BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: MoneyLion Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid MoneyLion and I have requested for it to be updated on all of the credit bureaus. Document attached. I requested several times for them to update based on the letter received.I was also advised from MoneyLion that it was updated to XXXX. Why are they still charging me.

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 2018-04-03
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX / XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX BMW Financial Services discussed the Lease Termination Options, I was assured I would receive a refund of the additional fees. 

On XX/XX/XXXX BMW Financial Services discussed the Voluntary Surrender Process with me, I requested information about Military Early Termination. 

On XX/XX/XXXX BMW Financial Services discussed the Military Status Option with me, since I had already turned the vehicle into the BMW XXXX where I originally leased it. 

On XX/XX/XXXX BMW Financial Services discussed the Early Termination Options, and explained that I would be refunded any fees that I had paid in excess. 

On XX/XX/XXXX I received payment confirmation notification from BMW  Financial Services, stating they had received my payment of {$8900.00}. 

On XX/XX/XXXX BMW Financial Services sent account Paid in Full letter.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX. XXXX XXXX & XXXX XXXX. ) the XXXX XXXX XXXX XXXX / XXXX was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}. I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX / XXXX. 

This vehicle was not titled, tagged or registered, I was overcharged {$2100.00} when I leased the vehicle. 

XXXX XXXX XXXX XXXX XXXX stated that it never received any title paperwork or leasing documents on this vehicle. 

When I paid the early termination I was charged again for registration, title, tags, and fees. How many times am I supposed to pay for tags, title, etc? I am a Florida Resident therefore I am tax exempt, I provided all affidavits and necessary paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a settlement check in Bank of America atm onXX/XX/2019 around XXXX Eastern time in the amount of {$9100.00}. My receipt printed with a entire hold on my check until XX/XX/2019 @ XXXX for funds availability. I read BOA check holding policy it says 2-3 business days. It shouldn't take 9 days for a check to clear. How can they estimate when my check gets cleared. It could clear in 3 days but I was advised I still wouldn't receive my funds until XX/XX/XXXX. I called customer service for Bank of America and no one could explain to me why they are holding my deposit for that long. I am extremely disappointed and I want answers.

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 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, This has been an ongoing issue since XXXX XXXX. In late XXXX of XXXX, I called Capital One to advise my payment would be late, I also asked at that time if the late fee could be waved as a courtesy. The rep I spoke with said yes it would be, and to call back when my payment had posted. I made the payment on XXXX XXXX. I called back and was basically given the run around. At this time it was {$23.00}. Instead of complying with the customer, and just giving me the credit, I had the unpleasant misfortune of speaking to a few gentleman, that were very rude. With the exception of the first rep I spoke with. 
Endless calls, being transferred to this department or that department etc etc. Over at that time {$23.00}. This has now escalated to them demanding {$100.00}!! I paid XXXX payment on time as well as XXXX. Before the due date of the XXXX. I firmly believe this is unfair business practice. Now the endless calls have started. 
I am so done with this. I am a senior citizen with 2 XXXX XXXX. Stress from this issue is not helping matters. If they had done what they said they would do, which was to credit that one late fee, this would not be happening. I 'm very upset about this. 
This is my second attempt to get resolution in this matter. My account right now should be current with the exception of owing my next payment which is due XXXX Extremely frustrated and stressed over this. All this for a late fee that they said they would credit me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: AZ
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, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. XXXX5 USC 1681 section 602 A, states I have the right to privacy, 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,

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 2019-04-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year a complaint was filed against XXXX, and now the same debt appears on my credit but under a different collection company, " Diversified consultants ''. 

I have no knowledge of this, I have never done business with XXXX ( and never will after this ). 

I have been living at the same address for 28 years with the same phone number for over 12 years, I have never been contacted on this matter. 

The only reason I am aware is because I check XXXX XXXX and I have automatic notification every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine and Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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: Their investigation did not fix an error on your report

Complaint:
I had internet service with XXXX XXXX for a few years. XX/XX/XXXX I started to experience a lot of problems where the internet would go down for hours at a time. XXXX XXXX did not resolve the issue, therefore I terminated my service with them in XX/XX/XXXX. I had automatic payment setup and did not have a contract. My last payment came out of my bank account on XX/XX/XXXX. A couple of years later I checked my credit report and discovered that XXXX had turned me over to a collections agency ( XXXX XXXX ) for {$71.00} ( one month service fee ). I had disputed with the other two credit bureaus and both removed the collections. However, Equifax is being impossible. I submitted my first dispute XX/XX/XXXX explaining the whole situation and lost it. I submitted my second dispute XX/XX/XXXX explaining the whole situation again and even included my bank statement from XX/XX/XXXX providing proof that this balance was paid. I just checked the status, and again lost the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TN
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Financial Accounts Service Team Inc.
State: TN
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:
Early XX/XX/2019 I received a collection letter from XXXX XXXX XXXX ( aka Financial Accounts Services Team ), located at XXXX XXXX XXXX, XXXX TN XXXX stating that I owe a debt of {$200.00} to them for a check that was written to XXXX. I disputed the debt and asked FAST to provide verification that this is a legit debt they are attempting to collect. This debt was paid in full to a previous collection company that had the debt prior to XXXX XXXX XXXX. 

I communicated with XXXX that the debt they are attempting to collect is not accurate and that it was previously paid to the collection agency that had the debt prior to them. They have have since placed this collection on my credit report. 

Please assist with getting this inaccurate collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called XXXXXXXX XXXX today XX/XX/18 to pay off my remaining balance of {$3500.00}. I was told that my payment couldn't be processed because they do not except Credit Cards nor Debit Cards. I was never told this prior to taking out a loan. The company says that they are non-profit but obviously they are profiting off of students interest rates. 

The person I spoke to gave me a sob story about how they have been burned in the past with stolen Credit Cards and that is why their policy is the way it is. Then later in the conversation she said well we never excepted Credit Cards nor Debit Cards ... misleading and lying to students doesn't really seem professional. 

I want to pay my student loan off, I have great credit, and a 0 % interest rate for 15 months. So what is the real reasoning for their idiotic policy? Tender is tender, why hasn't XXXX been introduced to the 21st century?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Never received {$100.00} bank says is in my favor. And {$100.00} has no merchant. I request {$200.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Bread Financial Holdings, Inc.
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:
Mailed Check to XXXX paid for USPS tracking XX/XX/18 Payment mail to correct address. They received payment XX/XX/18 Checked my XXXX Visa on XX/XX/18 no payment! 
Called got a big run around. Checked every other day online & phone calls. Nothing Workers not helpful. 
Call my escrow company they email me a copy of the check-also the check did clear!! 
Email them copies of cleared check front & back on XX/XX/18 ( copy enclosed ) Please review letter dated XX/XX/18 Gave them information needed front the start. 
Now this letter is stating that finish the investigation!! 
What did they investigate? 
You will see from the start I gave them copies of front & back of check. 
Also the escrow have record. 
What up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: OR
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:
FRONTIER COMMUNICATION - Account closed and paid in full. They reported additional amount due. No contract and additional amounts incorrect. I tried multiple times to remove this debt from XX/XX/XXXX. 

It is now XX/XX/XXXX. THIS CAN NOT BE REPORTED ANY LONGER. NOT A VALID DEBT FOR REPORTING PURPOSES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I was told through oral communication that in order to get a loan for a lease on the new vehicle, I would have to share the detail to the car dealer. And that it would be only a soft pull on my account and not a hard inquiry. 

They gave me a form and I was asked to fill the details, which I had to provide to them, hoping that it would be only a soft inquiry. The sales representative I dealt with was by the name XXXX. 

After getting my ssn and other details, they made me wait for hours together, telling me that they were trying to get me a loan approval for the lease. And I didn't know what happened in the background and I was made to wait for hours. And finally I left since there was no response from them. They didn't provide me any details or ask my permission for trying with more than one vendor, they simply used my details to play around and I had to sit there and wait on the premise that something was delaying for a simple soft pull on my account. I was misused for their business strategy and they wanted to run through my details to all lenders. I figured out this only after looking at my credit karma report, showing multiple hard impacts. 

When I checked my XXXX XXXX account for XXXX, i realized that there were two hard inquires on the same day XXXX the XXXX. Which I never authorized. I was mislead in saying that it is supposed to be a soft pull and got exploited of the business tactics. I would have never gone in for a hard inquiry if I had known, because I already knew that it wouldn't have been a right thing to do. 

Kindly do the needfull. I feel very bad for being exploited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: NC
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to XXXX about inquiries on my report to delete and investigate and havent received no results yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX I paid {$200000.00} to my duplex for a {$60000.00} mortgage. They foreclosed on my property for a {$53000.00} balance XXXX XXXXselect portfolio servicing. 
I have paid {>= $1,000,000} to my house for a {$260000.00} first mortgage and an {$82000.00} second. They say I still owe {$250000.00}! 

XXXX I paid {$160000.00} for a {$33000.00} mortgage I assumed {>= $1,000,000} for XXXX I was given. 
{>= $1,000,000} interest and {$0.00} to principal Less than {$700000.00} total principal and interest due leaves {$860000.00} for taxes and insurance and credit card balances of about {$250000.00} total. 
There is at least {$650000.00} missing. 
And I owe {$0.00}. 

Of that {$650000.00} XXXX owes me {$50000.00} XXXX XXXX owes me {$160000.00} the extortionists at Select portfolio servicing owe me {$230000.00} The current statement balance is {$210000.00} I already overpaid to the other two {$37000.00} i never owed and {$10000.00} paid to shortages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation