BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received multiple balance transfer checks over the past months from Barclays Bank relating to my XXXX credit card ending XXXX. I used the check for XXXX, which was within the authorized amount on XX/XX/2021 to pay my XXXX account ending XXXX the check was returned resulting in me incurring a returned check fee of {$39.00}. A few days later another new set of transfer checks from Barclays. I called Barclays on XX/XX/2021 and spoke to a female Rep XXXX XXXX who reviewed my account. She then assured me I could use the checks without any issues of it being returned again. I trusted the information and tried to pay the XXXX again to pay my card using their check for $ XXXX on XX/XX/2021. Again, the check was returned, even after the assurances of the Barclays Rep. As a result there was another {$39.00} fee and an interest charge of {$120.00}. I have asked Barclays to reimburse me for these charges totaling {$200.00}. Followup conversations with XXXX, who transferred me to XXXX XXXX XX/XX/2021 who could not help me. Other Reps spoken to XXXX on XX/XX/2021, then with XXXX XXXX  Customer Care, who transferred me to XXXX a Supervisor/Manager on XX/XX/2021. Still no help. Even now Barclays is sending me new transfer checks monthly, but they are dupping consumers.

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 2017-04-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Beginning in XXXX, I visited the XXXX dealership in XXXX, TX. I was purchasing another vehicle and decided to take my XX/XX/XXXX XXXX to the service department. I was having issues with my XXXX, which is covered under the extended bumper-to-bumper warranty I purchased. 

I dropped my car off for them to look at the XXXX issue and to perform a XXXX mile tune-up on my car, which cost me over {$700.00}! When I came to pick my car up a few days later, I noticed after leaving the dealership the XXXX issue was not resolved. I immediately called the dealership and they advised me to bring it back in a few days, which I did. 

Upon bringing the car back for the SECOND time, the XXXX dealership put me into a rental. They kept my car for a WEEK and then called saying they were not certain what the issue was and I needed to come get the car. They said they would order a new radio and when it was received I could bring it back and they would replace it. 

I later brought my car back and they put me into a rental car again. This time the dealership kept my car for FIVE solid weeks. They returned my car to me on XXXX, which is the last day my warranty was valid. 

After leaving with the car, we noticed the XXXX issue still was not resolved and now we were having additional issues with electronic components ( thermostat read XXXX degrees, all of the time, and when I changed the temperature of the air conditioning it would also change the mode, which are controlled separately ) Again, I called the dealership to let them know. I was asked to bring the car up there on XXXX at XXXX Unfortunately, I was unable to make it to the dealership in the morning due to work ; however, we brought the car up there at XXXX - just six hours later. 

When my boyfriend arrived at the dealership he was informed that they would not look at the car because we were not there on time, they would not simply take the car and give us a rental because they had to diagnose the car to ensure something was wrong with it - mind you - this is NOT a new problem. The manager, XXXX refused to talk to me on the phone and made me speak with the Service Guy and she also said that unless we could prove that they caused the additional electrical issues, we were going to have to pay for those out of pocket. 

It is ridiculous that a consumer can pay thousands of dollars for a warranty, be charged interest on top of that, and not receive the level of service they should. THIS IS A COMPLETE SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Experian Information Solutions Inc.
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view 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 2022-05-01
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH
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 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in  XXXX     2017, I fille d a report with this company with the FTC, about a collection about the amount for  XXXX , for concept for the bill due for payment.   We did the report with the FTC and I sent the police report I did in date  X/XX/2017   .   The report was closed about the explanation and the paper than support this case, but the company ACS reopen the case in the bureau affecting my credit, for the same case resolved some month ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: U.S. BANCORP
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: Reporting company used your report improperly

Complaint:
In accordance with the Credit Reporting Act XXXX XXXX # XXXX and XXXX # XXXX XXXX violated my rights. 
15 USC 1681 Section 602 states. I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-04-13
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level. 
I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: Southwest Credit Systems, L.P.
State: PA
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 Southwest Credit Systems 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 states a consumer reporting agency can not furnish a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Bank of America XXXX XXXX XXXX XXXX, TX XXXX Dear Bank of America, Potentially Negative Item in XXXX  Credit Report Bank of America Secured Credit Number Last four Ending XXXX / Last for SSN XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent XXXX  credit report contains Potentially Negative item reported for my Bank of America Secured Credit card account. ( Refer attachment XXXX credit report number XXXX ) I want you to know that I understand my financial obligations and Id have an excellent repayment record. Above account paid in full and closed. 

Im planning to apply for a mortgage and its come to my attention that the Negative Item on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the Potentially Negative item on XXXX   credit file. 

Thank you for your consideration, and I hope youll approve my request. 


XXXX 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 2021-12-15
Company: Novad Management Consulting LLC
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
i have a reverse mtg. that was turned over to Novad consulting in XX/XX/2021. I still have money in an escrow account that I drew on each year to pay taxes, I can not access my funds. I have tried emails but they are rejected. i have tried 9 different phone # but they all go to the same recorded messages. my taxes arew due now and i can not pay. please help me. the novad address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nc ph. XXXX e-mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: General Motors Financial Company, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF Gm Financial, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reach out to ARS Resolution/ XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed 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 2021-12-15
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
American Honda Finance Corporation d/b/a Honda Financial Services has furnished/reported several late payment derogatory marks on several of my consumer reports since being in receipt of my Cease and Desist. Not only is this an individual act against 15 USC 1692c ( b ) and 15 USC 1692c ( c ), it is also an individual act against 15 USC 1681a ( 2 ) ( A ) ( i ). Late payments are to be excluded from a consumers consumer report because they are information solely as to transactions or experiences between the consumer ( natural person ) and the person ( corporation ) making the report. This is also an individual Act against 15 USC 1692d ( 1 ) as it is a threat and harm to my reputation ( 15 USC 1681 ( 2 ) states that a consumers consumer report is the consumer 's reputation ). American Honda Finance Corporation d/b/a Honda Financial Services is civilly liable for these individual acts against Title 15 of the United States Code pursuant to 15 USC 1692k and 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CITIBANK, N.A.
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled  me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A  11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local   XXXX   XXXX   .We only wanted to keep our HOME,.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Other

Complaint:
XXXX   XXXX     2016 I called card servic es and asked that my annual rewards program renewal fee not be dedected from my account as I did not want to pay the fee at that time. My intention was to start the rewards program back up at a later time. What happened is that they changed the product type of my credit card from a rewards card to a platinum card. I did not understand and was not aware of this change. I did not consent to this change. My sole intent, which I made very clear, was to not be charged the annual program fee at that time. As soon as I realized the mistake I called wells fargo and asked them to fix the mistake . Wells fa rgo now states that I am ineligable to switch the products type back to what I had.

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 2017-04-18
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I began having problems with Fedloan Servicing just this year, and these problems include errors in recalculation for  XXXX , removing me from  XXXX  and placing me in to forbearance, cancelling out a request to be put back on  XXXX , and incorrect certifications or refusal to assist in certification, of work eligible for PSLF.     IBR Issues   XXXX   XXXX   XXXX   XXXX   XXXX   I electronically filed annual re-certification using tax documents. My payment went from {$48.00} per month to {$290.00} per month.     XXXX   XXXX   XXXX     : I electronically filed to recertify and followed up with the proper paper income documents. They removed me from  XXXX  ( to be fair, I checked the box saying to put me on the lowest cost plan, then scribbled over it and checked the  XXXX  box ) and put me into forbearance status.     XXXX   XXXX   XXXX   : I electronically filed to recertify and mailed in the required paper income documents.     XXXX   XXXX   XXXX   XXXX   they sent me a letter saying they could n't process my incomplete informatio n ( from my electronic filing which gives the opportunity for me to finish by sending paper income documents ).  They only gave me  XXXX  days to mail and them receive the documents.     PSLF Issues : I have dates from subbing that they will not help with. I received a letter stating that they cancelled out a recent request because I did n't get it signed by the company. I did n't get it signed because they wo n't certifiy it, and because I checked the box that said I ca n't get them to certify it. I am sending them a request and  XXXX  forms, and a letter to see what happens.   I am also sending them a letter for dates they did n't credit me with my current employer, along with a letter.     I am using  XXXX  and PSLF because I am in public service and ca n't afford high loan payments. I want to get my loans forgiven. There is a constant stream of letters and mistakes from just this year, and I just do n't need to be babysitting this loan constantly. I am frustrated and would like someone to see that my loan will be returned to  XXXX  with an affordable monthly payment, and that all of my  XXXX  and PSLF forms are being processed with care, and that I am not having to resubmit these things over and over.   Thanks,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned XXXX that is still reporting on my reports : XXXX -Date of inquiry XX/XX/XXXX XXXXE-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I dispute that my account was ever 30 days past due. While there is record of late payment on my account, all my payments were made before 30 days from the prior due date. I know this because i have bank records as well as a record of all my payments. As well as contact with the financial institution several times during the months of which they claim I was late and they have the recorded calls and it was never at any time mentioned to me that my account was 30 days past due. I know this because they would have reported this late status to the credit bureaus, which they never did until it was time to close my account, that of which I had already paid in full on the principal balance and it was only fees that remained. They have reported various dates of 30 days late in XXXX on one report, XXXX on another, and just for the account in general.

Company response to consumer: Closed with explanation