BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: VW Credit
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, Volkswagen contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe I paid the safe deposit box amount of XXXX $ cash to the Bank of America on the day I rented the safe deposit box in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from BOA to inform me that I owe it XXXX dollars for safe deposit box and XXXX dollars for late fee. 
I believe I paid the safe deposit box, because based on my past experience with BOA, BOA would charge me safe deposit box before giving me the key to the safe deposit box. Second, I had cash the day I opened the deposit box, there is no way, I wouldn't pay the XXXX $ for renting a safe deposit box. 
Third, If I didn't pay the safe deposit box, why the BOA only mail me the payment 8 months later? instead let me know that owe its safe deposit money in the last year?

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 2019-11-19
Company: CITY NATIONAL BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There are two complaints here. ( 1 ) I am unable to have my account closed with the provider. ( 2 ) I have been unable to obtain a refund of the card 's annual fee from the provider after a material change to the card 's terms and conditions. 

City National Bank offers the Crystal Infinit credit card. It has a {$400.00} annual fee and a number of benefit programs. ON XX/XX/XXXX, I learned that many of the most valuable benefits would be discontinued as of XX/XX/XXXX. As I had just paid the {$400.00} annual fee on XX/XX/XXXX, I notified City National Bank that I wished to close my account and was requesting a prorated refund of the annual fee I had just paid. Since the provider was choosing to change its terms, this is only fair under contract as I did not agree to the updated terms. 

After repeated calls and emails to the provider, I have been unable to either close my account or have my annual fee refunded. I am being told that a single relationship manager has the authority to close accounts and that they would call me. I never received a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To whom it may concern, I started XXXX  college XXXX of 2016. We were to move to Tennessee and i was was enrolled at XXXX XXXX college at the time and just about through my program for my certificate. XXXX wouldnt except my credits from XXXX XXXX and i felt extremely pressured to sign up the day i visited. We ended up not moving there so i asked if i could do online coarses. That turned into a big mess. I was paying for classes for brick and mortor and getting in trouble for not going to class for 2 semesters. I just dropped out. But the student loan is outrageous for 2 semesters plus XXXX XXXX. When i attended XXXX XXXX they had my fafsa so XXXX  up it took a long time to get my student loans federal and private. I had to sign i.o.u 's. 
Im afraid to go back to college because if my fafsa was put in so many times, brcause they input my ssn wrong i have only it has to be put perfectly or no fafsa ever again. 
Its taken me this long to find you to file a complaint, because every lawyer or financial ( college ) didnt know of any place that you could. 
Thank you XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: AMERICAN HONDA FINANCE CORP
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:
Report shows my final car payment was late, but i provided a bank statement showing it wasn't. I even provided bank statements for the previous months to show that it was paid on the same day every month ( it was on autopay with the leasing company after all ) with no issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BB & T Banking and Trust Company This bank keeps sending me collection notices, on accounts that are not mine.

They are threatening to send negative collection data, about me, to " XXXX  '' ( whom I have never heard of ), when I don't even know who this Bank is, or how they could claim to know me. 

The fraudulent accounts are : ACCT # XXXX {$790.00} ACCT # XXXX {$280.00}

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 2018-04-16
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to XXXX XXXX requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2019-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
About 4 weeks ago, checks were taken from my moms house, and cashed for large amount of money. My mom is not in the best health, and I am on her account to help her manage her money. During the time this happened I was out of town and she tried to handled the situation on her own, however she is not aware of many things in her house and Chase now keeps declining her claim. Her money is lost and Chase is not taking responsibility of not securing her money and allowing fraudulent checked being cashed. The checks clearly looks fraudulent, there was major red flags, signatures did not match, checks were out of order, hand writing did not match, they were for large amounts that is also unusual. 
Chase allowed my mom 's money to go out authorized by me and now refusing to take responsibility for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Paid my property taxes and also my father 's property taxes from my escrow. 
Property Taxes were due XX/XX/XXXX. My dad cant pay his because freedom mortgage has already paid them with my money. In XX/XX/XXXX i called freedom mortgage to fix this problem. They told me I need proper documentation. On XX/XX/XXXX, I faxed them the proper paperwork and a statement saying I wanted this fixed. I called them again They said it would be fixed before taxes were due. I checked my account and nothing was done. I called them back. They said that the other people i had talked to previously had done nothing, but he would make sure it was taken care of this time around XX/XX/XXXX. I get a letter stating my house payment is going up From {$530.00} to {$800.00} Because the escrow went up to Pay for Property taxes. It showed the projected property taxes for next year and my dad 's is still on there. I called them back on XX/XX/XXXX, they said the escalation team will take care of this. The " Escalation Team '' called me back on XX/XX/XXXX and said it looks like it didn't get taken care of by the projected date. If its not fixed by XX/XX/XXXX, My house payment will be almost too high for me. Freedom Mortgage is hurting not only me but my dad can't pay his taxes and will be charged late fees. 
My dad and I have the same first name, Different Middle Names, and Different addresses.

I called the tax office and they said freedom mortgage hasnt even begun to fix this problem or called them at all.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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 have a credit inquiry on my report that I did not authorize from XXXX XXXX  XXXX XXXX dated XX/XX/2017.

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 2020-10-10
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX Equifax received written communication from me to remove inaccurate Names and Addresses from my Credit file. I got correspondence on XXXX XXXX that the inaccurate addresses were deleted, however one remains after they said they deleted it. XXXX XXXX XXXX XXXX XXXX MI, XXXX. This address is inaccurate and and should be removed. 

On XXXX XXXX Equifax received written communication from me to investigate unauthorized credit inquiries which were not used for permissible purpose. I requested that they send me documentation of said permission. A Correspondence that was dated just 2 days later XX/XX/2020 they are stating that Inquiries are a factual record of file access. They did not investigate per the FCRA guidelines. They are required by law to do a full and thorough investigation. The following Inquiries should be removed immediately- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and finally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more 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 2020-07-24
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, Barclays Bank, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my XXXX  has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX no more i cant get aproved for anything which is casing me even more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used money gram to send {$200.00} to FLA.to a XXXX XXXX and feel I was scammed by these people, I was contacted by a XXXX XXXX XXXX telling me to send money for my share of winnings on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I keep keeping a XXXX collections put back on my credit in the name of XXXX XXXX. I keep having it removed and it is placed back on my credit without my consent. XXXX XXXX XXXX is currently reporting it to Equifax for {$1200.00} even after I have won my dispute. I have contacted XXXX twice to resolve the name issue and XXXX XXXX  once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had co signed on this vehicle with my ex spouse. He was 11 payments delinquent and the vehicle was repossessed, however redeemed. On the original contract I signed it, however I was not a part of the new agreement nor did I agree with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Zales COMENITY BANK CREDIT CARD OFFERS A DEFERRED INTEREST WITH NO INTEREST IF PAID IN FULL. ZALES DELIBERATELY PAYS DOWN ON THE VARIOUS PURCHASE IN THE ORDER OF THEIR CHOOSING AS WELL AS THE AMOUNT. THE CHARGE FULL INTEREST ON TOTAL PURCHASE FOR BALANCES NOT PAID. EX. I PURCHASE XXXX RING I PAY DOWN {$600.00} AND HAVE A XXXX BALANCE THE CHARGE 29 % INTEREST ON THE TOTAL PURCHASE {$160.00}. THIS IS ABUSIVE. IF I AM MAKING TIMELY PAYMENT I SHOULD BE ABLE TO CHOSE WICH PRINCIPLE BALANCES I WANT TO PAY AND THE AMOUNT FOR EACH ONE. IF MY BALANCE IS XXXX AT THE END OF THE PROMOTION THEN I SHOULD ONLY BE REQUIRED TO PAY THE BALANCE FOR THE XXXX. NOW THAT THEY HAVE CHARGED ME THE INTEREST FOR THAT 1ST PURCHASE THEY DID NOT APPLY MY PAYMENT TO THE OTHER TWO PURCHASES AND DID NOT GIVE ME THE OPTION TO PAY IT FIRST. FOR EXAMPLE LAST PURCHASE {$60.00}. COULD HAVE BEEN PAID IMMEDIATELY UPON MY FIRST PAYMENT. THEY PREVENT US FROM DECIDING WHAT I WANT MY PAYMENT TO APPLY TO FOR THEIR SELF INTRUST!

Company response to consumer: Closed with explanation