BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didn't purchase item debt they are trying to get money to pay. It was purchased by a Mrs. XXXX XXXX XXXX, residents last known address was XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX XXXX  XXXX XXXX, XXXX, GA. Her phone number last known no longer of service, because the vehicle they seeking payment for past balance of was completely in her name. Also, On XX/XX/XXXX in a court proceedings Mrs. XXXX requested courts to award her the vehicle money owed on plus a vehicle which I purchased with cash when I first got out of XXXX XXXX XXXX XXXX and XXXX XXXX from having to have XXXX services in order to walk or take care of myself from a XXXX and a XXXX XXXX due to XXXX  in my sleep and I had a XXXX and a XXXX XXXX a wound up in at XXXX XXXX XXXX hospital in XXXX, GA, a XXXX Hospital on XXXX XXXXXXXX fighting for my life on XXXX XXXX until XX/XX/XXXX. I took out a title loan to get the money which I loaned to Mrs. XXXX for the down payment on the vehicle they are seeking money on balance owed which I believe was around $ XXXX {$5600.00}. I talked to them about this issue, but insisted to ruin my credit which was at time when vehicle got repossessed and I couldn't do nothing to make sure Mrs. XXXX made the payments on said vehicle due to the fact on XXXX XXXX I was placed under XXXX  for XXXX XXXX XXXX, for pulling a XXXX on a guy who was staying at Mrs. XXXX residence after the guy XXXX XXXX me after just getting out of hospital and was deemed XXXX after I got out if the XXXX  facility, due to Mrs. XXXX false statements when guy called the cops on me. I do know that they resold said vehicle for an undisclosed amount, because the dealership told me that it was resold. Also, the creditor sent me a payoff offer to clear up debit to get off my credit FOR the amount of $ XXXX {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-11-24
Company: EQUIFAX, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Resurgent Capital Services L.P.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Conns Furniture gave me a high interest rate loan. 
XX/XX/XXXX, I became ill. and fell behind two payments. 
The payments have since then been paid in full. 
The constant harassment of calling from XXXX different phone numbers continues. The calling of friends and family members continues, when asked that they stop. They said they would when they received XX/XX/XXXX payment. In regards to the Fair debt Collections Practices Act. and The Fair Credit Reporting Act. I really need for Consumer Financial Protection Bureau to step up and give real assistance. I have continuously filed complaints with CFPB, Since XX/XX/XXXX and now XX/XX/XXXX. As long as these loan companies are vendors to the repositories they will report whatever they like and they really need to be held accountable. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got an email that said " Weve decided to close your accounts because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days. If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. If you have any questions, please call us at XXXX, XXXX XXXX XXXX ET, 7 days a week. '' I called the bank to see why this happened. I was sure it was a mistake. They said they made a banking decision and did not have to disclose to me the reason why they were closing all accounts. So I immediately had no access to any money. I could not use my debit card or go to the atm. They closed my accounts after banks had closed for the day as well so I could not go into a branch and retrieve any of my funds. I was without money and did not have the option to add an external account online either. I was shocked and confused as to why this would happen to me. What kind of activity is inconsistent with terms and conditions? I use my accounts to receive my paychecks, pay bills, and order food.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: SYNCHRONY FINANCIAL
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I attempted to make my payments through my XXXX XXXX XXXX account in XX/XX/2015 and XX/XX/2015 in which for two months it was returned because this form of payment was not accepted by Synchrony Bank. So when I became aware of this situation, I made two payments within one month in order to bring my account current. I asked that as a courtesy to me that the {$35.00} fee would be removed. I was told that they would honor that in which that has not happened. Also, Synchrony keep accessing {$35.00} each month to my account although I am making my monthly payment of {$100.00} on the XXXX of each which is my due date for each month. Not to mention they are reporting as late for three months which is not the case and that is affecting my credit score. I am not late until 30 days and that has not been the case since XX/XX/2015 but they continue to report me late each month and charge a {$35.00} late fee for each month. These practices are unlawful and I wish these practices to be corrected on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to purchase a music box on a website XXXX XXXX XXXXXXXX for XXXX dollars ; I was going to use my credit card but when I went to check out the page automatically went to Paypal and then quickly went back to the website XXXX  and it showed that the item was paid for by my Paypal, which I did not want to use, nor intended to use but it all happened so fast and now in hindsight, I think what happened that this site has a script on it or something that checks quickly if the person has Paypal and since I did and my password for Paypal site is saved the purchase went thru. When I did not receive an email from the merchant like the way every purchase you make online does and along with the weird check-out episode I got very suspicious so I contacted Paypal right away within 5 minutes of the transaction and Paypal said I needed to take it up with my bank [ my Paypal card is backed by my bank checking account ] I said why and they told me the purchase went through with Paypal and told me I made a transaction by " sending money to family and friends '' and they don't offer protection for transactions of sending money to family and friends. I tried to tell them I did not send money to family and friends but instead purchased a music box on this website XXXX XXXX XXXXXXXX and was going to use my credit card but it automatically went through Paypal, which was weird in itself and so I contacted my bank to stop payment but they told me I had to wait for the transaction to clear ; I said I don't want it to clear because if it is fraudulent it will be just giving a criminal my money but they said that is their policy for it to clear first [ which I think should be a crime in itself ] so after it cleared they said they would file a dispute and after 60 days they denied my dispute because Paypal told them that the transaction was " sending money to family and friends '' and they don't offer any protection for this type of transaction. I asked them why would I " send money to family or friends '' when I am purchasing a music box on a website. Neither my bank nor Paypal would help me and I and out the XXXX XXXX and never received the music box..This complaint is against XXXX and Paypal . I filed a complaint to the hosting company that hosts XXXX XXXX XXXX which is XXXX. all they did was remove the website. I did some investigation and the person that had this site also had about 10 other sites with some of them still up and running. I just want my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 've been a loyal Banana Republic cardholder for around three years, and have had a {$10000.00} line of credit. I have an excellent credit score ( above XXXX ) and have never had a late payment or any issues on other issues with my account with the exception of them consistently putting holds on my account for fraud when I buy items in towns anywhere other than my own ( despite repeated calls letting them know that I travel frequently for work ). In the last month I 've called them on multiple occasions because of issues I 've been having with their online payment system. The first time I had an issue their online payment system debited the incorrect bank account account. I filed a Reg-E claim with my bank, as the deduction was not authorized. A second instance of them attempting to deduct money from an account that was n't even mine occurred a week ago. I called them immediately and told them that the account was not the account I had selected for payment. I then went back into the online system and paid the payment in full with the correct account. Two days later my card was declined, and after calling I was able to determine that they had closed by account with no notification at all. They are also trying to invalidate more than {$300.00} in rewards that are rightfully mine. I 've never been treated so disrespectfully or seen such terrible customer service. In the entire time I 've been a cardholder I 've never made a late payment. They informed me that the issues I was having with online payments were my problem, not theirs, and have now hung up on me twice when I called to discuss my concerns. By closing my card with no notification they are not only impacting my credit but also put undo hardship on me and my family as I had pending payments that I was forced to try to correct before incurring additional fees.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: IL
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent to certified letters over the last 60 days stating to Experian that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the XXXX XXXX Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against Experian for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the XXXX Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.

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 2021-11-25
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX21 Navient or someone they hired called my girlfriend 's parents. XXXX XXXX and XXXX XXXX. Both of them and provided information enough for them to know it was an attempt to collect a debt on behalf of Navient. I am not sure why they call random people when I have confirmed my number and address multiple times. 
I have made offers how to settle the debt, but the company says they do not have the authority. I quit taking their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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: Information belongs to someone else

Complaint:
I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.

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 2021-11-25
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a police report and FTC report back in XX/XX/2021 for Identity Theft and submitted it to XXXX and they refused to remove this Item in the amount of {$16000.00}. The account was recently updated on XX/XX/2021 which is innacurate. I also challenged the company Regional Acceptance and they never responded. I dont know where this debt came from. I have always paid my bills.

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