BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
My daughter and I bought an SUV from XXXX XXXX XXXX used cars. It was financed at the car lot through Credit Acceptance. Near the end of signing loan papers he said Credit Acceptance required GAP insurance to be paid for to cover damages to the vehicle if personal insurance did n't pay enough. Loan could n't be completed without accepting so I signed. It cost {$670.00} extra in financing. Recently I 've heard it 's illegal.

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 2015-08-21
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for a loan with XXXX different lenders and was presented with XXXX different credit scores from Experian. My credit union provide XXXX different scores. While in the credit union I was told that my Experian score was at XXXX. They turned down my loan but sent be an Adverse Action warning and the Experian score was at XXXX. I applied at a different lender for the same loan and was told that my Experian score was at XXXX. Same Credit Reporting Agency giving out XXXX different scores. It appears to me that this is against The Fair Credit Reporting Act. If not why do we allow them to control our credit history and scores when they can not give the same score to every lender?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX, disputed an negative item on my Consumer Reporting account with the 3 major credit bureaus XXXX, XXXX, XXXX on XX/XX/2022 to the account which is the account the account number is # XXXX XXXX XXXXXXXX Bank XXXX XXXX reporting to all the consumer reporting agencies as Charged Off with a high balance of {$5700.00} which means you have a 1099c form from IRS XXXX Internal Revenue Service XXXX I am demanding XXXX XXXX Bank XXXX to send me a copy of the 1099C form. Notice, I will have to report this to the IRS. 

Section 61 ( a ) ( XXXX ) specifically includes income from discharge of indebtedness as gross income..Any amount of discharged debt excluded due to insolvency is limited to the amount of insolvency ; any amount forgiven beyond that would be included in gross income. Best regards. : )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have spent the past 6 months sending disputes monthly to Experian about XXXX inaccurate accounts reporting on my credit report. ( XXXX XXXX XXXX XXXX Accounts and XXXX XXXX Account ) Experian has consistently disappointed me by doing everything in their power to not honor the disputes. They 've said:1 ) This is a suspicious request and we are protecting your identity, so we will not honor your disputes ( Although the dispute was not suspicious, it was sent certified mail with a return receipt and included my identification documentation and a list of the accounts in question ) 2 ) Send more documentation, we ca n't verify your identity ( although I sent a copy of my passport, drivers license and social security card with the original dispute and the address on my disputes matched the address on my Drivers License and Credit Report ) 3 ) We have previously verified these accounts, we believe your dispute is not valid, so we will refuse to process it. ( Although their other responses were not verifying the accounts at all, they were requesting more information and fraudulently denying me my rights under the Fair Credit Reporting Act. 
4 ) Now they have stopped responding to my disputes all together. 

It 's evident to me that Experian is willfully non-compliant and blatantly breaking the law. When I sent the request to XXXX and XXXX, they deleted it right away. 

Now, here is the part that really gets to me ... I called XXXX XXXX Collections and they told me that they requested the accounts be deleted from my credit report months ago. I asked them if Experian has investigated the account, and they said no. 
I was recently denied housing because the property management company pulled by Experian report and this information is still haunting me after I 've done the exact process of disputing inaccurate information that is granted to me under the Fair Credit Reporting Act. But Experian is blatantly breaking the law and it 's threatening to make me homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has 4 accounts and will not remove them. I told them ID THEFT VICTIM AND they stated after numerous investigations they have proven accounts were mine and refuse to remove. However. One account is XXXX AND THE ADDRESS FOR THE COMPANY IS WRONG AND FALSE. ALSO I CONTACTED THEM AND THEY HAD NO RECORDS OF ME OR ADDRESS ACCOUNTS WERE LINKED TO. THEY EQUIFAX, XXXX, and XXXX are all ID FRAUD ACCOUNTS AND EQUIFAX refuses to REMOVE IT BECAUSE THEY STATED THEY VERIFIED THE 4 accounts were mine. I asked how they knew that. And all EQUIFAX STATED WAS THE INVESTIGATION IS ELECTRONIC AND ALL THE DEBT COLLECTORS HAVE TO GIVE THEM IS NAME DATE OF BIRTH AND LAST OF SOCIAL SECURITY. THESE ACCOUNTS HAVE BEEN DISPUTED OVER AND OVER AND STILL APPEAR ON MY CREDIT REPORT ALTHOUGH THEY ARE ID FRAUD. EQUIFAX XXXX AND XXXX ALL REFUSED TO REMOVE AND I CONTACTED ALL COMPANIES AND NOTIFIED THEM. AND ALL I GET IS ITS NOT MY ACCOUNT FROM THE CREDIT ACCOUNTS BUT ID THEFT HAPPENED AND NO ONE WILL REMOVE THEM! Please Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting XXXX and is in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Everything on my Credit is 10 years old or more and it 's stoping me for getting a house Experian need to get that old stuff off my Credit before i sue them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a small business owner and in between XXXX I had to take a great loss as XXXX came across the street to my newly purchased XXXX in XXXX, XXXX Not even that I had to close the XXXX but also had to pay for the removal of XXXX. Well for that reason I could not pay my Federal and State Taxes which I end up paying all of them with the penalty. Those tax liens still show on my credit report with XXXX of them as un-paid due to this I got denied earlier this year when I try to Re-finance my mortgage and again now when I applied for a small business loan. I tried to contact Experian, IRS and State of PA and all verify the paid status but Experian is unable to provide me a reason for my XXXX credit score. This is effecting my life immensely and I am requesting a resolve to this situation, thanks.

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 2022-02-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I was scammed on instagram by this lady who said she could invest my funds and give me major profit on my return. The only reason I did this was because I saw somebody I knew do it. However, I gave this person 3 thousand dollars and they were still asking for more. They were asking for another 4 thousand dollars. This was all done in the XXXX app. And I purchased etherium as currency. Im really scared and feel horrible about losing this money. Her XXXX  was @ XXXX. I asked for my money back and she no longer responds.

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 2022-02-22
Company: EQUIFAX, INC.
State: NE
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:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a complaint on XXXX/XXXX/16, case number XXXX, regarding tax lien Case or ID # XXXX. A few days later Equifax responded that the tax lien has been removed and will mail me a conformation letter. 
I received the letter, which I have attached, and clearly states that the record is reporting correctly. I obtained my Equifax credit report the same day and sure enough the tax lien is still on there. I 'm asking, once again, that Equifax remove Case or ID # XXXX from my credit report as it has been withdrawn and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX is on my credit as a charge off has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions My name XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please correct this account immediately.

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 2015-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The reason for my complaint is because Experian has continued to report a publicrecord that is fraudulent even though I have sent supporting information to have the public record removed. They continued to claim that the public record is coming back verified from the Vendor. I have contacted their vendor XXXX XXXX XXXX XXXX and expressed my concern and brought to them my concern in a separate complaint that i filed with CFPB case XXXX. They responded with my concern explaining that the XXXX County Public record was removed from my lexis nexis risk file. I am attaching the response that I received through the CFPB portal from XXXX XXXX and requesting for Experian to remove this public record from my experian file. The last complaint that I put on Experian in my opinion they did not even do an investigation as the results were given not even 5 days from the date that I put the complaint. 

I am also going to attach my Drivers License and Social Security Card requesting for Experian to remove the Extended fraud alert from my file. I attempted to upload the document to the Experian website and they have also failed to respond to my request. I am requesting for a credit line increase with one of my creditors and they are declining me because of my fraud alert. They requested that I remove from my credit profile before they can continue with my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I just got foreclosure sale date notice today for  XXXX   XXXX   XXXX  by certified mail while in the modification proce ss. Ocwen Loan Servicing keeps violating the law over and over again. My California Home Owner Bill of Rights.The attempts to wrongfully   foreclose on my home. The foreclosure notice which states that    XXXX  is the foreclosing party. In California  XXXX  can not foreclose by law. VOID! VOID! VOID! CALIFORNIA STATE SUPREME COURT RULING  XXXX   XXXX   XXXX . How many more times is Ocwen going to keep breaking the law. It is a crime. FRAUD. People go to prison for commiting FRAUD. But not the PRESIDENT AND CEO and of them that commit FRAUD AND THEFT a t Ocwen. All the fines Ocwen  has received from different California agencys has not stopp ed Ocwen from this wa y of doing business. It must STOP NOW. Ocwen is currently under investigation with CALIFORN IA FINANCIAL PROTECTION BUREAU AND   OTHER AGENCYS. Ov er 1000 law  suits going on right now against them. Al so Class Action Law s uits.   I am a victim of Ocwens behavior and it must stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX TX

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 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following information is incorrect and is recorded on my Trans Union Credit report - several years ago ts same report had shown up on my XXXX Credit Report and I sent an online dispute and the item was removed - showed same amt and creditor but had an open date of XX/XX/XXXX and an address was a rental property in XXXX I owned XXXX years ago. I have tried to call XXXX and no answer - just loops - and I have written with no response. Tis is NOT my account -- and info is over XXXX years old!! HELP. XXXX XXXX XXXXAccount DetailsLast ReportedXX/XX/XXXXCollection AgencyXXXX XXXX Original CreditorXXXX XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed DateResponsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ok I 'm trying to make or rebuild my credit with a business loan and a car loan, I been making my payments on time so therefore my credit was increasing every month, from XXXX went up to XXXX so when I come and check this month on my equifax account, it went down to XXXX, i know I ca n't apply for not credit cards or loan because my credit will go down, so i have n't apply for nothing because I ca n't afford another bill and my goal is to increase my credit not to lower it, I believe someone might be using my info to apply for credit cards, because equifax says I recently apply for a credit card and that affected my credit score so I would like this to be fix, because I did n't apply for nothing, also would love to know how to stop this person from using my name, please I need help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Ad Astra Recovery Services Inc
State: RI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ad Astra is still on my credit reports. I have filed complaint after complaint with them, and i have submitted proof that this was paid in full, while one credit reporting removed it not the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.

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