BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This complaint is an update to existing CFPB complaints XXXX, XXXX. 

I spoke to the credit card customer service department of Bank of America. 

They indicated that my account had a feature called " Auto Debit '' is active. This " Auto Debit '' system is supposed to pay any statement balance pending on the due date. 

My XXXX statement balance was {$3900.00} Payment due date : XX/XX/2020. 
I had paid {$3600.00} as of XX/XX/2020. 
I made a payment of {$370.00} on XX/XX/2020. 

As per the credit card statement, following are the wordings " AUTO PAY ACTIVE - Your payment of {$3900.00} will be automatically deducted on XX/XX/2020. '' I called the credit card customer service department to dispute the {$940.00} payment that showed up in credit card account. Since there was no trace of any deduction from my checking account. 

They denied knowledge of which account money was coming from and closed my credit card and ordered a new card. This is a flaw. The customer support specialist is unaware of the way banking works or pretended to have no knowledge. 

Today, when the credit card department transaction overdrew my checking account, customer service representative said they will charge an " insufficient fund fees ''. 

I disagreed and talked to the manager. The manager agreed to the fact that they will not charge any insufficient fund fees.

However, the manager was non-committal about the flawed logic used by " Auto Debit '' to try and deduct any amount beyond what is owed as per the XXXX credit card balance statement the was due on XXXX XXXX. 

The manager said they would remove the auto debit from my account.

But I am concerned about this predatory logic that could effect thousands of other credit card customers like me. The bank must abandon such practice and only deduct the difference between statement balance and amount paid already. 

I have file a police report with XXXX, California police department Report number 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 2020-03-06
Company: Navient Solutions, LLC.
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 filed a dispute in regards to the student loan reporting late payments. It was never rectified after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: OH
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:
Equifax has been reporting the XXXX  private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to XXXX   by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. Equifax keeps reporting the XXXX loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact XXXX  again with no response to inquiry about my account. The XXXX website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
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 Account # 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 a account without my written instructions XXXX 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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-03-06
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made contact with MRS XX/XX/XXXX to inform them I have never taken out a loan with a company. I have also asked for copy of the application and drivers license to the loan application and was informed no information was available and the account was reported Fraud and was removed from all 3 credit bureaus. 

I have spoken with XXXX  on XX/XX/XXXX to get information from the documents to allow this file to be reported and have been informed there is no documents attached to the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had an open loan on a XXXX impala, with brought price at XXXX miles, i have paid on this car for a year since XX/XX/XXXX, my loan was finance through MEI finance and purchase at the lot XXXX XXXX, i have tried to reach some kind of agreement with the car and speaking to numerous of supervisors with in the finance company, all i every got was they will give me a a call back, some reason when i first called about this problem my conversation with the people i spoke with wasnt in the system, they claim they didnt have any records of that, my car has been running bad since i purchased it from getting a wheel alignment, brakes, and rotors all that they claim they fix even the body shop when i first purchase the car, they said that the dealer didnt write a slip for the muffle, when i spoke with XXXX XXXX the first time they told me they didnt have a muffle shop, so basically they kept giving me the run around between each other, ask for my files and my payment history never missed a payment, they wouldnt even consider letting they so called shop service department look at my car told me that it will be XXXX weeks before they can get to it, nobody never called back to do a follow up on me, been that i was a active paying customer then they had an 17.8 % interest rate on me when i took the car into a XXXX dealership they told me that the car was only appraised for {$1500.00} - XXXX, i have decided to give the car back i can not afford to fix a car and pay a payment, i explain that to them they told me because the car is broke and at they shop and i needed the funds to get XXXX that doesnt means it put my car note on hold they didnt try to offer me no kind of comprehensive or nothing, they told me they can only give me an 7 day ext why i try to fix the car myself under my own terms, they didnt do nothing that they withhold with this warranty due to the muffle it failed emission test i couldn't even get the car inspected as of today still waiting on someone to called me back and its been over XXXX hours, i have also file an complaint with the better business bureau after doing my research running across a couple of people that have had business with them they all said the same they treat all they customers like that, i will like this loan dismissed and we some kind of way reach agreement that i have successful gave them they money back that the car was worth, XXXX a month

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: DISCOVER BANK
State: CT
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:
I filed a charge dispute for XXXX with Discover on XX/XX/22 for services that was never provided from a lawyer. XXXX XXXX took my retainer and ghosted me refused all my calls. 

I submitted supporting documents online to Discover XX/XX/22 support my dispute On XX/XX/22 I received email from Discover finding in my favor and refunded charge back to my account On XX/XX/22 I received call from a man name XXXX from the executive office of Discover telling me that he will be billing charges back to my account because he received signed agreement from this lawfirm with my signature. XXXX at Discover executive office never gave me a chance to review these " documents '' he received from lawfirm before making this horrible bad decision. 

I filed complaint with Mass Board of Bars Overseers and after reviewing my case they're investigating this lawfirm for lying misuse of funds code of ethics. 

I am not responsible for any charges from this merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately, these issues are creating a barrier for a new business.

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 2022-03-15
Company: EQUIFAX, INC.
State: NM
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 am requesting your help to have the items listed on the letters i attached removed from my credit report. These items include inquiries and late payments that are insisted by the credit bureaus and all have been unverified. I have been dealing with these bureaus for months already but they don't do nothin bout these.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Columbia Recovery Group LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. 
My husband was also on the collections letter, but was not on the lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Arbitration

Complaint:
Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: NJ
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 Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXXXXXX XXXX Reported :XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported :XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX  XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX  XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}

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 2016-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased an ( Infiniti FX35 XXXX ) from a car dealer called XXXX located in XXXX, XXXX. During the contract signing, everything was signed digitally on their computer system. After signing the contract, they only gave me the printed copies of the extended warranty 's documents and told me that their printer suddenly developed fault and promised to print and mailed it through XXXX by the following day. 
During this transaction, I made a down payment of {$4500.00} to the dealer, and the signed contract was supposed to be : Vehicle Price = $ XXXX+ Extended warranty = $ XXXX+ Taxes and others = $ XXXX+ Based on the above break down, the total amount was $ XXXX+,. 
My monthly payment was {$430.00}, the term of the agreed contract was supposed to be 30 to 36 months. 
After one month I decided to cancel the extended warranty due to the fact that they refused to fix the car because the car had multiple issues which they did not disclose to me during purchase, all issues came up when I drove the car from XXXX to XXXX in XXXX, the following day I called them up a made a complaint about faults I discovered, they advised me to take the car to a workshop and inform the warranty company, I did just that but the warranty company refused to pay because the cost was up {$2000.00}. 
After I made up to nine months payment consistently, I decided to call up the company that financed the car by name " Credit Acceptance '' and required to know my balance, at that point they inform me that my outstanding is $ XXXX+, and term of the contract was increased to 60 months as against the 30 months which I signed for. 
At this point I asked them about how much they did finance the car, they told my $ XXXX+ I asked them why and how did they pay up to $ XXXX+ because I made a down payment of {$4500.00} which supposed bring down the balance to $ XXXX+ before the financing, at that point they told me '' we know nothing about your down payment, call up your car dealer and ask them ''. 
Both sides have been pushing me around. 
( 1 ) I signed for 30 months contract not 60 months. 
( 2 ) The dealer tricked me they were going to send the contract documents the following day because printer was faulty, till this time the contract has not been sent to me. 
( 3 ) The down payment I made could not be accounted for. 
Please I really need help, I am still new in this country struggling to meet up. 
If I should be paying {$430.00} on a monthly basis, meaning I will end up paying {$25000.00} to the lender adding to the {$4500.00} down payment making it {$30000.00}, I did not bargain for this. 
This car is a XXXX infiniti FX35, with XXXX miles during purchase. 
Please contact me if you need more information.

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 2020-03-06
Company: Experian Information Solutions 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:
I have disputed an account to no avail with all three credit bureaus. They refuse to investigate and remove this fraudulent information 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