BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
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 have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: U.S. Auto Credit Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing concerning my wife and I auto loan with US Auto Credit. Since XX/XX/XXXX, my wife and I have been with this company and financed two auto loans with them. One of the vehicles was paid off early in XX/XX/XXXX timeframe which they gouge us for extra money. Which they pretty much charged us full interest as if it was not paid in full two years early. Secondly, since we have been with this company all our payments have been made on time and no missed payments. The issue that my wife and I have is they constantly harass us over a car payment every single month. With excellent payment history as being reported by our three credit bureaus report. Why are they harassing us monthly over payments? 

Furthermore, on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX they called my contact number of XXXX. I told the person that I spoke to who asked XXXX questions to verify my identity of XXXX XXXX XXXX XXXX that you get your payment every month and stop calling or harassing. Which I also asked what my total balance is. They said it is {$1500.00} I told them when the final payment is made. I will harass or call them every day until I get my title to the vehicle. So, they can see how ridiculous it is to do something like this. Lastly, I have provided proof of payment made on XX/XX/XXXX for {$300.00} along with a receipt acknowledging the payment. On XX/XX/XXXX at XXXX they sent an email listed as XXXX XXXX payment is due. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I bought a car. I started an allotment i was gone on mission then the hospital. I never knew my payment was n't being taken out. The bank said they sent letters to my house but i was n't there. They had my number yet they never called to tell me there was a problem. The company is there for military in a big wsu and i have been with them for half my career. I ca n't see why they would put me in that position knowing it was unintentional. As soon as I found out I corrected it. But if they had notified me through the contact info and means that I gave them I could have corrected it like i did as soon as i found out. I have truly been stagnated because of this. I feel like they had a major part in the late payment with the lack of notification. They refuse to fix it with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Halsted Financial Services, LLC.
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: Information belongs to someone else

Complaint:
I received a notification from my XXXX XXXX  account that my credit score had decreased XXXX points. Upon checking I saw that a collection/charge off from XXXX XXXX XXXX XXXX In the amount of {$1600.00}. Had been reported to XXXX on XX/XX/XXXX. It says the original lender was XXXX XXXX XXXX XXXX. The age of the account is 3 months, the credit limit was the highest available amount. I HAD NEVER HEARD OF THIS Company until I had seen it on this Report. I never opened this account. I do not know what this is for. I opened a Dispute claim with XXXX. On the next day I called XXXX XXXX XXXX. I left a message. I still have not heard from them. When I opened my mail later this day I got a notice from another collection agency, Halstead Financial Services. I called the number on the letter. They did not want to resolve the issue all they wanted was for me to pay the money. They said the account was opened on XX/XX/XXXX, an installment loan. The operator said it was for an XXXX XXXX  XXXX, XXXX headphones and couple of other things. She said I could dispute the account at XXXX. She also said she would have another department call me back to handle the dispute. No call back yet! Next, I called XXXX XXXX XXXX, spoke to a man named XXXX XXXX, he was very apologetic and said that he was sorry for my experience. He said that they have had problems with this happening lately. He told me that I needed to file a police report and then send it to XXXX. I called the local sheriff dept and filed a police report. The deputy told me that I also needed to file a complaint on the FTC website. Which I did. We have also reported XXXX XXXX XXXX and XXXX XXXX XXXX to the XXXX XXXX XXXX On XX/XX/XXXX I received a letter in the mail from Halsted Financial Services for this account as well. I called them and spoke to XXXX who said she was a Supervisor. They had my Date of Birth and the last 4 of my Social Security number. She told me to dispute this account by sending an Email to XXXX. Which I did. 

XXXX XXXX requested that I open a Police report which I did on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BMW Financial Services NA, LLC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2017 and 60 days late for the month of XX/XX/2017. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never had business with such company & I never lived at the original address on file for this billing. I request this be removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently a victim of identity theft and have reached out to all three credit bureau about aunothrized fraudulent collections appearing under my name. XXXX and XXXX are working with me and have deleted these accounts, however Experian supposedly investigated these collections and have not provided me with any documents from the investigation. The results from my Experian Dispute was " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for there reporting services could fax, mail or email in a fraudulent account. 

I'm requesting that Experian please help me clear these fraudulent account from my credit report have supporting documents from the investigation sent out to me. 

The fraudulent accounts disputed where XXXX XXXX XXXX. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was refinancing my existing Mortgage with XXXX XXXX of Arvest Central Mortgage. I was told that to lock the rate that an application needed to be completed and that I needed to have all three credit bureaus run by Arvest Central mortgage. On Wednesday XX/XX/2019 I informed XXXX XXXX that I had unlocked my third credit bureau ( XXXX ), he then informed of the current rate I would be locked at and then we discussed whether or not I would roll mortgage fees into the mortgage, come out of pocket for cash, etc., however I believed that my rate was locked for a XXXX year fixed rate mortgage at 3.375 % with no points to close ( actually a XXXX rebate point would be paid to me of a {$450.00} lender credit ). In my e-mail sent on XXXX XXXX PST I told him that I was fine with whatever mortgage balance would result in the refinance being a non-cash event for me ( no money out of pocket ). He sent me a final e-mail indicating that what I said made perfect sense on XXXX XXXX PST ( XXXX XXXX his time ) and that he would see if he could get an appraisal waiver. At this time I thought I was locked. The next morning XXXX emailed me with " today 's pricing '' which was much higher and indicated additional cost of {$1300.00} for me to get the same 3.375 % rate I was offered the previous day and believed I had locked. Please see the XXXX email strings attached that detail what I have just stated. I just want my 3.375 % fixed for XXXX years at the pricing they told me I had on Wednesday the XXXX. I did everything they asked which was fill out the application and run all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted Transunion in regards to furnishing an Insurance Score that I never gave permission for Transunion to furnish, report or share. As a result of Transunion sharing this information with Insurance companies and Rental Car Companies I am not allow to have access to rental vehicles which I am in great need of. Transunion producing an Insurance without my permission is against my consumer rights. They have violated the following : 15 USC 1681 ( D ) 15 USC 1681S - ( 12 ) ( b )

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 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I previously filed a complaint with you ( XXXX ) and the bank resolved it and removed the interest that was on the account inaccurately. It is for Account # XXXX XXXX XXXX XXXX. 

Since it took more than the one statement period for them to remove that inaccurate interest, I am now being charged {$14.00} interest on that inaccurate interest balance. 

I tried to resolve it and the same outcome as last time, the rep just said that since there was a balance ( even though inaccurate ) at the end of the statment period I am responsible. I am not responsible for inaccurate interest. 

If you need more to attach all of the statements again or a copy of the previous complaint that was resolved, let me know. This was BoA 's previous response showing I didnt owe the balance. 

Company 's Response On XX/XX/2019, we spoke with Ms. XXXX regarding her complaint. During our conversation, Ms. XXXX, advised us that she went online and confirmed that her account had a XXXX balance. I advised her that I was contacting her to confirm she was aware that the Interest Charges had been adjusted and her account had a XXXX balance. We explained to Ms. XXXX that the service she received had been elevated to the appropriate level of management to ensure we continue to uphold our high standard of excellence. Interest Charges accrue daily on the balance until the payment is received in full. At the time the previous monthly billing cycle closed, Interest Charges through that date were included based on the previous unpaid balance. The XX/XX/2019 monthly billing statement reflects all the Interest Charges accrued from XX/XX/2019, through XX/XX/2019, which was the date the payment was received. 
MONETARY RELIEF AMOUNT {$440.00} Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Kohl 's read my complaint!!!! 

Purchases in XXXX!!!! 

Please provide the XXXX and XXXX statement!! 

I had to rebut the XXXX XXXX  of suits!!!! 
Please provide all of my orders with you for XXXX, XXXX and XXXX. 
Also the statements for the same days. 

The suite NEVER ARRIVED. I REORDERED AND REPAID!!! 

YOUR COMPLAINT I called immediately to notify them that only 1 items the {$49.00} had arrived. I had to place an order for another suit immediately. I was son the phone for hours. The credit for the 2 suits of, {$99.00} was never applied. It's been 3 months. Order # : XXXX Placed : Thursday, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Multi Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Suit XXXX, Blue Quantity : XXXX SKU # XXXX Item total : {$49.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dot Print Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: AR
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 am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when equafax had a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had received a credit card offer from " PenFed Credit Union '' for the " gold card '' which I considered to applying. Per submission of application for that " pre-approved '' offer, they requested my prior tax returns for 2 years. I first submitted documents on their upload page and never received a confirmation. Many days went by with me hoping they will respond but they never did so i called them instead. The agent i spoke to on XX/XX/XXXX claimed they don't see a single document uploaded. I then, literally while on phone, accessed upload link again and reuploaded documents so that they have the documents as they direct my application. The agent who spoke to me said they would give me a response next day, if not then latest the day after. I submitted them and never received a confirmation email yet again so I decided to take a picture of the " successfully uploaded '' page for personal records. Days went by and i got busy until i decided again to follow up with the credit union. This time i spoke to another agent and she told me the application was rejected because the application was closed and they never received any documentation like before. Absolutely ridiculous! Every agent i ever spoke to had a different statement, their technology is extremely unreliable as they cant even seem to find my application with my name and ssn in first place, let alone any documents. I provided her each individual reference number of each upload ( which she refused ever even took place rudely ) and only then was she able to even pull the documents out. Then she claimed that i was late in uploading documents after saying they never received them when the first agent literally told me they'll respond to me in within 2 days most. This is negligent business practice. Not only was i treated unfairly but i have an credit inquiry on my credit report which cant be erased. I request you to look into their unprofessional approach of client management. The recordings they have of our conversations will speak the truth as well. If you need supporting documentation, I can you provide all those as well as mentioned.

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 2022-03-08
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am sending this letter to inform you that on XX/XX/XXXX at approximately XXXX I called XXXX ( XXXX ) XXXX to speak to the fraud claims department regarding my accounts. I was lead to believe this was to whom I was corresponding to for the entire duration of which began at XXXX, and ended at XXXX XXXX. During this time I spoke to two representatives, one male & one female, to which I fully disclosed all information requested, and in great detail. At least I did so as much as one can detail two transactions in a 178 minute time frame. I was not only told, but " assured '', " guaranteed '', " promised '', to list a few of the words used, that this claim # XXXX & # XXXX would be fully resolved upon calling the next morning. Infact, its documents. Evidenced by the following representative 's narrative. On XX/XX/XXXX at approximately XXXX I called+XXXX  ( XXXX ) XXXX pursuant to the instructions given to me. Upon calling twice more, I was given different information, with out any explanation that would vacate or contradicting the information given to myself the previous day from the same department. Infact, my questions regarding account activity, obtaining fully disclosed reports, ways in which my information has and is being used, and the reason for requiring the information asked, are still unanswered. This being despite my efforts. I have much enjoyed being a Wells Fargo customer since XXXX, having utilized Wells Fargo educational services. In regards to my most re cent experience, my privacy & involvement in how my private information is used is very important to me as well as how I feel I am being treated from the entity I have chosen to do business with. As such, I do not appreciate this deceptive manner of conducting business nor do I accept being manipulated in any fashion. This problem specifically concern the below departments : Fraud Claims Debit Claims Online Claims.

In addition my ledger and Statement is not accurately stating information. After multiple, multiple attempts to explain this, even with hard copies as proof, I am treated a 3rd class citizen.

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 2021-04-17
Company: Absolute Home Mortgage Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender did not provide appraisal despite signature on previous paperwork that we would like to receive a copy. They charged {$470.00} to my credit card account on XX/XX/21 ( today is XX/XX/21 ), but we never received the report. We are now one business day away from closing and have been unable to secure it. Lender has been generally unresponsive to our requests and has been otherwise hard to work with, but this clearly breaks all agreements and documents we have signed thus far.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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: Information belongs to someone else

Complaint:
Someone has open fraudulent Account Under My Name that I Did not Authorize

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