BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Yesterday XX/XX/22 I walked into XXXX car dealership ( XXXX, Nc ) for a consumer credit transaction. After choosing the vehicle for me and my family I extended my credit to said dealer and they ran my SSN ( creditcard ) First they approved me contingent upon a down payment. 15 usc 1605 states there should not be any cash involved. After I mentioned that, said company then tried bringing down to a cheaper car. I said I need to speak to the person whom ran my credit so that I may explain that I AM THE CONSUMER AND ORIGINAL CREDITOR PROTECTED BY FEDERAL LAW! They wouldnt allow me to speak with them.They said they only speak with dealer which is deceptive and misleading considering it is an account that I the original person and consumer originated when I extended my credit. I tried calling the number on the inquiry of my consumer report but number was out of service and also the name was different than the general manager gave me. This is deceptive and misleading. So now ( Ally financial ) denied me the loan for my families vehicle but has opened an installment loan or bank account ( per my consumer report ) and has acces to my open ended credit account with out my consent which according to the FCRA is IDENTITY THEFT. I am not seeking anything unusual I just want my consumer credit transaction 100 % financed with zero fed notes or XXXX down for my families vehicle. I tried submitting complaint to company 4 times and it didnt go through. IAM AWARE THAT I AM THE ORIGINAL PERSON, AM THE CONSUMER AND ORIGINAL CREDITOR AND I AM PROTECTED BY FEDERAL LAW. I will continue to pursue legal action if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Contracted XXXX  in XXXX have XXXX was sick for 6 mos. Lost my business as a result of XXXX. Went on XXXX, it ended. Currently on Medicaid, SNAP, HEAT Assistance, & EBB. Had a forbearance on my 1st & 2nd mortgages. Was in a terrible accident in XXXX, resulting in my need for 4 surgeries of which I've had 2 and get the 3rd on XX/XX/XXXX. My HECM Company Mountain America Credit Union is telling I now must pay all the back interest all up front, they are refusing to work out a payment schedule with me. They sent the collection to an Attorney, which has added additional fees. If I don't make the payment by XX/XX/XXXX they will begin foreclosure proceedings. I'm XXXX have lived-in my home for 15 yrs. Was originally on a 15 yr mortgage ( only 5 yrs left to pay off ) with my 1st mortgage XXXX XXXX who has been great to work with, they reduce my loan and put it back to a 30 yr to help me. But XXXX has been a nightmare. I originally took out the Home Equity Loan to pay off medical debt from my husband 's XXXX journey, he has since passed. I'm not going to be able to get back to work for about 6 more months until after my final surgery. I tried to get a revers mortgage to pay off both loans through another horrible company called XXXX. They jacked me around for 8 months, transferring me from person to person and the last person quite and I didn't find out until 2 months later after I called repeatedly. Please warn people to not use XXXX, wow another scam organization. Also, apparently credit unions don't have to abide by the same rules as XXXX XXXX so they can do whatever they want to you. They are seriously going to kick me. out of. my home for a mere {$8000.00}. I've had several accounts with them for over 30 yrs and run over a million dollars through them, and this is how they treat you when you are down on your luck. During the entire reverse mortgage process I kept XXXX informed about the status and what I was trying to do. After the reverse mortgage didn't work, I told them I would apply for a refinance and pay the loan off completely, and yet they still went ahead with the foreclosure and payment demand. The have been completely unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Synchrony credit account to make purchases at Ashley furniture. The credit line includes automatic enrollment in a supposed " Card Security '' program that charges a percentage of the card 's balance each month as a fee. 
I was able to call the listed phone number and they cancelled the enrollment and say they will be refunding the fees charged. However the fact that this program is something I was automatically enrolled into makes it a hazard for the general consumer. If I hadn't taken the time to review my billing statements and investigate why I was being charged this fee, and subsequently call and go through the unenrollment and refund process, I would have been out {$100.00}. Over the life of the loan this would have amounted to {$240.00} in fees. 
The onus should not be on the consumer to have to opt of of such a XXXX  program.

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 2022-01-31
Company: EQUIFAX, INC.
State: GA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The collection agency ResidentCollect Inc. is continuing to collect a debt that I am on the hook for only as a result of identity theft. I have filed a police report and sent the requested affidavit that the company wanted me to fill out. No action has been taken, and no investigation has been completed. This must be addressed immediately as my credit is still being negatively affected.

Company response to consumer: Closed
Consumer complaint received 2016-02-16
Company: Ballybunion Enterprises, Inc
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I originally took out a small loan of {$6500.00} from Military Credit Services ( MCS ) in XXXX XXXX. I was making payments through an allotment. In XXXX XXXX, they switched my loan provider from MCS to Freedom Stores without informing me. When I noticed this, I stopped all payments and requested that they send monthly statements to the address I provided them. They refused, and gave me online access to their website. I attempted this and resumed my payments. I logged on two months later and noticed no change in my account balance. I called Freedom Stores and informed them I would stop submitting payments until they mailed me a copy of my contract and send me monthly statements in order to keep track of my loan progress. They refused to send me statements, transferred me multiple times to different operators, and threatened legal action if I did not pay. They constantly call me and attempt to harass me into paying with the same conversation playing out. " Please send me statements and a copy of the contract '', transferred multiple times and than told no and they have called my XXXX multiple times. I have attempted to work with them and have submitted a few payments in an attempt to gain some ground and receive what I need, but I have never received a monthly statement or seen any visible evidence that my loan is decreasing. The last payment I made was on XXXX XXXX. The loan is now over 180 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I opened a secured credit card with Capital One which required an initial deposit of {$49.00}. Several months have now passed, and I have established credit with them ( my credit line was increased to {$500.00} on the secured card and I was since approved for a second Capital One card with a newly-increased credit limit of {$3000.00} ). I contacted Capital One today to find out about getting my deposit of {$49.00} refunded on the secured credit card. They said the only way to get it refunded is to CLOSE the account! Here is the link where people sign up and it clearly says your deposit is REFUNDABLE based upon credit worthiness. I 've clearly proven my credit worthiness, as they have increased my credit line on XXXX separate accounts substantially. I was told today by a Supervisor at Capital One that the only way to get the initial {$49.00} deposit refunded is to CLOSE THE ACCOUNT. Nowhere in the application process/selling of this product does it say you 'd have to close the account to get the deposit back. Here 's the link to the website where it clearly advertises that your deposit is REFUNDABLE : XXXX Here 's what it says : " Security Deposit and Credit Line {$49.00}, {$99.00} or {$200.00} refundable minimum security deposit, based on creditworthiness. Minimum required security deposit gets you a {$200.00} initial line. Deposit more than the minimum required security deposit before your account opens to get a higher initial credit line, up to {$3000.00}. '' I believe Capital One 's failure to clearly disclose this requirement of requiring a person to close the account ( honestly, why in the world would we? ) to get the deposit back is fraudulent. I would like to receive a refund of my {$49.00} deposit WITHOUT closing the account, and I would like disciplinary action to be taken against Capital One for this clearly fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank is rearranging payments from my checking accounts and charging overdraft fees on payments that previously were paid and changing the transaction dates on my statement to match the fees that they have assessed me. This has been going on for some time. When I question them they always justify it. On XXXX XXXX I took a flight from XXXX to XXXX. I checked my bag at the airport. On XXXX XXXX my XXXX payment if {$410.00} was submitted which I knew I would get a fee on. When I checked my account the check bag fee was now moved to the XXXX along with the XXXX payment. The money for my checked bag was applied to the XXXX payment and now I have XXXX overdraft fees. They have rearranged my payments as far as 4 days back in order to charrge me overdraft fees on previously paid items. When I receive my statement my transaction date for the check bag fee will be XXXX XXXX instead of XXXX XXXX the actual day of the transaction. I can not prove how many times over the past years that this has happened because the transaction dates on my statement are changed to match the dates of the overdrafts. I dont mind paying for legitimate overdrafts but not for overdrafts manufactured by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion and XXXX are both reporting an old XXXX XXXX account in the status area as a charge off. The account was paid in full. The creditor XXXX XXXX has provided me with a letter that reflects that this account is paid in full and is not a charge off. I have tried to dispute this with both credit reporting agencies and upload the letter I received from the creditor that reflects the status is not a charge off. But I get an error message and it will not allow me to provide the documentation directly from the creditor. The creditor XXXX XXXX has also advised me that they have requested both Transunion and XXXX of this, but there has been no change in the reporting as of XX/XX/2021. I dont understand why both Transunion and XXXX will not correct the inaccurate information being reported on my credit reports. Especially with a letter request directly from the creditor and the creditor reaching out to both reporting agencies advising them that the information being reported is incorrect This inaccurate information has caused direct financial distress.

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 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My bank XXXX XXXX XXXX XXXXXXXX ) alerted me that I have been a victim of identity theft. I ran my credit report through XXXX and found multiple soft credit checks from a company I did not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dates checked : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
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:
Wells Fargo re-aged a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SYNCHRONY FINANCIAL
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:
THESE ITEMS THAT ARE ON MY CREDIT REPORT ( XXXX ) NEED TO BE REMOVED DUE TO STATUE OF LIMITATIONS IN THE STATE OF PA IS XXXX YEARS AND THESE ITEM ( XXXX ) HAVE BEEN ON MY CREDIT REPORT AS OF XXXX OF XXXX AND NEEDS TO REMOVED

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 2015-05-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage took over my mortgage in XXXX 2013 and since then my mortgage has been recorded as being late. This was due to a problem with the transfer of the loan between XXXX bank and Carrington. Carrington placed the loan on some type of forbearance program, which I paid timely, as requested. After doing this for a few months and additionally paying MORE than the required amount to get 'caught up ', Carrington Mortgage placed my mortgage on ANOTHER program a loan modification program. Which was paid as agreed. I am also receiving certified notices from Carrington advising that my house is possibly going to be foreclosed on and that I should contact them to make payments. WHICH I DONT UNDERSTAND. To date, my mortgage is showing past due of over $ XXXX and when I contact Carrington mortgage to request an explanation, the explanation is unclear as to why the mortgage is STILL showing behind. I do not want to lose my house by accidentally signing the wrong documents and/or not properly signing required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
TransUnion has violated my federally protected rights. I sent a letter in the mail and havent received results which violates the FCRA and the unauthorized inquiries havent been removed..My Id is attached for identification purposes

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 2022-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have noticed several billing errors in the Truth-In-Lending disclosures section of the Retail Installment Contract - SImple Finance Charge. The first one being the number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase goods or services from a seller who ( 1 ) refers consumes to the creditors or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as the truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of the amount financed. The {$3000.00} cash payment and the 2020 XXXX XXXX trade-in placed under section 2 which references Total Downpayment ( if negative enter 0 here and see 4H below ). This is in violation of 7 CFR 1436.10 ( c ) The downpayment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer on the character / amount of any debt 15 U.S.C. 1692 ( e ). All debt obligations and securities are owed to the United States 18 U.S.C 8. 
DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.

Company response to consumer: Closed with explanation