BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on the covid deferral. I spoke with someone on XX/XX/2021, who told me that my first mortgage payment after coming off the plan would be XX/XX/XXXX. I have sense spoke with 4 different people in regards to the bank stating I missed my XXXX and XXXX payment. I have also paid {$2000.00} on XX/XX/2021, that should have been applied to XXXX payment. They distributed {$1100.00} to XXXX and put {$890.00} in suspense, and are saying I owe XXXX and XXXX now. I advised that per the convo on XX/XX/2021 my mortgage shouldnt be due until XX/XX/XXXX and the rep advised she was sorry that I was told that and that we are human and make mistakes but that isnt true. If I was told this and it is recorded, why is this not being honored. Now I am worried that my home is going to be foreclosed on and This is going to impact my credit file.

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 2019-03-12
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX. 

36 month lease on a XXXX XXXX  XXXX. End of lease XX/XX/XXXX. Lease paid on time every month {$920.00} 33 installments all on time. Vehicle was turned in with 2 key fobs end of lease fee was paid {$330.00} even with an initial payment of over 5k. Vehicle was also turned in with an upgraded wheel including OEM 20 '' tires and TPMS. BMW Financial did not close out the lease in addition tacked on another {$900.00} in unknown fees. Several disputes have been filed with the credit bureaus. I even went to XXXX XXXX XXXX XXXX, NJ directly to resolve the problem to which they said on numerous occasions it will be fixed. Then XXXX of XXXX sold the vehicle at auction with the more expensive wheels and tires I Paid for and I was not reimbursed. They still several months later have no provided me with any documentation on what the extra fees are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, my husbands online banking was hacked into. As a result of the hacking, the hacker was able to wire out {$27000.00} from our joint savings account. The hacker then was able to XXXX the remaining {$3500.00} from my husbands account to my account. The hacker called my husband after the XXXX transfer to my account was completed and stated that I needed to decline the XXXX transfer. I logged into my online banking and pressed the decline button on the {$3500.00} XXXX transfer. When I selected the decline button, the {$3500.00} did not get sent back to my husbands checking account where it had been originally sent out of. I have filed several claims with Well Fargo explaining to them in great deal of the situation. They keep denying my claim stating that there were no processing errors. My husbands claim for the {$27000.00} has been resolved, however after several attempts of filing my claim for the {$3500.00}, they are still denying my claim. These claim have also been escalated to the executive office 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 2022-08-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For years -- yes, for years -- I have been unable to get a credit report from Equifax. 

Whenever I go through the process of verifying my identity, the recorded voice tells me that they could not verify me. But I'm quite confident that I answer the questions used to verify my identity correctly, since I refer to a different credit report to confirm dates and accounts before answering the questions. I went through this twice today, XX/XX/2022. 

When I couldn't get my identity verified through their automated system, I wasted a couple of hours trying to get my an agent to provide my credit report and unfreeze my credit. I waited on the phone for well over an hour before finally giving up. Equifax 's phone queue doesn't provide an estimated wait time or the chance to request a callback. How long am I supposed to wait? 

I tried using their " myEquifax '' portal but could not log in and they would not let me reset my password. I could not create a new account because they told me I already had one. So using the telephone is my only option outside of the lengthy process of collecting a variety of personal information and sending it for verification. 

This is ridiculous. The other credit bureaus have no problem confirming my identity. What's wrong with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2022-10-23
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My personal information continues to get mixed with my father whose name is XXXX XXXX, XXXX. I continuously request the bureaus to correct my personal information with no results.

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 2023-08-11
Company: Upgrade, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : UPGRADE INC XXXX UPGRADE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( UPGRADE ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Therefore, I sent them a letter on XX/XX/2023 along with a copy of my drivers license and a copy of a utility bill to verify my identity. 

I provided them 10 calendar days to update my Payment history and or delete all late payments from the below account/s. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I called Direct Express to order a card. 

On hold over 3 hours and an agent answered. I said a needed a card. She said she needed to transfer me to another agent. Hours more on hold and no answer. It's been going on for days. 

Can, should I even trust them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a loan for a small business a few years back- XXXX XXXX. Right before the Pandemic started, there was a downturn in the market and my business was going under. My loan was sold to a collection company, CK Prime Investments. No one informed me my loan was sold, it just showed up on my credit. 

I went to a debt repayment company, XXXX XXXX ( XXXX XXXX  ) to pay all outstanding debt from the failed business venture, including from CK Prime Investments. They have been a headache from the start. First, both XXXX XXXX and XXXX were reporting the same debt, the debt was incorrect, when the debt repayment company made an agreement with them, I was to have the account paid in full by XX/XX/2021. I paid the account IN FULL XX/XX/2021, and they have continually to falsely report an outstanding balance of almost {$5000.00}. 

I have contacted them by phone, submitted disputes through the credit agencies and they are still lying about me having an outstanding balance. Feel Free to contact the Debt Repayment Company XXXX XXXX to verify, better yet ask CK Prime Investments if they entered into an agreement with them on my behalf and what is my current balance... These collection agencies falsely reported information on our credit reports has to be against the law. It appears they are trying to get more money from us, that is not due to them.

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 2019-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/19 a credit card that i had for a year was closed without notice. I had auto payments and was locked out of the account and could not see any information. Was told I would recieve a letter. Today I received 3 letters from the bank 1 was a statement witha late fee the second was the notice that the account was late and the 3rd was a notice dated for XX/XX/XXXX saying that the account has been closed. I don't feel I should be incurring late fees on an account I have no ability to pay online and was set up for auto payments which they canceled when the closed the account. I feel they did this on purpose with the intent to try to damage my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX ON XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2019-03-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a fraudulent auto loan reporting on my credit that I did not sign for under any circumstances. This matter has been lingering around for sometime on my credit causing great hardship. My financial freedom has been limited for almost the past decade. I have no idea how this could have taking place without my consent.

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 2023-07-27
Company: EQUIFAX, INC.
State: MS
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 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 2020-12-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I disputed these two accounts on XX/XX/2020. i also has called them about these old accts that were past the limitation with experian and to deleted these old account that keep re -aging every month on my credit report Experian continue to tell me that its accurate without any details and proof this has been very frustrating for me to continue let them lie to me about these accounts the amount on the account is Acct:XXXX is for the amount of XXXX. 
Acct:XXXX  is for the amount of 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 2022-10-28
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:
The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX; XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has be settled and documentation signed by creditors legal representation confirms. Creditor reporting inaccurate & false information contrary to settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After opening a new account earlier this month, I deposited my very next paycheck via mobile upload. I was fully expecting to wait a few business days for access to my money. After 5 days, and letting my account go into withdrawal, I looked closer at my account, and was notified that on XX/XX/XXXX .... 12 days after depositing my check, my money will be available. If I had been notified beforehand, or upon completion of the upload of my check, that this would be the case, I would have decided differently. Like most people, I live from paycheck to paycheck. I am a nurse who drives to work, and must purchase gas and food for the next XXXX weeks, until my next paycheck. I can not afford this extreme surprise so early in our relationship. I went to the bank in person, and was told there was nothing they could do. No concern for how I'll live or eat or commute for the next XXXX weeks, no looking into any way of resolving this issue. No attempt to provide options. I felt like a XXXX in a new place where I hoped to save money, and grow it while making life a little bit easier. 
Quite the opposite was what i found. 
I have since had to borrow money to buy gas and food and utilities. Rent is not due for another XXXX weeks. I am so glad. This could have put me in the streets. Thank you for listening, and providing a way to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, XXXX notified me that I have received an " inquiry '' from Navy FederaXXXX which was not authorized from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: States Recovery Systems, Inc.
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:
i paid a collection account off in full to my dentist, unknown to me the outstanding account was sent to STATE RECOVERY SYSTEM in XXXX XXXX, Ca. My Dentist, XXXX XXXX XXXX of XXXX, Ca called to advise them I had paid my account in full and to please remove account from CREDIT BUREAUS.. 
This collection company XXXX the ( the actual owner ), blatantly refused to do so, stating they were not paid directly, so forget it. He even VERBALLY THREATENED my XXXX which even suprised my XXXX 
My name is XXXX XXXX, I have a PAID RECEIPT under XXXX XXXX of XXXX, California. I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: AFNI INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Afni is currently furnishing innacurate information about me to the the consumer reporting agencies. I have requested full documentation from AFNI of proof that this account belongs to me and they have not done so in the required time limit. I also have repeatedly asked AFNI to provide me their right to collect this debt. This account does not belong to me and I am requesting them to cease all collection activities and remove this negative reporting from my credit files immediately or I will file a legal suit for damaging my credit rating. This is the 4th attempt to get AFNI to comply and they have willful not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 

Wells fargo dealer services

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