BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was told I was getting the car for XXXX or so but the paperwork that was sent to me by credit acceptance was way over XXXX or so .. and they will not work with me on my payments they will not refinance to help me get my payment monthly down.. they have called after I was late on one of my payments saying they would come repo my car... I have told them that there is over 5 recalls on this car and I have been waiting for over 4 months to get the parts so the XXXX people can fix it .. and two of the recalls are on my airbags they are nonfiction at this time and that my traction and stabilization unit is not right so therefore whenever it rains the car tends to want to slide to one side or another and it tries to pull to one side or the other .. very dangerous.. they still said they couldn't help me or let me try to get another car that does not have dangerous recalls on it..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The alleged accounts that have been furnished on my consumer credit file without permissible purpose of authorization from a judge. Remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX and XXXX XXXX. They are not reporting on my XXXX report which means that my credit file is not 100 % accurate Pursuant to the Fair Credit Reporting Act ( FCRA ) I will Attach the XXXX XXXX XXXX File with the above referenced accounts not listed on the XXXX XXXX file. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over the past two months Wells Fargo has begun placing holds on checks I've been depositing despite the fact it has been many years, if ever, since I had a deposited item returned. I believe this practice is intended to generate overdraft fee income for Wells Fargo and not for any valid business reason. I have had this account with Wells Fargo for at least 32 years and believe this to be both a violation of Regulation CC and the reality of the speed with which checks clear since the implementation of Check XXXX. Having spent 27 years in the XXXX XXXX industry and as a XXXX XXXX who primarily sues financial institutions I can unequivocally state there is no business reason for suddenly beginning this practice. I am asking that the CFPB both investigate this matter and assess penalties against Wells Fargo for engaging in a practice that can have no benefit to anyone except Wells Fargo and then only to artificially generate fee income, something Wells Fargo has been doing ever since it's acquisition by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To begin, I received multiple offers from TD Bank credit card services this year. XX/XX/XXXX of this year I finally gave in, and decided to see what TD had to offer me. The pre-approval code and notice received stated this would not impact my credit score. When going through the process it then indicated should I proceed it would impact my score. At that point, I ceased from continuing with the TD online process. However, I received a letter from TD Bank thanking me for my interest, and requesting that my application has not been completed. Furthermore, the letter states that there is more information needed in order to complete the application and make a decision. Concerned, I called on XX/XX/XXXX, and spoke to a courteous TD Bank representative XXXX approximately noon. I raised my concern that TD Bank did in fact impact my score, and report to the uncompleted process to the credit bureaus creating a hard inquiry. Unfortunately XXXX did not have the power to remove it from the bureaus. Needless to say however a point worth mentioning I take my credit & scores very seriously. I want this TD Bank inquiry removed immediately. My faith in the CFPB 's effectiveness when dealing with creditors, and legal professionals over the years sadly has waned. Which is why I will be also filing a complaint with FCRA. Without a doubt I am livid with the way the three major credit bureaus works more for the banks and merchants then they do with the actual consumers. I hope the CFPB will take this as seriously as I do although I no longer rely solely on the CFPB for proactive intermediary assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: FISERV INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened an account with money network.I sell mattresses with XXXX XXXX in Nevada, temper-sealy payes spiffs. I had XXXX in XXXX of XXXX. I checked in on my account and money network said they closed it because they needed more information.they said that I was informed through the mail.I never received a letter.then I was told they sent a check for the account. A couple of months later I called saying I never received check.I was told they would issue a new check, they sent me a email showing date of issue and check number.again I have never received the check. I've called at least twenty timesXXXX number is a XXXX call center.they put me on hold for a long time without picking up.when I do get through they tell me nothing about what is going on. One supervisor was honest and told me funds are still on hold, she said your not the only one.when I email them email comes back mailbox full. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
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. 

XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from HYUNDAI. Spoke with a Representative on XXXX XXXX, she also was not clear on amount owed. I have attached the Copy B receipt which reflects all balance taken care of and there is nothing owed for this account. 

HYUNDAI FINANCE needs to make the proper changes to reflect all collections are complete and update my credit file as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX I made one {$500.00} credit card load transaction to my American Express Serve account. On XXXX I saw that two {$500.00} charges from American Express Serve were charged to my credit card account. I called Serve and explained this to the customer rep but he said that only one {$500.00} transaction was done to my Serve account and to dispute the second charge with my credit card company. I did just that and received {$500.00} back to my credit card on XXXX. On XXXX Serve did a credit card load reversal on my American Express Serve account balance essentially taking {$500.00} from my Serve account. I called Serve and they told me that it was because my credit card company reversed the {$500.00} charge from XXXX. I again explained that Serve had charged my credit card twice for the same transaction. The customer rep stated that there was nothing else they could do. They were unwilling to escalate the matter. I contacted the dispute specialist who handled the credit card dispute for the credit card company and she said that they were not supposed to do that but were supposed to deal with the credit card company. She started the second claim on the second {$500.00} charge on XXXX since the original charge was " XXXX  out ''. Unfortunately I have been unable to get a resolution from my credit card company. They seem to be confused thinking the matter was settled when they gave me the first {$500.00} credit back to my credit card and closed the dispute in my favor. I am currently getting the runaround from my credit card company on trying to recoup my other {$500.00} that American Express Serve charged me. I am still out {$500.00} because American Express Serve wrongfully deducted {$500.00} from my Serve account balance because they didn't want to deal with my credit card company for the double charge they did on XXXX. In XXXX American Express Serve removed the ability to add funds to my Serve account effectively making my Serve account useless. I closed my Serve account on XXXX to avoid any fees because I was unable to do my direct deposit because they removed the add funds feature of my account. These actions are unacceptable and American Express Serve should do the right thing and refund my {$500.00} that they wrongfully took out of my Serve account because they didn't want to deal with the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-05-18
Company: Experian Information Solutions Inc.
State: NY
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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2022-06-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score is reporting incorrectly. 
My score has not changed since XX/XX/XXXX. That is what is being reported currently, a score from XXXX to all my creditors when I apply for new credit. 
Several attempts have been made to settle the issues. BUT all I get are unfulfilled promises. The ball is being dropped here. 
This is a violation of my rights. 

The pictures I shared are from the experian app viewed XX/XX/XXXX Laws being violated - 15 U.S.C. Sec. 1681i, 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ) and 1681i ( a ) ( 1 ) ( C ) 1681i ( ( a ) ( 2 ) ensures promptness in handling my request.

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 2015-06-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I agreed to short sale my home with Nationstar for a set amount, less than what I owed, however, the home sold for more and Nationstar was made whole. At the time Nationstar executed the Purchase contract they agreed to give me {$36000.00} in relocation fees, which they are reneging on. XXXX : XXXX - Short Sale - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX : Nationstar XXXX No : XXXX : XXXX Bank Account No : ****************Re : Relocation Funds for Seller XXXX and XXXX XXXX XXXX find the XXXX XX/XX/XXXX bankruptcy documents. The Discharge and Final Decree from the XXXX Bankruptcy Court, XXXX California XXXX XXXX ) lists XXXX XXXX ( taken over by XXXX Bank XXXX as a creditor, and confirms the debt was discharged. Attached also find the notification from the creditors meeting, confirming the date of recording, and that the court has determined the date of the lien is XX/XX/XXXX. This can be also be confirmed by the title report in your possession, and has been confirmed to us by the Nationstar 's attorney at XXXX Foreclosure Corporation. Also, attached please find the Notice of Motion for Relief of Automatic Stay, Proof of Service of Notice for Motion for Relief of Automatic Stay, and Relief from Stay. In the bankruptcy, only the XXXX lien, which is the mechanics lien, and the XXXX lien, the deed of trust now held by Nationstar, were not discharged. All other debts, including the debt of XXXX XXXX, the lien for which is now held by XXXX Bank, were discharged. The bankruptcy documents clearly show the XXXX XXXX debt as discharged. The bankruptcy documents clearly show that the only XXXX valid liens are the mechanics lien, and the Nationstar deed of trust, and these same documents confirm that the XXXX lien is the mechanics lien, and the XXXX lien is the Nationstar deed of trust. This information is all a matter of public record and is easily available from the XXXX Bankruptcy XXXX, XXXX California XXXX XXXX ). XXXX is not entitled to any funds from the sale of my home they did not exercise their rights within the Bankruptcy court nor did they show up for any of the proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.

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: U.S. BANCORP
State: CO
Product: Credit reporting 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 noticed unauthorized inquires on my credit report that I would like removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Commercial Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
US BANK - Commercial Banks 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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
- Charged by a business on XX/XX/23 to my Capital One Venture card. 
- Business did not provide agreed-upon services by agreed upon date XX/XX/23. 
- Capital One reversed the charge on XX/XX/23 and dispute was started. 
- Captiol One re-charged me on XX/XX/23 in favor of the business. 
- Business is providing the charged receipt in their system as documentation and submitted XXXX sentence that the charge was valid. I've given Capital One multiple emails between me and the business to of me attempting to resolve the charges the business and receive the paid-for services. 
- Capitol One seems unable to provide specific information on what I need to document to win the case. 
- Capitol One has not provided me with proof from the merchant that described services that were rendered. 
- Contacted Capitol One to verify they received the documents I provided and I was requested to provide more documentation while the business has no burden of proof to take my money.

Company response to consumer: Closed with monetary relief