BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: STATE FARM BANK, FSB
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
A Dear Sir : My name is XXXX XXXX My account number with State Farm was XXXX. The account was in my diseased husbands name. 

I am from XXXX XXXX and I am XXXX years old. I am victimized with this account by State farm.My husband XXXX XXXX XXXX and I took out this loan of {$30000.00}. Unbeknown to me he was borrowing much more money that I was not aware of. He was very sick at the time and receiving XXXX XXXX.Then when he went into intensive care.I found out what he was doing I called and .stopped his borrowing.I paid an increase payment. I paid off the loan around 2013. I borrowed money from the XXXX XXXX for the amount what XXXX owed.Where I came from XXXX we grow up that we do n't have money we do n't spend and we owe money we pay no matter what. I think State Farm did wrong to me each time XXXX borrowed more money they should have notified me the spouse and it and I should signed by me also However, I signed for a small amount for help him out. No State farm people told me or explained to me that he could continue borrowing without my knowledge.I would like someone to look into this matter at this time. I would like you to investigate all the my history with State Fram business. Please look into this matter so I do n't have to live with terrible feeling about all about this acct. I paid off over {$82000.00} to State Fram I borrowed from the other bank to pay it off. Please. Check this. What can you do help me feel better with State Farm I really believe in State Farm. I always deal with State Farm I feel there are something can be done by authority. I am victimize by working so hard not being at home. I did not know State Farm and my husband could do this no matter what I paid off. Now Sate Farm should do the something like this case should change people like me from oversea work so hard and ending is disappointment. I would like see some truly caring people .I have two personal friends that are lawyers who would like to read the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: United Services Veterans Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I received a flyer in the mail from this company. I was first alarmed because I noticed that they put XXXX XXXX XXXX XXXX as their address on the envelope, I have been stationed at XXXX XXXX XXXX XXXX and know for a fact that there are Norm mortgage companies based on the facility. I called they confirmed they are a mile outside of the gate and not actually on XXXX XXXX XXXX XXXX. I also asked about the 1.75 % interest rate that they were offering, and they said that hasnt been feasible for over a month now as it is currently costing over two points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled and paid as agreed with debt collector.

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 2018-01-20
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX/16 we leased a vehicle, the terms of the lease states we will have 27 payments on the vehicle, and in the payments {$1100.00} worth of taxes are included into the payments. Line 13 on the GM Financial lease agreement states OFFICIAL FEES AND TAXES : The total amount you will pay for official and license fees, registration, title, and TAXES over the term of the lease, weather included in your scheduled payments or assessed otherwise is {$1100.00}. The total fees and taxes you pay might be different than this based on charges in the tax rates and the value of the vehicle when the fee or tax is determined. 
BUT the lease does NOT state the lessee would be required to pay Personal Property TAX. The ONLY mention of TAXES are the {$1100.00}, which are included into the lease payments. The Beginning of this year, I got a bill on line that stated I owe {$940.00} for Personal Property Tax. The ONLY taxes specified in Dollar amount and clear is that the {$110.00} for taxes that are INCLUDED in my payment. 
According to the Consumer Financial Protection bureau 's website, Section 1013.4 in the Contents of Disclosures : Part 4 ( C ) Payment schedule and total amount of periodic payments, the section 1 PERIODIC PAYMENTS.The phrase number, amount, and due dates or periods of payments requires the disclosure of all payments that are made at regular or irregular intervals and generally derived from rent, capitalized or amortized amounts such as depreciation, and other amounts that are collected by the lessor at the same interval ( s ), including, for example, TAXES, maintenance, and insurance charges. Other periodic payments may, but need not, be disclosed under 1013.4.

In Section 1014.4 ( N ) part 3 A tax payable by the lessor that is passed on to the consumer and is reflected in the lease documentation MUDST be disclosed under 1013.4 ( N ). A tax payable by the lessor and absorbed as a cost of doing business need not be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Appeal # # # # to the consumer financial protection bureau from bank of America 's fraud research done by XXXX XXXX letter dated XX/XX/XXXX to the cfpb ( See complaint attachments # XXXX on my complaint to cfpb ) XXXX states after intense research of fraud and suspicious activity on all my accounts Bank of America records show on the XXXX account That there were only XXXX bank of America cards opened and issued on this account of XXXX Card # XXXX in late XXXX XXXX present day And in XXXX. Card # XXXX for temporary card closed after 30 days. 
On XXXX boa bank statement ENTRY OF ATM Card REPLACEMENT FEE {$5.00} on XXXX XXXX XXXX I need the following follow up documents from XXXX fraud research on my account as per boa THE ORIGINAL SIGNATURE CARD OF THE OPENING OF THE XXXX ACCOUNT as promised 3 months ago by XXXX. 
# XXXX WHAT ATM CARD # WAS ISSUED FROM BANK IF AMERICA FLORIDA ON XXXX 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 2021-12-06
Company: Thaxton Investment Corporation
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am late due to other bills automatically taken out of my account and i will pay them but they have been calling me and my fiance from their personal cell number and also contacting me at work when i have asked them not to numberous times because i cant take personal phone calls at work, i am not going to try to get out of paying them but i havent had the money to do so at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, not my addresses, nor did I authorize these companies to pull 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 explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

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 2022-10-04
Company: JPMORGAN CHASE & CO.
State: AR
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:
Basically when i was applying for vehicle at dealership and i did that give any consent to run my credit and after leaving i found out that my credit was run multiple times without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: AZ
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/2021 I sent letters to each credit bureau re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The account was set on auto pay for as l have had this card ( over 3 years ). There was a XXXX balance on the card but there was an annual service fee that was charged. The auto pay did not go through as it should have which resulted in a 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I wrote to TransUnion to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been more than 38 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress, as well as resulted damages, to still have these inaccurate and false accounts attached to my credit report. Please, support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.

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 2019-02-06
Company: EQUIFAX, INC.
State: IN
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 have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This matter is regarding an auto loan, owned by Capital One Auto Finance. The loan was originated on XX/XX/XXXX by XXXX of XXXX, NJ at roughly XXXX XXXX. The dealership required me to take out a loan to avail the promotional price on the vehicle I wanted to purchase. I was told that NJ does not have a prepayment penalty and that I could make a payment at any time. Based on this I decided that I would put down {$1000.00} then pay the balance in full the next day. 

First thing the next morning ( Today, XX/XX/XXXX ) I called Capital One to pay off the loan and they told me the loan does not exist. I requested to speak with a supervisor, they transferred me over. The supervisor stated, they have received the information from the dealership but a loan number is not available so I can not make a payment. She told me I would not be able to make a payment for a couple of weeks since i did not have a loan number yet. I asked if I would be charged interest during that time period and I was told the interest started when we signed the contract. I asked, how can you charge me interest and not give me the option to pay the loan? She started to get very agitated and stated nothing can be done for a couple of weeks. 

After speaking with Capital One, I called your offices and was told to file a complaint. Everyday that passes I am being charged interest for a loan I do not need or want. It is unfair for the Capital to charge me if by the contract terms I can pay at any time without a penalty. 

On a side note, I do also feel that it is unfair for a car dealer to sell a vehicle at a different price if you do not take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has repeatedly sent mail about an alleged bill that i do not owe, i sent in proof in writing that the debt was not mine. The company in turn sent me another alleged bill and added the account to my credit report as a collections account which severely damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request the CFPB agency 's hepl. I don't know what else to do. I tried to solve this issue with Ford Motor Credit in the  past but they have failed to give me a fair solution. This company is reporting an account that is related to fraud. 

I tried to solve this issue with them back on XX/XX/XXXX but they did not do anything about it. The account that is related to fraud and that I am demanding to be removed from my credit report is the following : FORD MOTOR CREDIT COMPANY, account # XXXX. Date Opened XX/XX/XXXX. Original Balance {$16000.00}. Balance {$0.00}. Closed. 

I want a fair solution to this issue. I know my rights and they should not be reporting a related to fraud account to the credit bureaus. I am demanding a DELETION LETTER and a notice sent to the trhee major credit bureaus so that account gets removed from my reports. I am having health issues because if this, high levels of stress and other affections. 

If Ford motor credit fails to remove this fraudulent item, I will not hessitate filing suit, since they have committed multiple violations. It's been more than 60 days and they have failed to investigate the account or mark the account as disputed after they received my dispute notice on XXXX  of XXXX. Also, they have faild to send me a debt validation that I requested. This is another violations under the FCRA. 

I hope to have a positive answer and I know that once I speak to my attorneys, the list of violations will go up. 

See attached : letter sent to the company on XXXX of XXXX, proof of fax and FTC report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: LA
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 left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XXXX ,2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: EQUIFAX, 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:
I have sent Equifax numerous disputes about this incorrect public record on my report i have ask them to provide me with verified information that this account belongs to me. And they have not provided me with any information nothing at all. Just a letter stating they verified. But no documentation proving that that particular account belongs to me. I have contacted the court in question and they stated they did not provide Equifax with any information. I sent that along with my dispute and they did nothing no reply.Therefor they must delete this wrong and incorrect public record account off my credit report. It is against the law to report inaccurate information on someone credit file and i demand they fix it and remove it from my report. I have included the same documents the court sent me as proof in my complaint. I also included identification with copies of both my Drivers Licenses to provide verification I am truly this person and would like swift fashion in removal of inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to access my account through a third party app on my mobile device, however TD Bank will not allow access. I have called TD Bank 's customer service twice and spoke with a customer service representative and a specialist in Technology Support, both of whom who were unable to assist me in linking my account.

Company response to consumer: Closed with explanation