BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms.

Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data.

I applied for auto loan and specifically repeated no personal guarantee or Id wait until business credit was better. Dealer somehow got my personal SSN even though I have not provided them with a application in the last 30 days. Salesmen cursing at me, being rude. Using threatening and harrassing demeanor.

This is dealer fraud, and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is not really a fee question, but you didn't list an appropriate category. My issue deals with advertised interest rates ( APY ) and many " direct '' ( ie online ) banks specifically, CIT Bank. 

CIT Bank currently advertises a 1.55 % APY. This applies to amounts of money of {$250000.00} and below, which is where I fall into ( see attached screen prints ), but when I login to my account, it shows them paying me 1.05 % APY. 

On their website, in the fine print, it states that interest rates may change at any time. In their 44 page Account Terms agreement, they state " Variable rate ( the interest and APY may change at the Banks discretion, at any time ) '' My 2 questions : 1. Is it legal to advertise a higher rate today and not pay that rate today? 
2. When the bank states " at the Bank 's discretion, '' does this apply to all customers of that bank 's product or are they singling out certain customers? Could it be that for large accounts they reduce the interest rate because they don't want to pay out that money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage through XXXX XXXX XXXX. Amerihome Mortgage is now the service provider. I have added additional funds to my monthly payments to reduce the principal in advance. Each time Amerihome has applied the additional funds as an ADVANCE payment to the next months payment. In essence, they are making me pay my interest in advance. 

I have now spoken to them five times. On the first event, they did rectify the issue and applied the payment to the principal. However, for the subsequent months, despite my calling and their assurances that the funds would be reapplied they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX  complaint reference I disputed and those companies reviewed and said was accurate. Transition wants specific acct numbers and nature of dispute. The following  XXXX  accounts were denied by me in court All  XXXX  lawsuits were dismissed and not proven to be mine I wanted all reporting of these account and collection of said accounts removed from my credit report  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 explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both TransUnion and   XXXX   for fraud but are still showing on  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. 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 explanation
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card is enrolled in automatic payment plan with the creditor to draft the balance and pay the account in full each cycle. In XX/XX/XXXX the balance was {$580.00} and was paid in full via auto draft by the creditor. In XX/XX/XXXX, although there had been no new charges, the creditor charge me interest as if the balance had not been paid and drafted another payment of {$9.00}. On XX/XX/XXXX I called the creditor to address my concern and they refused to correct the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been being garnished since XX/XX/2013 from this company. They continue to resubmit to the court a request for garnishment and then add on their lawyer fees and filing fees to increase my debt. Thus, perpetuating my debt to the Portfolio collection company. The original debt was to XXXX XXXX and I have not received any written notification of the legal actions being taken. I am only aware when I get a letter from my employer stating the court mandated garnishment. This debt is also more that six years old. RCW 4.16.040 states that six years is the statute of limitations on debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both   XXXX   and  XXXX  for fraud but are still showing on Experian.      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. 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 2022-04-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Its been longer than 7years since this credit card been in collections. I want this account deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
On XX/XX/2021 hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on OUT the account youre currently reporting is : XXXX XXXX XXXX XX/XX/2021. 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing this false account on my consumer credit report .The account that is being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS XXXX XXXXXXXX XXXX XXXX LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW TRANSUINION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings . ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE COLLECTION ACCOUNT ALONG WITH OTHERS BUT YOU TRANSUINON ARE REPORTING THE FALSE INNACURATE INFORMATION.

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 2022-03-23
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
To be truthfully honest with you I have no idea whats going on what came up on my report but I was denied a job that I really needed and Ive never been denied a job before so Im just confused and Im like left in the dark. I recently moved states and have moved around things went missing or were ordered without consent. Slowly but surely life is gon na make me kill my self cuz Im sick of everything life is throwing at me. Im fed up and hopefully this isnt the last straw for me but life always seems to XXXX me over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute XX/XX/XXXX claim # XXXX requesting to be sent verification of debt for : XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX {$50.00} & {$300.00}, XXXX XXXX XXXX XXXX {$260.00}. I received confirmation that the debt was verified well beyond 30 days later XX/XX/XXXX, but no results were sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Home Loan Center, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Lending tree emailed me a loan agreement for {$180.00} a month and they asked for my bank account my routing number of the bank account my user ID and my password of the credit union the credit union told me not to give these people the information they refused to do an electronic funds transfer or send me a paper check so I couldn't get the loan I think this company is a fraud and it's XXXX and I want you to investigate them I do have the email that they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Attached is the letter received  XX/XX/XXXX , dated  XX/XX/XXXX ,  Ditech fo rwarded advising me of ineligibility for their  XXXX  loan modification programs that I applied for.  <P/> In the seventh paragraph they state I am ineligible for their   XXXX   XXXX   XXXX    Proprietary Modification be cause my conbined household debt of {$1300 .00} ( made up of {$910.00} mortgage and {$450.00} interest only HELOC ) is less then the   threshold of 45 % of my total gross monthly income of {$3100.00} thereby deemed affordable. The mortgage expense above is just barely affordable on my fixed income. The HELOC is due to reset in at few months so I included with the mod application an estimate of the new payment to use in determining my eligibility. However, it was not used in the calculation.  Ditech  did not sent me the new reset payment amount until after I applied. The new payment amount of {$850.00} is almost double what I am currently paying.  Ditech used the current payment not the new reset payment ( which they knew all along ) to determine DTI ratio an d ineligibilty.  <P/> Furthermor  e, Ditech has serviced my HELCO for many years and is aware of the loan modification programs for which I was eligible, but they never reached out to me as recommended by the Office of the Comptroller of the Currency ( OCC ).
<P/>
Finally, the second page speaks of submitting {$200.00} as down payment for an appraisal. Why? I have been living their since the end of summer last year (     XXXX   ). My understanding from friends, appraisals have n't been used for modifications only home valuations which cost substantially less.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I bank with USBank. On XX/XX/XXXX, I fell for a XXXX scam. I received the usual fraud text from usbank and missed calls from the usbank XXXX number. I did answer and they were very professional and identified themselves as usbank and I had no reason to not believe them since they were calling from usbank. They had me verify the last 4 of my ssn and dob- just like usbank and told me they would help reverse the fraud charge. They sent me a code to put into the XXXX app through the usbank app which was actually a phone number, and I inadvertently sent XXXX to a scammer. I immediately filed a dispute and that was denied on XX/XX/XXXX. I called again and reopened the dispute on XX/XX/XXXX, only to have it denied again on XXXX. On XXXX, I opened the XXXX app to look at that transaction. Usbank immediately locked my online account and shut off any access and closed my debit card. XXXX with the efraud dept called me and spoke horribly to meshe kept asking me what I was trying to do in the app and asking why I would send more money to a number that they had flagged as fraud. I finally asked her if she thought I was part of the scam and her answer was I dont know what you do with your life. She told me to drive to my nearest branch ( 45 min away ) and have them call her. She then proceeded to speak horribly about me to the banker that was working. They escalated to the local branch manager. She called me and assured me a return call that day. She didnt return my call until the next Wednesdayall while my account was blocked. Her name is XXXX XXXX in XXXX XXXX, IA. When I finally spoke to her she said the only way for me to gain access to my banking would be for me to close that account and open a new account. But I have several bill pay items that go out each Friday and they say there is no way to stop them from going out. The only option is to close my account and acquire the fees from the many companies that my payments go to. So not only am I out the original {$940.00}, countless hours on the phone, a 45 min drive to a branch, now I will be out the many fees from sending out bill pays on a closed account. Not to mention the way I was treated by usbank from the start of the scam. I was never treated like the victim that I am, but in turn treated as the scammer. Its very frustrating to not be the one doing something wrong, yet being punished for it. Usbank knows the financial institution that the money was sent to. I know the phone number that it was sent to and a first name of the person. The phone number is still currently working. Yet nothing is being done to pursue anything against this person and/or persons. Please help 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 2022-03-13
Company: Navient Solutions, LLC.
State: TN
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 cosigned a loan for my XXXX XXXX XXXX , back in XXXX to attend the XXXX XXXX XXXX XXXX for {$7000.00}. She has since XXXX  and has moved on to acquiring XXXX XXXX XXXX and now she is in the last year of her XXXX. 
She was XXXX XXXX XXXX at the time of the cosign and is now going to be XXXX  years of age in XXXX. 
I have asked over and over again for the amount of the loan be taken off of my credit report. 
She has made all payments with XXXX XXXX scoring. I have tried everything to get her loan amount off of my credit report. She has even called to have me taken off of that loan as a cosigner. Nothing has been done and we have exhausted all resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX have reached Klarna last week today, XX/XX/XXXX as they refuse to connect me to a manager to solve issues. I also called last XXXX as they refused to connect to a manager as the reps are clueless. They will tell you to wait XXXX days for someone to call and no one calls. This company is running fraud transactions when I have returned MULTIPLE items and refused to credit my account, continue to bill me when I have informed them repeatedly of these transactions and some over XXXX weeks ago. They continue to debit amounts from my card when items returned and ignore the issue. I have overpaid and paid on items returned months ago as they refuse to acknowledge. All reps are foreigners and speak poor English and don't have a clue as to what's going on and could care less and cant comprehend XXXX. They are aware and poor service with incompetent workers. Refusal to assist. They need to remove their phone number as they refuse to help and direct you to text, go to the ap and never speak with a live person. They should not continue business if they feel like they cant address issues and their illegal transactions. Now they sent me a message and stated it didn't go thru for # XXXX and they never sent it per my bank. They are fraud.

Company response to consumer: Closed with explanation