BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: American Credit Acceptance, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX sold me a XXXX low mile car for XXXX for 72 months with American credit acceptance as my lender. They didnt explain anything to me at all for example my 26.66 % apr. I happened to be an out of state buyer from New York. They didnt help with getting it registered like they do for all there customers. I believe since I was an out of state buyer I had to do it on my own which made it tough after my temp tags expired. Because I was a first time car buyer I was extremely taken advantage of. They put me in this vehicle when I didnt have the right insurance to align with the state dmv registration procedures. Then when I called for them to help change my request away from my home state they couldnt get me florida registration. This process has been so bad for me after 60 days its been constant paranoia and stress that I was going to lose the car from law enforcement ( as I was constantly being pulled over ) or repossession but On XX/XX/XXXX it was reposed from me for nonpayment. I paid close to XXXX to get it back and when it was return I had a check engine light on and it wasnt running as smooth. Even took it to XXXX for a service they charged me XXXX for the check engine light and brakes even under the XXXX warranty coverage. Just 5 months in and the check engine still appeared on the dash. After a tough first 13 months with the car they had it repoed again for non payment. And the car was still unregistered and put me in so much issues with Florida law enforcement. Another thing they didnt tell me is that I would have to pay the old state I was living in taxes to just to register it and that cost close to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Spring Oaks Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 7 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MD
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 have attached my social, ID and utility bill which I have not included here. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Aggravated Identity Theft pursuant to 18 U.S.C 1028A 15 US 1681 Fair Credit Reporting Act Pursuant 35 4.5. Code 1681c-2 Block of information resulting from identity theft.

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 2023-02-28
Company: EQUIFAX, INC.
State: MD
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:
During separation, the XXXX XXXX XXXX that I co-signed for was left in my possession XXXX XXXX My Husband ( XXXX XXXX XXXX filed for XXXX XXXX XXXX that listed the XXXX during our divorce- XX/XX/XXXX Total Loss date of XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX pymt of {$16000.00} to XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was approved XXXX  XXXX XXXX balance that can not be pd off is {$8200.00} - XX/XX/XXXX Divorce finalized - XX/XX/XXXX Contacted XXXX XXXX XXXX XXXX to dispute `XXXX open '' status & pay $ XXXX balance which I was informed Im not allowed to- XX/XX/XXXX Contacted CFPB to file a complaint - XX/XX/XXXX CFPB closed case with no resolution - XX/XX/XXXX XXXX XXXX  reported to credit Agencies a new balance of {$22.00}, XXXX - XX/XX/XXXX Submitted XXXX XXXXXXXX Credit Dispute - XX/XX/XXXX XXXX XXXX says no new information was reported to Credit Bureaus ; however every time I dispute that update report with that new date - XX/XX/XXXX XXXX XXXX says the account is just reflecting the last information that was received prior to XXXX and no payment can be made or no new information is being reported to Credit Bureaus ; however XXXX the credit report copy, I attached shows the last payment received is the date my husband submitted his XXXX that wasn't even approved yet. Furthermore, since I continuously called XXXX XXXX and filed disputes through my credit agencies, XXXX XXXX has now reported that my balance owed is {$22.00}, XXXX as of XX/XX/XXXX, and that I am 60 days past due since XX/XX/XXXX. I do not understand how this information is accurate and being reflected or reported correctly. I am in the process of buying a house and because of this one inaccurate update that plummeted my credit score, I am now ineligible for VA Loan. I've been working tirelessly to repair my credit after my divorce and this ongoing issue is incredibly difficult being a XXXX XXXX XXXXXXXX veteran I am very limited in what I can do to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
in XXXX a company by the name of XXXX XXXX appeared on my report. After reviewing the report it was found that I had no knowledge of this company. When reaching out to the company in XXXX, they removed the error from my report, however I am seeking remedy from the bureaus as they did not verify this information for accuracy which is a violation of the FDCPA and the FCRA and caused defamation of character by stating I had a rental debt and I did not. This caused me to be denied to rent places.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-08
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I had taken a Home Loan from XXXX XXXX XXXX  back in XX/XX/XXXX and the service partner in XXXX were XXXX XXXX anXXXX XXXX XXXX is XXXX is Roundpoint Mortgage Servicing Corporation. 

I had purchased the house with 5 % down payment in XX/XX/XXXX and PMI was applied to my loan account, as the down payment was below 20 % There was a substantial increase in the market value of housing property in year XXXX and I contacted XXXX XXXX in XX/XX/XXXX, to remove the PMI as the Loan to Current Market Value is much above than the required percentage, however, they rejected my claim I contacted Roundpoint Mortgage Servicing again in XX/XX/XXXX and I was told that, my case is good for removal of PMI. On further inquiry with them, I was told that, an order to XXXX  was ordered and they will revert to me for appraisal of my property. I did not get any call from them for a week from then and I got back to roundpoint again, to check about it. 

They told me that, the order to the XXXX was issued by mistake and I am not eligible for removal of PMI unless the required ratio of XXXX was brought by pay back or substantial improvement. 

I am not sure, why these servicing companies have rejected my claim all the time. I don't remember any condition, restricting the removal, if the current market value is on or above the ratio of XXXX. I believe that, my current market value is much higher than required ratio and the PMI shall be removed. In fact, I shall be paid back the PMI paid for Year XXXX as then market value of property also were well above the required mark by these companies. 

I am contactable in XXXX XXXX XXXX, in case you need any further information. The contact number of roundpoint mortgage servicing is XXXX XXXX XXXX. The Mortgage / Loan Account number is XXXX. 

The application filed with the roundpoint corporation have been attached herewith as well as rejection letter sent by the XXXX XXXX in XXXX XXXX Please let me know, if I need to do anything further to take this matter ahead Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Shellpoint Partners, LLC
State: CA
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 received a letter from Shellpoint mortgages services dated XX/XX/2023 that said to opt out on a loan that I never authorized to apply for or gave permission to run inquiry on my credit report. I found an inquiry on XXXX credit report that I never authorized. The letter I received had an actual loan number in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit acceptance finance company repossessed my vehicle for unpaid balance. I informed them that I paid the balance by using the coupon method and sending copies of a 1099a form along with other documents to the IRS and to credit acceptance to discharge the debt. Repossessing somebody vehicle is against the law and it goes against the fdcpa and 15 usc1692f unfair 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
My biggest issue is they closed my checking account of 25 years messing up my bank credit..! And there business practices and illegals mortgage foreclosed on my properties.. and I want retribution for the illegal foreclosure

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 2023-02-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Card service has continued to harass me by continuing to call from several different phone numbers and various state locations at all times of day and at least seven times in a week. 

The credit card debit is over XXXX XXXX XXXX and I had submitted a XXXX XXXX XXXX complaint a few years ago and all communication was ceased for two years. I recently had my information compromised as a result of the XXXX security hack and I am worried this is a scam attempted. 

The account in question was already charged off and was on my credit report from XXXX. 

Thank you for your assistances in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

Account name : XXXXXXXX XXXX  XXXX Date : XX/XX/2021 has violated my rights. 
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 explanation
Consumer complaint received 2023-02-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
XX/XX/XXXX, I XXXX XXXX XXXX open a XXXX-credit card with Navy Federal Credit Union . Fast forward to XX/XX/XXXX I was dealing with hardship, so I reached out to Navy Federal Credit Union, and they decided to give me 2 months payment free to catch up on my payments. In the two months I lost my credit card, and I didn't know due to me not using it because it was maxed out. Two months later I go online to naveyfed.com to start making payments again but my account was locked. I called them to let them ask why my account is locked, they stated that I spent {$24000.00} over my spending limit. I stated to them How is that possible!!! 
1. My account was locked due to hardship and maxed to spending limit. 
2. how did you guys allow the thief to spend {$24000.00} over my limit 3. Why didn't the fraud department catch the transaction while they were taking place?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I moved from XXXX XXXX XXXX XXXX XXXX XXXX ) about a year ago. I was notified that the offer of a free safe deposit box since I am a Veteran is being canceled. I really don't mind because I haven't ever used it. On XX/XX/2023 I was charged {$55.00} for the safety deposit box claiming that I set up automatic payments for it? I never did, it was provided as a " gift ''. I've tried to resolve this, offering to bring the key to a local branch due to distance issues, willing to sign a notarized statement removing liability or accountability for the contents in the box which there isn't anything in the box. The efforts to resolve have been met with unwillingness. I understand that this branch may want to save monies and change or remove their offer. I don't understand in our digital remote age that we can't resolve this equitably, not let 's make it as difficult as possible, forcing me to drive half a day to close a box that they no longer want to provide. This recanting of one of their offers when I joined their bank isn't the problem, I'm trying to comply with them but my situation prohibits being in person to relinquish a safety deposit box that I've never used and have nothing in the safety deposit box. So they are charging a fee that I didn't authorize and refusing any common sense to resolve, possibly to continue to charge for a box I don't need or use. I shouldn't be treated like this when trying to resolve while being charged in addition.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: DISCOVER BANK
State: PA
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:
My discover credit card I had for a couple years now. However that account has always been in good standing and the late payment is really affecting my score major it has been there since years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: CA
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:
This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-17
Company: CAINE & WEINER COMPANY, 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:
The following account was a charge off/collections it yet continues to display multiple inaccurates listed on all three credit XXXX XXXX XXXX XXXX XXXX inaccurate, closed account reporting open, incorrect opening date, date of last payment, or date of first delinquency, incorrect account type after reaching out to credit reporting agencies, and reaching out to the creditor itself to get a validation of debt, which two seems to be displayed as an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
My car that was financed through Ally Financial was totaled in XXXX, 2021. My insurance company XXXX XXXX XXXX paid off the balance on XXXX/XXXX/2021 ( XXXX ) After Ally was paid, as noted on the XXXX XXXX report, they reported to the credit reporting agencies that they had repossessed the car. My credit score dropped severly and I have been denied credit several 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: NCB Management Services Inc.
State: CA
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:
According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.

Company response to consumer: Closed with explanation