BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX falsely advertised offers saying that i would be approved for sure credit which was denied.

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 2022-06-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I paid off vehicle lease with Cashiers Check on XX/XX/2022 to Toyota Financial Co. as required. Have been unable to secure all needed paperwork from Toyota Financial to obtain licensing from State of Kansas as of XX/XX/2022, almost two months. 

TF is difficult to reach, XXXX XXXX has tried to help but we are still not receiving the Bill of Sale that is required for State licensing. I have wasted 3-5 hours of time just waiting at the Kansas Motor Vehicle to see an agent there and countless hours trying to contact someone at at XXXX  to explain why it will not send all the necessary documents in a timely manner. As of today " ... ..it is in the mail, '' ( heard that before ) Toyota Financial :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed out on XX/XX/22 to Department of Education/NELN via certified mail asking for the original instrument of indebtedness in original form for the current student loan on my credit report in which they received it on XX/XX/22 and I sent a follow up on XX/XX/22 to which I received no response. They received my XX/XX/22 letter on XX/XX/22 and now its going on about 40 days since the second letter 60+ days since the first letter and I have yet to receive a response from this student loan company. It is to my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did no response within the allotted 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good afternoon, Recently I have made several attempts to apply for the XXXX XXXX XXXX. According to XXXX 's Terms and Conditions, I am free to apply for this card as my account is in good standing. When I first applied for the card using my XXXX e-mail address, I was given the error that I already had a XXXX XXXX or XXXX XXXX linked to my account. This is not correct, and I am continuing to receive this error. My PayPal Extras Mastercard account that was present on this XXXX was closed and is no longer showing on my end. When I spoke with Synchrony, they confirmed that the account was closed as well. 

The few times I have spoken with XXXX ( recorded on their end per their company policy ), I was told that the issue was with Synchrony, as they can also confirm that there is no PayPal Mastercard or XXXX XXXX account present on the XXXX XXXX account. There is a XXXX XXXX product on my alternate XXXX account, the XXXX account, but this is a seperate account that should not come into play here as it is on a seperate XXXX account. To be clear, there is no active credit product present on the XXXX XXXX account, yet I receive the error even after changing devices, logging out, logging back in, and performing basic troubleshooting steps. 

At this point, I have spoken to both XXXX and Synchrony bank today and in prior dates. XXXX continuously pushes me back to Synchrony and Synchrony suggests that opening a new XXXX account is the only way to resolve this matter. This is not correct, and it is deceptive to display messages on my account and to my email address asking that I apply for this credit product to then tell me I am not eligible. On XXXX XXXX, there is a scrolling advertisement to apply for XXXX XXXX ; this is significant because it would not show on my account if I had an active Credit product already present, per XXXX 's original terms and conditions when I worked there XXXX years ago. For this ad to display, it confirms that XXXX shows that a Credit product is not active and it wishes for me to apply for XXXX. I am willing to, but only for the XXXX XXXX Mastercard that I am entitled to based on my XXXX account itself being in good standing and the Extras Mastercard account being closed. Thank you. Please let me know if there is anything I can do to assist in this investigation. 

At this point, this XXXX complaint is being filed against XXXX and Synchrony bank for their inability to use their own terms and conditions to allow me to obtain this card.

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 2022-11-30
Company: Earnest Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, I received an email on XX/XX/2022 that stated my previous XXXX loans would be forgiven and or reimbursed. However, my challenge is that my loans were consolidated to a company called Earnest ( Now owned By XXXX  ). So I am still paying these loans monthly. When I called both the Federal Student Aid and Earnest about this issue. No one would help me with a solution of getting this resolved. 

I provided proof of the original XXXX loan and proof of my continued payment toward these charges. 

Millions of people who suffered the hardship caused by XXXX more than likely consolidated these loans to bring the ridiculous monthly payments down. It is unfair to not apply these individuals under this forgiveness or not work on their cases to reimburse for such loans taken out. The original loan was started with XXXX and should be treated the same way from a forgiveness standpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is consistently misreporting my credit score as if this is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My XXXX is XXXX but they are misreporting it. 

My XXXX is XXXX but they are misreporting it. 

This falsely lowers my Experian score, and then consequently falsely lowers the others based upon the falsehoods of this score. 

I have been dealing with this credit score fraud all year.

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 2022-09-21
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to complain about some irregular and disorienting service I received from Freedom Mortgage. 

I had a home mortgage, serviced by XXXX XXXX XXXX XXXX. In XXXX, I received a letter from XXXX, dated XX/XX/XXXX, informing me that my mortgage was being transferred to Freedom Mortgage Corporation. My first payment due to them would be due XX/XX/XXXX. 

I assumed I would hear from XXXX shortly. Not so. My first contact from them, surprisingly, was not until XX/XX/XXXX, and it was by telephone! The woman was very polite, and asked if I wanted to pay my now overdue bill by phone -- but I told her that I would not pay a bill until I got one, or at least some sort of written correspondence from XXXX. 

I finally received a latter from XXXX on XX/XX/XXXX, dated XX/XX/XXXX. Here, finally, was the formal letter I was looking for -- confirming that I was now their customer, giving payment instructions, etc. It reads : " We will start accepting payments from you on XX/XX/XXXX ''. As a matter of English grammar, the word " will '' indicates something that will happen in the future. Overall this company strikes me as disorganized and I have insufficient confidence they will handle my mortgage correctly. 

I then got another letter from XXXX the very next day, on XX/XX/XXXX, dated XX/XX/XXXX, chiding me for my late payment. " Consequently, late charges in the amount of {$.00} will be assessed ... '' -- do humans read these things? 

I paid my bill this morning, XX/XX/XXXX, and I will set up autopay once that goes through. I guess everything will be alright? I hope so? Wish I felt more confident. 

Please note that one exception to my complaint is the person I talked to on the telephone, on XX/XX/XXXX. She was unfailingly polite and friendly, even though I was rather angry at the time.

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 2022-06-28
Company: EQUIFAX, INC.
State: LA
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:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

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

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
XXXX5 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

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

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you

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 2022-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a venture x card by capitol one on XX/XX/22. I received an email stating that they needed a copy of my drivers license and a copy of my latest tax return. I uploaded them that day. I received a letter on XX/XX/XXXX reiterating the same information. I called the number provided on the letter to inquire what information they needed. I was told that because I am a stay at home mother that my husband would need to sign a notarized letter stating that he approved of my application. I couldnt believe that this was the case. I reached out to Capitol One on XXXX and they suggested I call the number on the letter again and speak with someone else. I did that, and was told that they needed the back of my drivers license which I provided, then said that I needed to show the name of the third party prparer of our tax return. I said that we had self prepared which was why there was no third party preparer. I got frustrated and asked to speak to a supervisor who when he got on told me that I was going to need the notarized document from my husband. I told him that I had provided proof of our household income but he insisted on having my husband 's notarized signature. We have a household income of XXXX. No mortgage or car loans and a credit score of XXXX. This is offensive and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: DISCOVER BANK
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 status incorrect

Complaint:
I was recently impacted by a declared national emergency. During that time frame I reached out to discover to discuss options as I have never been delinquent on any account. I was set on an plan but was still reported delinquent. My credit shouldve been suspended during the national emergency and the plan shouldve protected my credit also. I have reached out to several emails provided to for the executive office with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXX 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 2021-08-02
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I sent a letter to Southwest Credit to provide me legal documentation for this alleged debt. I am not liable for this debt with XXXX  and I do not have a contract with SouthWest Credit. In addition, they did not provide me with the legal documentation and the signed original application like I asked them. They sent me a basic letter dated XX/XX/2021, with verification not validation, and fail to provide me with the original application. In addition, they never sent me. a dunning letter in the first place. Therefore, they need to delete this account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have many transactions that I need to dispute and they are not doing so. They have a " policy '' of up to 45 days of investigation and are completely closing them. Some transactions were completed and credited back into my account from the same merchant and others weren't. I reopened the same transactions and they completely closed the investigation and permanently closed my account without my permission. I received emails saying if I didn't request to call immediately. I called and was told it was permanently closed. I received an email after calling telling them they are in violation and were giving me a XXXX XXXX XXXX write a letter regarding my account. I have had this account for over 10 years and I do not appreciate them closing my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
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:
Disputes we're sent to Equifax in accordance with 15 USC 1681i. Equifax has certified per received responses ( Pages 1-8 ) that the bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Equifax has violated Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BMW Financial Services NA, LLC
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I leased a new BMW from BMW of XXXX. My lease was assigned to BMW Financial Services. My lease allows me to pay off my car early. I exercised this right. BMW Financial Services is now refusing the payoff of my lease because it has placed a litigation hold on my account. This violates the terms of my lease. I attempted to contact BMW Financial Services to discuss this problem. They would not speak to me and referred me to BMW of XXXX XXXX. I filed a previous complaint about this issue. BMW Financial Services responded to that complaint by saying they could not talk to me about the car. I have never contacted BMW Financial Services about my car or its mechanics or warranty. I had attempted to contact BMW Financial Services about the payoff on my lease, to which BMW of XXXX XXXX is not a party. So, maybe, instead of BMW Financial Services lying and misrepresenting this problem to cover up the unlawful violation of my rights under my lease, they could FIX this problem and let me pay of the lease. Then I will go away. 

Until then, I will file this complaint every single day until they fix it or the government takes some action. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an offer for a credit card in the mail from American Express ( AMEX ). If I would return to them they would provide a statement credit of {$220.00} if I would spend {$2000.00} within the next 6 months. This was all that was stated on the face of the offer. I fulfilled my obligations and received the {$220.00} statement credit. I later cancelled the card. Immediately after my cancellation AMEX cancelled my statement credit and put a {$220.00} balance on my card. I began contacting them about this online on XX/XX/XXXX and disputing the reversal of my statement credit. I was told I would receive a response within 5-6 days. On XX/XX/XXXX I contacted them again. After several tries with several different representatives, I finally had a purported supervisor in XXXX tell me they were not going to honor the agreement and would not reinstate the {$220.00} statement credit because, in the fine print in the agreement that was purportedly online when I signed up, using the RSVP I had been sent, there was a clause that if I closed the account within 12 months they would rescind the statement credit. This was not on the face of the offer I received in the mail and I was not informed of this at the time I was cancelling the card. Or, of course, I would not have cancelled it. It is false advertising and mail fraud for AMEX to send me such an offer in the mail, stating an offer on its face, then claim later that there were additional rules and requirements contained elsewhere in a long online agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: MIDFIRST BANK
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was divorced on XX/XX/XXXX and my marital home ( mortgage in my name ) through Midfirst Bank Midland Mortgage was to be the responsibility of my ex-wife. She did not make mortgage payments for almost a year and Ive been trying to bring the account current since taking possession of the home early XXXX. 

Midfirst granted a loan modification, but adjusted the terms only to increase the loans duration, interest rate, and monthly payment.

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