BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Telsa Motors Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a new XXXX XXXX XXXX ( VIN # XXXX ) from XXXX  of XXXX through their corporate website I uploaded all my documents, ( I was pre approved for a loan of XXXX from XXXX XXXX XXXX  XXXX  ) the purchase price of the vehicle was approximately XXXX total with my loan amount the balance was XXXX. I was scheduled to pick up the car on XX/XX/2020 at XXXX  XXXX, I received a call from a representative at the XXXX location that the vehicle would be available to pick up on Saturday XX/XX/2020 at XXXX  XXXX. I arrived to pick up the vehicle a half an hour late, I signed all the legal paperwork including the pink slip and was allowed to leave the lot. I took my childhood friends mother XXXX XXXX with me. After everything was signed I took my friends mother and her daughter to eat as a celebration of the new vehicle and also my deceased mothers birthday which was the following day. When I awoke the following morning I checked my e-mail and there was an message from XXXX XXXX Financial Director stating that he did not think that XXXX XXXX financed XXXX  and that I should apply for some other financing. I wasnt sure if he was a scam artist or an official representative for XXXX. I promptly returned the vehicle to XXXX XXXX  as not to incur any further devaluation. I was very depressed for the rest of Sunday, I decided to wait and find out what was actually going on until Monday morning when the dealership opened. I contacted XXXX XXXX through XXXX to voice my grievances and seek some kind of help. When I was able to get in contact with the representatives at XXXX XXXX  I was repeatedly told that XXXX XXXX does not finance XXXX  vehicles. I contacted XXXX XXXX and they informed me that they do finance Tesla vehicles and provided me with a reference number XXXX. The representative also stated that they had yet to receive anything from XXXX  of XXXX. I asked to be provided documentation with a company letterhead that clearly stated that they do finance Tesla vehicles, I was transferred and that representative did not have any authority to produce the documentation. I reached out to XXXX  of XXXX representatives and was repeatedly routed to voicemail, I decided to choose to call another department and see if they could route me to the delivery team and the person set the phone down and said I had the wrong number. I was eventually able to get in contact with a woman from financing when I tried to give her the reference number she declined and told me that Tesla does not partner with XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told you that I am represent Ed by lawyer but still you are calling me I am retired and XXXX. I asked my lawyer to contact you and settle this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and 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 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank is falsely accusing people of XXXX of fraud to keep SBA and other government funds out of the hands of XXXX small business owners and low income communities. The pattern is the same with dozens of people and thats just the ones that are being vocal about it. Capital One froze my account for absolutely no reason, other than me walking into their bank to make a withdrawal from my account. Even after voluntary sending in documents to prove that I was rightfully awarded the Targeted Grant Funds given by the SBA. They still held my account restricted for over a week and each day when I called for an update, their agents would speak to me in ways that were less than demeaning. When they couldnt prove that I acquired the grant fraudulently, they accused me of using the funds in a way that wasnt approved by the SBA in the less than 24 hour span that my funds were released and reported me to the SBA. Never disclosing the transaction in question at all. The only goal for them was to make sure that money wasnt going to reach me. The SBA still hasnt received the money that Capital One claimed to have sent back. The real fraud is being committed by them. They took every dime out of my account on XX/XX/XXXX. The transaction says electronic transfer but it will show up on my statement as a WITHDRAWAL. They claimed that my account would be closed immediately after and it hasnt. Ive made several request for the account to be closed. Instead its still open, at a {$0.00} balance and restricted. Capital One Bank needs to be audited from top to bottom because clearly something is going on that is illegal, unethical and XXXX motivated. The screen shots that Im including are from a forum of people talking about their experiences with Capital One. I dont know any of these individuals but amazingly we all had something very obvious in common. I wasnt completely convinced until I spoke with a old coworker who has been with Capital One for over 15 years ( Still as a teller ). She told me Please stay persistent in this fight. She is seeing exactly what Im saying daily and it sickens her but she needs her job. All you have to do is put into your XXXX search bar Capital One Froze My Account Because of SBA Funds and its so many of US its beyond obvious whats happening here. Way too many to count. There was also a segment on my local news about them doing this very thing to a XXXX Man who was a small business owner. Of course due to the media attention, they quickly released his account after the news interview aired. The Consumer Finance Bureau says that its here to protect the consumers, well we need protection and answers for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. LoanDepot refused to refund me the payment ( {$3200.00} ) made on XX/XX/XXXX ( via automated on XX/XX/XXXX ) Payments made in XX/XX/XXXX : A. XX/XX/XXXX for XXXX Mortgage ( {$3200.00} ) B. XX/XX/XXXX ( Paid through automated system on XX/XX/XXXX ) for XXXX Mortgage ( {$3.00}, XXXX ) C. XX/XX/XXXX paid {$3200.00} upon the report on the XX/XX/XXXX that the payment of XX/XX/XXXX was returned. SECOND PAYMENT MADE TO LOANDEPOT DUE AS THE MONTH WAS ENDING SO AS TO AVOID A " 30-DAT LATE ''.

D. Payment made on my XXXX XXXX account to LoanDepot on XX/XX/XXXX and IT WAS NEVER RETURNED E. Claim ( Claim # XXXX ) established with XXXX XXXX based on the LoanDepot 's report that the payment of XX/XX/XXXX was returned on XX/XX/XXXX for NSF. 

F. XXXX XXXX gave a TRANSACTION # XXXX and confirmed that the payment was made to LoanDepot on XX/XX/XXXX. 

G. A three-way telephone call was done with me, a XXXX XXXX staff, and a Loan- Depot staff called XXXX ( Extension XXXX ). In this meeting, XXXX confirmed the above transaction number and requested that I faxed my bank statement to convince LoanDepot that the XX/XX/XXXX was not returned. I faxed the statement to him as requested and he called the following day to confirm its receipt. 

2. LoanDepot reports unfounded " 30-DAY LATE '' RUNNING CLIENT 'S FICO SCORES A. We paid our mortgage around every XXXX because of the way we are paid at our jobs in the last 5 years. 

B. Payment returned on XX/XX/XXXX was not communicated on time and my husband 's bank never did also ; resulted in payment going through in XX/XX/XXXX. 

C. Contacted LoanDepot to please do a courtesy removal of this late payment having been doing business with them in almost 5 years but they explained it wasn't possible and I forgot about it.

D. In an attempt to refinance, it was discovered that they reported UNFOUNDED " 30- DAY LATE IN XXXX, XXXX. Please see the attached. 

E. According to my husband, LoanDepot presented two ( 2 ) payments for the month of XXXX which messed up his account, later resulted in a " 30- Day Late '' as the payment went through on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as 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 explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I appied for a Citi Bank secured card approximately two weeks ago. I called there approval Department and the representative said I was approved for an account with Citibank and that I will receive the instructions in the mail to set up my account. On XX/XX/2018 I receive information that my application was denied

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 2018-12-20
Company: EQUIFAX, 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 status incorrect

Complaint:
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why Equifax, XXXX   and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: MN
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:
Equifax these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX XXXX and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT Equifax no Im not happy I need to know who removed XXXX account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XXXX/XXXX/2020 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to Equifax credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Moreover, I certify that I am authorized to initiate this dispute under FEDERAL and STATE Legislation. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or something utilized my personal information without my consent to apply for products, services, or money and was successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
We had a lease XXXX XXXX with BMW Financial Services, which we were making all our payments on time. Then the car was part of a XXXX  which XXXX XXXX considered a " XXXX  XXXX  '' and they were paying BMW Financial for the vehicle. This was around XXXX XXXX XX/XX/XXXX time frame. I never heard back from BMW Financial from that day on. So in XX/XX/XXXX, we returned my wife 's XXXX XXXX lease to the dealership, and on XX/XX/XXXX we received our final billing of the lease which I called in the same day to pay off, after paying off my wife 's lease with XXXX, the representative asked if I was interested in paying off my other lease, I told him I did not have a lease with XXXX, that my XXXX was owned by me. He said there was a balance due for the XXXX XXXX that was totaled in the accident. I total him that XXXX XXXX paid it off, and he replied that their was still a balance for overage of mileage and lease turn in fees. I asked why no one called me, or emailed me, or sent a letter, he told me that a letter was sent out in XXXX, and I told him I never got it. I asked if it was sent certified mail or by XXXX or XXXX, in which he stated was just regular mail. I said ok, well what is the balance and paid him that day in full. I decided to pull my credit report and noticed that BMW financial reported to my credit bureaus agencies that I missed over 12 months of payments, and my account was in collections. Now how can some company report that I missed payments without sending me a bill each month? Or any type of letter of the debt I owed? XXXX is saying they sent a letter, but have zero proof of this letter being sent, no tracking nor certification of delivery. In read some credit laws, I thought New York and Florida laws stated a creditor must send their clients a bill at least quarterly of the debt owed to them. I never even got one letter but they said they did just 1 letter, plus my account was sent to collections but I never got a call, email, or letter of a collection going on. 

I think BMW Financial Service has the responsibility to show their clients actual proof that they sent a bill, invoice, or letter of the debt to their customers, and not by show us a copy of the letter. There is zero proof it was mailed and zero proof that I received one. I never missed a payment in my life and now this is affecting my credit score. I tried going through credit bureaus and better business bureau and XXXX response is they sent a letter once and its a courtesy if they want to contact me about a past due balance. If that is true, then how can they report missed payments each month to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXXXXXX XXXX XXXX  ) and Account # XXXX ( XXXX XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for, and received, a Chase Sapphire Card ( the Card ) from J.P. Morgan Chase ( JPMC ), paid the {$95.00} annual fee, but never received any of the many benefits that JPMC promoted as essential features of the Card.

This is a breach of contract which, of course, does not fall within your jurisdiction, but it is a UDAAP. JPMC billed me {$95.00} in exchange for a raft of benefits and services that they did not provide and I did not receive. It is a fraud. 

In XX/XX/2019, I applied for the Card. In so doing, I agreed to pay the {$95.00} annual fee associated with the Card, but solely because of the manifold benefits that accompanied the Card and widely advertised by JPMC. This quid pro quo of a bounty of benefits was the sine qua non of my willingness to pay the {$95.00} annual fee. Absent these highly touted, and expensive benefits, I would not have been induced to apply for the Card.

In order to enjoy these many, many benefits, one needed to establish online access to the JPMC Card platform. Without this access, there was no way to avail and redeem the manifold benefits. As you can see from the several pieces of correspondence, which reflect my utter frustration, and despair, with JPMC, despite arduous, lengthy and repeated efforts on my part, JPMC failed to honor its part of the bargain to provide me the benefits of the Card. We all have any number of war stories as consumers confronting the inefficiencies of Corporate America, but in my own personal annals of interactions with corporate behemoths, this level of ineptitude and shoddy treatment ranks very high ) or low? ). No less than a dozen JPMC employees were unable, perhaps incapable, of solving a simple issue for a basic credit card customer. To be sure, I am not blaming any individual employee - - these employees may lack adequate training, are probably distracted by multi-tasking, and no doubt were stymied by inscrutable internal policies. But, the fact remains that this episode would be comical, if it were not both alarming and tragic. And, it is a UDAAP, in my view. JPMC effectively stole my {$95.00} - - I received none of the benefits and advantages that came in exchange for the fee. 

After approaching the half-year anniversary of this tawdry saga, without having received a single promised benefit, I concluded to terminate my contractual relationship with JPMC and assert my right to recoup the {$95.00} annual fee that JPMC had not earned. 

As you can see from the JPMC correspondence, they sent form letters blaming my telecom company which was demonstrably false. They had uninformed personnel call me, leave messages and then fail to timely return my calls. They offered solutions that did not work. Perhaps not a UDAAP in itself, but very poor customer service. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/2021 They are listing a bankruptcy on my report when I asked the method of verification to list that they stated the courts. I contacted the bankruptcy court they replied they do not provide bankruptcy information to credit bureaus. Ive asked for the documentation showing the verification and they have produced no such thing. Ive recently provided them with a copy of the courts letter stating they do not provide credit bureaus with such information. They still said it was verified.

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