded to contact the XXXX County Sheriff 's Department. While he walked got in his truck I contacted the finance company to confirm the payment was received. The Sheriff 's Deputy arrived and advised me that the driver had called to report that my husband endangered him by " driving the vehicle off the forks of his truck '' and claimed that there was a domestic disturbance occurring. All of which was false. After explaining the situation to the officer with the loan company, Credit Acceptance, on the phone. I was advised that they could not force me to surrender my vehicle without a court order and the driver was removed from the area.

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 2022-10-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
The following creditors, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of Midland Credit Management.I demand MidLand Credit Management to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: DC
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:
The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX Equifax and XXXX credit report. XXXX XXXX has sent Equifax and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and Equifax credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX Banks XXXX XXXX, XXXX XXXX XXXX, Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but Equifax and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with Equifax and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was quoted an APR of 3.44 % for an auto loan on a vehicle that is between 2 an 7 years old on XXXX XXXX 2017.. The quote was given to me over the phone on a recorded line. When I called to complete the loan I was told that the APR had changed to 4.11 %. I was told on the XXXX XXXX call that the APR was good for 45 days. I was transferred to a supervisor XXXX employee number XXXX. XXXX was asked to review the call from XXXX XXXX and meet the quote that was given. XXXX stated that all calls are not recorded which is not true. Calls that give APR are required to be recorded. After being disconnected several times I reached XXXX who states she was the assistant to the CEO. XXXX took my complaint and stated that the bank would be calling me by the close of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: CA
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Overlimit fee

Complaint:
Capital One continually charges me overlimit fees, despite the fact that I have n't used my card in many months! I call every month to complain and it takes me threatening to report them for them to remove it. I 'm tired of this. I 'm sure they are doing this to other people and it is illegal. 

I pay the minimum or more every single month. I do n't use my card, yet they find a way to charge me these fees. Please look into this practice. It has to be illegal. 
This is a record of what has happened since XX/XX/XXXX ( the last time I purchased anything with this card ) : XX/XX/XXXXMinimum due {$73.00}, Paid $ XXXXXXXX XXXXXXXXterest- $ XXXXOverlimit fee- $ 39Sept XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest Charged $ XXXXOverlimit fee $ 39XXXX XXXXOverlimit fee {$39.00} ( The previous overlimit fee put me over my limit!!! ) XX/XX/XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest $ XXXXOverlimit Fee {$39.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-11
Company: Professional Debt Mediation, Inc.
State: TX
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:
A company other than the original creditor collecting on a debt that is not mine. I contacted the original creditor and they have no knowledge or records of me ever living in their apartment complex. I have problems renting apartments because of this matter. The company who I rent for now took the liberty of verifying to the original creditor if I ever lived in their property and they told them no also. 7 years ago this same debt was removed from my credit report and this same company somehow managed to have it reported back to my credit report and updates its monthly so that it could remain on my credit file longer than allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not have a contract with Credit Management LP and they are attempting to illegally collect a debt on behalf of XXXX. I have notified Credit Management LP that their records are inaccurate as XXXX has been paid and confirms a balance paid in full. These predators are trying to make me pay money I don't owe. I am pleading with you to remove this inaccurate item off all three of my report and to stop Credit Management LP from harassing me and to cease high jacking my credit. Their predatory practices have crippled my ability to apply for a best rate mortgage

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 2022-03-24
Company: EQUIFAX, INC.
State: NC
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 keep telling eqifax to remove fraudulent accounts from my credit report. ive sent them multiple ftc id theft reports/police reports etc and they keep giving me different answers. today i sent them another ftc id theft report/police report, copy of driver 's license and social security card copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: ERC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Company says that I owe them some money for debt on a XXXX account. They constantly call me and have sent letters to me about it. However, I have never been a XXXX customer. My phone is from XXXX. XXXX says that my credit report is accurate, but I don't think it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Merchants' Credit Guide Company
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, MERCHANTS CREDIT GU add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GU has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: American Credit Acceptance, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have made most of my payments on time. I asked to be refinanced to get lower payment and was denied. I'm paying {$770.00} a month for a 2015 car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation