BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXXXXXX XXXX my grandson went to XXXX XXXX XXXX XXXX XXXX. and called me with the representative seeking for me for him to get a car. I told him I would not. The rep. and my grandson, without my authorization or knowledge and outside of my presence ( given I was working that day ) electronically signed the paperwork in my name and, upon information and belief, on a " wet copy '' forged my signature without my consent. The account and contract were assigned to CREDIT ACCEPTANCE CORP.. When I received a statement from Credit Acceptance Corp., I reached out to XXXX XXXX XXXX XXXX XXXX, they refused to do anything. I requested all the information from Credit Acceptance Corp. and they sent me a statement regarding how to deal with identity theft. I then went to the XXXX Police and a police report, and I also filed a police report with the XXXX County Sheriff 's Department. Credit Acceptance refuse to help me. So far, I have not received any justice.

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 monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2016-03-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX XXXX XXXX XXXX XXXX ( CT ) loan then sold to XXXX XXXX in XXXX then sold loan to Navient in XXXX. Paying regularly until XXXX, XXXX. I started back to school XXXX in XXXX XXXX. I was told 3 times in XXXX, XXXX and XXXX, XXXX, that my loan would be deferred ( 48 months ) because I was a full-time student. I filled out all the paperwork and my school did also. On XXXX XXXX, XXXX, I received XXXX letters from Navient each saying a different thing about the loan. My University reports monthly so I waited till start XX/XX/XXXX for reporting. I started getting dunning calls about my loan being was late. After three 45 minutes call with XXXX " managers '' I am " UNABLE '' unable to use my last two months of deferment that I am eligible for according to loan documents cause it DOES not fit into their bill cycle. They can help by lowering interest rate to 1 % and payment goes to {$160.00} a month. I requested copies of the loan documents at end of XXXX, XXXX. The loan documents sent were dated XXXX/XXXX/XXXX, and post marked XXXX/XXXX/XXXX, and I did NOT receive them til XXXX/XXXX/XXXX. I am called atleast 6 times a day by the automated dailer from area codes from XXXX, XXXX, and XXXX all without them leaving a voicemail as to why they are calling. I have explained the situation about their misinformation to me on numerous occasions and that I do not have means to pay because on SSI but they are unwilling to do anything but the above. Please help and investigate billing practices/conversations/collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Mercedes Benz Financial Services
State: VA
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 are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX Account Number : XXXX  This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX  This is not mine.

10. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

11. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

12. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian credit agency ; I have and old phone number set-up on the account when trying to login the system wants to send a authentication code but I don't have that phone number anymore I called on Saturday the XX/XX/XXXX to have the phone number updated I was told 24 hours wait time for system to update. Now here it is Monday XXXX of XXXX and the number has not been updated. 

I called Experian to speak with technical support, when telling the rep my situation she hung up the phone. I tried calling back but my number was put on a special block list where you can no longer get passed the automated system I CAN'T GET TO A REP I'M XXXX, Please fix CFPB, I just called the XXXX & XXXX fix my issues within 5 minutes, Experian is purposely blocking access via phone. 

Plus in the process of trying to get passed the proms I locked my report so there are a host of issues they are not addressing CFPB FIX IT

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 2015-08-14
Company: P&L Acquisitions LLC
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I am receiving debt calls and letters stating I am going to be sued. They have even called my partner on his cell and home numbers. I am told I owe {$2100.00} from 2008. I have asked for proof, but none received. I did n't have a card then. The company is P & L Acquisitions. My partner told them not to call him again, but they are calling daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Our condo association of XXXX members approved an amendment to our XXXX. In order to file in Wis you must have approval of mortgage holders in addition to the owner 's consent. There are XXXX banks who refuse to sign and or have thrown up many road blocks to their signing. XXXX saying they have nothing to do with the loan after it is granted, the XXXX asks for information and when it is sent they ask for more info plus several times ask for same paperwork they already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I checked my credit report I noticed A collection from Enhanced Recovery account # XXXX. I quickly went ahead and made the payment even tough I never got notice from them or was aware of this debt. But want to protect my credit so took care of it immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/2021 the amount XXXX put a Collection on my credit from a company that I have never done business with. Know contract has been provide with Signature no copy of ID or Soical Security Number provided. Per 609 of the Fair Credit Reporting Act. The Credit Reporting Agency can't provide me their method of verification and a copy of the Reporting Company signed contract between them and I before this account was Reported on Credit File the Reporting Agency must have a copy of the said documents on file.

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 2021-11-25
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent an email on XX/XX/2021 from Hunter Warfield , Inc. about a debt that is owed by me to XXXX XXXX  which is our former landlord where we rented from XXXX XXXX for XXXX  years. I was contacted by phone from someone stating they are from Hunter Warfield , Inc. on XX/XX/2021 at around XXXX AM. In the email the following quote is given which is truly incorrect ; " Dear XXXX XXXX, Our records indicate that we have your permission to communicate with you via email at the following address : XXXX '' This I would never do. They have misrepresented themselves with a lie to begin their email along with a harassing telephone call on XXXX XXXX. 

I have no knowledge of this debt and our reasons for leaving the house and moving away were for safety reasons with growing XXXX with the neighbors who were also tenants of 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 2016-03-02
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office. 

Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself. 

In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This weekend I was out of town and again was charged {$34.00} six ( 6 ) times. As soon as I received a message from Chase I deposited funds into the account. I worked for WAMU  and opened my account in the year XX/XX/2000and then worked for Chase  until my Doctor placed me on permanent XXXX fixed income. As an Employee Account I should not be charged these fees. They just refunded 10 such fees last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in 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 2021-08-02
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is DENYING the requested information. 

Equifax is playing games in this matter. ALL IS NEEDED IS FOR THEM TO GO INTO THEIR ARCHIVES, LOOK AT WHAT MY CREDIT SCORE WAS ON THE DATE OF XX/XX/2020!!!!!!!!!!!! Instead of compying with my request, they have sent me my current credit score, and repeated letters asking for my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : M XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from Transworld systems this morning and they are trying to collect a debt from someone who used me as a reference. The person is my son, XXXX XXXX, but he does not live with me, nor does he even live in the same city. They chose to give me his name and tell me what they were trying to do. My job experience is credit and collections and I already know of XXXX violations that that they have made?? Calling a 2nd party & discussing that persons acct. I see where they have already been sanctioned by the FTC but that does n't seem to bother them? There are multiple blogs on the internet in re the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal authorized a refund that I did not approve. The item I sold was sent to the buyer who refused to sign for the item cause it to come back unclaimed ( return was not authorized nor was it returned properly ). The item never returned to me yet PayPal went in and stole my money. They brush me off and say go to XXXX who provides a number that isnt in service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Monterey Financial Services LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had a medical procedure two years ago and used XXXX to pay for my procedure. Monterey Financial created our loan. We have been paying our loan to them on a monthly basis. Monterey started showing on our credit report that we were past 30 days and we have only been past 30 days one time. I contacted Monterey several times asking for an audit and was not given XXXX. We disputed with credit bureaus and then received a contract to validatensure our debt. When we got it we noticed the amount financed on contract was not accurate. We contacted Monterey and was told the amount did not matter because we signed the contract and it was a binding contract and we were responsible to pay. Please help!!

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