BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: VW Credit
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Hello, My name is XXXX XXXX XXXX and I recently had to return a leased vehicle. 
The vehicle a Volkswagen CC R Line, had only 20 miles and gorgeous car. I was pushed to lease the car when I really wanted to buy a car. I was also told that the more money down the less monthly payment, so I paid XXXX out of my 401k right up front. In XXXX we received a letter about the XXXX airbag recall and that our vehicle was being recalled. 
On XXXX XXXX XXXX I returned the vehicle to XXXX XXXX in XXXX, KY. They were more than rude because we were not extending or buying the vehicle. I asked if we could have some kind of price reduction and review on the monthly payments since the vehicle had depreciated so much and I was forced to literally drive a ticking time bomb with a defective airbag for the whole term of the lease, even if the recall of the vehicle was not disclosed until later. I drove a vehicle that was not worth the price it sold for or leased for. 
VWCredit did not care to even waive the return fee of XXXX nor the property tax remaining of XXXX. 
There has to be some kind of refund on the original price.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, Experian and XXXX. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police 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 non-monetary relief
Consumer complaint received 2020-02-11
Company: Conn's, Inc.
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:
Conn 's Home Plus continues to inaccurately report a 30-day late to my credit report, even after agreeing to remove the item with a written letter ( attached - account ending in XXXX ). I have submitted numerous disputes with the 3 major credit reporting agencies and this company has agreed to remove a 30 day late payment in writing, then did not honor it and made numerous proven false statements about the details of my payment. This company continues to harm the consumer. There is a pattern of this behavior and I am asking that the CFPB step in and take action against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: Heritage Financial Group, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX XXXX I got a automobile loan from heritage acceptance. The loan was {$12000.00} for a {$6000.00} car. I would have ended up paying {$18000.00} for a {$6000.00} car. I was young and did n't know amy better. I traded in the car for a better interest rate. The trade in was n't enough to pay off the old loan so now I have a {$540.00} dollar car payment. Struggling to get by. They also charged me {$2.00} everytime I made a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
below is a copy a letter I sent to Capital One ; RIGHT OF RESCISSION XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : CHIEF FINANCIAL XXXX CAPITAL ONE XXXX Capital XXXX XXXX XXXX, VA XXXX RE : RIGHT OF RESCISSION Dear CAPITAL ONE I, XXXX XXXX XXXX, Original Creditor and Natural Man hereby rescind my consent to be liable to perform on the contract agreement i entered with CAPITAL ONE and XXXX XXXX XXXX on XX/XX/XXXX. 

I entered into this contract agreement with CAPITAL ONE and XXXX XXXX XXXX without ; XXXX ). Full disclosure of my right to rescind. 
XXXX ). Transparency regarding the process of the consumer credit application being the financial asset ( XXXX CFR XXXX ( XXXX ) ) as well as self-liquidating paper ( XXXX CFR XXXX ) ). I have reason to believe that CAPITAL ONE and XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that pursuant to XXXX XXXX XXXX XXXX ( b ) upon receipt of this rescission i am not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information ( violation of XXXX XXXX Code XXXX ) as I was told that a down payment of { {$5000.00} } was needed in order XXXX XXXX off of the lot. Pursuant to XXXX XXXX XXXX XXXX - a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I will file a complaint with the Consumer Financial Protection Bureau. 


I demand a full refund of all installment payments and interest that I have made year to date. 
Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus are illegally reporting inaccurate 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 2017-09-10
Company: WASHINGTON FEDERAL BANK
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX my Account was compromised by the XXXX XXXX XXXX XXXX. Washington Federal Bank took immediate action againist, the Hotel Manager but, the Hotel Manager has had all the 'laughs ' for the last ( 5 ) Months, And Now the Bank participates in the 'laughs ' as Well. 

1 - Debit Card is not functional for XXXX/XXXX which is, 'crictical ' for Water Supplies without Incident and Injury as well as, USPS Mail Pick-up. 

2 - Policies for Insurance Coverage for " Renters '' and " Identity Theft '' were of ' 'Formal Compliant ' for XXXX, XXXX and XXXX only, covering XXXX Weeks of Renters XXXX and 0 Days of Identity Theft Policies. ( 5 Payments totaling {$75.00} ) 3 - Discrimination in Fair Rent, Discrimination in Fair Credit Reporting, Discrimination in Fair Housing. ( Overcharges {$1200.00}, Losses {$800.00} )

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 monetary relief
Consumer complaint received 2020-06-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Trying to use XXXX  with PNC. PNC blocks XXXX  from linking my account. I am now looking at switching to a different bank. Something so simple shouldn't be this hard

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Prior to the pandemic my family and I were scheduled to set sail XX/XX/XXXX with XXXX. I made payments to the agent Via XXXX on XX/XX/XXXX & XX/XX/XXXX totaling {$550.00}. We had been dealing with a travel agent through XXXX by the name of XXXX XXXX and afternoon the pandemic hit XXXX  canceled travel and issued refunds back to the paid parties. I have not received this service or my refund after months of communication with the agent ( which Im sure is fraud ) and communication with XXXX and my bank. XXXX has no way of contacting them regarding this situation and I have tried to work things out with the agent but she has lied tome after time. Due to the pandemic I have not received my services and she has blocked me and refused to refund my money. I have been blocked by her business on XXXX and Ive had family reach out in my behave and she has responded with insults and no resolution. I am now out of a trio for my family and the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: AZ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-11-25
Company: HAMILTON GROUP FUNDING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Started with a debt collection letter on XX/XX/19 stating I owed {$87000.00}. XX/XX/19 debt collection letter stated I owed 3 months of mortgage payments. I called the Collection Agency XX/XX/19 and gave them the check # 's and dates paid and dates they cashed them. From what I am told, Hamilton Group Funding does not keep the mortgages and outsources them. I also had sent an {$80000.00} payment in XXXX to be applied to the principal.The new company is " XXXX '' located in Illinois. I have received several " Harassing '' phone calls from debt collectors demanding that I make payments that I have already made. I am now being told in a phone call XX/XX/19 by a supv named XXXX that I am behind 1 month. I emailed them ( XXXX ) a statement from Hamilton showing payments they received thru XXXX. On a phone call today with XXXX, I requested a payment history and phone calls and was told I need a subpoena to get my records. I am concerned that they have submitted my name to the Credit Bureau and also charging me late fees. I have copies of all the checks both front and back showing they received and cashed in my payments.I am a senior citizen and have found dealing with this company very stressful. My XXXX XXXX is off the wall. I call and ask for supervisors but they never let me talk to one.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Company submitted a consumer report with background check that contained convictions that were over 20years old. This is far beyond the 7year allotment set by both federal and state guidelines. Whrn asked to remove the items from the report they simpky stated that they did not have to follow any state laws as the federal laws exempted them from any time limits and they can repirt anything they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received XXXX payments of {$410.00} from XXXX different senders. Both filed for fraud with their banks. I was not notified until today XX/XX/XXXX when I called my bank for an overdraft / insufficient funds notification. I was never notified about a fraud claim against me until today that I called. Due to the XXXX other senders receiving their money alongside everything I had in my Chase Bank account it became overdrawn. They refused to move forward with my case stating there was nothing that could be done. I do not have a XXXX to my name so their suggestion was to borrow money to clear an over draft fee of almost {$600.00} dollars. I spoke to different branch members, claim representatives, and fraud department but none tried to help me in my situation. I went to a physical Chase Bank and asked if they could put a hold on the daily overdraft fees to which they denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: MI
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:
I wrote the company multiple times and the matter as not been resolved. They stated the information was verified but it couldnt have been because its not accurate and I have no knowledge of those accounts or inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX I discovered Enhanced Recovery Corp ( XXXX XXXX ) had been re-inserted into my credit file. I 'm aware that the credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item, I did not receive any such notification. This item should be delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Colorado XXXX XXXX sent me to a collection agency without any notice that they were going to do so. I was renting a home and the last bill for {$180.00} was for XXXX. I moved from the rental property in XXXX of XXXX. I had ALL mail forwarded to me through the US postal service. The forwarding process was successful and I received all other bills and mail from other vendors. I NEVER received any mail, email or telephone call from XXXX XXXX requesting this amount. My email address was listed on my account associated with the rental property utilities, and still no notification. They claim they sent me mailed notifications to my parents address, I never lived at my parents address and they never received a notification from them. I do not know why they would send it to my parent 's address, it was NOT even listed as the mailing address on my account, according to a XXXX XXXX customer service rep I spoke with on XX/XX/XXXX. I had never missed a payment in any of my previous dealings with the utility company with any other property in which I lived in XXXX  XXXX, which has been for decades! The first time I knew of this outstanding bill was when the collection agency got ahold of me. I payed the collection agency the day I found out about it, just like I would have done if I knew I had an outstanding bill with 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 2017-09-10
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: Old information reappears or never goes away

Complaint:
According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-02-11
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX  access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: CITIBANK, N.A.
State: IL
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:
As an authorized user of a Sears account I was added last year. I spoke to a representative in their credit department in regards to the Sears account not being reported to all three of the national credit bureaus as promised several of times. However, I was told by the representative that it was reported to all of the bureaus. However its been over a year now and my XXXX  nor my XXXX report does not reflect. The information giving from Sears at this point had been very misleading and inaccurate and has affected my credit status with both XXXX and 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