BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-06
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am writing on behalf of my daughter, who purchased a XXXX XXXX XXXX from `` XXXX XXXX '' XXXX XXXX on XX/XX/XXXX at the purchase price of {$15.00}, XXXX. Now, after tacking on the astronomical interest rates and other fees the total cost of this vehicle is {$35.00}, XXXX,,,,, ,for a XXXX XXXX XXXX . 

After my daughter recently disclosed this to me a year later, that she was stressed/worried about keeping up with her Bi-weekly car note I immediately started research for any possible resolution for this dilemma that she's in. 

I didn't know where to start looking for information on ( misleading sales tactics, price gouging, or even preying on people who may have no or bad credit ), until I happened upon this website. 
She tried to refinance the vehicle at XXXX XXXX, and to our surprise was informed that it was not possible to refinance the vehicle that was only valued at {$4500.00} according to the XXXX XXXX XXXX, yet XXXX XXXX   XXXX XXXX have her bound to a contract to pay {$35.00}, XXXX. This is absolutely ludicrous!!! 
How can they legally do this to consumers and get away with it, or can they??? Is there anything that can be done in regards to this situation?

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 2019-07-06
Company: FORD MOTOR CREDIT CO.
State: MO
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:
On XX/XX/2019 i applied for pre-approval for a car loan with XXXX Bank on https : XXXX website, XXXX XXXX took it upon themselves to also run a credit report on my social security number and they passed my information on to Ford Motor Credit to run a report that was not authorized. I do not understand how authorizing one loan company run a credit check would give a used car sales lot the authority to run my information as much as they wish without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
Experian needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the XXXX XXXX XXXX credit posts on my recent hard copy of my Experian credit report , XXXX XXXX XXXX has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe XXXX XXXX XXXX cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, XXXX XXXX XXXX must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. Experian must enforce the 7-year rule as it applies to all citizens across the board. Both XXXX XXXX XXXX accounts should be deleted permanently, and a proper reinvestigation is in order.

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 2017-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting an account as being a credit card/ charge account, when in fact it is a revolving account. I have reached out to Equifax and I also have several complaints that I have expressed, but I have yet to hear from Equifax. The account that needs correction is XXXX, XXXX XXXX. Date opened : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XXXX needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the Bank of America credit posts on my recent hard copy of my XXXX credit report XXXX Bank of America has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe Bank of America cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, Bank of America must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. XXXX must enforce the 7-year rule as it applies to all citizens across the board. Both Bank of America accounts should be deleted permanently, and a proper reinvestigation is in order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX  - XXXXXXXX - XXXXXXXX - Transunion and XXXXXXXX XXXX - XXXX and XXXX XXXX - TransunionThese accounts are a result of fraud.

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 2019-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX shows from the recent post on my Experian credit report that the account is scheduled for deletion XX/XX/XXXX. However, Experian needs to do a reinvestigation requesting from XXXX the true late payment history that in my review dates all the way back into XX/XX/XXXX. XXXX cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/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 2021-08-16
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have recently disputed charges made fraudulently on my debit card. Said charges occurred on the following days, and my card was fraudulently used to make unauthorized cryptocurrency purchases via a merchant named XXXX using XXXX XXXX. The dates and amounts are as follow : XX/XX/21 - {$400.00} XX/XX/21 - {$1100.00} XX/XX/21 - {$1600.00} Previously, I had contacted the merchant whom after conducting there own investigation agreed that unauthorized transactions did take place, and had refunded me roughly {$3000.00} based on the dates I had provided them with. They also terminated my account. After further reviewing my bank statements, I noticed that there were additional charges that had taken place but were not refunded by XXXX as I did not include them in my initial report. As such, I contacted XXXX, who advised me to contact my bank for further assistance as my account has been terminated and can no longer be serviced from there end. So, thats what I did, disputing the above aforementioned charges. Wells Fargo proceeded to deny my claim and tell me that there was nothing I could do. How does it make sense that the merchant refunded me, agreeing that unauthorized transactions took place, and yet Wells Fargo denied my claim? Every attempt to follow up With Wells Fargo regarding the issue is met with generic responses and no effort to assist me whatsoever.

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 2021-08-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX ( the consumer ) living being, extended credit to American Express in XX/XX/XXXX pursuant to 15 USC 1601. American Express is a debt collector and had been misleading, falsely representing, and committing fraud. They have been sending me alleged bills which I will attach as an Exhibit of the fraud, misleading, and false representation they have been committing against me the consumer and living being. My Exhibit will show the following violations that American Express have infringed on me. 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1692d ( 2 ), 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ), and 15 USC 1605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Mr. Cooper Group Inc.
State: NY
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:
Seterus shows from the recent post on my XXXX  credit report that the account is scheduled for deletion XX/XX/XXXX. However, XXXX   needs to do a reinvestigation requesting from Seterus the true late payment history that in my review dates all the way back into XX/XX/XXXX. Seterus cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-10-09
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX, I bought a XXXX XXXX XXXX truck from XXXX XXXX valued at about {$97000.00}. I deposited the sum of {$67000.00} cash towards down payment and financed the balance of about {$30000.00} through the BB & T bank. The car note was {$640.00} monthly. I regularly paid my car note until XX/XX/XXXX when I had an auto accident wherein I suffered a sprained back injury. As a result of the accident I was unable to work and delayed in making my car note payments. However, I was able to make my payments and keep my account current until XX/XX/XXXX when the covid-19 pandemic caused a shutdown of businesses. I lost my job due to cover-19 pandemic and was unable to pay my car note. In XX/XX/XXXX, I made a {$2000.00} payment which was returned due to insufficiency of funds. I informed BB & T about my job loss, but they were not cooperative with me and refused to give me a break. Hence, in XX/XX/XXXX, they repossessed my car and removed it from my apartment. Later in XX/XX/XXXX, I contacted BB & T through my attorney to pay my arrears of about {$6000.00} to bring my account current, however, BB & T refused to accept my money insisting that I must repay the entire balance of the car note ( about {$32000.00} ) prior to release of my car. BB & T gave me till XX/XX/XXXX to make the full payment of about {$32000.00} else the car will be sold after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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 information incorrect

Complaint:
XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I applied for Capital one Secured Credit card. with an opening deposit of XXXX funded by XXXX XXXX XXXX account around XXXX XXXX. Capital one Approved my Application. They processed my opening payment. XXXX  XXXX XXXX approved the payment. Capital one then Put a 10 day hold on funds before sending out my card. XXXX XXXX I received the card. I activated card and used card, XXXX XXXX XXXX  .Capital one Restricted MY account. I was put through Identity Questions, i was cleared and accepted and account was restored. {$600.00} charge posted to my current balance. I paid {$600.00} XXXX XXXX. Capital one then placed a 5 day hold on payment. XXXX XXXX the hold was removed released my payment capital one Then restricted my account again. XXXX XXXX XXXX, i was asked series of questions i was told i needed to buy a phone in my name with a billing address that match their verification system the outcome of that i was told they will restrict my card at any time. i told them i have cricket non contract prepaid {$60.00} month to month phone with personal information like my name and my current address with my phones documents. But i am able to receive my capital one daily spent alerts on my text message, i enrolled in capital one app and was verified with my phone to register it with capital one mobile app. I was successful enrolled.2 -3 day deposit trail was processed to XXXX XXXX XXXX for verification of authorized user of account.The verification was validate and verified to capital one. XXXX XXXX my account was released from restriction. and then placed back on restriction. I was told they needed bank statements, ownership of account with bank. I provided capital one what they requested. Capital one demands outrages and violate my privacy with my bank. I have NONE RETURN PAYMENTS. I PAID MY FIRST PAYMENT EARLY. ALL PAYMENTS WAS PLACED ON 5 DAY HOLDS. AND RELEASED. I WANT CAPITAL ONE TO GIVE ME MY MONEY BACK AND CLOSE MY ACCOUNT. THAT AMOUNT IS {$440.00} THAT THEY ARE JUST HOLDING WRONGFULLY DEMANDS VIOLATING PRIVACY MISLEADING AND ODD VERIFICATION STEPS THAT REALLY PHONY SEEMS FAKE I PROVIDED ALL APPROPRIATE DOCUMENTS THEY NEED TO SEND ME MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Certified letters were mailed to XXXX XXXX and XXXX XXXX XXXX on XX/XX/2020 to validate or provide proof of the debt.

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 2018-01-26
Company: AES/PHEAA
State: DE
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:
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XX/XX/XXXXto   XX/XX/XXXXwhich are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my Transunion Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX XXXX The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

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 2018-01-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In early XXXX i opened an account with Chase Bank using their {$200.00} coupon. The terms state that if you open an account and set up direct deposit, youll receive a {$200.00} bonus within 10 days of that direct deposit. 10 days from my direct deposit was last Friday, XXXX XXXX. When i still hadnt received the bonus on Tuesday, i went into the branch on XXXX XXXX and spoke to the branch manager XXXX. She apologized for the inconvenience and said she sees that i met the requirements and that she would manually deposit the money into my account ; that i would see the funds in my account the next day and that she would keep an eye on the account to make sure i didnt receive a double deposit. So the money was supposed to be in my account yesterday. When i didnt see the money i called the branch and asked to speak to XXXX. She told me she never said Id have the money yesterday ... which i know for a fact she said that ; my boyfriend was with me and said the same thing. She said that i would have to wait 10 days after my NEXT direct deposit ... which isnt happening until NEXT Friday. So today i called customer support ; they kept me on hold for over half an hour ... .then told me there was nothing they could do ; that i would have to wait the extra 3 weeks before receiving the bonus. I made payments expecting the {$200.00} to be in my account last week. Now i have {$1.00} to last until next Friday. The 3 people i spoke to in customer suppprt were rude and condescending. I asked them to please look at the dates of everything and credit my account for the funds that were supposed to already be in there, and they were rude and said Id just have to wait. Now Im being told my only option is to go into the branch and speak to the manager again ... .when the manager already lied to me about when the funds would hit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a debt collection phone call in XX/XX/XXXX which they were told that I didnt owe any money and the call was disconnected. I received a letter ( XX/XX/XXXX ) with interest added from IQ DATA International attempting to collect debt for an address that I never resided. In addition this company is not licensed in the State of IL to collect debt and is not in compliance with the law. They have placed a collection on my credit report and I would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation