BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Home depot store credit card issued by Citibank , N.A . had it's credit limit decreased which caused my credit score to drop. I was not contacted in anyway that this took place by Citibank. I was alerted by the credit reporting agency that my score had dropped due to the credit limit decrease. I contacted Citibank and was informed that they decreased my limit due to no purchase activity. I informed them that I was not made aware of the limit decrease by them and asked that the limit be reinstated. Citibank customer service stated that they have to pull a hard report in order to put the limit back to where it was. I declined the increase as it would damage my good credit and that it would drop my credit score even more. I was advised that they should have notified my that they were going to lower my limit. I then spoke with an account supervisor and was told that my account would not have the credit limit decreased again as to avoid damage to my credit report. Approx 2 months later I was alerted by the credit report agency that my score dropped again due the same issue as before with Citibank. On XX/XX/19 I spoke with an account supervisor and explained what happened again and a review of the notes from prior incident confirmed the issue. I again was told that they can run a hard inquiry to reinstate my original limit. I then requested to speak with their supervisor and was told that they do not give out that information. I again requested a contact for their supervisor and was denied the request and was hung up on. I was professional and respectful at all times during both phone conversations. These negative actions by Citibank have caused damage to my credit report. I was advised after the first credit decrease that it would no happen again and was assured that my account and limit would stay as agreed. I was told that I should buy something for a dollar at home depot to keep my account in current standing as to avoid the limit decreases. Is was given a team ID of XXXX as reference for further communication with Citibank per account manager 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 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
An annual capital one member fee was placed on my account on XX/XX/XXXX. I called and spoke to a representative in the week of XX/XX/XXXX and was informed that I could cancel anytime within the next 45 days and so didn't need to cancel right away. I then called again to cancel the card and refund the member fee on XX/XX/20 but was notified that it was over 60 days from XX/XX/XXXX and so the fee would not be refunded back to me. This was very misleading information and I would like to have the fee of {$95.00} refunded back to me and my account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 received an automated voicemail from " XXXX '' from " The Underwriting Department '' regarding my Capital One credit card. They claimed that based on my payment history I qualified for a 1.9 % interest rate, that I just needed to call back and provide additional information. They said that it was the only call I would receive about the offer and that the offer would expire in 3 days. The phone number provided was XXXX. 

I did not call the number back, I called Capital One. They have launched an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My current FHA backed mortgage is being serviced with BSI Financial Services. When Covid hit, our income was significantly impacted. We called BSI Financial asking them about our options. They had us download the Loss Mitigation application, but we never filled it out. We then called and asked again what our options were as we are still currently experiencing a hardship. BSI told us that they do not offer forbearances, and that paying our mortgage was the best  option for us. On XX/XX/, we sent an email asking again what our option are for a forbearance explaining to them the hours and income had been reduced significantly. They never responded to our email request. On XXXX BSI called my work, reaching my manager, and  having him tell me that I need to get in touch with BSI and to call them at XXXX. We were not able to pay the full amount of our payment ( we were {$300.00} short ), and they said that we had 3 months to pay that remaining {$300.00} over 3 months, but if it went over the 3rd month that it would be a bad situation. Our credit has now been impacted significantly, even though the CARES Act allowed forbearances on all federally backed mortgages, and a  freeze on foreclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inquiries on my credit that do not belong to me that appear on my Equifax credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX  C XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have reported to Equifax that these items are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: MD
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:
This is my fourth attempt to have inaccurate information removed from my credit report. Equifax reports a 60 then 90 day late and then the next month reports 30 days late on an account. I have tried repeatedly to correct this information. I have sent my drivers license, notorized letters, copies of my social security card, my military ID, and copies of utility bills. Not only will they not remove the inaccurate information but they keep sending me letters asking for the very same documents I sent off to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
Re : Toyota Corolla - XXXX -VIN : XXXX. I sincerely believe that Im a victim of a yo-yo and/or spot delivery scam perpetrated by Toyota Financial Services ( TFS ) and XXXX XXXX Toyota, XXXX, TX on or about XX/XX/2015. Additionally, TFS, in collusion with XXXX XXXX sales personnel and finance department, misrepresented the facts during the car-buying and loan-signing process. I was told that TFS was requiring that I purchase an extended warranty, disability, and gap insurance. Although I indicated that I did not want the extended warranty or the disability  or gap insurance, the finance officer stated that Toyota Financial Services would not finance the loan without these add-ons. During the loan-signing process, I stated that the monthly auto payment of {$650.00} would be a major financial challenge for me. Because my trade-in had been sold and of my fear of being without transportation and having little-to-no knowledge of contract law, I reluctantly and under great duress signed the deal to purchase the XXXX Corolla. I'm presently under the care of a XXXX ( XXXX XXXX XXXX, MD of XXXX Hospital ) because this matter has caused me great XXXX and thoughts of XXXX. Additionally, I've received no support, financial or contractual solution from TFS despite several phone calls, emails and faxes complaining about this matter. 


I would like for TFS to immediately cease any planned repossession of my auto until this matter can be resolved. And I would like for TFS to do a very thorough and complete audit of my loan documents that are currently in the hands of XXXX XXXX Toyota of XXXX. 

I am seeking immediate relief and would like all parties involved ( myself, Toyota Financial Services, Toyota Motor Corporation and XXXX XXXX Toyota ), and all those who have a fiduciary interest in this matter, to provide such relief that will be beneficial to all. It is my desire to resolve this matter without the need to involve the courts, Texas Department of Motor Vehicles, the FTC, the press, social media, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " XXXX XXXX XXXX ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX, the account for myself and my daughter was frozen ( my daughter is XXXX and it is her account, I am just a signer ). We went to the bank to inquire as to why and we were advised that their had been some fraudulent transactions on her account and they needed time to investigate. Since that time we have been there multiple times and have gotten nowhere. Her account is now closed and has been sent to collections, but the lady over the XXXX branch insists that my daughter had to have done it or have some knowledge of how someone got her info. We discovered that there had been multiple fraudulent mobile deposits where they tried to transfer the money out immediately, but it did not work. Her signature or information is not on any of the checks that were supposedly deposited and they continue to tell me that she would have had to have given her login information to her online banking. I explained to them that people 's social media accounts are hacked all the time, without the actual user provided and requested that they conduct a deeper investigation so that she can be excused of the fees that are now in collections. I have been told by 2 different branches that since it is now in collections that their investigation is closed and she just has to " XXXX it up '' and pay the fees. She is XXXX XXXX XXXX with a hit on her credit before she can even get into the real world and I do not feel as though she should pay these fees, since her account was in the positive when all of this started.

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 2021-09-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
As the debtor I am asserting my rights to per my contract with Wells Fargo. I am asserting my right to rescind the transaction. Pursuant

to 15 USC 1635. Pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Wells Fargo used deceptive and misleading paperwork to conduct a consumer credit sale transaction. Pursuant to 15 USC 1692 J. The vehicle was paid by the promissory note that is the negotiable instrument. This is in fact unfair practices and a violation of my rights. Pursuant to 15 USC 1692 F. This is violation of federal law. Wells Fargo blatantly violated my rights as a consumer by advertising down payments and installments. Pursuant to 15 usc 1662. Wells Fargo coerced me into making monthly payments.Violations of my consumer rights is violation of Regulation B as well as the Equal Credit Opportunity Act. 

Wells Fargo gave my private information to another organization which is unfair. My rights to privacy have been infringed.

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 2018-03-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union extended a checking account to me with XXXX overdraft protection XXXX. In XXXX they also approved me for a XXXX credit card XXXX and loans. 
My checking account has been frozen 20 times end of XXXX to XXXX. During the Holidays XXXX and XXXX I couldn't access my funds through ATM. I was forced to borrowed money from friends and relatives until the NFCU staff came back from the Holidays to access my funds. The collections department until XXXX would pay my bills using my overdraft monies that was a normal practice for 3 years. Also charged XXXX fees in excess. I requested a line of checking account credit but the representative said they'd have to shut down my visa card for a week for me to get approved. I've been told my account can be approved for a second checking accounts. They've held me on the XXXX overdraft since XXXX. 
I was also told that the fees were correct charges of excess in overdraft eating my paycheck every week. 
Collections threatened me in letter form that my checking account would be closed because of my negative balance but refuse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have reached out to Ally Financial on a number of occasions. They have not applied the 2 missing payments of {$400.00} to my account : XXXX. I have sent the facts from my bank report and the representatives/managers in the asset recovery department are disconnecting my calls without resolving the issue. The dates for the missing payments are XX/XX/XXXX and XX/XX/XXXX. The outstanding balance is incorrect and they are reporting inaccurate information to the major credit reporting agencies.

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 2021-09-22
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/ the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX XXXX for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX emailed that they would send me a check so that I could pay off the car to the lender ( Exeter finance ). Some weeks went by and when I contacted XXXX XXXX they said that they paid XXXX to Exeter finance in XX/XX/ instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/ I contacted Gap ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender Exeter finance. They confirmed that they had received the XXXX check in XX/XX/ and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However Exeter finance put a charge off on my account at the end of XX/XX/. They were given XXXX in XXXX. When I spoke to a manager at Exeter finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/ and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: ASG Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called ASG XXXX XXXX called me on XX/XX/18 at XXXX. A man named XXXX XXXX was the caller and said he was reaching out to me as I was involved in a legal matter and to call him asap as this is a timely matter. I believe this is a false claim for debt collection as I received no validation of debt via mail. I would like this company looked into for using fake tactics to collect false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got on behind in payments in XX/XX/2017. I am being charged all kind of fees and i dont know what they are for.They say they have a 3rd party coming to the house every month to see if i am living here. There is a {$15.00} fee for that. I have no proof they were here. And they wont tell me who it is. I signed a paper to have payments owed to be added on to my loan. I was to start out fresh in XX/XX/XXXX. Now they are adding on late charges and fees again. I havent been late. They keep telling me they will check it out but I never hear from them all they do is lie.

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 2018-08-28
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I have reached out to Nelnet on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised Nelnet that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Yamaha Motor Finance Corporation USA
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: Account information incorrect

Complaint:
Contacted Yamaha about removing 6 late payments. Was told to email their correspondence department and they would remove it. However, the correspondence dept did not respond to my email.

Company response to consumer: Closed with explanation