BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Global Lending Services LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I XXXX XXXX did an application in good faith and extended my credit under the impression that I would leave XXXX XXXX car lot with a car. 
Global lending was the bank that pre-approved me for said loan. 
Once the car salesmen XXXX came back to me after submitted my application, he stated that they would need a down payment of $ XXXX {$1000.00}. 
But the XXXX advertisement that XXXX XXXX posted on said nothing about a down payment. The false Ad stated they could put you in a car no matter what XXXX down if not then they'll pay you {$500.00} if they couldn't. So, I left the lot due to him asking for a down payment. Once I made it home, I called global Lending Services and spoke with a few people. I needed my application number. I went back to the dealership to get my application number. The owner XXXX XXXX gave me the run around about my application. We proceeded into a conversation i stated that they were in fact breaking the law. Once I made it back home, I called Global Lending again. The down payment had drastically changed to {$8000.00}. The last person I spoke with stated that I did in fact get an approval for {$20000.00} but also stated that Global Lending did not in fact require a down payment of {$8000.00}. He stated that the dealership was asking for said down payment. My Question is where is my CAR!!! Due to the fact that I extended my credit in good faith and received nothing from it is a VIOLATION of my consumer rights due to the fact that my credit alone is in fact my payment. From my understanding the dealership can not charge extra fees during a CREDIT TRANSACTION. I have not received any benefit and this is an issue that needs to be fixed immediately. 
They also never received my consent to pull my consumer report that is only for criminal background reporting anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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:
On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To date, I have not received a response. 


Regarding the XXXX XXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$8700.00} ), I disagree with the reported balance of {$8700.00} and request that you delete the information regarding the Past Due amount, as this account is closed and charged-off. Since my credit score is affected by changes to my accounts, I request that you mark this account as disputed so that it does not negatively impact my credit score. 
The information on the XXXX XXXX XXXX XXXXXXXX account ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) is inaccurate and is harming my credit reputation. The reported balance of {$4800.00} does not correspond to the lower amount that I remember. I request that you revise the Past Due information, as it is not accurate to report a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to decrease, and I need to reach an agreement with my creditor regarding the incorrect data. Therefore, I request that you mark this account as disputed so that it does not further harm my credit score. 
The reported information on the XXXXXXXX XXXX XXXXXXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$710.00} ) is inaccurate. The reported balance of {$710.00} is inflated and does not correspond to the lower amount that I remember owing. The XXXX XXXX amount reported by your agency for this account is also inaccurate, as this account is closed and charged-off. Therefore, I intend to contact the creditor directly to correct this information, and I request that you mark this account as disputed until the issue is resolved. 
The reported information on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$33.00} ) is imprecise. The reported balance of {$33.00} is higher than the amount that I remember owing. Therefore, I request that you remove the amount indicated in the Past Due section, as this account is closed and charged-off. I plan to speak with the creditor of this account to clarify the reported data. Until the appropriate corrections are made, please mark this account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged 2 overdrafts for my account going in the negative. The issue being that it overdrafted based on pending charges while cleared transactions were still in the positive. That has caused a cascade effect that I can now not even pay my electric bill. I tried moving money to my other checking account and I was charged 2 fees for returning money. How can I get these fees returned? I'm going to be without electric and food on XXXX. This started on XXXX XXXX  and it's still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
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:
I had created a credit file a dispute in XX/XX/2021, regarding my mortgage with XXXX for XXXX XXXX XXXX XXXXXXXX. This dispute subsequently closed my Equifax credit report from accepting mortgage payment information and stopped my mortgage account with XXXX from showing up on my Equifax credit report. 
My mortgage company has sent multiple letters to request that Equifax please un-suppress the mortgage file with XXXX for XXXX XXXX XXXXXXXX XXXX allowing the mortgage payments and account history information to be reported to Equifax and available to me. I have not received a response nor has XXXX and this has affected me getting credit approval because I do not have a complete credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
O & L Law Group, P. L. 
XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX as representative of O & L Law Group Pursuant to my rights under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other state and federal debt collection laws, I formally notified O & L Law Group , P.L. , a debt collector, via a recorded telephone conversation on XX/XX/2021 to cease-and-desist collection on this account. However, this request was ignored as I received additional information from O & L Law Group regarding this case. This second notification to O & L Law Group is to request that you cease and desist all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving call from Arnold Scott Harris, a debt collector for the City of XXXX for unpaid parking tickets which I do not owe for any. Today was my second attempt notifying them to remove my telephone number from their database. I explained I have a business license with the City of XXXX and one of the requirements is that you can not have any outstanding debt with the city.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX. Please delete this account 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 2023-05-10
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXXXXXX Account ending in XXXX was paid off as agreed. XXXX XXXX XXXX was all the payments made as agreed. Almost 1 year later they say I have a balance of XXXX or more. I called back sent over the payment history and they confirmed a glitch in their system. Talk to them XX/XX/2023 they saying its a balance of {$300.00} but my credit is say XXXX balance. Conflicting stories. Please help I feel helpless like Im being taking advantage of. 

I paid {$540.00} for 12 months as agreed now they saying they dont see it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage being serviced by Mr. Cooper. I tried my best to get a HAMP Loan Modification. I made 3 TPPs also. Couple of them I admit were a bit late, because my father had a XXXX XXXX XXXX and I was running around the Hospitals and Doctors. However they say that they got only 2 TPPs., strangely, although I submitted my bank statements in proof of their taking all 3 payments. 

They sued me for Foreclosure and in their attached Law Suit Papers filed in the XXXX County Supreme Court, they show a total amount ( including interest, legal charges, escrow advances etc. ) of {$390000.00} due as on XX/XX/. Even this figure needs a detailed break down. 

But, if you calculate the per diem interest from XX/XX/2018 up to XX/XX/2018 it will amount to {$7100.00} - {$40.00} x 175 Days ). If you add these 2 figures, the Total dues are {$390000.00}. However, in their attached Pay Off Letter as of XX/XX/2018,  they are showing a Total Amount due as {$410000.00}. That is a whopping {$20000.00}. How come they are overcharging me such a big amount? I need a detailed explain with calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-09-30
Company: TD BANK US HOLDING COMPANY
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:
Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, B, AND A that NORDSTROM/TD BANK USA , XXXX XXXX and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ) Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX Delete these accounts 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 2018-09-28
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After I have rejected offers from Mr. Cooper ( Nationstar ) to refinance my mortgage, multiple times, they have now resorted to retaliatory tactics. They refused to process my XXXX payment on XX/XX/18 ( I have evidence that I scheduled the payment and they acknowledged it ). I received an alarming text message on XX/XX/18 indicating that my payment was now late and offered options to pay it. I have NEVER MISSED OR MADE A LATE PAYMENT ON THIS ACCOUNT AS MY CREDIT HISTORY INDICATES! I immediately called Mr. Cooper and spoke with a representative who first said the payment was reversed because the bank account rejected the ACH. I confirmed for her that the bank had not rejected the payment because the funds for more than sufficient to cover the payment. She then said that the note on the account said that the bank account was not valid. I have evidence that this is the same bank account that Mr. Cooper has debited several prior payments fromwithout issue. 
I became irate and told her that this had better not impact my credit because I have done exactly what I was supposed to do and had made my payment on time using the same method as I had done for recent payments. The representative said that it would impact my credit because my payment was now late. She then asked me if there was a homeowners association and if my dues were current because the HOA could foreclose on my home. WHY IS SHE EVEN TALKING TO ME ABOUT FORECLOSURE?! And whos ever heard of an HOA foreclosing on a home?! 
At that point I knew exactly what they were attempting to do. I took actions to thwart their obvious attempt to put me in a position that would allow them to accelerate foreclosure on my home or bully me into refinancing my home with a NLMS who has a reputation and documented history of these types of activities. I posted not only my XXXX payment ( for a 3rd time, from a different bank account-XXXX  ) on XX/XX/18, I also on Monday, XX/XX/18, posted my XXXX payment from my XXXX bank account. That same day, I made an inquiry with XXXX XXXX XXXX XXXX. I asked if the mortgage payment had been declined. The bank representative gave me an activity printout and it did not show that the draft had ever been presented for payment as it had in previous months. I have the printout. 
On yesterday, XX/XX/18, I checked my credit report and Nationstar has indeed flagged my account as delinquent, 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: PNC Bank N.A.
State: PR
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:
I informed my credit card company I would be traveling overseas. At no time did they inform me that they levy an additional fee of 3 % against any foreign charges. While overseas on business travel I charged approximately {$15000.00} which I am now told will incur fees of {$450.00}. When I questioned why this wasn't explicitly disclosed to me when I called them I was told that it was in the " credit card agreement ''. In my opinion the PNC rep I spoke to when informing them of my travel plans should have disclosed to me the 3 % Foreign fee charge. This type of " gotcha '' approach is something I never expected from PNC. Had I known about the fee I would never have used the PNC card. I think PNC 's failure to explicitly disclose this fee is negligent at best and dishonest at worst. I have asked for them to refund the fees but have been told they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid 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 purchased XXXX travel vouchers ( {$500.00} each ) with XXXX ( now out of business ) for ecotravel that gives back to the community it serves. The travel vouchers were to be used by myself and my XXXX adult children. I purchased the vouchers on XX/XX/XXXX, as a XXXX gift, with my Capital One credit card. 
The vouchers were to be originally used towards a trip to XXXX in XXXX, for myself and my daughter, and the remainder vouchers were to be used on a later trip, by my XXXX sons. The trip to XXXX was cancelled by XXXX, due to international covid travel restrictions. The company promised the vouchers would be available for later use, once the pandemic subsided. The following year ( XXXX ), XXXX experienced the worst of the pandemic and that crushed another planned trip with XXXX for us. XXXX reassured us that the vouchers would remain valid for future trips. 
The XXXX went into liquidation in the fall of XXXX, as they apparently invested the monies received for trips that never materialized in XXXX and lost millions of dollars that belonged to unsuspecting consumers, like myself. There will be no refunds for any of us, from XXXX, as it no longer exists. 
I sent a letter of appeal to Capital One in late XXXX, disputing the charges and requesting a refund. While the company investigated my appeal, they returned the {$2000.00} plus interest charged. They asked for further documentation, in order to continue the investigation and gave me a month to do so. At this time, I was traveling back and forth to help take of my XXXX father ( out of state ) and did not return the documents, in the time given. My father passed in XXXX and Capital One returned the charges to my account again. They suggested that I attempt to collect the money from XXXX, a company that no longer exists and is still in liquidation process. Capital One has informed me that my case is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: MIDFIRST BANK
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The online account was closed by XXXX on XXXX  without prior notice. Upon contacting the the bank I was told for business and that no further explanation would be given. I requested the final balance be retuned to me at which point I was the funds {$120.00} would revert back to the institution they were sent from. I contacted them again a week later and my balance accordingly to the associate was 0 I told them I never received my funds at which point she repeats the same line repeatedly closed for business reasons Ive never had an experience like this and Id never use XXXX or any of it affiliates in the future

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove it once its confirmed that it is not mine.

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