BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-01
Company: American Credit Acceptance, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
American Credit Acceptance ( A.C.A. ) is lying that I owe them {$1000.00}. XXXX XXXX, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed {$9700.00}. XXXX paid {$8300.00} ; XXXX paid {$1000.00} ; and XXXX paid {$550.00} for a total of {$9900.00}. They were overpaid by {$240.00} and they never gave me my refund. I had GAP insurance by XXXX, and XXXX refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the letter attached to the check is correct amount owed. XXXX had a breakdown of all parties payments except XXXX extended warranty refund for {$240.00} which should have been returned to me, not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a certified letter to transunion disputing inaccurate information in regards to a public record. I have filed chapter XXXX and it has been discharged. I sent copies of the court information proving that the public record item for XXXX XXXX was included in the discharged bankruptcy. I get back a credit report showing the amount owed of XXXX. It is to my understanding under the FCRA rule no amount should be showing. I also disputed this online. I am filing a complaint for them refusing to fix this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
For the entire year of 2016, I have been working with the credit company to resolve several issues on my credit report. The main issue is a bankruptcy I requested proof of validation, the credit company did not answer my complaint or directly respond to verification of the bankruptcy. I wrote the U.S. Bankruptcy court in South Carolina asking for proof that the credit reporting agency contacted them to verify validity of the bankruptcy. I have attached a letter from the clerk of court saying they do not answer request for info or send it out to credit companies. Since the credit company failed to answer my complaint within the time alloted by law, I asked for it to be removed from my credit file and any other accounts that are listed as a part of the bankruptcy.I have several documents I have maintained throughout this process, they are to numerous to send by e-mail, but if requested, I will gladly mail you all copies.

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 2016-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had a collection removed in XXXX 2015 and now it is back on the credit report-yes I did called and the lady said that it was just taken off earlier than it was suppose to I am asking is that legal also I have disputed the collection 3 or 4 times because I have never lived in the apartments so do I have to wait another 7 years to be taken off

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 2016-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion.And XXXX XXXX is attempting to collect on fraudulent balance information and needs to cease and desist all collection efforts and delete this from my credit portfolio and close and return back to the original creditor

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 2016-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute with Experian regarding information on my credit report that they were reporting that was very concerning to me on XXXX XXXX, 2015. Experian responded to my dispute stating that they believed they had received a suspicious request and would not be investigating the information I was disputing. I sent Experian another dispute on XXXX XXXX, 2015 via fax as I received their fax number from a representative over the phone and also sent them a copy of their response and all of the documents they needed to update my credit file. They have not responded and it has been over 45 days since my dispute was submitted to their company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Experian has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.

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 2016-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called Experian today XXXX/XXXX/2016 at around XXXX and was on hold till about XXXX an agent picked up in the fraud handling department by the name of XXXX XXXX state he team was XXXX or XXXX. I stated to the rep that the XXXX major credit bureaus have removed the account diversified consultant. The XXXX major credit bureaus where XXXX and XXXX I also have supporting documentation in writing stated that the account has been removed also via email. I have provide the same documentation to all XXXX major credit bureaus on my detectives behalf XXXX XXXX and also been approved and am a victim of Identity theft. I asked the rep how can XXXX bureaus take this account off my credit but you guys say it still remains. according to the other XXXX bureaus being that I have filed the policy report and it has been approved with heavily documented information the account ha been removed. This agent XXXX XXXX stated all XXXX bureaus operated differently in which I know it is all built on the same foundation just a few tweaks of course. she than tells me its basically nothing she can do so I asked nicely if you cant help please put me on the line with someone who can. she stated she will not because I keep interrupting her when I stated I am the customer before I argue with you id like a supervisor. She than states I will not transfer you until I can say what I need to say. I stated I do n't want to hear what you have to say anymore transfer me now and do your job. At this time she is still refusing and I stated I will not answer any questions form you. She says so your refusing information now?? that was very unprofessional I said to myself. I than just became silent so she placed me on hold and said ill get a supervisor I waited maybe 4 minutes on hold and she hung up in my face I called back within seconds and than Experian is closed that was so rude. Is this what Experian train their representatives to be like. I 've been very stressed it should n't be this hard taken off an account that clearly the creditor stated they can not provide documentation to me or my detective because they do n't have it the account was opened online they say. They just have my name and social Clearly I 'm a victim of identity theft that information has been compromised. I do n't know what tricks Experian is playing but how can they remove an auto loan that was XXXX dollars but cant take off a XXXX account that is XXXX dollars with the same supported documentation. Something is not right I feel they are trying to work together this has to stop.! the creditor admitted its not me and so have my police report that 's heavily documented.

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 2015-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I just recently noticed a charge on my bank account from XXXX for {$29.00}, and also from Experian ( XXXX ) for {$24.00}. I called my bank was given a phone number to XXXX XXXX and to Experian XXXX. I first called XXXX and they could not find anything on their system with my name, address, phone number, last XXXX digits of my debit card or e-mail. I was advised by " XXXX '' to go to my bank and file a dispute report. I went to my bank and then also notice the charge from Experian, so I filed a report against both agencies they destroyed my debit card and I was issued another one. I have been charged {$29.00} and {$24.00} since XXXX 2014. I then called Experian but again just like XXXX they too could not find anything not even with my social security number. I was asked for the debit card number to be able to pull up the account. I called my bank obtained the number called Experian and that debit card number is tied into a person by the name of " XXXX XXXX ''. I was then advised to go to my bank I informed them I already have but my bank will reimburse me for the last 2 months only. I was told by XXXX from Experian that they could not refund any amount. I told XXXX that their company is supposed to protect us from people like " XXXX XXXX '' and from companies like " Experian ''. I recalled enrolling to a travel agency company around that time giving my debit card number being charged {$1.00} for the first month and would need to cancel account so that I would not be charge on a monthly basis. I knew that I had enrolled with this travel agency so I cancelled my subscription but with these XXXX credit agencies I was initially charged the {$1.00} and they continued charging my account because I never cancelled my subscription. I never cancelled because I did n't know that I was enrolled with these agencies I never received any correspondence, e-mails or phone calls, and I would n't have received anything from them because they had none of my personal information other than my debit card number which I still do n't know how they obtained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was originally with XXXX Bank XXXX in XXXX NJ. XXXX Bank took over XXXX Bank in XXXX 2015. From XXXX to XXXX my statement reflected no payment coming off of principal. It changed from the XXXX Statement. In XXXX 2015 my mortgage was sold to Statebridge LLC. I have since made XXXX payments to them and they are no applying them and claiming I am delinquent because first they state they did not receive my XXXX payment from XXXX Bank and now they are claiming that I have a XXXX loan and have to pay the accrued interest. They will not return my phone calls that I leave and I have left XXXX messages with XXXX Bank and they will not return my calls either. I am trying to refinance my home and Statebridge will not give my new mortgage company a payoff and they have told me they are going to hold it against my credit. Even though I have sent them four months payments and it has not been late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my final time filing a dispute against this agency. My patience is thin and I have had it. For some reason Experian allowed XXXX other SSN to be attached to my profile. How does that happen? They removed some of it but not all of it because I believe that some of the information is tied to my credit report and they will not remove it or certain addresses. I have amended my complaint in XXXX County to include them trying to make me responsible for someone elses debt, them adding addresses on there that do not belong to me, with their refusal to remove them, and their refusal to remove accounts that do not belong to me after disputing them continuously since XXXX of 2016. There has already been a court date set and I am prepared to go after the maximum amount that the law allows if this accounts and addresses are not removed off of my account immediately. Experian has shown that they can not be trusted when it comes to reporting accurate information. I have detailed every single person that I have spoken with, certified letters, and I am very serious with this moving onward.

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 2015-10-14
Company: Hood & Stacy, P.A.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been receiving threatening mail correspondence from Hood & Stacy attorneys at law regarding an alleged debt - account that was opened back in 2004. This account was disputed to the financial institution due to identity theft. Now, this office is attempting to collect the amount of {$8000.00} for charges that I am not liable for. I asked them for verification of the debt, and they sent me a contract agreement containing a forged signature, which by all means is not my real signature. They also provided me with an address that I did not have at the time I supposedly opened this account. I also ask them to provide me with details of how the amount was calculated since I was curious, and they failed to do so. Now, I am receiving harassing correspondence from this office, and I would like for them to stop any collection activity since I am not liable for any portion of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2015, I filed a dispute with Experian credit reporting agency by U.S mail. It 's been sixteen days and I have not gotten any notice from them that they have open an investigation on the dispute items on my credit report. When I tried to file a dispute, from their web site I get a message you are block from getting a copy of your report and not allowed to file a dispute from our web site. This has been a continue problem when I try to get my credit report for over a year. I would greatly appreciate it very much if someone from your agency open an investigation into the conduct of this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2015. I opened a dispute with Experian due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Experian is legally required to conduct a " reasonable investigation '' of this matter. XXXX days later on XXXX/XXXX/2015 Experian " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Experian did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Experian to conduct a reasonable investigation, I demand that the report be removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had taken out a payday loan of {$5000.00} on XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX Emergency Relief Program for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called Northwood Asset Management Company. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Since XX/XX/XXXX I 've sent disputes to Experian informing them of inaccurate personal information on my credit report. I 've included copies of my documents as required. There are XXXX inaccurate personal information that needs to be removed from my report ; that 's XXXX inaccurate names and XXXX inaccurate addresses. See enclosed copies of my documents : Passport, social, utility bill and previous copy of dispute mailed to Experian on XX/XX/XXXX They were in receipt of my last dispute over XXXX days ago and nothing was processed!

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 2015-08-06
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i was never on this account or responsible for such-please remove from my file CRA refusesAccount nameXXXX XXXX XXXX MI XXXX*XXXX*XXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balanceNot reportedStatusTransferred, closed. 

Date openedXX/XX/XXXX/2007 Details Not mine or No knowledge of account Additional information not mine i am was never on this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX And Expirian  they reporting XXXX credit inquires on my credit file i only apply one time to XXXX on  XX/XX/XXXX, 2015 since then i never apply for anything.
i contact XXXX credit bureau's  in writing on the phone and fax they told me to contact the original creditor which i did but they never responded to my letters or phone calls they always telling me they will look into it after trying everything that i can but no one want to help me those inquires belong to someone with the same name or mix into my file please try to help me with 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 2016-09-13
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraud was committed in my name and the credit bureau refuse to block or remove the fraudulent account from my credit file base on FCRA 605B

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