BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed a dispute through XXXX XXXX XXXX. The company, XXXX have not replied. This company is working for Capitalone Bank. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: snw investments
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Elite One ( XXXX XXXX and XXXX XXXX XXXX XXXX distributed a copy of a draft loan application to an incorrect email address via DocuSign on both XX/XX/XXXX and XX/XX/XXXX. This included our SSNs, employment and salaries, bank account numbers and balances, credit information, addresses, birthdays - a goldmine for anyone looking to steal our credit and identity. 

XXXX XXXX / Elite One lied to us twice about it in an attempt to cover it up. I have confirmed with XXXX XXXX Support that the documents were indeed sent to and received at the incorrect email address. I have confirmed through XXXX that the incorrect gmail address is valid and active. 

This is a culmination of 4+ months of poor communication, sloppy work and inconsistent status of our loan. XXXX XXXX promised on XX/XX/XXXX we were not in danger of losing our rate lock due to a delay in loan application. Next we heard from him, or anyone at Elite One, on XX/XX/XXXX our interest rate was lost and we had to start over from scratch.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03
Company: SYNCHRONY FINANCIAL
State: NY
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 initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain mortgage.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem getting your free annual credit report

Complaint:
have not gotton my free credit report with score

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 2018-12-10
Company: Experian Information Solutions Inc.
State: GA
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:
Need Copy of credit report w credit score 3 months worth of income source I am a landlord, and less than 2 years ago, I successfully used Experian landlord credit report feature to see the reports of potential tenants. I tried using Experience feature about 1 months ago and the system was not allowing me to send report request to tenants. So I then opted to use XXXX for my tenant applicant and XXXX has a feature that I can view the applicants credit report. When I try using XXXX  credit report check feature with my first applicant, it happens to be with Experian Experian says I have a security freeze and that I needed to send VIA MAIL ID, Bills with address etc so that they can verify my ID, despite me having a PIN for my freeze. I sent in the required information on XX/XX/2018 via USPS. Its XX/XX/18 and I have not heard from Experian and I still cant view my tenants credit report to make an informed decision. I have no idea if I am even going to be able to view my tenant credit history forcing me to have to make a blind decision. I dont understand why I am having such a difficult time with Experian when I have used their services successfully in the past and my security freeze I place myself years ago as a protective measure. Additionally, the tenant applicant paid money for me to be able to view their credit report. Lastly, I have tried calling whatever number I can to speak with someone at Experian but I cant get past the machine operators to speak to a live person. With the amount of information and power credit agencies have, they really should make themselves available to fix issues like this. This could potentially cost me good tenants and thus money.

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 2018-12-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PAID OFF THE BALANCE DUE XX/XX/2019 {$11000.00} - PAID OFF EARLY ONXX/XX/2018 BUT RECEIVED NO BENEFIT FOR EARLY PAYMENT. TALKED WITH TWO SUPERVISIORS WITH NO ADJUSTMENT - IN BANKING WE CALCULATE INTEREST ON SIMPLE WHICH SHOULD SAVE ME {$190.00} IF I HAD PAID THE BALANCE OF {$10000.00} ON XX/XX/2018 - THEY WOULD GET NO INTEREST. IT WOULD SEEM THAT {$1200.00} IN INTEREST FOR A 4 DAY LATE PAYMENT WOULD MAKE THEIR DAY. IT WAS NOT DISCUSSED AT THE TIME SHARE XXXX ABOUT THE DEFERRED INTEREST AND I ASSUMED THE INTEREST WOULD START AFTHER 6 MONTHS.

XXXX XXXX - XXXX XXXX XXXX, XXXX, TEXAS XXXX E-MAIL 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 2018-12-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After multiple disputes, TD Bank has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against : Mr. Cooper Mortgage Service XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX Follow Up Complaint : This is a follow-up case update, that your office has requested. So as to stay involved in this matter. Mr. Cooper Mortgage Service has employed unfairness and deceptive practices, including fraud in the modification review process. Mr. Cooper sent a letter on XX/XX/XXXX, indicating that they had received an application for modification and supporting supplement documentation from us. Contrary to the letter our package was faxed to Mr. Cooper attorney nine days later on XXXX XXXX, with confirmed receipt. Mr. Cooper lawyers said that they will forward the package to Mr. Cooper, which is two days before Mr. Cooper sent a determination letter. Mr. Cooper sent a determination letter based on documents they have not received nor reviewed. Please see the attached letter. With this being said I wonder if my case is an individual case or systematic unfair and deceptive practice. Since Mr. Cooper is not a stranger to the scrutiny of this nature, we are requesting for modification with principal reduction. Mr. Cooper is wanting for foreclosure of {$960000.00}, while the property value is only {$310000.00} per current appraisal. 

The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write off for the bank. The Loan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. 

Mr. Cooper scheduled XX/XX/XXXX, as our Law Day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for modification. We have the financial qualification for a loan modification. Both I and my wife have been in our current jobs for over seven years. ( Please see a motion to open judgment and extend law date by the bank Mr. CooperXXXXXXXX XXXX. You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. CooperXXXX XXXX  motion to open judgment and extend the law date to XX/XX/XXXX. The court document stated that the bank wanted to reopen the judgment and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. 

In hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. 

Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Coastal Credit, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is regarding COASTAL CREDIT , LLC at XXXX - This account is still being reported to the Credit Bureau ... XXXX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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: Their investigation did not fix an error on your report

Complaint:
I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE.

FIX THIS. NOW. 

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 2018-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2018 I inadvertently made a payment to Toyota Financial Services for my vehicle that I was leasing from them but subsequently bought through my bank. During my conversation, with customer service at Toyota Financial, I found out that two extra payments were made on the lease and that I was owed XXXX by Toyota Financial. I was told that a check was being issued and should look for it by the end of the week. 
On XX/XX/XXXX no check. I was told that a check had been cut on XX/XX/XXXX but that they will reissue a check. 
On XX/XX/XXXX I was told that a check was issued on XX/XX/XXXX but was not sent out yet and that I should get it by the end of the week. 
On XX/XX/XXXX no check. I received a case number and was told that Toyota financial will overnight the check and I should receive it by the end of the week. 
On XX/XX/XXXX no check. I was told it was cashed and that administration will look into it and I should call back toward the end of the week. 
I have names of people that I spoke with in customer service. 
I have sent an email to XXXX XXXX XXXX and informed him that I have referred the matter to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient is showing that I have missed a payment in XXXX and XXXX of 2020, which is inaccurate and misleading information. I have Never paid late on this account, this company is in violation for reporting inaccurate and misleading information according to 15usc 1692e and also for reporting late payments according to 15 usc 1666b. The payment history is also showing to be inconsistent. The month of XX/XX/2020 it shows that I was 90 days late and XXXX shows XXXX  days late. How is that possible? If I have been current every month before then. These late payments are ruining my reputation as a consumer and has hurt my report tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Beginning with their notification letter dated ( XX/XX/XXXX ) Bank of America advised me that my savings account of {$790.00} was being closed. If my account had a balance after it's closing, BOA would send me a cashier 's check. I've talked with the two managers of a BOA local banking center to complain about the delay for the return of my savings. My third visit was on ( XX/XX/XXXX ), requesting another call to learn about the status of the check. I learned earlier that the check was cut two weeks before. Every time I called BOA for corporate help, I never could speak with a representative because of the very long wait time. My posted query letter ( XX/XX/XXXX ) to Customer Care in XXXX XXXXwas unanswered. 
A letter from BOA ( XX/XX/XXXX ) .advised me to call the Risk Account Closure dep't for assistance with my cashier 's check. I have not learned anything new going forward and I'm deeply concerned that I've been waiting for an unreasonable amount of time for the cashier 's check. RAC dep't tel. # XXXX XXXX XXXX. 
Thank you.

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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 2018-12-10
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a credit card offer from Discover Card. They lured me in with the PROMISE in writing for a XXXX month 0 interest rate.When I received the card, it was a lie. They stated in the advertisement that the card was guaranteed, upon approval, 0 interested for XXXX months. I was approved for XXXX and yet I only received XXXX months 0 interest, when I called them they said too bad. It was a classic bate and switch. I tried reasoning with them and was told too bad. I want the inquiry removed from my credit report. I work EXTREMELY hard to maintain a great score. They should NOT be allowed to bait and switch people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Can you explain this transaction please? : XX/XX/18 Description : PRIOR DAY RET ITEM FEE- $ XXXX/ITM Amount - {$36.00} Why is there a return fee, it's my cash. Provisional credit is so I may use it as my own and that's what I did I refuse to pay a fee to use my own money. Ridiculous.

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 2020-08-23
Company: EQUIFAX, INC.
State: MA
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:
One of my XXXX XXXX Accounts is duplicated ( listed twice ) on my Equifax credit report. The address listed on my Equifax report is 5 years out of date. XXXX  and XXXX  both have correct information. All of my creditors have my correct current address and are reporting it correctly. The creditor of the duplicated account, XXXX XXXX XXXX, has confirmed that their reporting is correct and that Equifax has incorrectly listed the same identical account twice on their report. 

I have filed an online dispute and called Equifax Customer Service to follow up to no avail. Their customer service is awful. 

Equifax has requested twice, via unattended automated email, that I send them a copy of my driver 's license, my Social Security card or W-2, and a recent utility bill. 

I have no problem with the utility bill, and have faxed them same, but there is no way in XXXX I am going to send my license and Social Security number through the USPS.They claim the be very interested in protecting my personal information. Really? Obviously not! 

I understand they are trying to 'verify ' my identity - sounds reasonable - but sending sensitive documents through the mail is not the way to do so, nor should it matter in this case. I obviously have access to the report in question ( and yes, it's mine ), and the errors I have noted on the report are easily verified as ERRORS! They should be corrected. Period. Full Stop. 

I DO NOT TRUST Equifax with my personal information. They already leaked it to XXXX hackers. As far as I'm concerned they should have been forced to pay far more than they did in the breach settlement. They got off way too easy and it shows. 

I want a human being with authorization to do something about this to contact me. 
My existing Equifax dispute numbers are : XXXX and XXXX

Company response to consumer: Closed with explanation