BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My lease is financed through Mazda Financial Services ( MFS ) and the maturity date is in approximately XXXX  days ( XX/XX/2023 ). As with many leases, per the contract, I have the option to purchase the vehicle at lease end for the amount specified on the contract ( plus applicable taxes ). 
On XX/XX/2023, I attempted to arrange the purchase of my lease on the maturity date directly through Mazda Financial Services. However, because my vehicle 's garaging address is in North Carolina ( based on my home address ), Mazda Financial will not allow me to purchase my lease through MFS and instead requires me to purchase my lease through a dealership. 
On XX/XX/2023, I contacted XXXX local dealerships ( one of which is where I initiated my lease ). I am not stating the names of the dealerships in this complaint for fear that they will refuse to allow me to buy out my lease. I will provide this information if I am reassured that the dealers can not retaliate. 
Dealership # XXXX will only facilitate a lease buyout if the lessee agrees to a vehicle certification, which costs {$2400.00}. This is in addition to a {$990.00} administrative fee. If I elect to not certify my vehicle, Dealership # XXXX will not facilitate the buyout. 
Dealership # XXXX charges a {$750.00} origination fee and does not require vehicle certification to facilitate a lease buyout. However, they do require customers to finance the lease buyout via the dealership, who will select the lender and initiate the loan origination process. If I want to pay in cash or obtain my own financing, Dealership # XXXX will not facilitate the lease buyout. 
As is evident from above, Mazda Financial 's requirement for dealers to facilitate all lease buyouts in North Carolina leads to additional fees above the agreed-upon contract price and is based entirely on dealer discretion ( i.e., no dealership is obligated to facilitate my buyout, and I must agree to one dealer 's terms if I want to buy out my lease ).

Dealers are not financially motivated to dedicate time and effort to lease buyouts. Consequently, they resort to predatory behaviors, such as those listed above. I should be able to purchase my vehicle for the amount outlined in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: FL
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:
I don't know how many times I had sent letters to Experian to delete the information that is not accurate on my credit report and they are not even sending me a validation letter. I don't even see that the account is been investigated. Every month I send a letter and no response from 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 2020-08-12
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I disputed the following accounts with Equifax : XXXX XXXX XXXX # XXXX XXXX Collection # XXXX XXXX Appliances # XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX It has over 45 days and I still have not received any updates regarding an investigation. My credit report doesn't reflect and investigation being conducted and I never received any results in the mail. I decided to do my own research and apparently Equifax is in violation by not doing any of the things I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house commercial mortgage with loan XXXX XXXX XXXX started on XX/XX/XXXX. 
Original payment was {$3400.00}. 
XXXX home taxes were {$17000.00}. 
In XXXX home taxes went down to {$5200.00}. 
On XX/XX/XXXX mortgage payment increased to {$460000.00}. 
After I asked for audit of my loan payment. In XXXX mortgage payments were recalculated and on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$16000.00}. 
On XX/XX/XXXX the new mortgage payment of {$3800.00} started. 
I asked for another auditing, on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$11000.00}. 
Because taxes were {$11000.00} lower comparing to the time of mortgage origination, I asked to reduce monthly payment to {$2400.00}. 
For 5 months mortgage organization accepted new mortgage payments in amount of {$2400.00}. After that they claimed that I missed mortgage payments for 3 months and started foreclosure process. 
I called mortgage organization with requests of auditing monthly payments, hired an attorney, but nothing helped. 
Id like to audit this mortgage organization, stop foreclosure and pay off entire mortgage amount. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Synovus Bank
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XXXX, I opened a First Progress secured credit card account with a {$200.00} refundable deposit with the intention of building credit. Since I've been a customer, I never made a single transaction, however, I paid {$290.00} in aggregate annual fees over the course of nearly 6 years. 

On XXXX XX/XX/XXXX, I called into First Progress to close the account and was told by their customer service representative that I had to wait ten ( 10 ) weeks in order to get my {$200.00} refundable deposit returned. When the representative told me 10 weeks, I was flabbergasted and said : " you mean, 10 days, right? '' and the agent said " no, 10 weeks. '' I completely understand that there needs to be some holding period before my deposit is returnedhowever, 10 weeks is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Collection Consultants of California
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the {$230.00} now {$300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold per validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had been same day in XXXX tagget, XXXX and some electronic store purchase changes which electronics store they mentioning to in my whole life I didnt gone to that store. I reported fraud and dispute but old XXXX company not resolved it after making couple times complaint. They are haraasing that customer will pay this because of credit score.

But I never make any transaction and 15 years history never miss any bills. So please mark this as complaint and if need any details happy to provide those cards was lost stolen some one use and make fraud. Id identity theft also may be.

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 2020-08-12
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So Ive had this account for a few months now and Ive had money deposited and taken out of the account a bunch of times. Ive been waiting for unemployment checks to get deposited into this account and finally it did last week and now they are telling me they dont wan na do business me with anymore and they are holding my money for 180 days then they will email me about receiving my money. Ive been waiting 4 months for this money and have bills months behind and when I finally get the money this company does this to me. Im devastated by this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
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:
I've contacted XXXX about fraud. XXXX XXXX XXXX  / XXXX XXXX XXXX added a XXXX  XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

Equifax stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Company = Coinbase Website = https : //www.coinbase.com Problem = can not access Coinbase service and my money Hi, here is what happened to me : - XX/XX/XXXX I requested support to Coinbase since I lost my secret key ( 2FA ) to access my Coinbase account - so I followed their instructions -XX/XX/XXXX I successfully completed their procedure to verify my identity. And they sent me an emails saying : " Please allow 48 hours for your TOTP 2-Factor Authentication to be disabled before signing in '' - Today XX/XX/XXXX ( after 17 days ) I'm still waiting ... .no answers from Coinbase support despite my emails. I'm still not able to use my Coinbase account and so my money there.

Thanks fro your support.

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: IL
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 previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

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 2023-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 3 attempts and they stating information is accurate which is not my name is not XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Maximus Education, LLC dba Aidvantage
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a payment to Aidvantage for roughly {$5000.00} to pay off my loan balance. Upon reviewing my account, I noticed that they charged my bank account twice and have almost {$10000.00} taken out of my account. 

I have called several times to get my money back and each time I get a different response from a different call center represenative and different manager. Managers : XXXX XXXX and XXXX XXXX have been extremely disrespectful and unwilling to help in the manner. 

I was told the money would be back in the account in a week. Then a different manager said it could take 30 days. Now, I am being told it can take 8-12 weeks by XXXX XXXX . I feel hopeless and taken advantage of. 

If you look at reviews of their company, they have done this to several other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: NY
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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Velocity Portfolio Group
State: MO
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:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company velocity investments LLC and XXXX XXXX XXXX 

As outlined in the agreement, the purpose of the XXXX XXXX Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2019-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX i called bank of America customer service number to ask for my account number because i was on my way to file my XXXX taxes. After weeks went on i noticed i didn't get my money back. I called the IRS and they said the money was deposited in the account. The number the guy on the phone gave me was the wrong account number. I went to bank of America and they send me to the IRS and the IRS sent me back to bank of America, this back and forth went on for months. During the time i found out i was expecting a baby. The IRS told me that its bank of america 's duty to inform the account holder that the wrong amount of funds was deposited to he or she's account but bank of america said they cant say anything. I looked into hiring a lawyer but the lawyer said their fee would cost more than the amount of money i was trying to get back. Needless to say i lost my whole tax refund that year all XXXX dollars. The bank of america rep that i spoke to said i could've never got the number from one of their workers. This situation took a lot out of me at the time emotionally and physically. They were inconsiderate and lack empathy. I have never had my tax refund direct deposited since because of fear that this might happen again. I would appreciate any help or information that you guys can offer on this matter. 
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 2024-01-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Carecredit has a system in which you can do a 6 month interest free payment plan. If you have multiple promo purchase charges open they used to apply your full payment to the oldest/one that would accrue interest soonest, which makes sense and is how the customer would want to pay off. Now however, they've switched the system to spread your payment across all the charges. So if you had a {$30.00} expiring promo period and XXXX others not expiring for 5 months and put {$30.00} towards your card it would put {$10.00} to each rather than paying off the {$30.00}, allowing the one not paid to charge interest since the grace period then expired. 

When working with the company they have informed me that every time I make a payment I will need to reach out to customer service to ask them to allocate the payment to the expiring promotional charge. Every time. This is not customer friendly, but I've attempted to do this and each time they have not followed directions and paid off XXXX and spread the rest ( after being told to apply it to XXXX specific purchases that were expiring soonest for example ). Then when checking back to make a payment later it is seen that the interest has been charged on the payment the customer has assumed has been paid off. In other words, the customer has to keep a keen eye on checking back and contacting again to be sure their payment is done properly or carecredit charges interest that the consumer may not notice unless they checking back. This makes it quite easy to take advantage of customers, especially those who may not be as careful. And as this card is touted as good for medical payments, this can be a large class of people that are easy to take advantage of. 

This system seems to be set up for carecredit to make money off the interest charges that would otherwise not be accruing. My own payment has been fixed ( after multiple contacts with customer service and escalating to a manager ). I have put in complaints before but they only do it on their end and will not give you contacts to place your own complaint, so I'm not actually sure if complaints are actually ever placed with them or they just tell you they are to keep you quiet. I may have fixed my own issue, but I worry for the people that can't be as careful/on top of their payments that carecredit can take advantage of them too easily, since it does seem to be set up now for that to be the case. I hope someone can look into this as it seems quite predatory.

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