BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: Coastal Credit, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
in XXXX, buy a car financed by XXXX XXXX XXXX ( dealer ) to Coast credit ( financial ) this dealer is located in the XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, the purchase was a branded XXXX XXXX XXXX car VIN XXXX, when buying the car notices some strange things in the car that in the dealer indicated that they could arrange it in their mechanical workshop, I took it from times because of a problem when iceding a strange noise but I was told that it was something normal in those cars after six months. the engine was damaged by an internal problem the distribution chain jump and dovulas the valves the caul according to the meccanic the car sold it to me so with that problem and that when using it acress the problem call the dealer and did not make responsibility, a car that in six months was useless and I had to spend more than 2 000 in repair the next year the vehicle again presents a fault with in abs lock the crro at a speed ENTERS IN NEUTRO NOT BEING SAFE FOR PASSENGERS, the repairs of the same were made of which in XXXX XXXX had made two large repairs to that car with expenses of more than 3 thousand dollars, it is clear to see that these dealer people are scammers and sell to their customers cars damaged and do not take responsibility. The car presented or accident that stops the condition of returning it and explaining to Coastal credit what had happened they indicated that they did not have to pay the car, because to see that the car was presented again fault decibi enter it since it was not safe for either me or my family or the people who are on the road.

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 2018-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The first item in question is : Name : XXXX/XXXX  XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX According to my Experian credit report this item should have been removed ; however, it's still showing on my credit report. Please remove. 

The next item in question are for ( 2 ) accounts with XXXX. These accounts don't belong to me, please provide proof this account is mine. Also, there are ( 4 ) accounts for XXXX XXXX XXXX, these accounts don't belong to me, please remove. 

In addition, the following accounts don't belong to me, please remove. 

Account Name XXXX XXXX XXXX, XXXX Original Creditor XXXX XXXX-XXXX   Open Date XX/XX/XXXX Balance {$910.00} Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX   XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$550.00} Debt

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 2015-08-27
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Noticed a negative item on our credit report from Money Recovery Nationwide. Sent a dispute letter on XX/XX/2015 and did not hear back from them until XX/XX/2015 regarding the alleged debt, with their own statement and none of the required pertinent information I requested. Spoke to them stating that this debt is not ours and asked them to remove it from our credit report and they unprofessionally declined. I begged and pleaded with them and got nowhere. I asked to get transferred to a supervisor who could assist me and was disconnected. 

We have never received services from the creditor that Money Recovery Nationwide is alleging we received. The small amount of the alleged debt itself is evident enough that this is not our debt. Had this alleged debt been validated, has requested, we would have had no problem paying this diminutive amount. The fact that Money Recovery Nationwide reported negative information to the credit reporting agencies, without XXXX confirming, verifying & making absolute certain the alleged debt indeed belongs to the parties listed, is a violation of the fair credit reporting act. 

We just want this inaccurate information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an invoice for a Capital One Credit card that I never received nor activated. The card was sent out XX/XX/2015 and continues to add late fees onto the activation fee that I never received nor activated. I have wrote letter after letter and the company will not remove or review as I am doing the right thing. This is fraud and it is hurting my credit. I never received the card, I never made purchases which I have proof with the statements they send to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Navy Federal Credit Union made me purchase insurance separately. The finance charge is also supposed to include service to the vehicle but that didnt happen. Navy Federal also failed to inform me of my right to rescind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Universal Acceptance is inaccurately reporting derogatory information on my credit report and failed to respond to validation and accounting request. 
On XX/XX/XXXX, I requested written validation of an alleged debt that Universal Acceptance claim I owe, but to no avail did they validate the date or even respond. I would like to request your help with a problem that I am having with Universal Acceptance. On XXXX/XXXX/2015 I requested a validation of debt from Universal Acceptance after disputing the illegit account with credit bureau and Universal Acceptance refused to remove the inaccurate information. The request was signed received by XXXX XXXX. I have yet to receive a response - their silence is their agreement to the facts. Universal Acceptance failed to provide me with a legal validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. I am demanding that Universal Acceptance delete this account from all credit reporting agencies, because they have not abided by the laws of the Federal Trade Commission. Also, Universal Acceptance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is my last and final demand before I proceed to sue Transunion. They gave me a partial response and told me to give them 60 days to complete their investigation. By law they have to block a fraudulent account if I have provided a police report which I have. I should not have to wait 60 days for them to block the accounts that are fraud. I am a victim of Idenity theft. I have sent letters faxes and online disputes attached were my drivers licesnse utility bills police reports and theft affidatives. They have all this information and still will not block accounts. I made a complaint with Cfpb and transunion lied and stated they have not received anything however the agents claim they have my police report. I am so upset that after waiting 30 days for their investigation to 15 days from my complaint to a whole another 60 days is not right and I am being unfairly treated. I have called Every day since XXXX XXXX trying to get this resolved. I am almost sure they have it in their notes. I have the certified receipt that they received police reports and faxes confirming it went through. So I am asking transunion to block these accounts XXXX, XXXX, XXXX, and XXXX the judgement is also fraud. They are giving me the runaround and prolonging the issue which has caused our family a great deal of emotional distress since they are reporting this fraudulent information on my report its embarrassing. Its wrong how they are treating me. I ca n't help my idenrity was stolen. So for the 13th time i will load my police report so that transunion can block the accounts next I am contacting the BBB and then my local news station as well as the attorney general.

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 2016-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed to XXXX, Transunion and XXXX the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state attorneys generals to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but Transunion and XXXX continue to not delete the item from my credit report.

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a XXXX year old senior citizen. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!

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 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed with Transunion and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Transunion make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Transunion or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have credit monitoring services with several companies to be able to moniter my credit on a daily basis. I received an alert on last week regarding XXXX inquires that had been removed from my report by transunion. One week later Transunion reinserted those inquires and it caused my credit score to drop by XXXX points. I pride myself on maintaining good credit and having an XXXX credit score. I do n't know why Transunion is playing games with my credit report and score. They should not be able to remove and insert items at those items at their will. I would like for you to investigate and remove those items so that I can restore my credit score to what it was, which is XXXX before they played games with my credit report. 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 non-monetary relief
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
transunion has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX. These are closed accounts but has otherwise been paid in full.

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 2015-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit from the Department of Justice. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and both times, they sent a letter back stating the account is correct and will remain on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: DISCOVER BANK
State: NC
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:
Signed up for a 7 day trial for a fitness program called XXXX XXXX on XX/XX/XXXX around XXXX. I did not get training or coaching like advertised, and i did not get access to the training programs and login credentials until XXXX that same night. On XX/XX/XXXX my card was charged {$150.00} for a subscription to the fitness program around and i requested to cancel around XXXX and be refunded. The company refused and discover refused to favor in my side during the dispute. They chose to side with the merchant and not dispute the {$150.00} i was charged during a trial period that i was charged before the 7 day trial ended. I was 6 minutes late? Or really i should have been able to cancel until XXXX without penalty since i did not get access until then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2021-10-01
Company: EQUIFAX, INC.
State: NC
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 am a XXXX year old XXXX XXXX. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have XXXX separate acounts from Collect tech a local collections agency # XXXX # XXXX # XXXX # XXXX have called on several occoasions last date XXXX/XXXX/2015, spoke with XXXX XXXX and a guy names XXXX who both were VERY rude and refused to help me resolve this issue. Since recieveing the bills intially I advised the collection agency that I had primary and XXXX coverage. None of My EOBS or explanation of benefits have ever showed a patient balance. I believe there was a billing error and that was not a result of me not providing or having verifiable insurance. This was during a XXXX and I have no outstanding bills in regards to the XXXX and other monthly visits. I have tried to dispute this information several times and it remains as they only verify the balance and if the debt is in my name. The insurance has been provided to the hospital and I have offered to send to the collection agency. They have refused the documentation. The original debtor XXXX XXXX center ( XXXX ) has verified the information was provided and on file. They are unable to remove the debt as my account is with colletech now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to buy a house ... ... ... .My credit report was pulled, TransUnion showed a debt to XXXX XXXX for {$4700.00} to XXXX ... ... ..I have never had any dealings with XXXX ... ... ..I contacted XXXX to try to resolve this matter ... ... ..This debt was incurred XXXX XXXX, my son XXXX and his wife XXXX XXXX XXXX were living with me at the time ... ... ... .My son and his wife were handling my bills for me, they had access to Social Security Numbet and credit cards ... ... I was declared XXXX in XXXX ... ... ..Started receiving mt disabilty from social security in XXXX XXXX ... ... ... ... ... I knewe that I would never be able to work again, why on earth would I take a management course knowing that I would never be able to work again ... ... On the other hand XXXX XXXX XXXX was trying to get ahead ... ... ... .I contacted XXXX XXXX @ XXXX XXXX. I wass ujnable to get a phone number, address, or email for XXXX ... ... .XXXX could not provide me with a signed contract, the social security number on this account, a voice print ... ... ... ... No proof that this was my debt ... ... ... ... .All they had was my name ... ... ... ... ... I know that I am notk the only XXXX XXXX in the world ... ... ... ... XXXX would provide me with nothing that would prove that this debt was mine ... ... ... ... .I had to pay the money in order to buy my house ... ... ... ... I did find out that XXXX had as a registered Agent XXXX @ XXXX ... ... ... ... XXXX XXXX and XXXX XXXX Offices do not exist ... ... ... ... ... .No one could prove this was mine ... ... ... ... Please helo me. Only XXXX of the XXXX credit reporting agencies showed this debt

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