BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, and XX/XX/2023, I deposited two checks into my account with Capital, that I later discovered that these checks were fraudulent. To my dismay, the bank declined my offer to rectify the situation and instead chose to restrict my access to my direct deposited SSI benefits.

The restriction imposed on my account has had severe consequences on my ability to meet my basic needs and financial obligations. The undue hardship caused by the restriction has left me in an extremely vulnerable position and has significantly disrupted my financial stability.

I kindly request that you intervene to ensure that Capital One promptly rectify this matter by immediately lifting the restriction on my account and ensuring that my access to my SSI benefits is fully restored. 

Thank you for your immediate attention to this matter. I anticipate a prompt and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
They're reporting me as late even though I'm not so please look at the attached documents for further information regarding this.

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 2023-05-24
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I miss placed my credit card, I called the issuer American Express ( Amex ) and they issued a replacement card. I started to use the card and I setup the online account and I paid my first statement on the due date XX/XX/2023. I kept on using the card after I requested my due date to be changed to the XXXX of each month to arrange my payment to other cards I had. On the following month of XX/XX/XXXX, I attempted to make full payment to what I owe but I found ( Amex ) considered my payment was late and provided me with the next month due date which included late fee and interest. I called the customer care and explained everything and asked them to credit my account so I can make my payment but he answered that he tried but the system couldnt accept his effort because I had one late fee removed before which was not correct. I asked to speak with a supervisor and I explained everything again and his answer was the same so I told him I wasnt happy with his bank and I felt they are imposing unfair banking practice to inflate their profits. I called again on XX/XX/2023 and I told the associate that even though I was not happy but I make a full payment to avoid any future consequences of excessive charges and he promised me to upscale my complaint to the highest level to investigate then they will get back to me with their finding!! What adds more problems is now they are charging me extra interest because I missed my ontime payment before so my question to the customer care rep what I wasnt informed by the internet when I made my payment he kept apologizing but couldnt credit it that is a steel and XXXX off Please help! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Santander is in a lawsuit settlement for unlawful practices with lending. I obtain a loan with them in XX/XX/2018. I was in an auto accident and could not to continue on the loan. The loan was written off as a loss but I believe that this mediation should be able to get me loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Reopening case XXXX. Ally lied and the problem was only fixed for 2 days before the system crashed.

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 2023-07-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I came out of Forbearance from XXXX XXXX  and ended up with Mr. Cooper ( Acct. XXXX ). They never called me to set up anything. On the phone with Mr. Cooper on XX/XX/XXXX and also on XX/XX/XXXX. It took two days because the representative could not find my account. I only knew from talking to XXXX XXXX  to start paying Mr. Cooper on XX/XX/XXXX. XXXX XXXX  told me that my monthly payments would be actually less than pre-forbearance. I started paying Mr. Cooper {$1500.00} monthly until they told me to stop paying them when my XX/XX/XXXX payment was not accepted. The reason is that my payments were messing up with their arbitrators. They told me that it will take them up to three months before a set payment amount is made. In XX/XX/XXXX Mr. Cooper sent me a mortgage contract that I had to sign and notarized. That was completed and mailed to them. I have not received my signed copy back and have requested it numerous times. It appears that I do not have a mortgage contract, which they started to this day. They send bills through XXXXXXXX XXXX for the entire forbearance period with XXXX XXXX. They just dinged my credit score by saying i am 180 days late for payments which is untrue. Documents will show monthly payments from XX/XX/XXXX to XX/XX/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 2021-04-01
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing to insist that 3 inquiries/late comments on my credit report from GMC Financial be reviewed and withdrawn and expunged. These all relate to a final bill for my GMC XXXX, XXXX truck lease that was sent to me in XX/XX/XXXX and then inexplicably marked past due in XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX, XXXX ( 60 days ). 

The final bill was received in the mail in XX/XX/XXXX. The bill was higher than anticipated and included unwarranted charges. At that time, I immediately contacted GM Financial. The agent agreed and told me that the final balance would be reduced. I requested a written confirmation. The agent said : " We don't do that '' to which I responded : " How do I know that the bill was in fact reduced without a written confirmation? ". The agent then advised me this would be confirmed in writing. 

In the months following I received several automated robo calls in which I was asked to enter my social security number in order to review the specific issue. I responded to the calls by repeatedly requesting that a bill with the reduced balance be sent to my home address. The calls were impossible to authenticate and I was inclined to not provide my social security number because I was never asked to provide the GMC lease number that appeared on my monthly statements while the lease was in progress. 

It was not until XX/XX/XXXX before I received any additional communication in writing from GMC Financial. GMC 's records confirm that no other written communication was sent to me. This was confirmed to me on the phone by a GMC representative. Once I received the statement in XXXX, XXXX, I responded and the bill was paid in a reduced amount shortly thereafter. The reduced amount was what was originally agreed to in XXXX, XXXX. BUT not until XXXX, XXXX was the reduced amount submitted to me in writing. 

My credit report/rating was negatively impacted for this same final bill as it was reported three ( 3 ) times as past due on XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX ( 60 days ). Again, ONLY in XXXX, did I receive written confirmation of the actual final balance in a reduced amount. 

I require that these 3 faulty inquiries/reports on my credit report be reviewed and withdrawn/expunged. I am writing to this agency in an effort to correct what I believe to be a frivolous practice by GMC Financial. I contend that this methodology of billing is a clear violation of the Fair Debt Reporting Act and The FDCPA as it shows a careless and improper course of conduct by GMC Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Let me be really clear at this point, I will not tolerate being discriminated against by you for being from the XXXX XXXX, you provided false information to a complaint raised to the CPFB a federal agency. 

Your last response to the CFPB, stated very clearly in writing, a lie. You wrote in your response that I was told if I had not completed a tax return, I should call you. This is blatantly untrue. 

The email is attached, the email says that if for any reason I am unable to complete the form, I should contact you, to be clear, there is no reason I could not complete the form, so I signed it and sent it back to you, I did then contact discover, who explained to me how to fill out the form. 

The Equal Credit Opportunity act requires you to not discriminate based on national origin, I did not know what this form is, nor what information the IRS holds about me, since I'm not from the XXXX XXXX. Failing to provide information on this, or an alternative means that you violated this law. 

To be clear, this is a blatent violation of Federal Law. You will not be allowed to get away with this, DO THE RIGHT THING AND RESOLVE IT. This isnt about some corporate power struggle, you have ruined my credit score, on purpose, because of my national origin. Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Please read attached documentation and evidence. 
Capital ONE has been overcharging both my # XXXX and # XXXX credit cards with false entry interest charges and false interest from moving my payments back and forth from both cards and placing fake line entry payments and 3 months later charging me interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. [ accounts/items ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$7400.00XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX : {$1800.00} XXXX XXXXXXXX XXXX XXXX {$25000.00} XXXX  XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: CA
Product: Credit 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 opened a Best Cuy Citi credit card to get a promotional interest-free purchase, which was paid off in full. Several months after that, I received a fraud alert for a transaction ( that was over {$10000.00} ) that occurred on my account that I did not authorize. After calling the company, they cancelled the transaction and the card and were to issue a new card. The new card had a fraudulent charge on it ( in another state ) prior to me even receiving the card. I called again and their customer service offered the same resolution of disputing the charge, cancelling the card, and issuing a new one. I received the new card, and a few weeks after that, the same issue happened again. There was another fraudulent charge on the account ( again in another state from me ), and again their customer service offered the same resolution. The fraudulent charges occur at least once a month ( sometimes more ), and they're not able to provide any resolution to prevent this other than constantly cancelling the card and issuing a new one. If I don't constantly monitor the account, this could result in huge charges that I am not authorizing.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: AR
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 an old item on my Experian Credit report that is too old to report, and they are incorrectly stating it will not fall off until XX/XX/XXXX. They have provided no proof of anything else. No Support for their claim. 

Repayment according to Creditor was to start in XXXX. 

" XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$38000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line Of Credit ''

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 2022-08-10
Company: Synovus Bank
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: Account status incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) secured credit card ending in : XXXX. URGENT! 

I recently had my credit pulled to get pre-qualified for a home loan, however, I was denied due to an error in your reporting of my old First Progress secured card account. 
My scores are XXXX points lower than they should be because you are reporting inaccurate data to my three credit bureaus. 

My account was paid in full when I closed my account as I no longer wished to have a secured credit card. 

The {$4.00} balance has to be an error. I haven't been successful in reaching a customer service rep as it seems to be impossible to talk to anyone at First Progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Toyota Motor Credit reported late payments on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. In the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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:
On my Experian Credit Report my XXXX  XXXX XXXX Credit Card is showing account under dispute due to the Fair Credit Billing Act. I did not file this dispute there must be some kind of mistake.

Also my Experian Credit Report is showing the following message Your total credit limit decreased by {$7000.00} Your credit limit decreased from {$7000.00} to {$0.00}, which typically means either a lender decreased your credit limit or you closed a credit card account.

My XXXX  XXXX XXXX Credit Report is still open why did my score drop XXXX points?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: MA
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'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 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 2022-06-17
Company: EQUIFAX, INC.
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 XXXX, NA 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 2023-11-08
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2023, I received a letter from XXXX XXXX, informing me that my mortgage had been acquired by Mr. Cooper. The letter further instructed me to visit the Mr. Cooper website to create an account for making mortgage payments. However, when I called Mr. Cooper, I was advised that the transfer would not be finalized until XX/XX/XXXX, at which point I could create an account on their website. 

On XX/XX/XXXX, I visited the Mr. Cooper website with the hope that the transfer had been completed. To my surprise, I discovered that the Mr. Cooper website had been temporarily shut down due to a cybersecurity incident on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the Mr. Cooper website remains inaccessible, and there is a lack of information, particularly for individuals like myself who have not yet been able to create an account. I am unable to access any information related to my mortgage, including the status of the escrow account meant to cover property taxes and insurance. Regrettably, I currently have no access to this crucial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 was a victim of XXXX XXXX  coerced into being a co-signer on a vehicle that an individual did not pay on or settle. Im a victim and shouldnt go through this. I will get a lawyer if I have to. This has been going on too long and none of the credit bureaus seem to care. I need this fixed immediately it was done to hurt my finances. Ive disputed it countless times and havent received a positive result.

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