BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Around XXXX XXXX, XXXX i purchased a XXXX XXXX XXXX for the advertised price of roughly XXXX XXXX. i was told That Credit acceptance can not authorize me to purchase a vehicle higher than that price, and that after 1 years of on-time payments i can refinance and purchase a different car. When i contacted Credit Acceptance to refinance, they told me there is nothing they can do. Due to Credit Acceptance High interest Rate ( I currently Pay 23.99 % APR ) No one will refinance at {$16000.00} loan for a car that is only worth roughly {$6000.00}. by time the care is paid off i will have paid over {$30000.00} for a car when credit acceptance and its representing dealer told me they can not finance me for anything over {$14000.00}. I believe that not only my down payment for the vehicle was misrepresented in the final quote, but also that Credit Acceptance knowingly Provided me with false information so that they can illegally charge me an outrages APR. Currently whenever i make a payment i am not given a receipt for the remaining balance and i also noticed that out of my payment of XXXX every month only XXXX of it is applied to the principle value of the car. Credit acceptance needs to be investigated for deceptive practices as well as false advertisement. If an individual can only be approved for {$14000.00} car how do they end up paying over {$30000.00} in the end?.

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 2016-08-12
Company: Medical Business Bureau
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medical Business Bureau ( MBB ) called my wife and asked to collect on a medical debt for the amount of XXXX. The agents name was XXXX XXXX. I had spoken to the billing service that submitted the debt to MBB, and I have on record the actual amount that was submitted to MBB which was XXXX. When I called MBB and asked for XXXX XXXX, I inquired about the total amount that was submitted from the billing office, and he clearly states on record the total amount that was submitted was for XXXX. I contacted FTC and spoke to an associate who confirmed that the act of attempting to collect more than the requested debt submission is illegal. I am filing a claim against this company because of it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Midway Resolution Services LLC
State: PA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I got calls from various collection companies that I owed for a payday loan taken out in XXXX or XXXX. I asked for some type of very action of the validity of this loan. They claimed to have emailed or mailed documentation but I never received any. I recently saw on my credit report that Midwest Recovery Systems put a collection on my credit report. This is not a valid debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have bank statements, back to XX/XX/XXXX, that show that I have paid American Education Services ( XXXX PA ) {$68.00}, XXXX ; yet their on-line statement shows that I have only paid a total of {$30000.00} since XX/XX/XXXX. Additionally, an AES Financial Transaction Statement, that I obtained from them, shows that I paid an additional {$8200.00} between XX/XX/XXXX and XX/XX/XXXX ; although I do n't believe it reflects proper credits. In short, I have proof that I have paid {$76.00}, XXXX to AES, while they show only {$30.00}, XXXX paid ; a difference of {$45000.00}. Moreover, the AES Financial Transaction Statement is replete with erroneous late fees, which should not have occurred after I signed up for automatic payments. 
Finally, I am a XXXX veteran with XXXX and this situation is materially contributing to additional XXXX affecting my overall XXXX health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-10
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
NOTE : In the column 'Which of these best describes your issue? ", The 'legal action ' choice selected does n't apply here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX I contacted this company on XXXX XXXX 2015 to request that they cease deducting monthly payments from a friend XXXX 's checking account. They sent a letter reflecting such. Well, they processed a payment on her account XX/XX/XXXX despite my request ... plus they cashed the check I sent them for {$100.00}. Resulting in an overpayment. They 've made up all sorts of excuses, some of which I have documented as to why they have n't refunded me even though they clearly acknowledge that they owe the money. Even contacted the XXXX. 

Numerous calls have been made to them over the period of 90 days and each time I call, I get a different reason as to why the check was n't mailed out. Even went as far as trying to meet them in person to pick it up ... got the excuse that the check had to be signed off first ... after sitting on XXXX 's desk for two week prior to that. The information on XXXX 's desk not being processed yet part was the previous excuse made. Spoke with a XXXX XXXX ( XXXX? ) both times on that. 

In a nutshell, this company collected more than what was owed on the account and pocketed the check I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised that all Responses can or will be use in a Federal Court. 
1. Dispute all unauthorized accounts. 
2. Asked TransUnion for all the documents they use to determine that all accounts were verified the still refuse. 
3. If they are going to Discredited my name I need physical verification with my wet ink pen Signature. 
4. This is my last are I will be seeking ligation.

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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with transunion and XXXX and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor XXXX I have attached the following proof from the credit bureau who has the correct information reporting

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 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has refused to investigate unverified accounts and addresses on my credit report. I have sent several certified letters asking to validation of accounts along with my ID, SSC and my auto insurance bill. By Transunion being unwilling to properly investigate these alleged debts is really putting my life a halt, and its becoming extremely depressing, and taking a toll on my personal life.

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 2017-02-22
Company: Flagship Financial Group
State: KY
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am the XXXX and was contacted by Flagship XXXX about a vehicle loan that is over due by that XXXX. The company rep, XXXX ( XXXX ), relayed that she was contacting me to find my XXXX in order to avoid " having to go through military legal means ( Provost Marshall ) to effect a repossession on the installation ''. It is my understanding that under the FCPA, that creditors are not allowed to discuss status of loans with employers. They can only contact employers to verify employment and ask for contact information.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-29
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to a debt settlement with XXXX XXXX for an outstanding amount due to AMEX. I was informed that my last payment of {$300.00} did not go through. I did not have a credit card on me at the time to resubmit the payment in. I called back with the credit card information and never heard back from the Company. I figured that took care of it because I never received written notice that there was anything wrong with the payment I called in. I even went onto the AMEX site and it showed the {$300.00} posted. That was why I did not think anything was wrong. I received a letter from a new collection agency, XXXX XXXX XXXX, stating that my debt was transferred over to them for the full amount. I called XXXX XXXX and was told it was no longer in their files and to call AMEX. I went to call AMEX and was told to call the new collection agency for more information. The new collection agency was the one that informed me that the {$300.00} did not go through and now I owe the FULL amount. I was told they could not do anything about it and all they know is that the file is now with them to collect the entire amount. I called AMEX again and was told to call back to the collection agency, XXXX XXXX XXXX, since there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found through XXXX XXXX that there was a collections posted in my name on XX/XX/2016 by Professional Debt Mediation. I was never notified in any form of anything that was sent to collections and therefore was never given the opportunity to dispute. It is also a false claim from an apartment I was renting. I have been out of it for nearly 2 years now, and when I left we were in agreement that everything was taken care of. That is after I had to prove with receipts ( that they should have ) that I fixed the things they were claiming were dirty or damaged with no proof. Now my credit score has been damaged in the middle of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: WELLS FARGO & COMPANY
State: SC
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:
The credit card company sent me an annual fee for my card. I paid it and now they are showing i'm 30 days late paying the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-04-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I would like to speak with anyone who can explain the reason for the time frame set for reporting credit history. It I were to commit XXXX I would not go to jail for 7 to 10 years. We had a financial and medical difficulty between XX/XX/XXXX and XX/XX/XXXX which caused serious problems with our credit. We are in our XXXX now and we will be nearly XXXX years old by the the time these credit issues fall off of our report. Who decided the time frames for reporting this on the credit reports? Our credit was excellent for over 40 years and then we are " tainted '' for many years after " falling from grace '' due to circumstances beyond our control. We were told to get rid of as many credit cards and other open credit to make our report better. 
this resulted in erasing 30 years of excellent credit. We, the consumers, are at a loss as to controlling our own lives when the credit reporting agencies are reporting our every hiccup to home and auto insurance companies, employment possibilities. We do believe that poor credit needs to be reported but certainly not for 7 years or more. This is at least tyranny if not completely unfair. We have no recourse. Credit bureaus rule our lives everyday. I would like to ask if there is someone I could contact to have this chan type of power changed for me and all Americans. 
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 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to 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 non-monetary relief
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-zero balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to XXXX and Equifax by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a zero balance account on XXXX/XXXX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing XXXX XXXX XXXX Kansas XXXX XXXX MO XXXX on XXXX and showing XXXX XXXX XXXX XXXX APT XXXX Kansas XXXX XXXX MO XXXX on Equifax-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by Equifax to resend the info that I 've mailed and faxed previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
After three different disputes that were unanswered I had to stop my Amazon.com credit card account. Since my complaint was regarding Amazon I can assume after many months of ignoring my disputes Amazon.com was being dismissive. They sent me papers asking for more information over and over again even though I had already sent the information in many times.

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 2015-12-18
Company: Global Recovery Solutions
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is from a payday loan from a few years ago that I have not paid. I have been tourchered by them for over a year with threatening emails, telephone calls at work and to XXXX. party individuals that are not even associated with me. I have told them via email and via phone to quit calling me. An example, I have received XXXX phone calls between XXXX and XXXX from them.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
Today I called Paypal XXXX Account ending in XXXX to see what my balance is since I have n't received any communication from them. I found out my account was closed and my balance was transferred on XX/XX/2016 to my PayPal XXXX. My issue is I had set up automatic payments to PayPal XXXX account for minimum payment due on XX/XX/2016. As of XX/XX/2016 to current date, minimum payment due is still being taken out of my checking account for a total of {$310.00}. In addition, I made additional payments to XXXX from another checking account for a total of {$300.00}. Thats a total of {$610.00} which were n't credit to my PayPal XXXX. I have contacted PayPal XXXX and they referred me to PayPal XXXX. I then called PayPal XXXX and they referred me to XXXX. I called XXXX and they told me to call my banks. All in all no one had a record of these payments but my banks. One of my banks asked me to send a stop payment and request a refund for XX/XX/XXXX payment. The other bank which I last paid out of was in XX/XX/XXXX. What I 'd like to know is what do I have to do to recover my money and if you can help me do so? I have documentation from my banks showing dates and amounts of payments made. I 'm at my wits end. Your help in this matter is greatly appreciated. 

Respectfully, 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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$79.00} XXXX  XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX {$590.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX {$43000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My son enrolled at XXXX. XXXX conn. Financial aid applied my sons name to the " student loan " portion of the loan at the cost of approximately 20,000.00 $ Financial department then applied my name, ( mom ) to what they called co- signer on " parent plus '' loan for balance of tuition, at the cost of approximately 38 -? Thousand dollars. Through the course of the next 18 months we had to reapply 3-4 times?? Very confusing. All parent and students had to do this. My son graduated and entire loan in a lump sum is in my name only? XXXX $ a month? My son could not afford that amount on his entry level salary of XXXX an hour. My son just passed away XX/XX/2017. I would like to know what legal options I have?

Company response to consumer: Closed with explanation