BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: General Motors Financial Company, Inc.
State: GA
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:
XXXX XXXX Gmc. 
XXXX XXXX XXXX XXXX XXXX, I test drove a XXXX XXXX, yesterday at the XXXX XXXX XXXX, Ga XXXX location at XXXXXX/XX/XXXX. Then I did the process and procedure on financing a car. It wasn't a XXXX XXXX on the seat, when I test drove the car. But after I was approved there was. I have pictures of the XXXX XXXX on the seat. XXXX XXXX XXXX salesperson XX/XX/2020 ). I talked to the head manager. He stated A manager in his position at XXXX XX/XX/XXXX. I told him about the XXXX XXXX on my driver seat. He told, me that the crew, that did the last inspections. Had to leave it in there after they took the agreement off the window, stating if I bring the car back. He would personally take the XXXX XXXX out of the car. I tried to go over his head, ( Tue, XX/XX/2020 XXXX XXXX XXXX XXXX, but that was the headquarters. In buying a car there is an agreement, and I feel that my agreement was broken on XX/XX/2020. Due to the fact that the staff knew, I had finished my paper work, and placed the XXXX XXXX in the car as a XXXX trap to harm me or the car. ( Paper work XXXX XXXXXX/XX/XXXX completed. /Address/ XXXX XXXX XXXX XXXX XXXX, Ga XXXX ). I contacted the GM finance department, and the person I talked to gave me a case number. And told me what department she was in and her position. I have pictures of text messages and the XXXX XXXX in my car. ( Case Number or Service Request Number XXXX XXXX. Call me ( customer experience manager ) At XXXXXX/XX/XXXX the woman 's phone hung up on me. She called me back at XXXX, her position was ( Customer Service Representative GM ). The woman told me she would give me a call back in one week and she never did. 
P.S. ( By state law in Georgia, I have 3 days to file a complaint ). 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Savor Rewards card. I reached out previously last year about issues with my card due to deceptive practices. The issues were mostly resolved when a member of the leadership team reached out to me. My period with no annual fee has now ended and I am still unable to move from a Savor Card into a Savor XXXX card ( according to customer service ) and have now gotten hit with the annual fee. It doesn't make sense for me with the small amount the card is being used. The rewards do not really offset it. My expenses are now much lower now due to the coronavirus / economy having a large effect on my employment. 

I never would have gotten this card in the first place but I thought I was signing up for the " Savor XXXX '' card, not the " Savor '' card, it turns out it was actually the regular Savor card. ( The website is very deceptive and little is done to differentiate the cards ) This is the initial main issue, I am now locked into this card ( Savor ) paying an annual fee which I never knew about and never would have signed up for if I knew. ( Savor XXXX has no annual fee ) Customer service is unable to assist me and I am now locked in this card with no way out besides paying the fee or taking a large credit hit by canceling the card. Are you able to either convert me into Savor XXXX or offer any assistance in these difficult economic times with the annual fee? I have been a valued customer of over a decade with no missed payments for and excellent credit and have not been happy with the service I have received since getting this card. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: NJ
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/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2020-12-22
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I called Total Card to advised the company that the account ( the account # - XXXX ) was sold or transfer to another company furthermore this writer asked total card to update the account status for this account from {$430.00} written off to transfer or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 am writing to CAPITAL ONE BANK USA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CAPITAL ONE BANK USA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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 repeatedly submitted a dispute to have a XXXX credit card removed from my credit report. I am only an authorized user and not the primary account holder. I no longer have access to this account nor am I responsible for any past balances or future charges on this account. Experian refuses to remove it even though XXXX and XXXX  have removed this account from my credit report with them. 

I have tried to contact XXXX to have me removed as an authorized user ; however, the company refuses to speak to me about the account since I am not the primary account holder so I can not even get past the first person to ask to be removed.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
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:
5ths disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

XXXX ) 15 USC 1681 ( a ) accuracy and Fairness of credit reporting has been violated MUlTIPLE times 2 ) 15 U.S.C 6801 protection of nonpublic personal information has been violated on multiple occasions.

3 ) 15 U.S.C 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms this law states I am suppose to have received 4 ) 623 5 ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly! 

XXXX ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a 1099C from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged death belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!

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 2020-12-22
Company: EQUIFAX, 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:
My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We are trying to get a mortgage and it is showing that we have late payments from Roundpoint all the way up until XXXX of XXXX which is absurd considering our loan was transferred from Roundpoint to XXXX XXXX XXXX as of XX/XX/XXXX. I want all late payments since that date of XX/XX/XXXX removed immediately. I attached an email from Roundpoint stating that our loan was transferred as if XX/XX/XXXX therefore all late payments after that date are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
As of XX/XX/XXXX I have 5 new hard inquiries on my credit an each one is fraudulent, all applying for credit cards. I believe I comprised my personal information while applying for the XXXX XXXX XXXX on the XXXX XXXX  browser on my phone on public Wi-Fi. The 5 inquiries were for the following- XXXX XXXX XXXX XXXX XXXX bank - twice it seems Citi bank XXXX XXXX XXXX XXXX All of this inquiries are fraud, an possible XXXX XXXX Compliance I would like an need each one of this inquiries removed. They brought my score down XXXX points an this is unacceptable. 

I also see theres is 5 loan inquiries from XX/XX/XXXX, I only applied with XXXX XXXX that day. I only discussed that 1 company I only applied an was approved for that 1 company. The other 5 loan inquiries are Fraudulent an with out my knowledge an I would like them removed. They are the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so then twice, XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were fraud an with out my knowledge I noticed while looking at these recent credit card inquiries I need these removed to apply for XXXX trucks an housing this year.

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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX I paid my debt to Bank of America and XXXX I dont have a receipt because I did it over the phone. During XXXX I didnt know what was going on with my accounts I just forgot to close them due to me being very busy and stressed. I had stopped working because I had another child, I was at XXXX  XXXX  so I have put aside somethings and let my husband take over so we were just having his income and he was using his bank. I dont even know the account numbers just whats on the consumer 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 2022-07-09
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:
I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have communicated to this company several times not to contact me at work and they continue to do so. This is creating a problem at my work. They have also repeatedly called me on the weekends and after XXXX XXXX on weekdays. My work number is XXXX and my cell number is XXXX. 

the company information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX PA XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Transunion, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, 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 non-monetary relief
Consumer complaint received 2019-02-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been paying student loans to Navient regularly for years. In XXXX I moved some money to a new savings account and updated my Auto Pay to the new account. Never in this process was I given any indication there were any issues. 

Today ( XX/XX/XXXX ) I noticed I had more funds than expected in that Savings account so I checked Navient and saw I was 'delinquent ' on the XXXX payment. When I went to the Auto Pay tab, there was no indication of what might have happened. My Savings account was still listed ( along with my the previous account which would have been able to accept the payment had they a 'backup account ' system, as many online payment systems have these days ). 

I called Navient and, after they read out my personal information ( address, name, phone number ) in a way that is in clear violation of security best practices, they told me that they tried to charge the new account, but my bank refused the charge. Turns out that I had used the account number system for the Savings account ( I used the Checking account structure vs. the Savings account one, which I didn't realize was a thing ). 

Navient 's response to the refused charge was to drop me from Auto Pay and send me an email with the subject " New document ready to view! ". Inside the email there is a big box saying : " Tax season is almost here. Starting XX/XX/XXXX, you can access your Form XXXX by visiting the new Navient.com ''. I assumed this was a tax email and ignored it. 

Now, I'm sure they aren't breaking any laws here, but the way the site is set up, and the way they deal with denied payments seems to be designed to make people fail. 
Why don't they verify that your account information is correct before letting you select them as the Auto Pay destination? 
Why don't they allow users to set backup accounts in case the primary fails? 
Why don't they title their VERY important e-mails with a more descriptive subject that communicates the urgency? 
Why don't they label or highlight the denied account in the Auto Pay section, rather than still list it as being selected for Auto Pay? 

There were so many ways for them to prevent my loans from going delinquent. 

Navient wants borrowers to fail. The Federal Government must partner with an institution that has a public mission, not a for profit company with a duty to it's shareholders to maximize profit at the expense of student borrowers.

Company response to consumer: Closed with explanation