BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX  website ( I also have a complaint there as well ) as well as them having their accreditation stripped from them, I would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt.

Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card.

This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from credit repair agency can be produced if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: AMERICAN EXPRESS COMPANY
State: OR
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 company locked my account for no reason, I paid all balance but reported it as late payment, never been late, and should should show " pays as agreed '', also, i just closed my account because i don't trust them ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: BANK OF THE WEST
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: Account information incorrect

Complaint:
Hi, I went to XXXX Dealership in XXXX, just for a test drive ; I had a thought of buying and I asked to present a financial options ; First, they made us wait for 40 minutes ; They presented the offer ; I said thank you and said that I would come back. The manager came over ( XXXX ) and said that they have a great deal for me. They presented a discount and asked if I have a car to trade in. 

I did have a car to trade in but I didn't think of trading it at that moment. 
I gave out specifications as I remembered them, and they immediately stated that they will give us a high price for the vehicle. They DIDN'T SEE THE VEHICLE! They told me and my wife that they are willing to take a risk and if they lose ( trade-in value was estimated {$6500.00} ) then they will lose {$6500.00}. We told us that we are going to bring the vehicle and trade that in since I didn't remember specifications ( I have several cars, XXXX XXXX & XXXX ). 

I mentioned that I do not remember the vehicle specifications but they promised to take the car for a trade in value NO MATTER WHAT! 

Well, we got into a deal. Everything was great, up until the moment, they sent a girl with us to pick up the car that we were trading in. We already had the papers for the XXXX, we drove the XXXX Home but then got the papers for the trade in the car and that car they promised to take at their own risk no matter what, they Didn't accept the car. 

It results in getting us into a loan which at this point it doesn't exist because they didn't take our trade in the car. It results in tremendous credit score lose ( 54 points/ 3 hard inquiries ). XXXX TOLD me that their dealership is not doing HARD INQUIRES as other dealerships are doing. It was our MAIN CONCERN!  XXXX told us and reassured us multiple times that they ARE DIFFERENT and those inquire are not going to affect my credit score! IT WAS NOT TRUE! He did tell me that that loan won't affect my credit score that tremendously! 

The deal got withdrawn, my credit score fell That is completely unprofessional and completely false information given! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
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 credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: CITIBANK, N.A.
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:
Hello, When I paid my XXXX 's account balance I believed I was paying it in full. Somehow {$2.00} worth of interest reported late. This late payment for {$2.00} of interest that was not shown when I made my payment dropped my credit score over 100 points. I am currently trying to get a new car and this is effecting my interest rate. Can you all please have this removed from my report? 

Account Number : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) 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 2023-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had call Wells Fargo on XX/XX/2022, to notify them of a scam happening in my checking account for them to cancel a transaction of {$980.00} sent to an XXXX XXXX that I did not authorize the person I spoke to at Wells Fargo said not to worry about that transaction because it was being cancelled. A day later I checked my checking account and learned that money was transferred XX/XX/2022, to this XXXX XXXX person. I went into the Wells Fargo branch to discuss what had happened and I learn that when I called to report the scam it was wrongly processed. It was processed as a lost debit which I never reported that I told them a transaction was being made because someone was able to access my checking account to cancel the {$980.00} amount. It was never cancelled even though I reported it in minutes of learning what was happening. Wells Fargo made an investigation after I spoke to management and explain how this person called me and said it was trying to help me get my money back, but it was the other way around he was trying to get everything I had in my checking account and was successful by transferring {$980.00} into his account or some kind of card. After Wells Fargo made an investigation, they decided they couldn't return my money because it showed I authorized it even though call and explain of a scam and I also went into the branch and explain exactly what happened. They said that it had happened to other people and a week later I learn by media that other customers were having the same situation as mine and dealing with Wells Fargo not helping or protecting their costumer.

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 2022-07-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took out a car loan through Wells Fargo Auto on XX/XX/XXXX. The loan was reaffirmed on XXXX XXXX. No payments have ever been missed. The loan is active, and I am a month ahead of the payment schedule. Despite my continual payments, Wells Fargo listed this loan as closed on XXXX. I have tried to work with them for over a year, asking them to report my payments to the three major credit bureaus. They have lied to the credit bureaus, telling them the account is closed. I have all documents, including the reaffirmation agreement Wells Fargo signed and all auto loan bills sent to me and paid by me since 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 2021-01-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am sending in this complaint in hopes you will look into how Loancare is running there business I had put in a complaint before # XXXX which you ended up closing I believe because of lack of backup or proof in my first complaint. The reason I did not for that is first I had to learn how to scan to my computer so I could send you files. I also had to organize the mess Loancare has given to me. Being XXXX years old it is not easy for me to do, but in the long run I did learn to scan and got things somewhat organize. 

As of today I still have the exact same problems I had last XXXX. Late payment when I was never late ( # 2 A ) and an escrow account I never asked ( # 3A pg 1 and # 3 A pg2 ) for which they opened to try and make me pay insurance cost. I have had the same insurance company ( # 10 E ) when Loancare took over my mortgage. 
Both of these things I have given them proof of. 

There are few important thing I have dealt with with this company that makes me think they need to be looked into and are being dishonest. 
One is I am not the only person with problems with Loancare. On XXXX  they have a page which has quite a few complaint. 
Another is they lie. They lied to you when they sent the XX/XX/2020 letter saying I never responded to their request. I am sending you proof that I did response to their request on XX/XX/2020. They also sent the same letter to the XXXX XXXX XXXX  only changed the CFPB to XXXX. There is also the problem of them going back into my payment history record and changing things around. ( 3A pg 2 and 2 3B pg 1 and 2 ) They started saying I had no insurance on the property around the first of XX/XX/2020 and then later XXXX went back and put down I had no insurance the previous year. 

Please look into this companies practices. {$26.00} false late payment can add up to a lot of money when they charge it to a lot of different customers. 

You do not have to work to correct my situation. I feel somewhat confident I will win in any court. I do not want to go that route, but it looks like Loancare is leaving me no other chose. 

there are three recordings that the system would not let me send

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 2023-11-09
Company: Peer Advisors, LLC
State: NE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Competing is the person handling my grandmas reverse mortgage. I had a house fire and I have {$120000.00} because my house was ruined and my grandma h had the reverse mortgage and theyre wanting me to pay off my grandmas reverse mortgage and the house is not worth XXXX or {$86000.00} that theyre trying to make me pay. Theres a 95 % on a reverse mortgage, OK and I would not have any money, but Ive already left. Ill be homeless and left her house because it was House and they refusing to do an appraisal and theyre trying to make me pay it off and fall and thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: U.S. BANCORP
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Reported my husbands death to Fidelity. Their card partner is with US Bank. Fidelity support has been perfect. Met at Fidelity office in XXXX VA XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX that my card was denied. My cards had been cancelled because my late husband was the authorized person and I was just the authorized user. 
We are retired. My husband passed suddenly due to complications from XXXX XXXX XXXX. This widow was in shock. My husband was an accountant. We used and paid our credit card off every month. I was not made aware of the process or what to expect regarding my card. I can not log into the account. I called, submitted the Will showing I am executor, I am responsible for the bill and will pay it off! I need a YTD summary of the card for tax purposes. They told me to pull off the internet a small estate affidavit. I went back to the branch and followed these instructions. Told I would hear back within 48 hours NO communication. On XXXX I reached out via Social media and had a conversation with them via cell. An official complaint was filed and again, someone would call me back. Have not heard anything until Yesterday, XXXX I received a letter in the mail stating that I owed {$16000.00}. This is about {$2000.00} more than the call center rep said my balance was just two weeks prior. And my card was closed so how are there additional Charges? 
Note : the card is issued by XXXX, I believe its a division of XXXX Bank. 
As a grieving widow how can this happen to a premier XXXX Bank XXXX? 
I want to pay the bill~ without late fees and I want to see what I am paying off with an itemized current bill. I also need the YTD account summary of charges for tax purposes and I need to understand WHY this happened? 
Why NO-ONE has helped me or provided an explanation. I have spoken with XXXX people and more than half of them say, yes we know this is a problem WITHIN their organization! 
It did not need to get to this point!! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Continental Finance Company, LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

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 2021-01-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX year premier customer, XXXX credit score, my husband passed unexpectedly. As a grieving widow I am shattered and very disappointed in the handling of my account. We have a joint checking account and use the same login to pay bills. I was told by the XXXXXXXX XXXX office, XXXX that, everything will remain the same with my checking account. It did not. I have auto pay for most bills. This was wiped clean when his account was closed. Why was it not transferred or made available to me? I brought in all Will/trust/Executor information. I had XXXX in person meetings the past XXXX weeks and, spoke with XXXX people on XXXX. XXXX XXXX XXXX XXXX opened claim : XXXX Do not tell me how much you value my business and feedback and then tell me it will take XXXX  days to look into this. I was not told that you can move the bill pay data to my new login. This is what I need Now! I need to pay my bills. 
Why can u not assist a widow at the most vulnerable time in her life? I thought BOA was better than this. I was wrong. 
XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2019-02-10
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX for my credit card account, offering me 0 % interest and 0 % transfer fee for any purchase using the promotional checks sent to me in the offer packet. 
On XX/XX/XXXX, I used a promotional check written for a total of {$6200.00}. 
Since then, I have contacted XXXX numerous times via their messaging application on my account to ask why I am being charged two interest charges each month on my statement. 
One entry shows interest on purchases, and the second entry shows interest on cash advances. The cash advance interest is always {$10.00}. 
The promotion check I used did not specify that it would be categorized as a cash advance. 
In my XXXX message to XXXX, I explained that I need a comprehensive explanation for the fees, and that I am considering filing a complaint with CFPB. 
I received a call on Sunday morning, XXXX, from XXXX, saying they had made a mistake in printing the promotional checks and that I would be refunded the {$3.00} transfer fee, but no interest would be refunded to me. 
I used the promotional check because the offer stated that I would have 0 % interest for 12 months. 
Since then, I have paid off the balance of both the promotional check and the purchases, but I am unhappy that the promotional check was charged interest as a cash advance when the offer stated the promotional checks would would be interest free for one year. 
XXXX claims they have corrected their error by refunding to me the {$3.00} transfer fee. 
I would like all the interest I paid on the promotional check/ '' cash advance '' refunded to me, which totals {$250.00}, or {$10.00} for 24 months.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XXXX of 2023 my credit was pulled by XXXX XXXX XXXX. It was not authorized by me. I have a mortgage and I believe my information has been stolen and they maybe trying to steal my house. I already have a mortgage and haven't applied for a new one nor a refinance through any mortgage company.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 explanation