BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-02
Company: U.S. BANCORP
State: WI
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:
My XXXX lease ended in XX/XX/XXXX or XX/XX/XXXX. I turned the car in a few days before the end of lease as I was leaving on vacation and had chosen the next car to lease. I have leased many XXXX ; this may have been my fifth or seventh lease. I have never been charged for excess wear and tear. Again this XX/XX/XXXX, I was told that XXXX XXXX had looked over the car and was willing to accept it with no additional charges due to the careful way I keep " my cars. '' I had had scratches and small dents repaired twice during the time I leased it and also purchased new tires in the fall of XX/XX/XXXX before taking a trip. Returning the leased car has never been a problem ; I have simply returned it to XXXX or the predecessor owner of the XXXX, WI., XXXX dealership. I believe I was told that XXXX would ( probably? ) be purchasing the car I was turning in and they knew the condition of the car in response to my telling them I had received a letter or call stating I needed to have the car evaluated by the bank ... so I could ignore that call. <P/>But then I began receiving letters from USBank starting that I owed them {$1500.00}. This came after I had turned the car into XXXX XXXX. They listed small scratches ; it appears they expect me to turn in a car that is completely untouched after a three year lease. <P/>I have talked with the sales person and the sales manager at XXXX XXXX in XXXX, WI., and they have said XXXX would deal with it. But I have had difficulty reaching those people again/or getting them to return telephone calls. I have given them weeks in between calls to have some information to give me. I have no reason to believe they have done anything regarding this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: GA
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 did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - XXXX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

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 2021-12-09
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XXXX XXXX was a victim of fraud. I called Citibank because I felt something was wrong after I got off the phone with a XXXX employee who transferred me to a different department to resolve my issues with stopping a automatic deduction on my checking account. They Put in an investigation in however came back and said that my claim was denied. So Citibank wont honor a claim for a fraud victim. To make matters worst I repeatedly called, visited branches to get my checking plus line of credit transferred to the new checking account no results was told it cant be done. I asked for the old checking plus to be linked to my card so I can pay it that was never done then they charging me late fees and ruining my credit. I mess eventually told by a personal banker at the XXXX XXXX, New York location that my checking plus account could not be transferred to my new account. If I wanted to use my checking plus account that they would have to remove the fraud freeze and if any unauthorized transactions took place I would be held liable. This has been a nightmare not only was a victim of fraud by criminals, I am also a victim of Citibank. My credit score dropped over 40 points during the time.

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 2018-01-17
Company: Service Finance Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
A contract was written on XXXX XXXX, 2017, for various services to be performed by XXXX XXXX XXXX ( State Lic. # XXXX ). Included were Photovoltaic Panels, solar water heater and panel, solar attic fan, insulation, a variable speed pool pump, and 1-time roof remove replace. Also mentioned, was that the inverter would have a wifi monitoring system, and routine maintenance. " We would know if there was a problem with your panels before you did. '' is what we were told by the sales representative. 

We never received a wifi monitoring system, and the company does not monitor the panels like we were informed. 

We attempted to contact XXXX about the 1-time roof remove replace, after hurricane Irma had us file a claim with our homeowner 's insurance. We did not receive a response until we filed a formal complain with the financing companies. 

XXXX is now under the impression that we were requesting the solar panels to be removed, while we get our roof replaced, to which they denied. They stated that the notation on the contract was only for the solar water heater panel to be removed and replaced. 

XXXX offered to replace my roof at a " good price '' to which they would remove the panels and replace them, but I pointed out the 1-time roof remove replace was already included in the contract. 

I informed XXXX that I was seeking counsel for the contract and they stopped speaking with me, and told the finance companies that they would not speak with me any longer, due to seeking assistance from an attorney. 

The contract in question was for {$24000.00}, which included ; blown insulation, solar attic fan, 80 gal solar water heater and panel, a variable speed pool pump, and 1-time roof remove replace. 

I 've made several attempts to resolve directly with XXXX Contracting. I filed a formal dispute with the finance company ( Service Finance ), regarding the contract not being fulfilled. It seems like XXXX is confused or misinformed of what the contract includes, and what the dispute is regarding. I am disputing the installed inverter not having a wifi monitoring system ( which the inverter is fully capable of ), and the removal and replacement of the roof on my home, as noted on the contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: IL
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 currently applying for a mortgage and in reviewing my Experian credit report I noticed that there is an account with XXXX XXXX XXXX opened XX/XX/2019 on it that does not belong to me and is in arrears causing massive damage to my credit score and preventing me from getting a mortgage. I had received alerts that my information had been found on the dark web/ black market as far as my personal. I informed Experian about it and told them that the XXXX XXXX XXXX account does not belong to me that it is fraud. I have been fighting with Experian for over 60 days with this matter and I need this account removed. I have been advised by my attorney to file legal ACTION against XXXX and Experian to cure this matter. I have provided PROOF OF A POLICE REPORT SUPPORTING MY CLAIM and Experian is still ignoring it. I have not received any information from XXXX XXXX XXXX or Experian concluding their investigations. This is not my account. It is illegal to report incorrect information to the credit bureaus. The XXXX XXXX account has not been verified with any documentation stating that this account belongs to me. No name, no number, no letter has been provided to prove that this account belongs to 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 2019-02-11
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 fraud alerts or security freezes

Complaint:
XX/XX/2019 Experian PLC I have had problems with credit report abuses. I found I could put a freeze on my credit reports. Because of the problem I wanted to put a freeze as soon as possible on my reports. 
We are retired and are full time cruisers on a small yacht. We are currently cruising the XXXX until XXXX when we will return to the States. 
I had no problem setting up my freeze with XXXX. When I tried to set it up with Experion, It refused my request and told me that I had to send information in by land mail and they would review it. 
We do not have access to safe land mail out of the XXXX so I tried to contact them via email but they do not provide an email for that contact. 
Now, I can not secure my credit report from fraud and being that they are one of the top 3 reporting companies, we as consumers, are required to deal with them. Yet, they refuse to allow me to contact them via the only method I have available and refuse to allow me to freeze my account and make it safe. With an email contact, I could send them whatever information they need : ie. Drivers License copy. But, they refuse to do so. 
I consider this a violation of the Legal aspect that binds them and want to file this complaint.

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 2017-11-28
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i called the company nelnet to discuss about getting all of the late payments received from my account and they said they can only do the ones from XX/XX/XXXX and the department of education would have to remove the other ones. I also contacted them today which is XX/XX/XXXX and which they said they do not remove late payments in which Nelnet told me that they do. Then the department of education goes to tell me that all of my loans are consolidated with XXXX which i did not know because i was not informed on anything. The only thing i want is that all of my late payments from each credit bureau to be removed because from what i understood my loans are current. i feel like they are giving me the run around and i was not informed what was goes on about my account because they had the wrong information on me was not contacted. as of right now i have all the loans in a income based repayment and i guess consoliated too. Those late payments are stopping me from getting a house messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I set up automatic payment on my account and to my surprised I was marked late several times after calling in to speak with someone to correct payment error and fix the problem the company wouldnt correct the wrong reporting.Im upset and wished I never use this bank for finance on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: First Data Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I noticed three consecutive unauthorized charges on my account from that date. The first was to XXXX XXXX DVRS ( a known fraudulent charge ) for {$10.00} from XXXX XXXX, Florida. The next two were both to XXXX XXXX in XXXX XXXX, New York one for {$67.00} and the other for {$200.00}. I contacted XXXX XXXX immediately and had to talk to 3 different people and was told there was nothing that could be done at that time as the charges were only pending but I could contact the companies responsible for the charges and have them reversed. I contacted XXXX first and was advised they had no record of the charges in their online system. They were charges made at a retail location and I would need to contact my bank to have them removed. When I called the number XXXX XXXX provided for XXXX XXXX, I was advised that this number was no longer in service. I contacted XXXX XXXX again on XX/XX/XXXX regarding the charges again. The two charges from XXXX were no longer pending and I was advised they could be removed if I called back once they were not pending. This time I was told all they could do was issue a dispute and I would not get my money back but they would issue me a new card at no charge. They charged me {$5.00} for the card and no dispute was submitted. I called again on XX/XX/XXXX and was told to stop calling because I was responsible for all the charges because I gave someone my card and I would not receive and credit or a new card and my old card was now cancelled so I would have no way to access my funds going forward unless I transferred them to another account and paid a fee to do so every time. I am out the {$280.00} stolen from my account plus the {$5.00} and have lost several hours of work trying to get this resolved. I also am in Ohio and have been the entire time these charges were made which should tell them that I could not possible make it from XXXX XXXX, New York and back to Ohio to call and dispute the charges or even make the other charges on my account in my area that same day. The representative named XXXX advised me that I can not give people my card and then dispute the charges just because I do n't want to pay for them. When I told her the card was never out of my possession and I did not authorize anyone to use my card. She told me " Yeah right. That 's what they all say ''

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 2018-01-17
Company: EQUIFAX, INC.
State: VA
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:
unethical behaviour on the part of Equifax I have called everyday since XX/XX/XXXX and they told me that my addresses do n't match up and that is why I ca n't get online to do my disputes. I have faxed 2 seperate copies of my information that you all requested and mailed it and nothing. Everyday is just wait 24 hours, just wait 48 hours. Then today ( XX/XX/XXXX ) it  is the system is n't working and the system still have my old address please send me that information. I just want my address in the system changed to XXXX XXXX XXXX XXXX, XXXX, VA XXXX as my current address so that I can get into the dispute system. No I do n't not want you all to do it for me because this is my file and I believe that you are making it so I ca n't get in. That is illegal for you all to hide my credit file from me because it is mine. My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company will not provide proof of debt. Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit on that date. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond. 

They responded to my first complaint saying they had no clue who i am and at the same time responding to a BBB complaint that they know who i am and they just have n't received the letters. A lot of deceptive practices from this company. 

( We have located an account in our system that matches by her name and phone number on her complaint. From the BBB ) I  have sent letter to these addresses listed on your website and my credit report Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Operations Center XXXX XXXX XXXX XXXX XXXX, TN XXXX I am even going to provide the account number listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i Have a current loan with OCWEN mortgage. They agreed thru a bankruptcy court action, via a signed agreement, that they would honor a former modification applied for in 2011. Approved thru my BK # XXXX plan and signed by the JUdge. XXXX decides at a later date they will NOT honor the signed agreement. I had to obtain services of a lawyer to force them into agreement last summer. On XX/XX/XXXX, same year they file a NOD, after agreeing my loan was current. They now have just filed a NOS. They refuse to honor signed modification or agreement done thru XXXX last year. In addition, they refuse to accept current payments on my loan. I now face having to refile XXXX. I also had to spend another {$5000.00} in legal fees to bring a federal action. Can CFPB help me in any way to open investigation into this matter? I only have limited time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I filed a dispute for sunrise credit services with XXXX and they are saying i owe XXXX for whatever services that I dont even have or am aware of in XX/XX/XXXX of last year I lost my wallet and had to replace everything I dont appreciate this being stated that it which belongs to me and it doesnt .I dont even own a contract phone because I was always afraid it would mess up my credit that which Im trying to build

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 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
MY COMPLAINT IS AGAINST 'CAPITAL ONE BANK XXXX  CARD ; ' ACCOUNT NUMBER ENDING IN XXXX ; ' I PAID THE XX/XX/XXXX STATEMENT, IN PERSON, AT THE XXXX NY BRANCH, ON XX/XX/XXXX -- FIVE DAYS BEFORE THE DUE DATE ; BECAUSE I INADVERTENTLY PAID THREE ( 3 ) DOLLARS LESS THAN THE MINIMUM, I WAS CHARGED A {$39.00} 'LATE FEE ; ' ON XX/XX/XXXX, REFLECTED ON MY STATEMENT DUEXX/XX/XXXX ; I QUESTIONED THIS 'LATE FEE ' WITH MY REPRESENTATIVE ( XXXX ) AT MY BRANCH IN XXXX XXXX NY , WHO SAID SHE WOULD CALL 'THEM ; ' ON MY BEHALF ; SHE THEN CALLED ME, AND SAID TO CALL 'THEM, ' AND 'THEY ' WOULD REMOVE THE {$39.00} 'LATE FEE ; ' AS A RESULT OF MY CALLING THE 'CUSTOMER SERVICE NUMBER, ' I WAS TOLD 'WE DO N'T REMOVE LATE FEES ; I SUBSEQUENTLY CALLED THE VIRGINIA CORPORATE 'CUSTOMER SERVICE ' NUMBER, AND SPOKE TO AN 'XXXX ; ' AGAIN, SHE REFUSED TO REMOVE THE 'LATE FEE, ' BUT INSTEAD 'GRACIOUSLY ' DEDUCTED ' {$39.00} ' FROM MY SUBSEQUENT BALANCE ; IN OTHER WORDS, THIS BANK REFUSES TO ACKNOWLEDGE THEIR MISTAKEN LATE FEE CHARGED BECAUSE OF A LOUSY ' {$3.00} SHORT ' PAYMENT ; WHICH COULD EASILY HAVE BEEN ADDED TO MY NEXT BALANCE ; TO BE CHARGED A 'LATE FEE ' DESPITE MY '5 DAY BEFORE DUE ' PAYMENT IS PATENTLY ILLEGAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
So I mailed a letters on XX/XX/2022. Here is my tracking : XXXX XXXX, XXXX XXXX, TransUnion - XXXX, To delete personal information from my credit report that I did not want. My federally protected consumer rights have been obviously violated, according to the Fair Credit Reporting Act sections : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

[ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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 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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation 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 explanation