BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I Leased an   XXXX   XXXX   in   XXXX   and as per  XXXX  tax laws paid the tax upfront for the full term of the lease at the beginning of the lease at the  XXXX  tax rate. Move forward 2.3 years. I moved to   XXXX   XXXX    and informed Infiniti Finance of my move and new address. Within days my monthly payment went up by nearly {$30.00}. When i called them, they said it was sales tax for   XXXX   XXXX   which had to be paid in accordance with   XXXX   XXXX   taxation law for the remainder of the lease, i informed them that i had paid the tax upfront in  XXXX  at the beginning of the lease so why am i paying it again? They were very aggressive in outlining that i HAD to pay more tax in   XXXX   XXXX  . I then went to the   XXXX   XXXX     XXXX   to register the car and met a   XXXX    tax assessor as part of the   XXXX   XXXX   process of registration, i gave him all my details outlining the car was a lease taken out in  XXXX , he then gave me a tax-exempt certificate stating i had already paid tax on the vehicle in full in   XXXX   and that no tax was due in   XXXX   XXXX  . I then called Infiniti Finance and explained what the tax assessor in   XXXX   XXXX   had said but i dont think the lady believed me and again gave me the same response that i HAD to pay the tax in accordance with   XXXX   XXXX   tax law and that the   XXXX   XXXX   tax assessor at the  XXXX  did not know what he is talking about. I then sent a scanned copy of the tax-exempt certificate to Infiniti Finance. No one called me or emailed me. I then noticed when I logged into my account that my payment had been adjusted back to where it was before I moved to   XXXX   XXXX  . When I called Infiniti they said that I did not have to pay tax in   XXXX   XXXX   because it was paid in  XXXX  and that I was exempt as I had said. Infiniti Financial are a huge finance company, my worry is that they do not understand the tax laws between different states in the USA. They charge not knowing the requirements and the consumer unknowingly is paying a tax to Infiniti Finance twice that is not required and I also suspect that they will never see those tax dollars again. I certainly doubt that Infiniti will refund the money at their own will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: OPORTUN FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit limit was for XXXX $ so I pay them on time every month. Last month in XXXX I noticed that they took 3 payments from me. On the XXXX XXXX and the XXXX. I never authorized the ones on the XXXX and XXXX. So when I called them they sent me a revered payment back for the XXXX of XXXX $ but then they also charged me XXXX $ for a check not clearing i don't right checks. And if I did they already had the 3 payments. I what its can down too is because they had too send my my XXXX $ back that I did not authorize them too so then they charged me XXXX $ for sending me the XXXX back. Then even tho they still had the payment from the XXXX and XXXX they turned me into the credit bureau when I made my payment on time. They have me down for reseving 5 reversal payments but the only one I ever received was the XXXX $ they took. I have paid them XXXX $ so far. In XXXX it show that i owed still XXXX $ and in XXXX my new balance is XXXX XXXX I tore this card up 8 months ago so I ask them how is it I've made all my payment of XXXX $ I haven't used my card in month but my balance now is only XXXX she had a million excuses for everything. Last month wasn't the first time they took more then one payment they hit me a few more times. As u can see in XXXX they got there payment on time but tried 2 more times and still turned me into the credit bureau. Now they show me as in minus XXXX something dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy is showing on my credit report which I asked to get verification and still noting i contacted the 3rd party company they said they dont give any information

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 credit bureaus are reporting inaccurate information on my credit reports. I disputed the accounts and still haven't gotten a response

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 2023-05-09
Company: EQUIFAX, INC.
State: TN
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:
FRAUDULENT ACCOONTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIEVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Personal information incorrect

Complaint:
My Credit profile is showing address 's that do not belong to me or that I am not associated with.

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 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
We purchased the car XX/XX/2020, at the time we got into a loan and were told that at the 6 month mark we would be able to re-finance a loan. When the 6 month mark came we tried to refinance the loan but were then told they we would not be able to refinance. We were told by the dealership specifically that they don't help with refinancing, stating that " refinances don't make them any money. '' This was despite them telling us we would be able to refinance after 6 month 's. We then spoke with Capital One and they told us that they do not take their own refinance loans and we would not be able to refinance with them on our own, even though we were told we could do this by our dealership. We then had further discussion with the dealership and he stated he would help us but every bank he spoke with stated we would have to put more money down to refinance a loan. From XX/XX/XXXX to XX/XX/XXXX I tried to reach out to the dealership and spoke with them again on the XXXX of XXXX. From there we tried to see if I could get a refinance by myself without XXXX. They then asked for my paystubs and I sent those and waited for him to get back to me. On XX/XX/XXXX I messaged them again because I had not heard anything about my attempt to personally refinance. In my message I asked that while he was looking for a loan that he could find a loan that doesn't have simple interest rates or high interest rates at all. He finally responded and stated we would speak the next morning on the XXXX. On the XXXX I then called and was unable to reach him and left a message. I never heard back from him until the XXXX of XXXX. XXXX stated that there was a bank holiday on the XXXX and asked me to reach out to him the following day. I reached out to him again on the XXXX and he stated he would call me some time in the afternoon. I then told him that was unfair because he stated he would call me first thing in the morning. He then stated he only would have five minutes to speak with me, he let me know that Capital One nor any other bank was able to approve my refinance by myself. During the initial purchase of the car we had already put down XXXX as a down payment but somehow that money can't go towards a refinance. They are continually asking us to put down more money to refinance with no explanation as to why. So far within the loan 's life we have already payed XXXX and we still owe approx. XXXX. Nothing we have payed has gone to the principal of the loan and it all has gone towards the interest. No one is willing to work with us on this including Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an Everyday Checking Account with Wells Fargo on   XXXX     XXXX , 2017 ( with an opening deposit of {$50.00} ). I did so with the promise that were I to meet certain conditions I would receive a bonus of {$250.00} ( see attached documents ). The conditions were that I direct-deposit more than {$500.00} into the account and that I make more than 10 purchases with my WF debit card -- -both actions to be taken within 60 days of account opening. As can be seen from the attached statements, I indeed fulfilled the requirements within 60 days of my application. Given my performance of the terms of the agreement under which I opened the account, I should have received a bonus of {$250.00} well before the date of this complaint (  XXXX - XXXX -2017 ). Lamentably, I have thus far received no bonus.

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 monetary relief
Consumer complaint received 2017-07-16
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a secure credit card on  XX/XX/XXXX . I provided all of the required information and I was still rejected. Discover card discriminated against me prior in  XX/XX/XXXX  also, there is systemic credit discrimination going on at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested to verify account with National Credit Adjusters, ( NAC ), back in XX/XX/2022 with all 3 credit bureaus. NAC sent me a letter stated they received the request and one finish will send me out the investigation information. I understand Covid-19 was going on not to long afterwards so I gave NAC more time as they may need to send this information due to the circumstances. But it has been over a year and I've requested this with all 3 bureaus again and getting updates it verified but still have not been provide any information from neither the 3 credit bureaus and NCA. Latest i last requested was XX/XX/2022 and on my credit reports still shows disputing. MY addresses are up to date and have had forwarding included. This should not be acceptable. The FCRA gives the company 30 days to respond and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: CURO Intermediate Holdings
State: OH
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:
Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rausch , Sturm , Israel , Enerson & Hornik , LLC   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Maryland  XXXX  tel # :   XXXX   Fax # :  XXXX  They started garnishing 20 % from my salary in  XXXX  where i worked. They claimed that I owed   XXXX    Gold Master Card/ XXXX  the amount of {$13000.00}. I called them and spoke to   XXXX   XXXX   XXXX   and told them that this is not mine. I ask for all the documents pertaining the debts they claimed was mine.
  XXXX   XXXX  , 2017 I sent them the affidavit/  XXXX   XXXX    FRAUd Questionnaire, and called them almost everyday and always send me to an answering machine.
I called them   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   this week every morning and they just sent me to an answering machine. I told   XXXX   XXXX   to call me back and gave them my numbers. I ask them, why is it that they still garnished my salary even though they said they will investigate after receiving my Affidavit.
They already garnished {$650.00} from my hard earned salary.
I do not know what to do to solve this problem, they do not answer my calls but keep on garnishing 20 % from my hard earned salary. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
Identity was compromised and affect my credit report negatively. These open, collections and chargeoff accounts on my report I do not recognize them. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for an extension of credit using my social security card at XXXX XXXX XXXX. Per the denial letter sent by Capital One Auto Finance on XX/XX/2023 Reference : XXXX I was willfully and knowingly denied for an extension of credit based on false and misleading information and received no benefit in this consumer credit transaction using my social security number. On XX/XX/2023 I contacted Capital One Auto Finance via telephone to resolve this matter and was told by Resolution XXXX XXXX XXXX ' that I could not speak with a finance manager, underwriter, or legal team, that instead I had to write a letter to dispute the error made by Capital One Auto Finance and address it to " Legal Recourse ''. A certified, notarized letter will be sent via usps mail on XX/XX/2023 entailing all violations and request for remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give anyone employed at your company permission nor my information to look at my personal property and add an inquiry on my credit.

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 2022-11-05
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I filed a dispute in the amount of {$2800.00} against Venmo after discovering that my Venmo credit card payments to XXXX XXXX were not properly credited since the two Life insurance policies were previously cancelled. They are harassing with with email that I am NOW Over My Credit Limit? I demand a full refund immediately to avoid further legal action! Proof of cancelled policies are attached.

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 monetary relief
Consumer complaint received 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to make a {$3700.00} Cashier 's Check deposit to my Bank of America personal savings account by visiting a local branch of theirs here in XXXX, TN on Wednesday, XX/XX/XXXX. The check was drawn from XXXX XXXX  here in XXXX, as part of a withdrawal also occurring on XX/XX/XXXX. XXXX at XXXX XXXX  stated to myself in person at the branch located on XXXX XXXX XXXX, XXXX TN that the check had been paid, and also proceeded to give me written documentation to that effect. 

Upon arriving at the Bank of America branch on XXXX XXXX here in XXXX this morning ( XX/XX/XXXX ) I had it confirmed that the email that Bank of America sent me indicating a hold on the funds of {$3700.00} until XX/XX/XXXX XXXX was indeed correct. The manager at that location said quote " I'm just a little pebble on the sand and I can not help you. '' However, she did give me written confirmation indicating this new portion of my account 's funds as included in the grand total column, that column being labelled " Available Funds. '' Upon further investigation, however, these funds will not be available to me for withdrawal until the stated time of XX/XX/XXXX. The customer service representative with Bank of America I spoke with this morning ( XX/XX/XXXX ) accused me of fraudulent activity and said " this check has a hold on it because of fraud. '' Unfortunately for her, there is no evidence of fraud on my part or on the part of XXXX XXXX. The only evidence for fraudulent activity appears to rest with Bank of America. Therefore, the Bank has until close of business local XXXX time on XX/XX/XXXX today to return these funds to me. If the Bank of America officials refuse to comply with this deadline, I will bring this matter to the attention of other law enforcement agencies at either the local, state, or federal levels ( where applicable ) for possible criminal prosecution to the fullest extent of the law. I need these funds to pay for living expenses when I return to XXXX, Arizona, on XX/XX/XXXX, and I find this behavior on the part of Bank of America to be unethical as well as possibly illegal. That is all at this time.

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 2017-07-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acct #  XXXX **** ConServe claims I owe a debt of {$3000.00}. This claim is fraudulent and inaccurate, and it is being formally disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/><P/>
Be aware that I am making a final goodwill attempt to have you clear up this matter.

Company response to consumer: Closed with explanation