BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for an auto loan at OneMain Financial on XX/XX/2019. 
I was called that the loan has been approved after reviewing all the documents sent to them. 
I live in XXXX and the Car that I found was in XXXX PA where the OneMain Financial is also located The bank called me that the Loan has been approved and I should come sign the documents and pick the car immediately. 
I told them I will come the next day. 
I took off at work and called the car dealer car dealer to let them know we will be coming the next morning The next Morning I started the 4hrs30 mind journey, The bank called me to ask if I am on my way already, i told them yes i am on my way with my wife and kids ( XXXX old and XXXX old ), And she said we are waiting, she said to come with my insurance card and I told her I will do. 
Few minutes later, after driving for 2hrs45mins, the car dealer called that he doesn't understand what the bank is saying that I have to call the bank, He said the loan is not Approved. 
I immediately called the bank and they told me they are sorry that the loan is not approved because of some documents I was in total shock, Not because the loan was not approved, But because they asked me to come, and I took off for the day and have my family in the car, on the road for hours. 
I was told sorry and I had to drive another 2hrs45mins back home My kid took ill and my car broke down on my way back. 
It was just a terrible day for my Family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 opened a Bank of America XXXX XXXX account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a XXXX XXXX that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my XXXX and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a XXXX XXXX XXXX. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own.

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 2019-05-23
Company: AMERICAN EXPRESS COMPANY
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2020. I tried to access my account online from Experian and they kept telling me I needed to sign up for a membership. The membership is a PAID service. I tried to call customer service but every phone number I could find was answered by a computer, and there was NO option at all to talk to a live person. Every option led to yet another computer and there was no way to go back a step to make a different selection, nor was there an option to return to a main menu. The only alternative was to hang up, redial, and start over again entering about 5 minutes of screening information. Back on my computer I entered personal information on the membership form. Up popped a price list for services. Nowhere did they tell you there were also free services. Same thing happened when I tried to put a freeze on my account. Up popped a message that I had to pay. Please stop Experian from charging for free services

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 2021-09-04
Company: EQUIFAX, INC.
State: SC
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'm writing to request that the items shown in my credit report be removed from my profile. These requests for information were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I contacted Santander and they will not give me any information on GAP and the amount that I paid. They have told me it does not show up in their system when it's a fact GAP was added to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in charge of Enforcement. XXXX  received the Identity Theft and Fraud Report via Certified Mail # XXXX in which the certified was signed into Experian possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Experian is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Account From XXXX/XXXX.

Legal action will be filed in a Court of Law. Experian must delete the fraudulent account XXXX/XXXX  upon immediately receiving this complaint or Experians Registered Agent will be served with Legal Process in 3 days from now

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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

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 2017-12-08
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment of {$380.00} to Discover Student Loans on XXXX XXXX, XXXX through my online banking. Without notifying me, Discover changed my account number, and due to the change, my payment was not credited to my account. I spoke with a manager on the phone, which is when I learned about the change to my account number. He then asked me to obtain a letter of remittance from my bank, which he said would help them track down the payment. He assured me the payment would be credited to my account as of the date that it was received. My bank mailed that letter to me on XXXX XXXX, and I uploaded it to Discover on XXXX XXXX. I have since emailed them 3 times through their online messaging system to ask why they have not found my payment and credited it to my account. Now they are telling me I need to call them if I want to discuss my options. I uploaded the letter from my bank again today. They have had my payment for over a month, have refused to locate and crefit it to my account, even though the entire situation was their fault, and they continue to make harassing calls telling me that i am behind in payments - which i am not! I expect them to find my payment, credit it to my account as of XXXX XXXX, and remove any interest that accrued on that missing payment in the last month! I also expect the harassing calls to stop, and for them to remove any negative information they sent to credit reporting agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection agency calls almost daily and I have told them they have the wrong number and we don't know the person they are calling for, but they keep calling back and hanging up when the machine answers or just before it does.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have a credit card account with Capital One which had a balance due amount of {$460.00} with a due date of XX/XX/XXXX. I paid off the whole balance on the account by the due date, and I have a copy of the receipt. I later received a bill the following month for the XX/XX/XXXX statement with a balance due on the account, showing as a finance charge on the amount I had paid off. The statement should have been showing a XXXX  balance. I never used the card after I paid the last balance off, so my account should be showing a XXXX  balance. So I called capital one, and asked them why they were charging me the finance charge on the account that was paid off and up to date, and should be having a XXXX  balance. They told me the finance charge was incurred even before I paid the balance off. However, there was a finance charge already included on the balance that I paid off. They told me I should have contacted them to get a payoff quote before paying up the balance on the account. I told them I have never heard of such a thing, as I have other credit cards and when I pay off my balances in full, none of them has ever come back to charge a finance charge on the account that was paid off. Capital one would not reason with me, but still insisted that the account had the finance charge balance that must be paid. I requested to speak with a manager, and they gave me a supervisor to talk to, who was still telling me the same thing. So, I told them I was going to report them to the consumer affairs department. Now, as of today XX/XX/XXXX I already received a new statement from Capital One showing that they added another finance charge and past due fee to the last amount I had in dispute with them. This is an unfair and unethical practice by Capital One, which I feel the government should know about, because they may be doing it to a lot of other people who may not be checking their account, and getting away with it. I hope you would be able to resolve this issue, after which I will have to close my account with them, since they can not be trusted anymore. I have paid my balances in full in the past with them, and never had this kind of problem, so this is a new way they are trying to " steal '' from from innocent consumers. I hope if anyone reads this, and have a Capital One credit card will start reading their statements carefully, to catch any irregularities like mine. Thank you for your assistance on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 These inquiries are Unuathoirzied on my Transunion Report ... after speaking with number associates to get deleted and none of them helped, ,so I brought the issue here, ,we would like these Inquiries removed 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 2015-11-13
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the mail claiming that I owe debt to a creditor for my daughter that was sent to ONLINE Information Services ( dba ONLINE Collections ). I called the debt collection company to get their professional license number and they refused to give it to me. Also, when they tried to verify my account info and asked for the last XXXX digits of my social security number and my daughter 's date of birth, the information they have on file was incorrect. Further, my first name on the letter was spelled incorrectly. 

I believe this is a fraudulent company and a scam to collect personal information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: SYNCHRONY FINANCIAL
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I purchased a item from Amazon for {$200.00} and used my Amazon Store Card from Synchrony Bank. On XX/XX/2021 I returned the item back to Amazon and was given credit by Amazon, however when I looked at my online statement I noticed the credit was not applied to my card. So, I called Synchrony and asked them about the credit that was not showing on my account and they refused to apply the credit to my card because they said they have to hold on to it for 30-60 days. Then in addition to that they charged me interest on the monies that were credited. I

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Wells Fargo in attempts to clear up a 30 day late payment that has been added to my credit report. The account is current, and I informed them that I attempted to set up automatic payments that apparently did not go through for that month. As soon as I noticed the issue that payment was made, and I called to make sure that the automatic payment service was set up properly. I spoke with a Executive Resolution Specialist with Wells Fargo in attempts to resolve problem, and have the 30 day late removed. In turn I was treated extremely poorly. The " Specialist '' was very rude, demeaning, and belittling. He refused to listen what I had to say, and made no attempt to help work with what I would think a valued customer. I am very disappointed in the so called service that Wells Fargo has provided.

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 2020-01-29
Company: MORTGAGE FINANCIAL SERVICES
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our home caught on fire on XX/XX/XXXX. I found Mortgage Financial Services online through a government website for lenders that help people in Texas get loans if they meet certain eligibility requirements. They connected us with XXXX XXXX at Mortgage Financial Services in XXXX, TX. 

We started working with her on XX/XX/XXXX. On XX/XX/XXXX she advised my husband she would also have to run my credit. We worked with her sending her multiple e-mails and income verification documents. She said that we were approved for the loan so we started looking at houses. She also said the payments would be 820-840/month with taxes and insurance, great! 

We signed a contract on a new house, but the seller would not accept the offer without a prequel letter from the lender. So XXXX created a letter for us to say that we were approved. The seller then accepted our offer. We then proceeded to pay XXXX in escrow, the XXXX dollar option fee and then we paid {$420.00} for a home inspection. Great, excited, we're buying a house! 

XXXX then e-mails us on XX/XX/XXXX and says never mind she was wrong and we can't do it. After we had already spent over {$500.00} dollars on an inspection and the other fees associated with purchasing the home. The reason because she JUST ran my credit, that she was supposed to run on XX/XX/XXXX and also because she didn't know the extra XXXX income was my income and not my husbands. The only thing on my credit affecting this decisions was the student loans, which I have been paying on. You can tell that I have not had a late payment on anything in over two years. 

I sent her all of the documents she needed before we even signed the contract on the house and this is information that she should have verified BEFORE we spent all this money trying to get a home. With our house catching on fire on XX/XX/XXXX, that was ALL the money we had to spend trying to get a home. 

The lender did not do the work on her end to make sure that we could get a home before we invested time, money and resources into purchasing a new home. We have the money and we can either pay someone rent or we can pay the lender. Given the lenders error, I feel like they should have to follow through with the deal. This is their error and it is their fault that we made the deal in the first place because they made false promises without doing their job correctly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: General Motors Financial Company, 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 status incorrect

Complaint:
I have never been late on my closed account with gm financial, I have a late payment showing for the month of XX/XX/2017, I have disputed this numerous times with gm financial and the credit reporting agencies directly, this is my final attempt before I pursue legal action against gm financial. I have never been late with this account and I have documents to prove such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: TD BANK US HOLDING COMPANY
State: GA
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:
On XX/XX/2019 when applying for a loan to purchase a car. I authorized XXXX XXXX to run my credit one time to a specific lender. They assured me that It would be only one. I have been getting notices from creditors that I don't recognize stating that XXXX gave them permission to run my credit. That has been reported to my credit reports ( all 3 of them ) over 33 or more times which is causing adverse actions on my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: EQUIFAX, INC.
State: NV
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 is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a XXXX vehicle for XXXX XXXX. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days  after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.

Company response to consumer: Closed with explanation