BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Telsa Motors Inc
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I put in an order for a XXXX XXXX XXXX in XX/XX/2020. Upon putting down my deposit I was given written confirmation on their web site of {$4500.00} down and {$430.00} a month. If you currently build and order a XXXX XXXX XXXX on their web site today it shows {$4500.00} down and {$400.00} a month. Unfortunately none of these terms are ever offered by Tesla or their finance partner. Once I applied for financing the terms changed to {$7000.00} down and over {$550.00} a month. I have been asking Tesla now for two months to address why the terms advertised on their web site can not be matched. They kept telling me not to worry, they will adjust it and match the web site prior to my car arrival. Two days before my car was delivered and one day before I had to turn in my old car who's lease had expired, they finally revised the terms NOT matching their web site.They adjusted the terms down to {$4800.00} and {$510.00} a month. I was told take it or just cancel. I have perfect credit, long job time, very high income and high net worth. I'm a homeowner and I believe my credit score is in the mid to high 700 's with zero blemishes. The sales people tried several times to tell me the difference was taxes. However, I know the taxes are only {$39.00} and it was confirmed on their estimate. I asked several times for the finance manager to call me. They refused. According to my calculations the money factor was excessive and about double what was in the market. I believe their finance company can not match their advertised rates. This is false advertising. I'm sure they just normally blame it on some issue with someone's credit etc. But with me they had no excuse. Just refused to talk with me about it and told me to cancel. Left me with no car. Rude and in my opinion illegal. FALSE ADVERTISING

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A complex I used to live in 2 years ago put my account in collections. I never received a notice that I had an account in collections. I found out through my experian app. The complex contract clearly stated that if I made two written requests and they did not resolve my issue, I could terminate my contract effectively immediately, which I did. When I called the collections agency I attached emails as well as a picture of the contract and they never got back to me. The collections agency says I needed to put the complex on notice 30 days before I left but according to the contract, since they didnt resolve my issue in a timely manner after several attempts, I could terminate immediately.

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 2019-12-12
Company: GREAT LAKES
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested the indebtness in its original form which it basically a consumer contract with my name signed on that contract. I also asked for information used to verify their dispute which includes the creditor, the person that verified the information with them, the address and the telephone number in order to receive and know how this verified inaccurate account was produced in my credit account. They have failed in numerous account to do so. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 asking them to send the original consumer contract with my name signed on it to verify this inaccurate unverified account however each time they have neglected to provide me with the information requested. Not only have I asked them to show proof of this unverified account and I have asked to have this deleted immediately according to the FCRA rights I have. They removed the account from my report but then stated on XX/XX/2019 my balanced increased. The name of the creditor US Department of Education/XXXX partial account number 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 2022-08-16
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received medical bill for XXXX XXXX, full amount of {$190.00} was paid from my XXXX account on XX/XX/2020. The bill was turned into collection agency on XX/XX/2020. I have disputed this with credit bureau, and contacted the debt collection agency to advise them this bill was paid, but the original business submitted an amount different that what was owed. The debt collection agency says there is an additional amount owed of {$110.00} (? ) no sure exactly of amount - but there should not be any additional amount because the bill was paid prior to submission to collection.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2016-06-10
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my mortgage in 2 monthly installments on the XXXX and XXXX of each month via EFT. My XXXX XXXX payment was applied on XXXX XXXX, but the next XXXX payments have not been applied. In XXXX just after the XXXX payment was sent, I received a letter from Ditech advising me that I needed to take action on my " delinquent '' account. After the first 6 hours on the phone, I learned that Ditech changed the account numbers in XXXX ( from Green Tree to a Ditech number, without any notification ) and they are unable to locate my payments. I have spent more than 10 hours on the phone with them, talking to the same person ( XXXX XXXX ) over and over and every single time it is like it is our 1st conversation. Today I had the misfortune of speaking to one of XXXX XXXX peers, who was just as rude and ignorant as could be. I asked 4 times for a manager before I was put on hold, and then the call was disconnected. I have faxed copies of my bank records to their customer service department and walked that manager through the history. I asked what else I could do to get this resolved and was told it was all on Ditech to finish the research. I did n't hear from anyone for about a week until today when XXXX XXXX, the collections officer assigned to my account, called to tell me my account is now x days past due. No mention of the supposed research being done on my behalf. In the meantime, they are assessing late fees and interest on top of that, and I am at a loss as to what to do. In my opinion, when they could not apply the payment properly they should have returned the funds. At least I would have known something was wrong.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: DISCOVER BANK
State: KS
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:
this is about the inaccuracy that is reporting to XXXX, XXXX and XXXX there are serval ideas on my profile that are not accurate or does not show the same information this is the reason I know this is not violate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: PA
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:
As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did XXXX XXXX XXXX XXXX attempt to repossess the vehicle. I filed a credit bureau review request with XXXX XXXX, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX 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

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 2021-11-18
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 involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with chase bank. I deposited my payroll check. A few days later the check cleared and i made a few withdrawls over the next week. Chase then closed my account. With {$440.00} of my money still in the account. I was never given a clear reason of there closing. Everyone i talked to at chase bank gave me a different reason. I tried calling many different chase numbers to find out what is going on. All, led me nowhere. I went into my branch many times. Only to be treated as i did something wrong. And they would not give my money back. They tried to make me start a new account. Just to get my money back. The alternative the manager said, was to mail me my remaining funds in a check from chase. It would take 7 to 10 business days i was told. It never happened. They never mailed me my check. 7 months now. I get a call from chase bank fraud unit. Now, they say, my employers address on check i deposited was not the address of his company. I asked if rhat was ilegal. They said no. I asked if they have any evidence of fraud. They said no. I asked them to give me my money back. They said no. They asked me to get my now ex employer, to come into there bank to varify this address he has on his payroll checks. I told chase bank i do not work for you. And, i am the one in the middle here, suffering from all this. I told them at that time, i have been through to much stress over this thus far. You have broken the law in the time alotted to hold my money. I want my {$440.00} plus comensation now. They told me no. And said, when i get my ex employer to come in and varify what they want, then they will release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Nationwide Biweekly Administration, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A couple of years ago, we were introduced to Nationwide Biweekly Administration regarding a Mortgage reduction plan they were promoting. After speaking with them, they ensured us that there were no up front fees other than a {$3.00} processing fee taken from our bi weekly withdraw. They further stated that the key to the biweekly process came from XXXX bi weekly withdraws ( essentially paying 13 months instead of 12 months ). The process would include an initial debit that acted as a " deferred payment '' which they assured would, in its entirety, eventually go to our mortgage payment. In mid XXXX of 2015, we were contacted by Nationwide Biweekly and informed that for an unspecified reason, they could not pay our bank that month, that they were essentially dropping us until the problem could be resolved, and that we would have to resume making our own mortgage payments for that time. We inquired about the money already taken out for the month, and they affirmed it would be redebited to our account ( which it was, minus {$3.00} ). However, while recently researching making bi weekly payments directly through our mortgage provider, it came to our attention that Nationwide Biweekly had charged its customers a large lump fee up front, which we were told was not the case when we signed up. We then contacted Nationwide Biweekly and inquired about the alleged initial fee. This was the first time anyone at Nationwide Biweekly informed us of that fee. While she would not quote an exact monetary amount, she informed us that it was withdrawn from our initial first debit. Since Nationwide Biweekly failed to inform us of this fee, and since they dropped us prematurely ( prior to the completion of the mortgage pay off ), we wanted to know how to get that initial fee back ( since they originally told us it was a deferred payment that would go toward our final payment - which is did not, nor will it since they dropped us ). The representative told us it was non refundable, but upon further pressing, stated she was not able to answer that question and would transfer us to someone who could. We then waited on hold for approximately 45 minutes before our connection was terminated.

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 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
This is not about my credit score. This is about Bank Of America that made false promises to me about a dispute I had in the amount of {$420.00}. I have names of supervisors and representatives ( if needed ) that told me to provide all documents, which included 1 ) a letter of complaint describing what happened 2 ) receipt of purchase from merchant 3 ) a second opinion letter proving that what I purchased did not work. In short, I went to a XXXX to treat XXXX XXXX and was promised a XXXX week kit I bought for {$420.00} would DEFINITELY work. It did n't. I 'm still suffering with the same symptoms, seeing different doctors to help me, and had a letter from my primary doctor CONFIRMING this stuff was bogus and a rip off. Several times, I was told that second opinion letter would be sufficient enough to take that charge off of my account ( as long as it was within the time frame and it was ). So I faxed everything from a Bank of America in town and all documents confirmed it was sent. When I called to follow up, they said they " could not see " the second opinion letter. I said it was definitely faxed with everything else. They had me fax it again. This went on for months. They said they finally received it and would be sending me a letter. The letter said my documents given were not sufficient enough. I was furious. I called back to appeal the decision. This time I spoke to a supervisor in disputes ( again if needed, I will give names ) He said they must not have gotten the second opinion letter because that should definitely be enough to get the charge off my account. Again, I went to Bank of America to fax the second opinion letter from my doctor. Now, I got a letter stating that unfortunately, it 's out of the time frame. This credit card company is ran by nothing but a bunch of crooks. I will NEVER give them another cent. And I WILL be letting everyone know the experience I had with these people.Feel free to broadcast this anywhere consumers can see it, because I know I surely will!!! I have included documents that were faxed over. Please take note as you review, that some might be repeats but I want you to notice the time frame. I started this dispute back in XXXX ( it 's written on the doctor 's notes and it was all sent over within the time frame ). I am also fighting this dispute through XXXX. Thank 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 explanation