BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: OneMain Finance Corporation
State: IL
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:
One main financial has broken 3 laws 1. Cease and desist. 
I sent them cease and desist paperwork. I was still getting harassment calls by XXXXnemain financial. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

I gave you all a cease and desist letter and I was still getting called by you all.

Right to rescind I have a right to Resc per Us code 1635, I am not liable for any of these charges! I was told from XXXX XXXX that right to rescind only applies to mortgage which is a lie. To prove that, I have attached screenshots from the Law below which clearly thats " ANY CREDIT TRANSACTION '' Which includes ( loans ). Per law, I have to be given documentation about my right to rescind. This was not given to me and I sent paperwork which is illegal. This contract is void and needs to be terminated immediately! 

Late payments Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus These are violations of the U.s. consumer law. I have a pending lawsuits against wells fargo for violatiing these same laws and I will do the same with onemain financial. 

Remove the late payments IMMEDIATELY AND TERMINATE THIS CONTRACT! 


I Have also sent a letter to the board and corporate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with M & T bank on the XXXX of XXXX. I was told my account would be new but if I were told that it would take six days to deposit a check for 30 days I would have walked out. 

Whenever I called the bank I'd get conflicting information. I deposited another check last Thursday ( XXXX of XXXX ) from my employer and I have to wait till Saturday ( XXXX of XXXX ) to access my money. I spoke with the branch manager and told them I'd be closing my account and asked for a wavier of the {$50.00} closing fee and she said come in Monday. 

This bank has been holding my money hostage with these holds and I find it extremely inappropriate that I must wait till Saturday to get my money in to close my account with this Bank that has caused me so many delays in my life. Like I said if I was told moments like this will occur for 30 days I would have walked out of the bank and not opened an account there.

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 2018-03-28
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I put my home for sale XX/XX/XXXX ... dropped the price multiple times with no buyers. In XXXX of XXXX we started the short sale process with Ditech, with a qualified buyer. Since then it has been an endless cycle of submit paperwork ( tax returns, paystubs, any revenue streams, hardship letter, etc. ), they hold it for so long ( about two weeks ) and then they want more recent info. I submit the updated info over and over, then they ask for something else but it is always the same results, like this is some sort of game. 

In XX/XX/XXXX, they claimed I asked for a modification ( not a short sale ), but that I was denied. I NEVER asked for that (? ), my taxes went from $ XXXX to $ XXXX in XXXX years and I knew that I couldn't afford to reside there anymore. They then admitted it had been a mistake in their system, so we began the paperwork merry go round again. 

My real estate agent suggested a lawyer may help speed the process, because by now several months had gone by again, so I hired one in XXXX. Same thing, they asked for a current P & L statement, and other information, which was already provided to them several times prior. So once again, I provided all info in a timely fashion. 

Summary : They ( Ditech ) have all the information regarding my P & Ls, from XX/XX/XXXX through XX/XX/XXXX, held it for two weeks, and now demand a quarterly statement of XX/XX/XXXX through XX/XX/XXXX. ( There is definitely a pattern here as you can see ) So another delay and change up tactic by Ditech, since they already have the pertinent information that they have requested. 

I have yet to be formally notified of the sheriff 's sale, I only know because my lawyer told me. Aren't they required to notify me by certified mail? According to my lawyer, they refuse to stop the sheriff 's sale while they consider the short sale, even though this has been held up by them since its inception in XX/XX/XXXX (? ) My Ditech account number is # XXXX. All correspondences on our end have been done via email by my realtor and or my attorney. I can take the time and get copies of those email chains if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: IL
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 sent a letter to 3 Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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:
In despite of my previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$520.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 

By reporting the account below you have violated my federlly protected consumer rights to privacy and confidentiality and by reporting LATE PAYMENTS WHICH IS CONSIDERED TRANSACTIONS on my credit report XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 2 it also states a cunsumer reporting agency can not furnish account without my written instruction 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 then 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.

UNDER 15 USC 1681 section 602 A.

States I have the right to privacy UNDER 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 consent UNDER 15 U.S.C 1666b a creditor may not treat a late payment on a credit card account under a open end consumer credit plan as late for any reason UNDER 15 USC 1681a Paragraph ( 2 ) Exclusions.the term consumer report DOES NOT INCLUDE ANY!!!!!!

( i ) report containing information solely as to transactions or experiences between the consumer WHAT DO TRANSACTIONS MEAN?

A bank transaction is any money that moves in or out of your bank account. Types of bank transactions include cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments.

( 1 ) REMOVE ALL NEGATIVE ACCOUNTS ( 2 ) REMOVE LATE PAYMENTS OFF MY CREDIT REPORT AT ONce

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 2023-05-12
Company: AMERICAN EXPRESS COMPANY
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: Confusing or misleading advertising about the credit card

Complaint:
I've accepted an american credit card offer, after reading the terms, i was certain that XXXX XXXX XXXX XXXX were eligible to have their annual fee waived. When the annual fee kicked in in XX/XX/2023, i sent in a second application for my military benefits. I've never received any email confirming nor deniying my request. I called customer service multiple times, and each time they would tell me a different story and none of them could help .i ended up closing my account in XXXX for lack of transparency, but amex still want me to pay their XXXX $ annual fee and do not want to honnor their offer to an XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: HANCOCK WHITNEY BANK
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of this year I received a call from XXXX XXXX XXXX regarding my car payment, I was behind and I explained to the rep XXXX that I had been in a abusive  relationship and I had been trying to get away from the person but my life was threaten repeatedly and I also suffered some financial loss due to being repeatedly injured, I told him that I can send him copies of the police report and the criminal order of protection. XXXX told me to make a payment by XX/XX/XXXX and he would get with the committee to get a hardship waiver for a few months so that I can be current on my payments and have a little time to get myself together. I had been making payments and then in XXXX my great-great auntie told me that a police officer came to her house looking for me. I contacted the officer and I was informed that my car was supposed to be seized for sheriff sale. I was so shocked, how could this be? So I went to file chapter XXXX bankruptcy and can't afford an attorney to represent me, I heartbroken because they let me make payment after payment and then decide to repo my vehicle, no one ever notified me that my vehicle was up for repossession. I have never had a problem out of a financial company like this. In XXXX I felt like I was lied to because the rep wanted me to believe he felt sorry for the abuse issue I had. If I would have known my car was in jeopardy of repoed I would have slept in my car until things were taken care of. I had to move twice in one month because he located me and threatened my life and I was afraid. I just think whitney bank business ethics are horrible and they are putting me through so much stress its bad enough I have to fear for my life. I have never had issues with making any of my car payments until I went through the unfortunate situation this past year and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: CO
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:
In XXXX of XXXX I sent a letter to Experian to investigate and update XXXX accounts that are reporting inaccurately. 

They responded in XX/XX/2023- stating that the XXXX accounts have been " updated ''. 

I received my credit report and they did nothing to correct or update the accounts. 

First off, these XXXX accounts Have NEVER been late, they are student loan accounts which have been in deferment so it's impossible that they were late. 

They are reporting on all three accounts a payment status of " XXXX was past due 180 days or more ''. Which this is completely an FCRA VIOLATION because a payment status is to reflect the CURRENT PAYMENT STATUS which is " PAID AS AGREED ''. 

Considering they sent me a response stating they were going to update all three accounts and it is completely wrong information being reported, THIS NEEDS TO BE UPDATED TO PAID AS AGREED IMMEDIATELY. 

If this is not changed, I will be forced to exercise my legal rights for their blatant disregard for XXXX XXXX. 

Ive attached the credit reports with the payment status highlighted for your reference, my initial letter requesting the update, and their response showing they said they updated them

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 2018-09-06
Company: Atlanticus Services Corporation
State: MO
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:
on XX/XX/18. tried to buy a transmission from a company. transaction was ran. XXXX through XXXX credit card. on XX/XX/18 all money was refunded. XXXX back to my bank. and XXXX to XXXX  who still has not posted the refund and has continued to charge XXXX interest on said purchase as well. my bank had the refund posted the next day. first contacted XXXX a week after refund asking why its not refunded. was told refunds don't post for 45 days. great way to maximize their collected interest. so I waited that out. then asked and they still claim it was never sent. when it was. I have provided about 5 emails since including me and the company sending them the document 's they asked for and still no refund of the XXXX at this point I honestly feel this is a complete scam of a company. wont return items. charge a yearly fee of XXXX and a monthly fee of XXXX just to have their credit card. I want my refund plus all interest occurred credited back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, XXXX, Equifax and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hello, Capital One Auto Fin. The account is inaccurate.

Checking my 3 credit reports and the closed account is reported as inaccurate, affecting my credit score. XXXX has deleted the false reporting, and XXXX is reporting a closed acct. with an inaccurate large balance, same with XXXX. My car insurance company paid the car loan off because of an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: AMERICAN EXPRESS COMPANY
State: UT
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 made a purchase on American Express credit card for {$9000.00} to XXXX. The total amount paid to XXXX  was {$31000.00}. 0n XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem on services not being met XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I was just ignored about the problem of services not being met. They promised me certain outlined items they would do for me and a guarantee if I did certain outlined items they would stick with me until I made my money back. The company XXXX was finally shut down on XX/XX/XXXX by the Minesota FTC because the company was a scam. The government froze all their assets. 

I have sent paperwork, invoices, contract, guarantee and multiple items of paperwork to American Express credit card company. A gal from the executive office said she would review the case and send me a letter explaining everything. I received letter, but nothing was explained. It was just a generic letter telling me no details. Why should I have to pay back money for services promised to me that were not met when I met all their conditions? I spoke and left messages with the executive office. They said they would resolve it in a fair matter to me. XXXX amount credited to my account is not fair. 

When I last spoke to American Express dispute department they said they were waiting to here back from the merchant XXXX. The owner will never respond, the FTC has shut her business down and frozen all her assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Turned in my lease ( XX/XX/XXXX ) after a dealer incentive to buy a new car. I was told by the dealer there would be no additional lease charges. On XX/XX/XXXX received a bill from XXXX XXXX in the amount of {$1400.00}. They drafted another payment of {$720.00} and applied it against the balance. I was told the excessive charges were for a cracked windshield and 2nd key. I turned in both keys. I got no credit for tuning the car in approx 12,000 miles under the contract limit and was not told of any additional charges before buying the new car. The dealer did involved and I agreed to pay a final balance of {$340.00} to XXXX XXXX which they said would bring balance to XXXX and the dealer reimbursed me as well. 

Now over a year later, I received another bill from XXXX  for {$360.00}. I was told I was lucky this was n't turned over to collections and it would be if I did n't pay it. I was told the additional fee was added because I did n't buy a new car from XXXX. I told him I did buy a new car the day I dropped this one off. He said he did n't see where I purchased a new car. I told him to check with the dealer. He then asked if I financed the car with XXXX. I told him that I financed the new car with the bank chosen by the dealer which was XXXX XXXX XXXX. He said that explains it and they would have waived the fee had I financed with them. I did n't so I have to pay them the {$XXXX} over a year after turning in the car and paying the amount agreed in XX/XX/XXXX. He also said I should have read the contract more carefully as it allowed them to charge the additional fees whenever they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation