BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: ALLY FINANCIAL INC.
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: Investigation took more than 30 days

Complaint:
I was promised by several representatives from Ally Financial Auto Loan Department that they were able to remove late payments from Ally Financial. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : 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 2020-11-03
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received an investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I've discovered a credit inquiry that I did not authorize and it has damaged my credit.

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 2017-12-06
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
States that I opened an account in 2016 and owe {$84.00}. You 're company does n't have a license to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.

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 2019-05-21
Company: SYNCHRONY FINANCIAL
State: NH
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:
On XX/XX/2019 PayPal did a hard credit pull on my credit. This is the second time they have done this without my permission. Even after being contacted last time and asking for them to remove it.

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 2019-05-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I traded in my XXXX XXXX XXXX to XXXX  XXXX last XX/XX/2018 at XXXX XXXX dealer It will take 3months left only for maturity of lease of old car and We had an agreement that i will only trade in if i wont pay the balance of that car or i will wait til it matures So the dealer promised me that they will take care of everything including return of old car and balance payment to get sale. They even called financial to know how much is the balance .I believed them because its not the first time i did trade in and never had problem in the other car company. But after few months, I received a call from toyota financial that they sold car to auction and they want me to pay the balance. I tried to contact them many times to find out what happen but everytime i try to know whats going on they immediately transfer me to collection agency. I asked personally the dealer if they pay the balance They said yes and they cant help me too to solve my problem. Its too depressing for me because i felt that after the sale they neglected me as a customer. And this financial already reported to credit which affected my chance of loan for my kids in college They have no conscience While checking mails i found a bill from toyota that dealer paid the balance and i only have to pay 1month of balance Please try to analyze what this financial did to me They sold the car without letting me know whats going on Want me to pay balance of auction and they send me one last month bills of balance on XX/XX/XXXX after they sold the car They are too unfair for an honest innocent customer like me They are too quick to report to credit which really affected my credit report If you will check all my debt I never pay late for my bills but they still report late and report as bad debt collection I tried to contact financial that im willing to pay the last month bill but they never listen to me that i was not aware what happened They still want me to pay the auction balance Its a nightmare for me and my family and my friend to get car from toyota again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
- Failure to deliver offered 'services ' - autopay - to all customers - Policy to not automate use of rewards points to pay outstanding balances - Suspicion that they are intentionally complicating payment to drive up late fee revenue This is in regards to a Bank of America credit card. I tend to pay credit card balances in full on receipt. I usually set this up to happen automatically, either through the credit card company or by having the bill come to my online bank. I had been doing this with BOA until the last couple of years. Then this capability ceased to work. I could not get BoA to work through my bank or for them to do autopay. After repeated calls to get it fixed ( they were never very helpful ) I gave up. As a consequence I tended to use the card infrequently. Without the automated help, I've been occasionally late. When I notice, I then pay in full. They then still charge late fees ( {$28.00} ) when I have more than that in rewards points. Their policy of course is that I have to manually apply rewards points to the outstanding balance. 

I believe BOA is intentionally making it difficult for people ( at least me ) to stay current with my account in order to incur late fees. This could be a technique applied to people that try to pay in full. 

I have closed my account, but wish to make an issue of this. I contacted BOA and asked how to make a complaint to them - they declined to allow me to make a complaint or to send me the dialog of the chat session. The chat session was today ( XX/XX/2018 ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
my last student loan was in XXXX. Those with XXXX XXXX were privately funded and should be removed as having expired. The balance on all loans should be XXXX, as all loans were discharged in XXXX of 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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I submitted consumer complaint letters to XXXX  and TransUnion because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on  XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.

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 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : 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 2021-05-10
Company: JPMORGAN CHASE & CO.
State: VA
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/XXXX, filed dispute with card issuer for failure to receive refund for cancelled flight. On XX/XX/XXXX, card issuer provided a provisional credit in the amount of {$380.00}. Although there has not been a final resolution to the dispute, card issuer, on XX/XX/XXXX issued a letter to me, that my account was being rebilled for the disputed transaction in the amount of {$380.00} because I had received a refund from the merchant. However, I have not received the refund, and the only thing I have received is a provisional credit from the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I submitted consumer complaint letters to Equifax because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
As far as describing what happened, the letter I faxed+emailed to US Bank on XX/XX/XXXX sums everything up very well ... 

= = Re : Ref # : XXXX I submitted my application on XX/XX/XXXX. 

As part of the manual review process, additional information was requested. Faxed XX/XX/XXXX tax return, XX/XX/XXXX tax return, as well as an explanation of the history of my business on XX/XX/XXXX. 

Received confirmation of fax transmission on XX/XX/XXXX. Also confirmation via telephone of physical receipt by US Bank on XX/XX/XXXX. 

When I called for a status update on XX/XX/XXXX, the rep stated they still have NOT received any fax from me. The reversed course and said they DID receive the faxes -- but that my application wouldnt receive an answer until Friday. 

As a young woman, who is self-employed, I feel I am being discriminated against unfairly. Not counting authorized user accounts, I have 17 credit accounts in my own name with a total combined credit limit of XXXX. That includes 4 small business cards. I have never *once* been asked to submit tax documents. Further, I have never willingly submitted a testimonial of the history of my business. Went above and beyond. I havent been declined for a credit account in years. Every approval has either been instantly received online, or not taken more than 1 business day. You already pulled a copy of my credit report on XX/XX/XXXX. Tomorrow will mark the 6th business day youve been sitting on my information without making a decision. My solid personal credit history along with the testimonial/history of my company with verifiable data to demonstrate the scope of my business is *significantly* enough data to get approved for the XXXX limit I requested. Considering that I have total combined home equity of XXXX, the level of risk for the bank is non-existent. Without a doubt, we are in uncharted territory as far as the data you have requested, as well as the processing delay. I will respectfully give you until XXXX eastern time on XX/XX/XXXX to approve my application & call me at # # # - # # # - # # # # with confirmation. If US Bank fails to resolve this matter to my satisfaction, I will be submitting a formal discrimination complaint to the CFPB and FTC for violation of the Equal Credit Opportunity Act. Perfectly capable of representing my own interests, so there is no need to make idol threats about legal action. 

Faxing this letter to XXXX. Also emailing a copy to XXXX. 

= = The company failed to approve me within the reasonable timeframe I gave them as far as 1 final opportunity to make things right.

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 2020-09-15
Company: EQUIFAX, INC.
State: KS
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:
The company in question ( XXXX XXXX ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my house XX/XX/XXXX. On XX/XX/XXXX I was contacted by a loan officer from the mortgage company that my closing lender shuffled me off to. He told me all kinds of great things like skipping 2 months mortgage, saying I would get back XXXX dollars, and pay XXXX which would be added to the end of my loan. This is the deal I consented to and signed on XX/XX/XXXX. Then I was told " Trump changed the rules on IRRRLs '' ( so far as I can find he did not ) and we had to wait till XX/XX/XXXX. Well on XX/XX/XXXX they sent me another loan estimate. This one was me paying them XXXX in closing costs at the end of my loan, and XXXX in cash at close from me. I suspect they didn't think I would read it because when confronted they said it was a mistake, and they would fix. ( It was a clear bait and switch ) but now instead of XX/XX/XXXX it was XX/XX/XXXX ( Trump changed the rules again they said ) I asked him how sure he was this time that It would close on the XX/XX/XXXX because I was going to budget that month without the mortgage payment needed. He said mortgage payments aren't late till after 30 days so If I just cancel the auto pay it would be fine. Now as of XX/XX/XXXX I got another new closing disclosure. This one saying XXXX in closing costs and XXXX in cash to close. ( another bait and switch ) After playing phone tag ( They ignored my emails for 3 days until I called them out on it ) Now apparently an IRRRL requires another appraisal ( not according to XXXX XXXX XXXX ) and they have to get cash to close. If this isn't illegal it is at the very least immoral and unethical buisness practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I dont recognize the accounts in question. o The report shows I owed money to the company that I have already repaid. [ XXXX  loans were being reported as late and it was not listed on my credit file so how can they report on me ] o The status of my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance with Movement Mortgage with an interest rate of % 2.875 and was told my payment would be {$760.00}. This was a 30 year fixed rate. For almost a year everything was fine. I then get a mortgage statement in XXXX that my XXXX payment was going to be {$970.00} per month because my escrow was was short {$1800.00}. I did not have that kind of money. so I asked would bring me back down to {$760.00} and was told I would not get back to that payment because I would still be behind on my escrow. I ended up paying {$2200.00} and a payment of {$800.00} per month. I have refinance 4 or 5 times previously and has never had a {$2200.00} shortfall. I am disabled and I get {$1500.00} per month and I felt that they trying to take my home of 34 years. All the company did was to tell me that I did not have to pay it all at once. they would spread it over 12 months which was a recipe for disaster because that is why I refinanced in the first place. After my husband died in 2016 I had to figure out how to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When Covid-19 started I ended up being out of work for 6 months. We kept paying the full amount of our mortgage ( $ XXXX/month ). Once it got to the point we couldn't pay our mortgage ( 3 months later ) we were put into forbearance for our mortgage. I wasn't able to pay mortgage for 3 months but once I started working again we immediately called and told M & T Bank that we will be able to start paying our mortgage again. M & T Bank told my wife that we would only have to pay {$1300.00} since we could start paying. We told M & T that I work overseas a lot therefore my wife has a General POA to handle anything that comes up. That means banking, car issues, mortgage, and our kids. For the past 6 months mybwife has been calling M & T to pay our mortgage and they have been taking {$1300.00}. Just within the last month we have been informed that the POA isn't acceptable and we are XXXX behind in payments. I understand the 3 months we couldn't pay. The XXXX is apparently the rest of the original mortgage payment that M & T has not been pulling from my account every time we have payed and I'm guessing late fees. 
I have tried to work with M & T to get the exact wording for the POA but M & T refuses to give me the wording. When I ask for a letter explaining why they decided to only pull out {$1300.00} for my mortgage payment instead of the original amount I am told to refer to my statement for answers which doesn't address my request at all. The behind payments are because of faulty information that M & T has been using and since I have been paying the asked for amount ( automatically withdraw from my account BY M & T ) there has been no breach or lack of payment as M & T wants to portray.

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