BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: Fair Financial Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am a XXXX XXXX XXXX XXXX with a vehicle that I've been leasing with through the company I XXXX  for. I've been making double payments each week for the last three weeks and was able to take {$910.00} off of the total balance of my vehicle, which was behind due to my inability to XXXX and make the funds. Back in XXXX I was planning on driving the last week of XXXX into XXXX, only to find out that I could n't XXXX with my registration expiring. While attempting to update the registration, I was told by the vehicle administrator that my name was not on the vehicle. The leasing company never included my name as power of attorney, and after going almost two weeks with them trying to get someone to fax over a power of attorney, I was missing out on my days to XXXX. Luckily I've been lowering my payments with the doubling up every week. On XX/XX/2019, I made payment of {$220.00}, and the company 's rep informed me that my car was in repo status. I have been doing my best making double payments and told the rep that I would have a minimum of {$600.00} paid by next Friday. But they are threatening to take my vehicle. I have been willing and able to make multiple payments and it shows in the system, however, the company refuses to work with me to allow me to make the multiple payments to bring the total down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
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: Public record information inaccurate

Complaint:
Under the Law effective XX/XX/2017 any public record data must include NAME and ADDRESS as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new Law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-01-05
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I really dont know but if they have my signature name and birth date.. it wont match mine ... theres a XXXX XXXX XXXX using my identity.. my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Autovest, L.L.C.
State: FL
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 PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " AUTO VESTS ''. WHEN I CONTACTED AUTO VEST ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX'' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " AUTOVEST ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters to XXXX XXXX and Experian requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the XXXX and they stated that they do not validate anything. I wrote both Experian and XXXX XXXX to give them an opportunity to verify that data. Experian wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Experian allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.

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 2018-01-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my account was hit by a skimmer and an illegal XXXX $ stolen from my acount this money was set aside for home inspection due to us buying a house td bank was contacted via local branch and started the process of getting my money back card was canceled and new one issued my account was expedited but noting has happend i still dont have my money and now no t able to pay my inspector they are dragging their feet on this the criminal who did this tried to hit my account the same day on 3 other occasions that morning but thank XXXX visa caught it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: Better Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan with Better Mortgage Corporation in XX/XX/2021. Better Mortgage Corporation told me to pay my monthly payment to TXXXX XXXX XXXX and I made my payments to The XXXX XXXX. I made my XXXX mortgage payment to XXXX XXXX XXXX  on XX/XX/XXXX. I received a notification from Better Mortgage Corporation that my monthly payment after XX/XX/XXXX should be made to a company called XXXX. Better Mortgage Corporation agents told me on phone and via email that the payment will be taken over by XXXX XXXX and that I should create an account on their site and make all my monthly payment starting XXXX to XXXX XXXX. So I haven't missed any payment and I paid the correct amount to the XXXX XXXX XXXX. But now when I log in on XXXX XXXX website, it shows past due payment for XXXX. After waiting for hours on phone to speak to the payment company, they wouldn't help and they told me to contact my mortgage lender Better Mortgage Corporation. Better Mortgage Corporation is trying to charge me TWICE for the XXXX month. I have emailed and called Better Mortgage Corporation many times and I have emailed them proof of my payment for XXXX but they have been unhelpful. I believe they are committing fraud and trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XXXX XXXX, XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I 've ever lived.

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 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
In XXXX, XXXX, Bank of America ( " BoA '' ) reduced the credit limit on my mastercard from $ XXXX to {$750.00}. In response, I paid the card off in XX/XX/XXXX and shredded the card. I did not notify BoA that I was closing the account. Today, XX/XX/XXXX, I received a letter that my account is {$83.00} past due. When I called, I was told that they assessed the annual fee of {$79.00}, charged the interest, and the balance was now {$83.00}, plus they closed my account due to the delinquency on XX/XX/XXXX. I asked that they either : reinstate my account and credit limit of $ XXXX and I will pay the annual fee which would be for the XXXX year ; or they waive the {$83.00} charge, keep the account closed and remove any derogatory credit on my credit report ( XXXX ). The Customer Service person, XXXX XXXX, noted the account and advised that he would put in the request, but it will take several weeks to get a response, and it will mean that additional interest accrues and there is no guarantee that BoA will waive the fee or reinstate. This does not make sense. If BoA wants to charge an annual fee and expects you to pay it, then the account shoud be useable. If the account is closed, then they should not be paid the annual fee. It is common sense.

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 2018-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX Account Number : XXXX The account was disputed before because of an extra fee assessed of {$2.00} after the account had been paid in full AUTOMATICALLY ; XXXX was not aware of the {$2.00} fee because the account was setup as AUTOPAY, yet according to the customer service department that fee could NOT be collected by the automatic pay system, because you had to come to the store in person to pay.. I was not informed of this procedure until I called to dispute the negative information. They said they could NOT clear the credit bureau rating although I battled that the account was on autopay they had the capability & authorization to collect payment, therefore how were they going to classify it as " late payment '' ..Again this account is still on AUTOPAY. I explained that this account has never been late ( please see attachment ) until this {$2.00} issue. Now my biggest concern is that my employment is credit score sensitive and due to this issue my position is in jeopardy. Now I understand if these late payments were because I owed and failed to pay but this is not the case and for XXXX XXXX to deliberately harm my credit report / credit scores, it just plain unfair. When I spoke to customer service they said that they were reporting correctly and that they were not going to remove the late payments. 

PS..THIS PREVIOUS ISSUE OF THE {$2.00} FEE, JUST HAPPENED AGAIN, I NOTICED IT Again..

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 2021-12-01
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I tried 3 times to close my deceased wife 's account with Xoom, a XXXX Service, over the telephone, but they continue to say the only way to close the account is by the account holder to close the account, per their privacy policy, so deceased persons accounts can not be closed. 
Why do I want to close the account? So I can open an account in my name with the email address currently associated with my deceased wife 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
I have sent disputes every 45 days since XXXX. XXXX  hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my  report since XXXX and XXXX has refused to respond. I have the email from XXXX executive office stating that it should be deleted and XXXX still hasn't responded. 
XXXX  keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. XXXX  also refused to respond or update my file. Experian says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.

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 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This complaint is for capital one 360 I had two claimes I filed Two packages were misplaced/stollen And I spoke to the merchant ( XXXX ) they refused to reimburse the funds even though their return policy clearly states they reimburse packages that arent received. I asked my financial institution to step in and they filed the skin for XXXX and XXXX for the items they refunded one item but not the other and I bought them the same time. They claim the company shipped the item and I agreed but I just didnt get the product which is why I asked for them to intervene. I just dont understand how they would honor the claim for one product but not the other when they were both shipped and bought together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Bridgecrest Acceptance Corporation
State: TX
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:
I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.

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 2020-11-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX REFER # XXXX XXXX XXXX XXXX I WAS TOLD THAT THE CARD SHOW XXXX BALANCE ON MY CREDIT CARD. AS OF TODAY STILL AFTER 45 DAYS SHOWS A BALANCE ON THE CREDIT REPORT. PAYMENT OF {$2700.00} ON XX/XX/2022 WAS SENT TO BARCLAYS CREDIT CARD AND ACCT PAID OFF. AS OF TODAY STILL SHOWS THAT I OWE THAT BALANCE.

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 2020-06-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company claiming to be a " Legal Services '' company by the name of XXXX XXXX XXXX, has repeatedly called and texted family members, co-workers, and friends, leaving threatening messages. The company has claimed I am being sued, that my house is going to be taken away and that I will be sent to jail. When I tried to discuss the issue with them they called me several names and used abusive and XXXX language.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have sent disputes every 45 days since XXXX. Transunion hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my report since XXXX and Transunion has refused to respond. I have the email from XXXX executive office stating that it should be deleted and Transunion still hasn't responded. 
XXXX keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. XXXX  also refused to respond or update my file. XXXX  says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.

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 2019-07-08
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent Wells Fargo a FCBA Evidence Request with no response. This account is paid in full.

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 2017-11-19
Company: Experian Information Solutions Inc.
State: CA
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:
I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my experian report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

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 2018-01-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from XXXX XXXX XXXX that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my chexsystems report. This is not my account and I was a minor..

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