BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: M&T BANK CORPORATION
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Issues : taken too much in interest. additional amount not applied to the principal. I have made. XXXX payments above the required amount. I understand it depends on the date for the amount of interest to be taken. in my case most of my payment we made early. I'm now upside down on my loan that I put a big down payment down so I wouldn't get upside down. I was looking to sell this item to pay off the loan and that's when I discovered these issues. The last 5 payments they have taken all for interest. Because of that I have not made a payment and will not until they start applying to the principal. I have run the numbers through a loan calculator and I'm coming up with a much lower payoff amount. I'm not a bad guy I pay my doubts, but I will not be taken advantage of by big corporations.

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 2023-05-04
Company: Shellpoint Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX, the value of my home dropped causing my mortgage to become upside down. I hired attorney, XXXX XXXX XXXX in XXXX to file a XXXX Bankruptcy. The lien for my pool loan was stripped off my home, however after 10 years Shellpoint went to the XXXX XXXX court and it seems reattached the loan on XX/XX/XXXX, despite the loan previously handled by Green Tree being stripped off. I received a notice concerning privacy options from Shellpoint and I wrote on the notice that I did not have any type of loan with Shellpoint. I never asked to validate a loan. Therefore, I do not understand why on XX/XX/XXXX, I received a letter from Shellpoint, stating XXXX XXXX XXXX inquired about the loan # XXXX, and a copy of the lien refiled in XXXX XXXX. Someone at Shellpoint is committing fraud and I would like them held accountable, because yes I did file XXXX  XXXX in XXXX, however XXXX XXXX XXXX is not my attorney and the pool loan # XXXX was not included in the debt, because it had been stripped of my home and was no longer a debt. How is it possible for a debt to be stripped off my property by a judge, then reattached after 10 years without my knowledge? I am not paying attorney XXXX XXXX XXXX, why would he request information on a stripped property loan in my name?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit 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 received a Chase credit card. I set up my online account with my bank account. My daughter and I use the same bank. When I set up my first payment, they attempted to take it out of her account somehow and this caused her several fees. They returned the funds for the payment but would not do anything about the bank fees. I then paid the statement balance. Even though the statement balance was paid, they again, took the money out of her account. ( Double charged the entire statement balance. ) I called them on XX/XX/XXXX when the charge to her account was pending and they assured me it would not go through. On XX/XX/XXXX, it did go through even though I had paid the statement balance. This left her with no money, taking all of the money she had out of her account even though it was already paid and set up to come out of my bank account. When I contacted them, they said it was there mistake and they would refund her the money ( not bank fees ) but it would take XXXX business days. She works a minimum wage job struggling to save money and Chase took it all. They said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: United Built Homes LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
A Insurance claim filed/paid to United built Homes for repairs to my home in 2001 and till this day they are still holding the funds and my home has yet to be repaired.Every contractor has been ran off because they refused to pay them.

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 2023-10-10
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Since US Auto been closed Westlake pops up demanding money. I ask for a contract with their name on it or my original contract and they still havent showed me anything. Im paying {$510.00} a month to them and I have no paperwork. I ask for my refund on my GAP had the truck since XXXX  with XXXX left to pay truck worth only XXXX now Im so done I need to know what can I do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute for the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2023-10-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I believe I was a victim of fraud by Credit Acceptance Corp.

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 2023-05-04
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 is missing that should be on the report

Complaint:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-10-09
Company: Adler Wallach & Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a collections letter ( AWA collections ) and i responded directly to the company ( XXXX XXXX XXXX ) that i do NOT owe this debt ( letter attached ). This is from a franchise business i owned over 5 years ago ( XXXX ), and since all the franchises have gone under, the parent company is trying to scam former franchisees out of money illegally. ( they claim i owe $ XXXX ) I sent a letter to the company ( XX/XX/XXXX) telling them to remove this debt from my credit report immediately, with no response. Im not sure if once the company hands it over to collections, that they can not be involved anymore? 
The company claims i closed the franchise location without telling them, but i have a letter showing that i did put in writing to them that the franchise needed to be closed, as it was not generating revenue to pay salaries etc. I had no choice. ( i even took out personal loans to try and keep the franchise going, but it was in vein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: DISCOVER BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover Lies about consumers and I will post their message below. Discover card opened two credit cards FRAUDULENTLY. This is application fraud. Discover blatantly ignored and disregarded my extended fraud victim statements on my credit files and instead reviewed public sources or so they say. Discover says they verified XXXX verified to me by my credit file but its funny because thats not on my credit file and never has been. Discover did not have my permission to pull these applications nor approve them for these cards. I have submitted a LEGAL identity theft affidavit which shows XXXX, and XXXX XXXX XXXX which Discover advised they sent the card to. They said XXXX called in and submitted a separate complaint which I never have and Im not sure whose phone number that is. Its not on any of my public records or credit files. Discovers inquiries are disputed and blocked from my credit files. Discover did not receive my authorization to open any accounts. I did not sign any applications and I did not respond to any texts. As stated DISCOVER CALLED THIS NUMBER WHO AN IDENTITY THIEF OWNS. Has owned and Discover again falsely accuses me saying they verified the phone number. Yet thats not my phone number and never has been. The email address they provided is not my email address and I did not ever register that email address. I did not accept their terms of conditions and I did not make payments on these accounts either. All payments made were from fraudulent checking and savings accounts which if they actually verified are closed as identity theft. Yet they didnt verify that. I am not responsible for these two credit cards they sent to someone else. I did not apply. I did not approve. They didnt clear my fraud victim statements and I did not receive a card nor statement ever. I want Discover to provide evidence that I APPROVED THE APPLICATIONS. I do not take responsibility and these accounts are fraud. You have legal obligation under the FCRA to conduct an actual investigation instead of just falsely accusing the customer. I do not take the answer of you verified to public sources when none of the information you provided verifies to me. All the information on the applications are and were fraud and I did not make charges to either account nor did I receive either cards again this is identity theft and Discover is responsible. Additionally Discover changed these two accounts to my address I currently reside at just last week without my permission. I do not accept you placing my address on fraudulent accounts and without me asking for such you do not have permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TN
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts has violated my rights : Account : XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent a letter to request these unauthorized inquiries to all three credit bureaus certified mail. They were never removed, I need you to please help me remove these unauthorized credit error inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I called Wells Fargo several times before closing my account to make sure I would receive no penalties and could close my account at {$0.00}. Several months after I thought I closed the account I get an email notification saying my address has been updated. How can my address be updated when I don't have an account with this company? I tried to log in online and investigate but they won't let me log in. It says I'm not enrolled in online banking. So you're changing my billing address without letting me see the account. I want nothing to do with Wells Fargo and want a regulatory complaint that they are still up to the same old bad practices

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 2023-10-12
Company: Skrill USA, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My money was taken out of an ATM belonging to XXXX. They told me I needed to contact my checking company who I use my debit card with which is Skrill. The ATM acted like it dispensed my money and then gave me nothing didn't even open the drawer {$200.00} was lost I've been asking Skrill to file this claim so that XXXX XXXX can initiate an audit but they have yet to respond to me even by email I've asked them to file this and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Item ( The XXXX XXXX x XXXX down jacket ) was purchased on XX/XX/2022 for a total of {$2700.00}. Item was allegedly delivered on XX/XX/2022 and signed off by buyer. this is incorrect because buyer was not in the dwelling to receive the package. Buyer requested proof of signature to verify signee. Buyer reached out to merchant. Merchant did not provide any updates nor alternative solutions, besides " we'll look into it. Buyer unable to receive updates nor responses from merchant decides to escalate situation to creadit card company. Disputes have bene opening and closing without providing evidence nor a written statement providing a detail brief of what was found in investigation. Buyer simply gets email noting. dispute has been in favour of merchant. dispute keeps opening and closing without proof nor reaching out to buyer regarding outcome, nor answering buyer 's questions. Credit card company keeps saying they will investigate, but instead, dispute keeps getting closed and my evidence keeps getting taking down everything they close the dispute. credit card company has proof me reaching out to merchant, trying to receive answers. and merchant does not repond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2023-01-26
Company: NRA Group, LLC
State: DE
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 allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.

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 2023-03-06
Company: CarMax, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I submitted an affidavit of Truth and facts to the finance company along with the cease and desist order for the alleged debt. The account was charged off and i never received a 1099c for the balance that the vehicle was charged off for, which is a violation of Federal and IRS laws and regulations. They did not respond to the affidavit that is attached and they did not comply with the cease and desist order. By law after 30 days an unrebutted affidavit stands as truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: WI
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  via XXXX XXXX  was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXX XXXX  via XXXX XXXX  did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized

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