BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022, I visited XXXX XXXX in XXXX Tx to complete a consumer credit transaction. 

I was met with sales agent XXXX XXXX. Who showed me several vehicles in which I selected a 2022 XXXX XXXX XXXX XXXX. 

XXXX XXXX advised me that truck total cost would be increase by {$7500.00} because of the times we were living in. I am not sure what that means. 

I advised him I would go to my credit union to apply for the loan. He stated he can run a soft credit check with the Ford Dealership so I may compare rates. I agreed. This was false and misleading ; I was in fact received two hard inquiries for this transaction. 
He stated, I would need to talk with finance about terms. I was then sent upstairs to speak with XXXX. I was told by XXXX. That I was declined for the truck because of the amount of the truck. ( I have this conversation recorded. ) Where he is stating that I was declined because of the truck price and they fact I never purchased a vehicle of that amount. And that I couldnt purchase a vehicle of that amount. 
I felt the dealership feeling uneasy about what just took place. 
I quickly left. 
The truck was originally priced for {$68000.00} by time I left the total cost was {$83000.00}. 

I asked that a manager reach out to me on XX/XX/2022 that never happened. I called back 3 days later no follow up. 

On, XX/XX/2022 I called back to speak with a manager to discuss my concerns about the reason why i was decline and he didn't have a respond to the reason I was being decline. He stated if I could get a cosigner that would be good. 

I have reason to believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I am aware of my rights and know I can not be treated this way. This is indeed unfair and inaccurate billing practices. I feel like I dont want to apply for any more credit. I am losing faith in this banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Hillcrest Davidson & Associates
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I informed hillcrest when they called trying to collect a debit that was token care of by the state of Colorado 's department of revenue services and sent paper work satments on this matter the manager said he would contact his client before adding this to my credit. I 've been monitoring my credit report since I cleaned all negative debts on my credit report so me and my family can look in to buying a home. This debt is now showing on my credit report in a negative way and should have never been added to my credit, I contacted the department of revenue on this matter they told me the debt was payed and they ca n't collect a debt that 's been payed and if they do put this on my credit report there invocation of colorado 's state laws which state debt collectors out of state ca n't collect from XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-06-17
Company: Essential Retrieval Group
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with the rep XXXX and informed him this was my work # he was calling and indicated I recorded the conversation asking him not to call the work #. He said that wont happen and hung up on me. I also forwarded a text message to the # he called from which is the same # calling my job now everday. I have those calls and message saved even though it is an automated call. It has been over XXXX times now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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: Account information incorrect

Complaint:
i have sent several letters over several months that all 3 credit bureaus have been reporting incorrect information. in addition, i have asked them all for supporting documentation that asks how these accounts were verified and whom they spoke with. i also have asked them to show supporting documentation that proves that i have a binding agreement with these account holders and they have failed to do so. i believe that they do not want to delete these accounts because they will lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX FIN XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-09-10
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a text message from Number XXXX : Your DriveTime pmt discussed is due tomorrow. Pls call XXXX if unable to pay. To opt out, reply STOP. Info provided is part of a collection attempt. 
So I called the number, thinking is a collection payment. They asked my name, XXXX of social and phone number, which I gave. Still my account could not be located, they started asking more questions at this time I became suspicious I asked what type of loan we were talking about and they said car loan or lease, so I said I will call my bank. My bank says my payments are up to date. So these people now have my name my phone number and the last XXXX of my social. Please keep me posted on this case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: National Credit Adjusters, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They call multiple times even when told not to call, when they call they always have someone else call and say they are from a different department, they get loud over the phone and very rude, threatened to take money from my bank and work even though I had n't received any paper work on a court issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX XXXX, I received notification from PennyMac, my mortgage company that they were going to increase my monthly mortgage payments because my escrow balance for property tax was too low, based on their ESTIMATES. I know approximately what my tax payment will be, and what they are asking I felt was unreasonable. At that point, I contacted PennyMac and said that I would take care of paying my own property taxes and that I wanted the funds held in the escrow account returned to me. I 've have since contacted them XXXX more times, and most recently last Thursday, I spoke with supervisor, XXXX XXXX, stating that they had 48 hours to return this money in the amount of {$1800.00}, at which point I was going to both contact my attorney and the CFPB. She stated that they could not get the money to me in 48 hours, but that she would see that it got into the mail in 48 hours ( with electronic banking and based on the fact that I make electronic payments to them, there really is NO REASON why I should not have this money within 48 hours - they could do it by direct deposit to my account ). I stopped paying money into the escrow account beginning with my XXXX payment. It has been almost a full month, and as of today, I have received nothing from them and am still showing the {$1800.00} still held in the escrow account. XXXX XXXX said that she would contact me by phone when the funds were in the mail. As of today, XXXX XXXX, I still have not heard from her. I 'm upset not just because of this, but also because I 've had to contact them several times since they assumed my home loan from XXXX XXXX XXXX, which I felt was a reputable mortgage company, immediately after I took the mortgage on XXXX XXXX, 2014. I do n't know why they sell of mortgages to these upstart companies, but I 'm very dissatisfied with this fly-by-night organization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX ) 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Account name and number : Dept of educationXXXX / Acct # XXXX XXXX Amount : {$3600.00} / XXXX Amount : {$1600.00} / XXXX Amount : {$3100.00} / XXXX Amount : {$6600.00} XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX. / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number : XXXX XXXX  Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting act XXXX Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions

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 2016-11-15
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, I decided to check my credit report and found that Midwest Recovery Systems had added a collections account on my credit report for {$620.00}. This company has never contacted me about this matter in any form. I never received a letter stating who the creditor was and was not given the 30 days to lawfully dispute this claim because I was NEVER contacted. This company is in serious violation of Fair Debt Collection Practice Act. Under this act the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. In this case I have never received a bill or any correspondence from this company or the creditor regarding me owing this debt that is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX/XXXX/XX/XX/2015, at XXXX XXXX PST, I received a voice mail from XXXX XXXX with XXXX XXXX at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in New York. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank ( R ) Account Package checking account in XX/XX/2016 using promotional code XXXX ( equivalent to the online code XXXX or Citi 's internal code XXXX ), under which I would receive a bonus payment of {$400.00} within XXXX days of meeting the requirement to keep {$15000.00} in the account for XXXX days. I deposited {$15000.00} in the account on XX/XX/XXXX and kept it in the account until XX/XX/XXXX, when I withdrew {$5000.00} via check. 
In XX/XX/XXXX and XX/XX/XXXX I messaged Citi asking about the promotion and they confirmed XXXX times in writing that the promotional code was applied to my account, that I had met the requirements for the promotion on XX/XX/XXXX, and that the {$400.00} would be credited to my account by XX/XX/XXXX 
When the bonus failed to post to my account by XX/XX/XXXX, I opened an investigation with Citi as to why it was not paid. They have failed to answer that investigation and have been stonewalling me ever since. The most recent communication I have from them is from XX/XX/XXXX which claims they have " expedited '' the investigation with their back office and that I must wait another XXXX days before they can tell me why the bonus was not paid. 
It is clear to me at this point that Citi has no intention of paying the bonus they owe me and intend to continue stringing me along with endless " investigations '' until I give up. I am tired of dealing with these people and just want to close my account, but can not do so until the investigation is resolved. 
I demand that Citi pay me the {$400.00} which they have repeatedly acknowledged that they owe me and which should have been paid by XX/XX/XXXX I also request that Citibank be referred to the XXXX Department of Justice and Federal Trade Commission for engaging in fraud and false advertising, as I am not the only person Citi has attempted to cheat out of their bonus in this manner.

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 2022-02-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on WELLS FARGO HM MORTGAGE. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. 

WELLS FARGO HM MORTGAGE XXXX Balance {$0.00}

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 2022-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX  ) 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 non-monetary relief
Consumer complaint received 2016-02-18
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I made contact with Synchrony Bank in Early XXXX about a recent credit limit REDUCTION on my PayPal Credit Mastercard as well as my PayPal Credit Account. This comes after the Coronavirus COVID-19 outbreak occurred. I have multiple other credit accounts with other banks ( 2 with XXXX, 2 with XXXX XXXX XXXX, 1 XXXX XXXX, 2 with XXXX   XXXX, etc. ), and NONE of them have lowered my credit limits during the Coronavirus COVID-19 outbreak. 

I've actually made some headway and paid off some cards earning some extra money. So, to my surprise this was happening after reports had come out in the media that some banks, including Synchrony are lowering people 's credit limits with the shutdown continuing. I am still full-time employed as I am deemed essential personnel working in the telecommunications industry. 

So when I received notification from running my credit report that this had happened, I reached out to Synchrony Bank about this. Their response was " we run every customer 's credit every month and make decisions about credit limits ''. I said, nothing has changed in mine, I pull mine every month myself to keep my eyes on it after having an identity theft situation a few years ago with the IRS. 

I told them I wanted to file a challenge/complaint to it. They took my information and said they'd get back to me, but the associate on the phone with Synchrony ( after being hung up on once for not accepting what they were telling me when I was asking for a supervisor ), said " We can do whatever we want ''. 

I received a letter saying that their decision stands. My credit limit was cut as follows : PayPal Mastercard : {$1000.00} ( card  was free and clear ) down to {$100.00}, and {$950.00} PayPal Credit down to {$590.00} ( which was close to what I had on it, making the card maxed out ). 

This negatively impacted my credit score showing that I had the reduction in addition to the cards about maxed out with these limits significantly reduced. 

I have never had a credit reduction in my life. This is the first. And this was not done until we were 1.5 months into the Coroavirus COVID-19 quarantines. Even after I explained the situation and my situation and told Synchrony Bank that they are using the Coronavirus COVID-19 outbreak as an excuse to do this since this has never been done before and I have had these lines of credit for multiple years, the lines were reduced. 

They need to restore the credit I had before and not abuse their power to consumers during a pandemic situation to save themselves.

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