BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a new checking 360 account at capital one banks, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in 2020 but i ignored it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that the bank complies with all anti-discrimination laws and regulations. I trust that the institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Since XXXX, I have sent several requests to Equifax to correct my date of birth on my credit report. In XX/XX/XXXX, I sent them a copy of my birth certificate to correct my date of birth on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Account information incorrect

Complaint:
XXXX, Equifax, and XXXX is committing FRAUD and they've failed to remove the inaccurate accounts on my consumer profile which is causing me harm, stress, and damaging my consumer profile. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXX : # XXXX XXXX have 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. 15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The information listed above appears on my consumer report but I did not make or approve of these transactions. 

Equifax, XXXX, and XXXX are also committing FRAUD because according to 15 USC 1681a- ( 2 ) ( i ) - ( Exclusions ) Transactions are to be EXCLUDED from my consumer report. 

Please also remove the accounts listed above from my consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act REQUIRES you to remove the INACCURATE and FRAUDULENT information on my consumer report, resulting from Identity Theft within four business days and to promptly notify the businesses that sent you that information. 

Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

As stated above, please delete all inaccurate accounts immediately. 

I have enclosed a copy of the accounts listed above, highlighted with the inaccurate information from XXXX XXXX that's being reported on my consumer report, and an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Starting on XX/XX/2023 I have been unable to access my Ally Financial Account in order to make payments to bill and see relevant information regarding documents and other remaining balance inquiries. 

On XX/XX/2023 I made numerous attempts to contact the company and resolve the issue to no avail. The company failed to provide a resolution and explained they do not have a planned date to find a solution. In total, I had XXXX separate phone calls with representatives of the company who were unable to regain access to my account. I am unable to see financial documents, loan agreement, billing dates, amount due, and other fees related to the auto loan I placed with the company. 

The number given to customers to solve issues like this is XXXX - none of the representatives have been able to regain access and their team has stated " this is a known customer issue, with no solution in sight ''. I would like my loan obligation to this company to end if I am unable to see the remaining documents and agreements. 

I am now receiving messages regarding " late payments '' and " past due balances '' although they have failed to give me access to my account after their own system failure.

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 2023-03-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

15 U.S.C 1681s -2 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has failed to pay my taxes, failed to reimburse me for my fees and interest I paid because they did not pay my real estate taxes, and failed to add the new parcel on my account so this wouldn't happen again. A year later I am going through the same motions of failed tax payments, house being put up for auction, and long overdue bill with fees and interest with promises of resolution this time. I am doubtful of success after the last 3 attempts to resolve this with them. 

I purchased my house in XXXX of XXXX through a different lender ( Nationstar? ) where it immediately changed hands to Mr. Cooper. My house has 2 parcels which were purchased appropriately, but in XXXX of XXXX, I received a letter of delinquent taxes for the one of the parcels where they didn't pay the taxes for the entire year and are about to put my house up for auction. I immediately paid the bill with fees and interest, where Mr. Cooper told me over the phone that they missed XXXX of the parcels with the Escrow Tax payments, were very sorry and have added the parcel back, and will reimburse the fees and interest. After no progress or update was done, I called back where I was able to get a confirmation email that they were supposed to have added the parcel back in, and are working to pay me for the fees and interest accrued throughout the year XXXX. No response or action despite follow-up calls, escalations, and faux promises. 

Currently, I have received yet another letter that I have a few weeks to pay this Real Estate parcel tax bill that Mr. Coper has failed to pay ( again ) or my house is going up for auction. 

I have no faith that Mr. Cooper will resolve this issue nor make restitution for their errors where I am looking for outside or legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I got to myself into some debt and asked my friend to help me. He did a balance transfer from his citi bank credit card to my Ally Bank Ollo Mastercard. Ollo decided that the transfer was fraud. They closed my account, reported the fraud, my credit score has gone down and they have kept the nearly XXXX XXXX dollars. I don't have the money, my friend has not gotten the money back either. 

I call Ollo every day, and every day I get a new excuse. We have provided them with all the documents that I will attach. We told them to simply call XXXX bank and authorized them to do that. They won't read the documents, they won't call XXXX Bank, they won't transfer the money back to my friend XXXX. They could simply call XXXX and verify? They won't do that either. 

They have stolen our money and called us the thieves. 

The stress has actually caused me to break out in 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 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-07
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Commerce Bank XXXX XXXX XXXX, MO A snowball effect of overdraft charges from smaller XXXX transactions going through one at a time. All overdraft charges were from legitimate charges going through when I did not have enough money in my account. The overdraft charges inevitably made it impossible to bring my account into the positive. Each penalty is worth {$36.00}. 

XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$72.00} XX/XX/XXXX - XXXX x {$36.00} = {$36.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} Total = {$680.00} I called the bank to ask for help. They were able to refund 4 overdraft charges, along with an additional {$50.00} leaving me {$490.00} in the hole. I called again asking to speak to a manager but was never able to reach them and was told this wouldn't be solved by a manager override. I've been having financial issues stemming from a divorce in XXXX and being blindsided by a lack of additional employment due to COVID. I've been asking for years for any kind of tools or resources I can use to help mitigate issues, and until I prodded today over the phone was not aware that I could be using a loan I had from them to buffer my overdraft charges, nor was I made aware that setting up a savings account could help. I was given no valuable advice or suggestions in 4 years. It's hard for me not to believe these resources were withheld from me ( after REPEATED requests for assistance ) because overdraft charges are a more lucrative endeavor than helping customers get on their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: DISCOVER BANK
State: IL
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 a new laptop computer online XX/XX/2022 for XXXX the laptop was falsely advertised and the XXXX factory seal missing therefore this laptop was used, refurbed or tampered with, also later noticing the specifications were not correct, I took this matter up customer service multiple times disputing the charge and it kept being solved in the merchants favor saying it was a valid transaction, so i contacted the Executive officer of customer advocacy ( XXXX ) Once again they said it was a valid transaction, This Has Nothing To Do With Being A Valid Transaction, This Was Fraud And False Advertising Which Is Illegal, Therefore they Let A Criminal Violate me, I've Been A Customer Of Discover For 28 Years, I Definitely Do Not Agree With The Way This Issue Was Handled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 5th 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. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  Inquiry : XXXX. 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of today XX/XX/XXXX   I have not been able to see my TRANSUNION credit report through their website for 60 days now. Ive already attempted to contact TransUnion by phone twice and i received no help on this situation. I have the right to fairness and I find it unfair that I can not view my current credit score or current 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 2023-12-09
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Westlake Services, LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I signed a lease for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. The contract was handled through CULA, Credit Union Leasing of America. To obtain a lower payment on the Lease I traded in a vehicle that was given credit for it. My total down payment was {$7900.00} on the price. I leased the vehicle from XX/XX/XXXX, until it was in an accident on XX/XX/XXXX. I have a police report that I was not at fault in the accident. I called the credit union that I currently pay my lease to, which is now XXXX XXXX because the account was transferred to them, to let them know what happened. The representative said I had a payout balance of {$34000.00} that was owed on the vehicle but to see what the insurance adjuster said first. I took it to an adjuster that estimated initially {$21000.00} in damage. After the adjuster took the vehicle for a closer inspection it was changed to over {$31000.00} and deemed a total loss. The insurance company said the payout was {$42000.00} ( roughly ) so that I would not need GAP insurance to pay a difference on the vehicle. All companies, such as XXXX, XXXX, XXXX, etc., take the payout balance and the equity, if any, returns to the consumer. On a call with XXXX to Cula to arrange for payment CULA states they keep all monies for the vehicle, including the overage from any down payment. The representative, XXXX XXXX, said it is in the contract and that is what is going to happen. He was rude and the XXXX representative, who had arranged the call as a three-way, apologized at the call 's conclusion for the way the representative explained things. I e-mailed CULA again, hoping they would release the funds, explaining that this practice is not common and unfair to the consumer, but was told to refer to the contract. In fact, the representative ( XXXX ) highlighted a section of the contract that says if the vehicle is a total loss the lease terminates. While it says the company is deemed as a loss payee is does not say they claim all rights to any equity. I explained I had no right to purchase the vehicle, through no fault of my own, and I should not lose the opportunity to purchase the vehicle or claim any equity. Again, other company 's do not claim the equity but only take the payoff amount. CULA refuses to discuss it and the contract is not clear to the average consumer nor is it a fair business practice. CULA claims to be the sole owner, yet CULA signed a power of attorney to allow me to be added as an owner, in order to register the vehicle in XXXX XXXX XXXX XXXX views CULA and I as co-owners of the vehicle as seen on the registration that is attached.

Company response to consumer: Closed with explanation