BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The finance company gave me a different interest rate than what was told to me at the time of the sale. They had full access to my account and would automatically take out my payment on a non payday, causing me to rack up late fees. When I ask to move my payment to my payday they informed me that they did but they really didn't. And with doing this it put me upside down in my vehicle within the first 5 months of having this car. I have been dealing with this now for 2 years because no one will touch it with the interest rate they have me at, and they still will not budge on anything. Within the 2 year i have tried to get out from under this company and still nothing because i am now so far negative on this note. I am still paying my car note on my payday and still receiving late fees. I do not feel like i got a good deal on my car or the financing. I strongly feel like they are railroading me and the car is only Valued at {$7900.00} if anything. They car was price at XXXX. After 5 months of having this vehicle the car was priced at XXXX. I drive a used 2013 XXXX XXXX with now XXXX miles on it. I am looking at paying way more than what the car is worth. Plus everytime i call to get a pay out the amount is always different. In 1 weekend the payout amount went from XXXX to 15k-plus to XXXX. to the final {$15000.00}. Nothing is adding up with this finance company. And I want to put them on notice and if anything stop them from taking advantage of people. My credit has been completely shot due to ALLY Financial. I am now having to somehow start over just to get my credit decent.

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 2018-01-24
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This, car was not working correctly since I got it from the lot. I took it in a few times for service and the engine light was always on. I had to return the car back due to all the trouble it was giving me and I was paying more out of pocket to have a mechanic fix it. The car was returned and I am still getting billed for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: NJ
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 sent multiple letters to XXXX XXXX, Equifax and XXXX, dated back to XX/XX/2020, expressing my concern regarding the inaccurate information being reported on my credit report. they insist that the information has been verified as accurate I XXXX XXXX never gave consent to report such things on my report. Under the 15usc-1681a this is illegal! 
XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX Equifax : XXXX , XXXX XXXX XXXX  , XXXX , XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX : XXXX, XXXX , XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax reports me as an authorized user for a vehicle charge-off XX/XX/2014 and still reporting negatively on this account that is not mine. I am not a joint-owner nor did I co-sign, also I am not married never was therefore not a spouse and not held responsible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Several family members have received phone calls from this company about a money I owe. The tell my family and friends that I am being serve for wire fraud, however I have never received anything in writing. My family and friends were not contacts on any loan of mine. This company took the liberty of calling my work and my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: TX
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:
Consumer Financial Protection Bureau To Whom It May Concern, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes XXXX Equifax XXXX, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the XXXX saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its XXXX teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its XXXX  accountable. This incident comes XXXX years after Equifax announced XXXX of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 



Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 

Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 got a {$500.00} loan from XXXX XXXX in XX/XX/XXXX. I agreed to pay weekly on Fridays. Mid XXXX I had fraud issue with my bank account so my account was delinquent until i fixed it towards the end of XX/XX/XXXX. During these couple weeks XXXX would not let me pay my weekly payment with another form of payment. So I had to put a stop payment so i would not keep getting fees from my bank. Once I had my account back in order I tried to resume may payments. For 2 weeks in a row my attempts to pay got rejected. It was very difficult to get in contact with a person to figure out what was going on. Once I finally did my payments resumed ( XX/XX/XXXX ) except they told me my loan payments would be restarted since I had missed a few payments, which I think is unfair because I did contact them to try to pay. For 4 weeks from the end of XX/XX/XXXX to mid XX/XX/XXXX I missed payments ( XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Since XX/XX/XXXX I have been making my payments weekly as they are drafted out of my checking account as a check every Thursday now for {$9.00}. My credit report currently says that I am 120-149 days past due. I have called XXXX about this they told me I would just have to dispute it. I have disputed it several times of different platforms and my account continues to not be updated. This is really hurting my credit 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 explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have got a 30 day late from CapitalOne report on my credit report because I never received my statement on time, after finding out that I had owed them I quickly sent out {$75.00} check with the USPS postal service as a 2 day deliver with tracking number XXXX ( unfortunately usps does not keep tracking longer then 120 days ) but during this time CapitalOne did receive the mail because it showed with tracking it was delivered but for some reason they never applied the credit to my account. After finding this out I quickly paid them over the phone or online I don't remember exactly but it was paid eventually. now they have reported a 30 day late in my credit report which it causing me damages for applying other credit cards that give me higher interest rates do to late being reported. This problem was caused by a chain reaction 1st being not getting the statement then not receiving my check if I didnt have the 1st problem we wouldn't have this problem. I have requested tracking number of the statement with capitalone which they cant provide me. there is no proof that they sent me a statement so I can know what has happen. If they cant remove my 30 day late or so me proof from there end I was late because of my fault then they need to remove the 30 day negative report from my credit report, I have contact them many times only to get a canned response back that its verified and late from there end. Where is your proof its late? Cap1 for the payment late because they never sent me a statement to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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:
I XXXX XXXX a natural living person never gave Equifax permission to report INACCURATE information on my consumers report define 15 USC 1681 B ( 2 ) 15 USC 1692 its been 90 days since i sent them my affidavit of truth! an no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: PA
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: Problem with personal statement of dispute

Complaint:
Reopening case # XXXX with additional proof. Please see attached the online pdf excerpt of my latest bill, which I sent to the customer service rep ( and which she ignored ). Please see the date stamp and compare to company 's. Claim was that I had a past due amount but my view of my online activity showed none. I sent an email to customer service with this copy and no one replied.

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 2021-06-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
im writing this complaint on regards of the unfairness and unjust findings on my consumer credit report. I have filed a complaint with the XXXX XXXX XXXX  and they have confirmed indeed that I am not liable for this debt, and I would like it to be removed from my consumer credit report as soon as possible as I feel that the bureaus are using a tacit to leave the negative information to be reported longer! if you could take a look at my attachments you will find my claim to be more reliable and truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: WELLS FARGO & COMPANY
State: NV
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 customer service

Complaint:
I use Wells Fargo for merchant services ( credit card processing ) I own a small business that was recently scammed by a customer  using stolen credit cards. 
I reported this to wells fargo. They sent me letters showing chargebacks from the victims and removed all funds available in our business accounts and my personal checking account. 
Next they froze our merchant account that receives our credit card charges. They refuse to unfreeze the account but still allow us to run credit card charges to it. Thus our customers are paying their bills each day to a frozen wells fargo account. They have now withheld more than the total amount of the suspected fraud charges. 
I have been told that only the security department at wells fargo can unfreeze the account but when myself or other wells fargo customer service agents call that department, the call goes to voice mail and the mail box is full. 
My company is going to run out of cash to pay employees and bills. We are going to close. But the only department that can apparently help unfreeze my account is unreachable. 
Also, establishing a new credit card processing relationship can take up to a week and does not leave us time to pay the employees or vendors. 

Please help save our jobs thanks 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 2018-06-04
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card ( ending in XXXX ) with Discover Bank. 

There have been several issue with this card and Discover is handling this very poorly. 
My credit line is {$3300.00}. A couple of weeks ago, I paid for some airlines tickets ( total $ 1,600.00+ ) through XXXX , so my balance was a little higher than that. That means I still had approximately {$1200.00} credit. 
Due to some glitch ( es ), either on the XXXX or the Discover side, a duplicate charge for the same amount showed up on the credit card which effectively went over my credit limit. It stayed there, pending for approximately 1 week before Discover/XXXX  removed it. Discover said it wasn't them, that it was the merchant although I still can't figure out why they'd let them attempt to charge me twice without texting me about either of the charges to approved or deny ( as they've done in the past ). 
Finally, the duplicate charge was removed after about 7-8 days which means I still had approximately {$1200.00} in credit. 
I had a couple of charges from other merchants that got rejected because of the XXXX charges. But now I hoped I could start paying bills. Well, not really. Because even though my credit should be the one mentioned above, Discover says I only have {$6.00} credit. There are no charges on my card and as you can seen, the billing activity only shows $ 1,700+ in charges. As of now, it looks like my card has been blocked due to these various issues for about 10 days. 
I don't understand why Discover keeps doing this. It's not only bad math and that's alarming enough coming from a credit card company but it's an unfair, sneaky, misleading practice that is putting me in danger of incurring late charges from merchants that I can't pay because of this problem. 
Why was I not protected from the duplicate charge from XXXX? Once that got removed, why is my credit only {$6.00} when it's supposed to be {$1200.00}? Why is Discover taking so long to update my account and why am I not being notified of potential issues with my credit line? 
Again, this is not the first time this has happened. Even though Discover says I have credit for XXXX, I've seen that when I go over {$2000.00}, my credit gets blocked. When I ask questions, their explanations usually seem designed to shut me up or mislead me as to what's really happening with my credit. 
I want my card unblocked and my account updated with my real credit line. If my credit line is really only {$2000.00}, then why is Discover making me think it's {$3300.00} and then doesn't let charges go through? And I would really like real time updates to my account history and more expediency resolving billing/transaction issues ( not 8, not 10 days to resolve seemingly simple issues ). 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have an FHA mortgage on our primary home. It has PMI insurance. We paid over 40 % down payment and the home value has risen 30 %. 

We have requested to cancel PMI insurance XX/XX/2019 and been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a toxic property sold to me at XXXX XXXX XXXX XXXX, Arizona with arsenic, and that caused default. I received no response from them except one recent reply from transunion. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?

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 2019-05-15
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I mailed in credit investigation requests on XX/XX/XXXX. I was supposed to receive something back within 30 days, but so far, I haven't received anything.

Company response to consumer: Closed with explanation