BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a vehicle through a dealership in Illinois on XXXX XXXX, 2017, paying applicable sales taxes, registration and title fees for Florida where my primary residence is. I received temporary license plates from the dealership since expired as the leasing institution needed to provide license plates per the law in Florida as they are the legal title holder. The lease was done through U.S. Bank and they had all of the paperwork as of XX/XX/XXXX. As of XX/XX/XXXX, U.S. Bank has not provided me with license plates for my vehicle. I spent 2 hours in the DMV on XX/XX/XXXX trying to figure this out and another 3 hours yesterday, XX/XX/XXXX, there to finally find out that U.S. Bank is at fault in not providing me plates and I wasted a total of 5 hours. After speaking to U.S. Bank last night for an hour, they have not provided a sensible remedy, only more inconvenience for me, they want me to fulfill their duties. Their solution was to provide me a POA from their title department and they could only fax it to me. The real kicker is that this would take an extra 7 business days to get to me where they would overnight at that point. That would leave me driving an unregistered vehicle for another 10 days in Florida. In addition, rather than U.S. Bank fulfilling their requirements to get me license plates as per their contractual and state obligations, they are requesting that I personally go back, and do their work, to the DMV to get the plates when the POA is received so I can waste another 3 hours of my time. I am currently driving an unregistered vehicle in Florida per the DMV here as U.S. Bank has not fulfilled their legal obligations in Florida regarding title nor their fiduciary obligation to me as the leaseholder and customer. In fact they have been grossly negligent with me and have not fulfilled their contractual obligation with me per terms of our lease.

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 2018-01-04
Company: Mercedes Benz Financial Services
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I leased a vehicle through Mercedes-Benz Financial Services, and was sold a XX/XX/XXXX warranty with 'XXXX XXXX XXXX XXXX '. The payments for that warranty is made directly to Mercedes-Benz ( as part of my least payment ). 
The terms of the Warranty provides, in relevant parts, that XXXX " will pay the COSTS to repair or replace ... the tires ... due to ROAD HAZARD. ", and that " Tires are eligible for repair or replacement until the tread depth is less than XX/XX/XXXX. '' On XX/XX/XXXX, I took my car to Mercedes Benz to repair/replace a flat tire that had a nail in it. I was shocked to learn that XXXX refused to cover the replacement of my tire even though the tread depth was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
On XX/XX/XXXX Santander Consumer USA reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to Santander and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
After the XXXX hack I tried to freeze credit at the XXXX major agencies. 
I was able to quickly freeze at XXXX and XXXX but not at Experian. 
I used the online links I was given for the XXXX agencies. I tried multiple times but was unable to freeze credit. What should I do now? it is my credit and I can not freeze it? 
-XXXX XXXX XXXXXXXXXXXX

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 2017-07-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX,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 Bureaus ( Equifax, XXXX, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: STONEGATE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has an escrow provision. At the end of the year, on XXXX XXXX, 2017, my property taxes were not paid. I therefore used my credit card to pay the property taxes on the property. I contacted the mortgage company, XXXX XXXX XXXX / Stonegate Mortgage, and asked for a refund of what is, after all, my money. I contacted XXXX XXXX / Stonegate and asked for an immediate refund. They stated they would get to it in XXXX. 

I have contact the local municipality and have confirmed with them that the property taxes were paid through my credit card and not an escrow account check from XXXX 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 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-03
Company: EQUIFAX, INC.
State: AZ
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have submitted two claims one for XXXX and one for XXXX. My bank is holding the charges. I have talk to the the company and they have investigated the funds that are missing and they do not have it. Bank of America has given me multiple dates on when i will get my funds. They have not issued a temporary credit.

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 2019-09-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Yes have a XXXX card. I use all time. I had original XXXX limit. Yet i was on time and doing all i can. I had the card awhile. Yet i ask for up in credit limit. I was denied which is ok. What really gets me is the lower my limit by XXXX. Now only have {$100.00}. Which is totally unfair. How can one do that when they already approved you and your account was current. This totally unfair and bias. I told them and didn't care. Even talk to them how i know someone worst off then me and you denied him also for increase but never lower the limit that he had. They didn't care. Weren't helpful. Not good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX did not report correctly. I did pay XXXX XXXX XXXX on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX also did not show report on Wells Fargo Auto. I also did pay on time. Last pics are of Wells Fargo Auto report. 

XXXX  scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2021-04-13
Company: CL Holdings LLC
State: TN
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:
On XX/XX/2021, Jefferson Capital submitted a derogatory mark on my credit profile, per XXXX. After looking at what this might concern, it appears that this account was transferred/sold and I am no longer responsible for the account. Also, debtor/creditor did NOT notify my of this collection account nor was there an attempt to verify the collection. I have no written form of communication of this account or a record of my signature for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Pacific Collections
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received two letters from XXXX XXXX XXXX XXXX, Collections and Billing, XXXX   XXXX XXXX, XXXX, CA XXXX, phone number : XXXX claiming that my account remains seriously delinquent. 
They are claiming that the Creditor is XXXX XXXX XXXX ( they put an asterik next to the name ), my file number is : XXXX and my account number is : XXXX and that I owe {$790.00}. 
They have stated that if they do not receive the full balance within 10 days of this letter action may be brought against me without further notice. 
It says please make payments payable to XXXX - DO NOT SEND CASH. 
I have no idea what they are talking about but they are very persistent. 
Thank you in advance for your help on this matter.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-03
Company: DriveTime
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I went on Drive time website for a free pre-approval on a car loan. I filled out the information they ask for a social security number to verify who I was I gave it to them but this pre-approval was without a credit check on XX/XX/XXXX I received an alert on my credit stating that they ran my credit I never gave them permission to do this and when I called and asked about it they said if I gave them my social security number then that's why they ran the credit but where the information was it specifically says this is not for a credit check this is verification of your identity now I have had my credit hit and they don't want to do anything about it it was fraudulently ran and I don't know what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Purchased a XXXX product online through a Capital One Visa card for XXXX, was charged XXXX and XXXX. ( for some reason, these charges show up on different days - XX/XX/XXXX and XXXX ) I called to dispute the XXXX as never being authorized, credit card issued refund then 2 months later charged it back again claiming they'd sent forms ( they did not send forms ) and that XXXX says the charges are legit so end of story. XXXX has shut down the software i purchased on top of this, so now i've been charged XXXX and XXXX, the XXXX was never authorized and i have no product for any of these payments. I have an XXXX credit score, i make {$200000.00} a year, i pay off this credit card balance every month in the range of $ 2000- {$5000.00} a month, i'm hardly likely to try to steal software from XXXX in the first place, and in the second they've both kept money they never should have taken on top of the {$69.00} that was authorized AND shut off the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
I noticed American Honda was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to American Honda but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2018-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX I DO NOT KNOW ANY OF THESE COMPANIES I HAVENT DONE BUSIINESS WITH THEM I MIGHT HAVE BEEN A VICTIM OF IDENTITY THEFT ...

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 2017-07-27
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I pay my Chase home equity line of credit via a XXXX XXXX checking account bill payment service ; on XX/XX/2017 I paid Chase my regular payment of {$350.00} via this bill paying service ; Chase has NEVER credited me with this payment even though I faxed them PROOF that XXXX had made the payment on XX/XX/2017 ; as of today XX/XX/2017 they have never credited this payment despite acknowledging on the phone that they HAVE received the proof of payment and that this proof is VALID ; now Chase is sending me emails demanding I make this payment, it 's INFURIATING because they already have the money! Please help me! Before I call the district attorneys office or file a lawsuit I 'd like someone to help me to resolve this matter Thank you for your consideration! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or about XX/XX/XXXX, I purchased at BestBuys an item for {$1600.00} with no interest for 24 months. On XX/XX/XXXX, this free interest expired. On XX/XX/XXXX, I realized something was wrong because my current balance which is also for purchases I made with no interest was approximately {$1000.00} more than I expected/calculated. I called the credit card company and they explained that on XX/XX/XXXX when the 24 month interest was due on the purchased back in XXXX, and payment was short by {$1.00} and therefore, the accrued interest in the amount of {$1000.00} was applied. I was shocked! as this was not what I expected. I had made all my payments on time, never late and continued making my payments on time and for more to avoid the interest. I was told that they give 20 days grace period to review and request a waiver. That it was to late to even try to request that waive. I had not idea. I thought I had calculated and set my payment to be automatically paid from my checking account. They most had continued receiving payments every 15 days, so they should had received about 15 days later a payment for {$65.00}, and another {$65.00} 15 days later after that, and so on, until XX/XX/XXXX when I paid a larger amount to avoid paying late the next no interest purchase I had made and was due on XX/XX/XXXX. I unfortunately did not pay attention to the interest accrued that was applied back in XX/XX/XXXX. On XX/XX/XXXX looking into my bank statement and making sure my payments were made is when I realized what had happened. I immediately contacted the credit card and pleaded to have those removed as I thought {$1000.00} in interest was unreasonable just because of {$1.00} short in payment for XX/XX/XXXX. They just continued saying how sorry they were but there was nothing they could do and that was that!. I asked to speak with supervisor and they put me on hold just to tell me that they will put in complaint but there may not be a response from them. Also, I am realizing now that I have been charged interest at 29 % on the interest that was accrued. I need help, please!!

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