BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Sensible Auto Lending, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On my contact it states that I paid credit for my down payment and thats not true, its was a cash transaction of {$1500.00} made to the dealer. This happened on XX/XX/2021. When I signed I was aware that it said credit because the dealership stated to me that it was a put down a cash transaction. After looking over my whole contract everything is fraudulent. I would like the lender to be contact to resolve this issue. I still have the receipt of the transaction made for that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Experian Information Solutions 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:
I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Experian reported to the credit bureaus XXXXte/non payment , which is a violation of the U.S. code . 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the EXPERIAN CREDIT REPORT. Im commanding it to be removed asap. 
Experian applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.

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 2021-06-14
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted credit acceptance last month before my payment was due and explained that I needed to see if I could forward my payment to the end of the payments due to me not receiving my check last month. They told me I could instead pay them {$30.00} fee and they will extend out the payment over next three months after they told me they can not let that payment go to the end. I am in a forbearance with my mortgage already due to COVID and I explained that too them I paid the XXXX dollars and this month I have yet to receive last months due check and now have not received this months check as I have tried to correct this error I had to call credit acceptance again and explain that for the second time now Im last year and a half I have not received my check that I needed an extension or something. They told me not available and that my name and number will be put on the call list. Every day except Sundays for the last two weeks they call with an automatic system four and five times a day leave one message and keep on calling. I asked them to put a check on that since its a bit repetitive and they said they can not control who and when the machine calls out on debts owed. I said well that is a problem and illegal that once a week is more like a reasonable calling pattern. It still goes on four and five times a day. I have a call log on my phone showing times and lengths of messages. Its a bit to much. First you dont want to help out then when I do need a bit of peace and quite I get hounded by a machine calling me several times a day. I am done. I will pay as soon as my check clears my bank and I have actual funds to pay with instead of writing a bad check that cost me even more. As I am writing this they are even calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: GA
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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:
Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!

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 2018-03-09
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CO
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:
Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are XXXX XXXX XXXX and American Medical Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the 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 2017-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I hit a financial low in XXXX 2016. This card was active and paid on time, but USAA closed the card due to my having a charged off loan with them, even though this account was in good standing. I am having trouble maintaining the payments. I was recently offered to have a late fee removed, but that was it. I have explained my hardship, but no representative offered any solution to help me be able to adequately repay my 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 2017-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017 a Cease and Desist was faxed to Portfolio Recovery Associates at their corporate office. They did receive it and within a 10 day period started calling and stating they did not receive it, This was not the truth. One Saturday around XXXX PM I received a call from a lady reading from script about attempt to collect a debt I told her your under a Cease and Desist. She hung up I decided to call back and make an arrangement to clear the debt and show good faith I spoke to a gentleman named XXXX and settled to accounts. I did XXXX posted dated ACH debits for XX/XX/XXXX and XX/XX/XXXX for XXXX. I did XXXX for XX/XX/XXXX and XXXX The XX/XX/XXXX has paid just waiting on XX/XX/XXXX to clear bank. I made it very clear to XXXX that this will not be reported to any credit reporting agency he assurd me we had until XX/XX/2017 to pay this with no negative reporting Toady I was informed by XXXX they reported it XX/XX/XXXX and my score dropped XXXX points. This is deceptive trade practices. I noticed this company has several complaints and lawsuits pending I need your help to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had called Capital One and stated I was a victim of identity theft. I even p provided a police report showing that I had reported this to the police. 
There were three accounts using my name. Capital One said they found one of the accounts to be fraudulent but were not going to resolve the other two and that they would remain in my name. They also told me that the one account they were calling fraudulent would be removed from my credit but it still remains there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Rosebud Economic Development Corporation
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
they called this an installment loan, but it truly is a payday loan. 
It started with my back wallet, and they said they had to transfer my account to my quick wallet and the mess seems to never end. I was a bit despirate when I took out the loan but did n't realize the XXXX I would end up in. the loan was XXXX. So far since XXXX I have paid XXXX and they have only taken {$30.00} towards principle. I sent them a notice that they are no longer authorized to take monies from my checking account, but I will be closing my checking account this weekend. They said they will settle for an additional XXXX in three payments, and I said no. I feel like I am trapped but they already have gotten 272.5 % of what I borrowed back since XXXX/XXXX/16. I felt I had no choice but to persue a complaint to stop this. I just do n't know who can help and they refuse to give me an address to send a certified letter. Also this was done on line and I have no access to the paperwork either, I asked them to mail a copy to me and they refuse.

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 2021-12-12
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmuehle accepted a loan modification and I paid XXXX trial payments to Dovenmuehle. During the process they transferred it to XXXX XXXX  and Dovenmeuhle claims there was no loan modification agreement. These conversations took place by email, letter and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: JPMORGAN CHASE & CO.
State: OR
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:
On XX/XX/2021, a car repair company charged me for an estimate without advance notice, which is a violation of ORS 646A.482. 

I disputed this charge with Chase and explicitly cited the statute that shows the charge is illegal. 

After dragging it out for months, Chase upheld the charge without even addressing the reason for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have contacted Transition and XXXX. I asked them repeatedly to validate the debt by providing the third party who supplied the information concerning my state tax lien. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am confident that their entity did not investigate the matter with any court because I have visited the courts in my county and not one has any evidence anyone has appeared in person and requested my information. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. I can not close on my house because of the information they keep reporting. I supplied information as they requested. However, they refuse to supply information I am requesting.

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 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have sent Transunion a request to delete inquiries that are on my credit report and provide verification that this was me pulling my report. I spoke with XXXX and XXXX and neither one of these ladies helped me with the issue that I was having. I have already contacted the people who was pulling my credit report and sent them letters to verify that this was me giving them permission to pull my report. No one has responded back and provided the information that was requested. I have called and called and tried to file a dispute on these inquiries and they keep telling me I have to contact the company. Section 611 ( 5 ) ( A ) of the FCRA is that they are required to verify my claims and or delete all information that is not or can not be verified. I have waited and waited for the outcome and have not received anything since. The pulls that are in question are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2021-12-12
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I received an offer in the mail for the Milestone credit card. The literature did not mention that there was an annual fee of {$170.00} and that this fee would be deducted from the credit limit. 

I was approved with a {$700.00} credit limit minus {$170.00}. I was not aware of this fee until XX/XX/XXXX when I tried using the card at a store and the transaction was declined. As of XX/XX/XXXX, I have a balance of {$660.00} and a transaction for {$32.00} would not process for some odd reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

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 2017-04-17
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 contacted Experian as there are numerous accounts listed on my credit report that are obsolete. I know that I do not have to explain that after a certain amount of years I am within my right to request for old accounts to be removed from my credit file. I have asked Experian to remove all the outdated accounts and they have refused.

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 2019-12-16
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to close my deceased wife 's Apple Card with Goldman Sachs and they won't let me close it or provide me with any information where I can send a copy of the death certificate. They want me to search my wife 's phone to find information about her card. I am unable to do that. Previously, shortly after my wife 's death on XXXX/XXXX/2019, I called to report her death. I called again on XXXX/XXXX/2019 and offered to give Goldman Sachs any information to identify that I am authorized to close this account, including my wife 's name, social security number, address and the account number and they refuse to give me an address to send this information to them. Unfortunately, there is no paper record to help identify this card. 
Because of their refusal to cooperate with me, the card remains open, the charges continue ( because some charges were on auto ) and interest continues to accrue. I also can not close her estate or get a final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I planned a trip with my XXXX to XXXX. I have had past issues with ATM machines within casinos, and unfortunately, I did n't have any cash for the trip. I decided to use on of the ATMs to take out cash. And I was alerted to proceed to the teller with my receipt in hand. I made a total of XXXX withdrawals. When I checked my statement on my way back to California, it seemed that I was double charged for each attempt of cash withdrawal. My heart sunk because the total was XXXX. I was terrified that this much money was even capable of being withdrawn in ONE day. Is n't there a limit of withdrawals? Or of the amount. I was petrified. I called BOFA who was kind enough to reverse the charges while I held on to my receipts just in case they were to be needed. I received a message from BOFA stating that the claim was denied and that all charges would be reversed on XX/XX/XXXX.

Company response to consumer: Closed with explanation