BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX had in error added late charges to my account, when my account was zero balance and closed. They would not correct it. So, I filed a complaint with the New York State Department of Finance. Once New York State got involved, the balance was immediately adjusted to zero. But, XXXX continues to report to the credit bureau that I was late in paying for 3 months, while I was disputing the charges. They agreed with me when New York State got involved and made the balance as zero. But, why are they refusing to remove the 3 month delinquency when the charges were wrong and I did not owe them.

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 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have made a complaint to close my account with, Bank of America and transfer the funds. But they closed it and I didn't receive any bankers check as they have Promised. 
Complaint reference # 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 monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX. Three companies ran my credit without my authorization. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes

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 2021-09-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a service connected XXXX veteran and I have been in a forbearance due to Covid. Just stayed on the phone with Wells Fargo 1 hour 48 minutes. I have communicated with the lender several times and not until today was I told that because my payment on XX/XX/2020 was not paid until XX/XX/2020 I do not qualify for a deferral of my loan because I can only have 18 payments and not 19 payments. According to Wells Fargo I was late in XX/XX/2020. Which I dispute. However, if I would have been told that I would not be able to put the payments from the forbearance to the end of the loan sooner because I am one payment over, it would have helped. Now I can not get those payments deferred to the end of the loan. This is going to cause problems for a lot of Veterans and seniors. 1 payment and here we are in the middle of XXXX. I am able to start paying my loan in XXXX, but to have to go through loan modification when the income is reduced because we had two incomes when the home was purchased and now my husband is deceased. My income is substantially less. If I was informed about 1 payment causing me to end up in foreclosure because at the 11th hour I am informed about 1 payment over is a way for lenders to allow homeowners to go into foreclosure. Right now I have to try to sell the house before it is foreclosure on. Because the lender never explained it could only be 18 payments until TODAY! How many other people are just learning this?

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 2023-10-22
Company: DriveTime
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi, i am the current owner of a XXXX XXXX XXXX, it's paid and full and i have the title in my name that was just mailed to me. Long story short, i tried to go to XXXX XXXX weeks ago XX/XX/XXXX to get purchase a new car, but denied due to a past lien still out on the vehicle. I advised Drive-Time of this issue, the same night XX/XX/XXXX and it's still yet to be resolved. I have done a lot of leg work for Drive-Time trying to get this resolved on my own. However, I feel as if though me being the customer I shouldn't be doing their job responsibilities for this business, when they have a full-staff. They haven't been very informative about updates, and the the status of my case. XXXX the Assistant General Manger at this location, ( XXXX XXXX XXXX XXXX ) hasn't been taking the appropriate measures to get this resolved quickly. If they can't resolve this amicably, then this leaves me no other recourse but to take the appropriate legal action. I've reached out to the previous owner 's lienholder ( XXXX XXXX ) on this vehicle trying to obtain the lien holder release form however the form isn't in there possession anymore, it's with the auction company XXXX XXXX XXXX California ). Due to me not being the retail buyer of this vehicle, they are not authorized to release this form to me. 

I've also called my lienholder ( XXXX ) to obtain this form, however they are being told by the auction company that they need some type of proof that shows that there is still a lien out on it. I called the XXXX XXXX at the XXXX location for help, and was advised that he's sorry for the situation that I'm in, and that there is nothing he can do to assist. I have been asked my a couple of team members by Drive-Time to obtain this proof. Why am i being asked to job Drive-Time 's job and responsibilities? This is something that i was told by my attorney that they should be being handled this themselves or there staff. However, I've been the one taking matters into my own hands trying to get my own issue resolved. All i want is for this to be resolved, so i can proceed with a purchasing a new car! 


Also this happened to my friend about a year & a half ago with her XXXX XXXX, she was sold a car by Drive-Time that had a hole in engine. That was even in a battle between Drive-Time and XXXX trying to get Drive-Time to fix there mistake. In the end my friend lost, and had to buy a new car with XXXX due to them selling her car that had prior mechanical issues. 

I'm just wanting to bring attention to this business that is just quick to sell a car, but is not doing there due diligence to insure that your in something safe and reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: IL
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:
There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and Experian and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. Experian Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.

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 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times with Capital One to delete the closed credit card account due to Capital One violating XXXX XXXX COMPLIANCE I have paid the account but Capital One refuses to delete the closed credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: CITIBANK, N.A.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were forclosed on By Citi Financial on XX/XX/XXXX. We have worked for the last few years to build credit and save to get new home. Applied for loan earlier this year. Mortgage company found a discrepancy in filing date. Sent written request including letter from our attorney asking for a correction. None to date. 

They recorded XX/XX/XXXX. The mortgage company will not move forward until this is fixed. BTW at the time we thought and were told Cit was foreclosing on us not Citi Financial. all the same nest of thieves. 

We need you to ask Citi to correct the Registry of deeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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:
I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted fom identity theft is a violation of the Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is defamation of character and misrepresentation of my true credit worthiness. i recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Wells Fargo. The terms of the loan dictate that if I make payments in excess of the amount due, it rolls into the next payment unless I ask for it to be put towards principal. Once you are 3 months ahead on payments, the excess auto applies to principal. 

I have been making a little over {$30.00} more a month each month on my loan. This month, I looked at my statement and it said I was {$14.00} over due, even though my next payment isnt due until XXXX. 

When I called, I was informed that once you pay 90 % towards the next months payment, your due date is moved to that next month and the 10 % that isnt paid is marked overdue. 

This makes absolutely XXXX sense. How can a person have an overdue amount on their account and be ahead on their payments? I am concerned how this is reported to credit bureaus. 

In particular, this is incredibly misleading and inaccurate and penalizes customers for being ahead on payments.

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 2023-12-29
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was told that I would receive a title in the mail from KIA in XXXX business days. It's been over a month and I still haven't received my title. 

They said they sent out the title on XX/XX/2023, it's now XX/XX/2023.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
0 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 2023-10-09
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Self Financial Inc.
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Commercial Recovery Systems
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/18 XXXX XXXX left a threatening voice mail on my cell phone. They told me I was going to be served court papers at my place of work for an old debt. I called there and they offered me a payment plan. What concerns me is the fact that they have my Social Security number. This is a very old debt and I'm sure past the legal limit to collect.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-08
Company: DISCOVER BANK
State: NY
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 Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX 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 would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - XXXX XXXX sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME - XXXX XXXX  DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX  inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER inquiry Date XX/XX/XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX  XXXX XXXX-inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am writing in regard to a problem with Square Payroll. I joined Square Payroll on XX/XX/23 for my LLC. This LLC is my business for consulting and contractor work for reviewing patient charts and doing XXXX XXXX work. I ran the first payroll on XX/XX/23 which was to be paid out to the sole employee on XX/XX/23. The {$9400.00} was deducted from the business account on XX/XX/23. On the morning on XX/XX/23, an email was received that the account was deactivated and referred me to Section 11 of terms and conditions for the reason. Section 3, # 11 states that is is prohibited use the Services for any illegal activity or goods or in any way that exposes you, other Square users, our partners, or Square to harm ; or. And Section 11 of the general terms is related to Taxes. As such, it is unclear why my account was deactivated as I am neither engaged in illegal activities nor have any current outstanding tax obligations. I called customer service and was referred to Account Management representative XXXX who advised he could provide no further information regarding the deactivation. He stated that though the money was deducted from my business account, it no longer appears in my Square account and believed that the e-check was already sent. He referred me to Payroll representative XXXX for confirmation and she stated the payroll will not be run and that perhaps the money would be returned in 4 days. I called back later in the day and spoke with another representative who stated that the payroll would be run as scheduled and the direct deposit would be done on XX/XX/23. On XX/XX/23, though my account with Square Payroll was deactivated, the took {$41.00} for a payroll processing fee. 

On XX/XX/23, the employee payment was not received nor was the money returned to the business account. On XX/XX/23 I called in and was told the payroll had been cancelled on XX/XX/23 at XXXX XXXX. I requested the date of when my funds would be returned and they would not provide that information. 

I find it reprehensible that the account was deactivated with a reference to illegal activity which is a patently false accusation. Furthermore, the inability to definitively tell me exactly where my money is and when it will be returned is truly disturbing. I would like the money returned immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted to see verification proof from PHOENIX FINANCIAL SERV about a debt they claimed that I owe but they have refused to provide the information in a timely manner. The account number is XXXX. I demand that they removed this account immediately since they have not provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX ; inquiry 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