BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-16
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2019, I sold a leased Vehicle to XXXX XXXX XXXX and in return purchased a vehicle from XXXX. They were supposed to send a buy-out check to the lease company, U.S. Bank. XXXX took roughly 5 months to send a buy out check, resulting in default in payment to US Bank on my behalf. I have contacted The XXXX  for this matter to help fix the issue. After my credit has been ruined, and check finally received, according to credit report agencies I have a late payment to US Bank in XX/XX/2019, however, vehicle was sold in XX/XX/2019. I have contacted XXXX XXXX, but one one ever reached out to me. Ive contacted US bank, the issue was never resolved. Ive done multiple credit disputes between the bureaus, but nothing has been fixed and they will not allow me to dispute it anymore. It has been very hard for me with my credit being ruined.

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 2021-02-04
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: Account status incorrect

Complaint:
Dear Sirs CFPB, I appreciate your support on the recent Credit Score Report # XXXX issued by XXXX on XX/XX/2021 requested by Bank of America on XX/XX/2021 as result of an application for credit made by myself to this Bank. 

The request was NOT APPROVED since as per XXXX  Report # XXXX states " SERIOUS DELINQUENCY '' related to a CREDIT CARD account # XXXX, which showed a due payment of 30, 60 and 90 days. I contacted Bank of America Credit Department and they were not able to confirm this information because this was not available in its system. 

I set a dispute to XXXX for the Credit Report based on that Bank of America was unable to confirm this information to me and XXXX send a Dispute Result Report # XXXX Investigation ID # XXXX dated in XX/XX/2021 stating as " REMAINS '' the potential negative item withthe following comment : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' My concern is that Bank of America was able to confirm the information to XXXX but it was not to me. 

I highly appreciate your support since this situation it is hurting my access to better credit Conditions

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 2021-03-26
Company: WELLS FARGO & COMPANY
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX, XXXX, Inquired on XX/XX/XXXX. 
XXXX, Inquired on XX/XX/XXXX. 
XXXX XXXX, Inquired on 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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Report Act XXXX account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 B states i have the right to privacy.

15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your 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 non-monetary relief
Consumer complaint received 2020-10-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote emails to PayPal stating debt was not mine and no one ever responded.

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 2020-10-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Around XX/XX/XXXX I received a bill from XXXX. On XX/XX/XXXX I used my Barclaycard Rewards Mastercard and my XXXX XXXX  card to pay the bill from XXXX. XXXX XXXX  is a service that allows you to generate a random, temporary card number before you make a payment to increase your security. Because I was going to pay citi over the phone, I wanted to be as secure as possible. Although I was not receiving any cash from this transaction, The charge was for {$4500.00} while my Barclay card has a cash advance limit of a mere {$1800.00} so it did not occur to me that it was even possible for this to be classified as a cash advance. Nevertheless, when I logged into my Barclay account on XX/XX/XXXX there was a cash advance fee of {$220.00}. I called and was told that the customer service rep can not waive this fee and can not transfer me to a manager but that I  would be called back within 2 days and I was given case number XXXX. On XX/XX/XXXX I received a voicemail from a manager the next day and called her back within the hour but was connected to a frontline rep who couldn't transfer the call or resolve the issue and was again told I would get a callback. Fearing that this would stretch into eternity, I went ahead and paid off my balance in full for fear of the insane interest rates they must surely be charging me. Finally on  XX/XX/XXXX I spoke with a manager on the phone. I sent the manager copies of the relevant statements showing that I did not receive any cash but in fact had paid a bill. The manager said she can not waive the fee.

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 2021-02-04
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. 

Today I pulled my report and now the amounts are all different. 
The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}. Also shows status last updated on XX/XX/XXXX and balance updated XXXX. Clearly there is an error I asked you to close this account in XXXX because it was not mine and I had no idea who this account belonged to. The credit card company continued to keep this file open because i did not have the password.

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 2021-08-07
Company: American Credit Acceptance, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
American credit acceptance, illegally repossessed my XXXX XXXX  while I was making payments. During a state of lock down. The company that repossessed my car is currently in jail for repossessing vehicles illegally and selling 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a US Bank Relia Visa card that I never applied for in the mail. I called them and they said it appears a card was opened under my name through the Unemployment office int the state of Ohio. They also stated that the SS # they had on file did not match mine so I assume someone opened a card under may name and address with a made up SS #. 

I have spoken with XXXX XXXX and they have this noted and have called the credit bureau. I will also be calling the state of Ohio tomorrow to let them know about this situation. 

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 explanation
Consumer complaint received 2019-02-21
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HI ON OR ABOUT XXXX OF XXXX I FINANCED A VEHICLE WITH XXXX AUTO FINANCE AND HAVE A 7 YEARS OLD COPY OF SEVERAL CREDIT REPORTS SHOWING THE PAYMENTS AND STATUS OF THE ACCOUNT BEING CURRENT AND WAS SOLD TO XXXX  AUTO FINANCE AROUND XXXX OF XXXX. AT THE TIME THE LOAN WAS SOLD / TRANSFERRED THE DEBT WAS IN GOOD STANDINGS. SEVERAL YEARS LATER APPROXIMATELY XX/XX/XXXX FIVE YEARS INTO THE LOAN I SURRENDERED THE VEHICLE BECAUSE XXXX SAID THAT I OWED XXXX ON A VEHICLE ACCORDING TO THE LOAN SCHEDULE OF PAYMENTS WAS ONLY FOR 6 YEARS@XXXX A MONTH WHICH WOULD ONLY LEAVE A BALANCE OF A YEAR. I REACHED OUT TO THEM MANY OF TIMES AND NO ONE COULD EXPLAIN THIS ISSUE. IN THE INTERIM AFTER 3 YEARS OF THE SURRENDER, NCB MANAGEMENT SERVICES REPORTED ON MY CREDIT FILE A NEW ACCOUNT ON XXXX SHOWING THAT I HAD A REPO WITH THEM, MY CREDIT SCORE DROPPED TREMENDOUSLY I DISPUTED THIS WITH ALL CREDIT REPORTING AGENCY 'S AND NCB AS " RE-AGING ''. AFTER SEVERAL YEARS OF DISPUTING NCB UPDATED THE ACCOUNT SHOWING IT AS A REPO WITH XXXX XXXX. NOW ON MY CREDIT FILE IT SHOWS 2 DIFFERENT REPO 'S AND THIS IS INACCURATE. I HAVE CALLED AND SENT LETTERS TO THE CREDIT REPORTING AGENCY 'S EXPLAINING THIS ISSUE AS WELL AS SUPPLIED SUPPORTING DOCUMENTS AND THEY WILL NOT HELP AND NCB MANAGEMENT SERVICES WILL NOT CORRECT MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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: Personal information incorrect

Complaint:
I have tried to correct my personal information on all three of the credit bureaus, however I have not received a response from any of them. On XX/XX/2021, I sent a letter requesting that credit bureaus correct my name, address, phone number and employment. I have several different names, addresses and employment information that does not belong to me. I also have over 9 public records on my credit report that do not belong to me. I have not been contacted by any of the credit bureaus to validate this information on my credit report. In addition there are unknown credit accounts on my report. I am requesting that the Consumer Financial Protection Bureau investigate my claim and hold the credit reporting agencies accountable for the misinformation that is being reported to the public without validation. I demand that this misinformation be deleted and that my personal information be corrected immediately. The credit bureaus have not responded in a timely manner ( within 30 days ) and I should be granted my request immediately. I have enclosed the letters that were sent to the credit bureaus on XX/XX/2021 for your records.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: OK
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on 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 2017-08-11
Company: EQUIFAX, 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:
To whom it may concern, On XXXX XXXX of 2017, I sent written communication to equifax requesting that they update my credit report showing my auto loan being paid in full. After a phone call to equifax, I was advised to send all documentation in writing, in which case I did so. I included a letter from XXXX financial services stating my account has been paid in full as of XXXX XXXX of 2017. To date, my credit report with equifax has not been updated. All other credit reporting agencies are showing as paid in full. I contacted equifax once again and was told while they did receive my documentation, they have an additional 60 days to respond. I am attempting to refinance my home in which the deadline is about to expire and will soon be in default. I ask kindly for any help you can give in this matter as I believe I have exhausted all avenues. Thank you in advance for your attention with this matter. Kind regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: U.S. BANCORP
State: TX
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:
I had a couple of " late '' payments ( did not go over 30 days ) with XXXX XXXX XXXX To alleviate this problem, I set the account up on auto pay. Supposedly, something was wrong with the form when they received it. Instead of contacting me to let me know this, they did not take the next payment through auto draft, cut my credit line from {$1800.00} to {$500.00}, and reported me to credit! Obviously I am not trying to run from this account -- I tried to set up auto draft, and have always let them know my address changes ( I have moved twice in the last month, three times in the last six months. ) They have my current address on file as always.
Since there were three weeks between them receiving the auto draft form, and the next payment being due, I feel they should have not reported me to credit -- and instead called me and let me know what happened ( that i had left something unchecked on the auto draft form. All it was was the section that states whether I wanted the entire balance deducted, or the minimum payment. 

All of this on a balance of about {$250.00}, with a payment due of about {$25.00}! The account was NOT in collections -- it had just had a couple of payment lapse into the grace period. 
We are professional people, always employed since graduation from college in 1987. We own two homes free and clear, a car free and clear, and not only have no bankruptcies, repos, or foreclosures, we have no slow payments or missed payments except this one, and it should not have happened.

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 2020-05-23
Company: WELLS FARGO & COMPANY
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:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review 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 2021-02-04
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the company Receivables Performance to show proof of ownership on the account. I was forced to pay this account because I am getting a mortgage and my mortgage told me I had to pay the account off in order to qualify for the loan.

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 2021-02-04
Company: BMW Financial Services NA, LLC
State: PR
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:
My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX XXXX XXXX, XXXX XXXX BMW Financial Services, and to the Federal Trade Commission. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Paramount GR Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a fire claim for which XXXX XXXX issued drafts in four ( 4 ) different payments jointly to myself and the residential mortgage company, Paramount. Paramount received these checks on the following dates : ( 1 ) XX/XX/XXXX for {$12000.00} ( 2 ) XX/XX/XXXX for {$56000.00} ( 3 ) XX/XX/XXXX for {$950.00} ( 4 ) XX/XX/XXXX for {$1100.00} According to XXXX 's company policy, they are to disburse as follows : For checks less than {$10000.00}, ie. for checks ( 3 ) and ( 4 ), they are to endorse the checks and send them to me within five ( 5 ) business days. For checks over {$10000.00} but less than {$20000.00}, ie. for check ( 1 ), they are to disburse 90 % payable to me within five ( 5 ) business days with the remaining 10 % released upon an inspection showing 100 % complete. For checks over {$40000.00}, ie. for check ( 2 ), they are to disburse an amount of {$40000.00} or 10 % of my unpaid principal balance, less 10 % holdback for final inspection, whichever is greater, jointly issued to me and my licensed contractor within five ( 5 ) business days. 
To date, the only disbursements I have received are related to check ( 1 ) : I received an amount of {$4200.00} on XX/XX/XXXX and a subsequent amount of {$7200.00} on XX/XX/XXXX, leaving a balance of {$1200.00} remaining. For the other checks ( 2 ), ( 3 ), and ( 4 ), I have received nothing. 
Confirmed by Paramount, they are in receipt of all required documentation, including a 75 % inspection report dated XX/XX/XXXX and a 100 % inspection report dated XX/XX/XXXX, in addition to a lien release by my licensed contractor, for which I also have copies. 
Here are the issues to date : ( A ) Paramount is not releasing any funds, is not in communication ( not returning phone calls or emails ), and is not in compliance with policy for disbursement. We are currently owed {$60000.00}. 
( B ) Paramount applied checks ( 2 ) and ( 3 ) to a different account ... They claim this has since been corrected, but I have still not received any disbursements from these checks. 
( C ) Paramount mistakenly sent me a check for a unknown insured party ... for which they have still not sent a return mailing label. 
( D ) Paramount 's latest email communication of today XX/XX/XXXX states that their latest inspection report is for only 50 % completion, yet I received copies from the inspection company on XX/XX/XXXX confirming 75 % and on XX/XX/XXXX confirming 100 % completion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation