BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: GLA Collection Company, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid directly to XXXX XXXX. The debt listed is no longer owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Transactions XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX  XXXXXXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX 'S XXXXXXXX XXXX XXXX XXXXXXXX CARD XXXX, $ XXXX : Closed XXXX XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX CARD XXXX, XXXX XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX RMCF XXXX ( # XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX AZ XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX  XXXX AZ XXXX CARD XXXX, $ XXXX : Closed XXXX, XXXX AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed They saw large transactions coming from my account and they did not attempt to stop them even at the fact they were made 5 hours away from my house. Then i tried to provide information and they would not let me to show proof I was at work and not able to make those transactions.

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 2023-08-15
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This already on my credit and Ive been so three times to another Creditor this is unfair to a consumer I am XXXX. I can not afford this bill and I would this be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
There is an account being reported from XXXX XXXX XXXX with account # XXXX date opened XX/XX/2019 closed with XXXX balance. Please delete this from my name it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We test-drove a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, VA on XX/XX/2023. We liked the car, and made a deal based upon a written guarantee that the dealer would replace the infotainment system. We put {$4000.00} down in cash. We had told them, up front, that we could buy it for cash. 
Their loan " officer '' drew up a contract, but failed to even ask us if we wanted a : loan, " Service Contract '' ( {$2500.00} ) nor did he discuss : Loan terms, loan rates or length of the loan. He quickly ran us through the details of the Buyer 's Order and asked us to sign, etc.

Later that same evening, we examined the contract and realized that this company is one of those infamous used car dealers who thrive on exorbitant loans and quickly repossess the vehicle ( s ) as soon as ONE payment is missed, so that they can sell it to the next suckers. Over and over. 
I had texted the general manager of the dealership : XXXX XXXX, on both numbers : XXXX and XXXX that night. I had already looked the CFPB up and told XXXX XXXX the deal was off unless he cancelled the loan from Consumer Acceptance Corporation " XXXX  ''. Primarily, because XXXX XXXX ( loan agent ) did not ASK us if we even wanted a loan, much less a warranty, plus the details above. He agreed to cancel the loan, and later told me that he had called XXXX  and that they would send him papers acknowledging that the loan was cancelled. We have not received any proof that this has actually been done. 
We returned to the dealer, with {$5000.00} CASH, on XX/XX/2023 and bought the car, and drove it home. Bill of CASH Sale in hand. Today, XX/XX/2023, I found a XXXX for the first payment to XXXX in the mail. See attached. 
I immediately called XXXX  today, and spoke with " XXXX '', and I offered to send her a scan of the CASH Buyer 's Order, but she ( XXXX XXXX said that would not be necessary. She checked with their Verification Dept. who stated no request had been made by XXXX XXXX or anyone else at XXXX XXXX XXXX. I then called XXXX XXXX XXXX again ) and he assured me ( again ) that he would call XXXX, etc. 
I have not heard from him since and sent him an e-mail with my concerns. He has not responded to that either. 
I researched Consumer Acceptance Corporation and their " Service Contract '' " company '' and found nothing but complaints about both from many consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a used 2023 XXXX XXXX from XXXX XXXX XXXX in XXXX, OR on XX/XX/2023. I repeatedly told the salesperson ( XXXX XXXX ) I did not want to purchase an extended warranty with purchase of my vehicle. The dealer included an extended warranty with purchase of my vehicle at a cost to me of {$1200.00} even though I repeatedly expressed I did not want to purchase an extended warranty under any circumstances. The salesperson ( XXXX XXXX ) misrepresented the purchase of the extended warranty as I was signing all the required paperwork. The salesperson ( XXXX XXXX ) led me to believe the extended warranty I was purchasing was actually a factory warranty at no cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Capital Management Services, LP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX my employer was contacted and disclosed information that should not have told.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: LA
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. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Acct Name : XXXX XXXX XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX : Acct Name : # XXXX XXXXXXXX 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 I request all late payments be removed from my consumer report also, pursuant to 15 USC $ 1681a ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX  cable services XX/XX/XXXX, in XXXX on XX/XX/XXXX I once notified XXXX  after receiving a new bill of service that I was disconnected, on XX/XX/XXXX they took another {$330.00} with out my consent of authorization, on XXXX I received a bill for $ XXXX for unreturned equipment, I was awaiting a location from them to do so, XXXX XX/XX/XXXX I returned all equipment, on XX/XX/XXXX a new bull cane stating i owed {$560.00}, I called and was told the next bill will have that removed. Today on XX/XX/XXXX I got a leeter of collection from Southwest Credit Systems stating them are attempting to collect $ {$560.00}, i have already contacted my atty general office of Pa, in reference to this fraudulent bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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 my XXXX letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX 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 XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is called One Main Financial, It was in XXXX when i applied for it, it is a unsecured loan. I went through two traumatic experiences last summer and it has affected me to repay these loans. 
Account Number Ending XXXX Dear XXXX XXXX : This is a reminder that your payment of {$2400.00} is due on XX/XX/XXXX. If you have not yet made arrangements, please consider using one of our convenient payment options : Call us at XXXX to schedule a check by phone Web Payment option by visiting us at : XXXXpayment Mail your payment to : OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Standard hours of operation are XXXXXXXX XXXX XXXX XXXX XXXX ET with extended office hours in some locations. 

Thank you in advance for your prompt payment. 

Sincerely, OneMain Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.

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 2023-05-08
Company: World Acceptance Corporation
State: SC
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:
XXXX. XXXX XXXXXXXX XXXX  XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen 2. World Finance January XXXX XXXX  This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise 3. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was send back due to a factory defect and was charge off by a lender and are asking to pay for car thats not in hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is result from Identity Theft! I did not open up this account. I sent this company my FTC report letting them know this is a fraudulent account along with the address attached to it which is on the the FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IN
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 previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

In accordance with the Fair Credit Reporting act XXXX  Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX XXXXXXXX

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 2023-05-08
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On multiple occasions I have received phone calls and emails with XXXX XXXX private information. Including name address, and balances owed and banking information. I have requested multiple times to stop calling and emailing me as I am obviously not her but they argue and refuse. They even refused to remove my email address because I dont know XXXX a full account information. I have been told just to pay it and theyll stop This violates so many privacy laws. And is harassment to someone who never used or had an account with them.

Company response to consumer: Closed with explanation