BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 someone tried to open a credit card under my name at 'Nordstrom Card Services XXXX. I have informed the company to not to open ac account under my name as I am victim of ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: General Motors Financial Company, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Around XX/XX/XXXX, I purchased a brand new car ( XX/XX/XXXX XXXX Versa ) with a goal of having the car for five years or at least XXXX miles. XX/XX/XXXX, the car started giving me problems, after researching the problem there was a power train issue, which XXXX has an extended warranty for my make and model. After having the car for over a week, XXXX returned the car to me in the same condition. The next day, I returned to car to XXXX, they currently have the car running more test. In addition to not fixing the car, the car failed inspection and XXXX gave me a bill for {$1600.00} to fix the car to pass Maryland state inspection. XXXX ripped me off, I purchased a {$10000.00} car, paid {$30000.00} for the car, it has a balance of {$13000.00}, appraising for {$6000.00} with less than XXXX miles, a refurbished engine and I can not legally drive the car in the state of Maryland. 
On XX/XX/XXXX, I went to purchase a new car and was told that I would not be able to be financed because of the Versa having a balance of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filled out forms for a loan modification on XX/XX/XXXX. I received no response with the foreclosure date approaching I resent the loan modification packet on XX/XX/XXXX. I received a response from Rushmore stating that they do not do loan modifications for loans that are as far behind as mine they would also not accept it because it was less than 32 days before the sale. Yet again on XX/XX/XXXX they sent me ANOTHER LOAN MODIFICATION PACKET. If i am not eligible for ANYTHING as they stated why do they send this information to me? They have broken so many laws in collection of my mortgage. I have requested a breakdown of the loan where all the payments went from the inception of the loan I receive NOTHING. Not a print out of some computer information with balances for unknown amounts I requested an exact breakdown of where the debits and credits came from I received NOTHING I requested a payoff amount and what it comprised of I have received nothing but more packets to apply for modifications they say I am not eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Kubota North America Corporation
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I, herein Affiant/Consumer, a living Heir, breathing woman, being first duly sworn, depose, say, and declare by my signature that the following facts are true, correct, and complete to the best of my knowledge and belief. 

XXXX. THAT Affiant/Consumer is competent to state the matters included in his/her declaration, has knowledge of the facts, and declared that to the best of his/her knowledge, the statements made in this affidavit are true, correct, complete and not meant to mislead ; XXXX. THAT on or about XX/XX/2021, Affiant/Consumer sent a legal document entitled COPYRIGHT/COPY CLAIM AFFIDAVIT UNDER CONSTRUCTIVE NOTICE and Cease and Desist to Kubota Credit Corp/ Respondent via Certified Mail with Return Receipt giving notice of dispute of the debt under 15 USC.

3. THAT Respondent had fourteen ( 14 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts and agreed that the undersigned can exercise remedy afforded by HJR 192, codified at 48 stat. 112. 
XXXX. THAT Respondent isnt given any additional days to contest Respondents Acceptance as to the stipulated agreement based upon silence, acquiescence, and therein tacit agreement.

5. THAT the Respondent is Noticed that Respondent is in Default, failed to contest acceptance and is in agreement.

6. THAT Respondent has continued to communicate with Affiant via phone and cause major grief to Affiant/Consumer. 
XXXX. THAT Respondent has continued to communicate with Affiant via mail and cause major grief to Affiant/Consumer.

8. THAT Respondent has reported to consumer reporting agencies that Affiant/ Consumer has not paid the disputed debt.

Without Prejudice, UCC 1-103, 1-308 and 9-311 et al

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
In accordance with the Fair Credit Reporting act Convergent Account # XXXXXXXX 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 XXXXXXXX, XXXX XXXX Federal 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MN
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:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: SYNCHRONY FINANCIAL
State: MD
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:
Denied an AMAZON STORECARD by Synchrony Bank ( SB ). Reason dated XX/XX/2020 was Dear XXXX XXXX, We have received your request for a credit product with AMAZON STORECARD issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : History of dishonored payment ( s ) to Synchrony Bank Sincerely , Synchrony Bank I have two credit cards opened with SB ( Guitar Center and XXXX ). I have never missed nor had a late payment on these cards, and paid them off early. Contacting SB customer service for the AMAZON STORECARD, no one was able to explain this or give me the contact information of someone who could. I was told there was no one at SB who was responsible for the decision, that it was automated, and that I should re-apply.

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 2022-12-14
Company: GOLDMAN SACHS BANK USA
State: GA
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:
Firstly, I have never missed a credit card payment in my entire life ( something I pride myself on ). I also make sure to have auto-pay enabled on all of my accounts, as to never miss a payment. Nevertheless, I also regularly payoff the cards ahead-of-time. 

I check my credit score daily, and when I reviewed it today ( XXXX ) I saw that it was down XXXX points ( XXXX to XXXX ) because of a delinquent payment. I checked through all of my accounts to see where the issue may be and saw that my Apple Credit Card XXXX Goldman Sachs Bank USA XXXX was reporting that I was roughly 30 days late on a ~ {$100.00} dollar payment. 

I was extremely confused because as I stated previously, auto-pay is enabled on all of my accounts. I paid it off immediately, and had to **RE-ENABLE** Apple 's auto-pay feature when I had already done so previously. 

I received no correspondence that this was going to occur in the background, or that my auto-pay was disabled unbeknownst to me. Now my credit score has tanked significantly and pending any rectifying of this, I will have to wait seven years to " age '' off of my report. All for product disfunction on Apple 's end that I wasn't notified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was an authorized user on the Citibank CBNA credit card of my father XXXX XXXX XXXX. My father has not had the credit card in years. I am about to purchase a condo and that credit card appears on my credit report as open. It has a {$49.00} balance and an {$8400.00} credit limit. 

My broker suggested that I correct it since it may affect my credit rating.

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 2022-04-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had been charged by bank of America on my XXXX card for several transfers of money out of my account I did not authorize on top of double charges for purchases I did make as well as purchases I did not authorize which should have been clearly obvious to bank of America if they had done any type of real investigation at all into my complaint. I have all the dates and I even have my phone conversation with them recorded. Their response was that no error had taken place at all. On my statements you can clearly see even the double charges for the exact same amount to the exact same place for the exact same time. How is it they saw no error? They obviously did nothing! Shame on you bank of America if it was your mother or sister I'm sure you would have done a better job at looking into the problem!!

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 2017-05-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reached out t o Navient  in  XXXX    XXXX   to renegotiate my payment to a lower amount, since my husband has been out of work for 3 months. They " lowered '' my payment, as I was told and it was supposed to begin in  XXXX . In  XXXX  and in  XXXX  they took out the original amount - not the payment I had agreed to, which was less than {$200.00}. I called them, spoke wit h three differ ent people who all gave me differing information. I asked the last representative why it shows on my account online that I owe them a payment of {$180.00} and they drafted {$250.00} from my bank account. She told me that I can not go by what it shows online. WHAT? This makes absolute ly zero sens e.   In addition, my original principal  on one  of my loans was {$12000.00} - disbursement date of  XXXX . That balance is now {$21000.00}. The other 's original principal was {$13000.00}. - disbursement date of  XXXX . The current balance on that is {$24000.00}. My total balance has risen by almost {$20000.00} while I have been paying on it for 10 years. I will never be able to pay this off and will be in major debt for the rest of my life with this arrangement. How the government allows these lenders and banks to completely run amok and take advantage of the people is beyond me. Something should be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The office of my governor suggested I contact you regarding the repossession of my car during this coronavirus crisis. On or about XX/XX/XXXX, my car was repossessed. I called the bank to inquire what need to be done for the return of my car. I was told that I needed to pay the full amount of my outstanding balance of {$36000.00}. I offered to pay the outstanding overdue arrears of {$1300.00} plus {$10000.00} toward the {$35000.00}. This would leave a balance of {$24000.00} for refinance. I explained to the person that I am a XXXX XXXX and had been in the hospital and I only get pay if I go into work and that I am still not well. I feel behind in my payments. I was told that they do not do a refinance and that the only option was to pay the full {$36000.00} if I want my car back. The car is scheduled to go to auction on XX/XX/XXXX. I pointed out to the person I was speaking to that by auctioning my car they would not get the full price back. At least, they can get their money back from me. Since we are still in stay home state order, I am assuming that my car is still available. I would want my car be deliver back to me. 

I am a XXXX XXXX currently working XXXX  from home. I have XXXX XXXX  and would appreciate it if someone would help me in this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone opened a capital one credit card in my name using their address which I recognized because she used to babysit my son my kids birth certificates and social security cards where also stolen by her. The dates match from when I stopped using her as a babysitter because she stole cash from me then it showed up on my credit report that a capitol one credit card was opened and used for several months without my knowledge or permission. I disputed it and talked to XXXX they told me to contact the FTC also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Other

Complaint:
Discover card is reporting a negative account that I was previously listed as an authorized user on. As an authorized user I am not responsible for the account in any way, yet they are damaging my credit. I have called them to dispute the account and requested them to remove it, but all they tell me is that I 'm no longer listed on the account so there is n't anything they can do about it. They placed it on my credit, but refuse to remove it. According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: TD BANK US HOLDING COMPANY
State: PA
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:
TD Bank constantly mailed me a pre-approved credit line offers. 
Recently I decided to give them a try, so I applied for a pre-approved credit line offer they mail to me. 
As XXXX XXXX  with a long experience in the e-money industry and the payment systems, I applied with confidence as I take care of my credit score/report, reasonably utilize my credits, never missed a payment, keep myself up to date about the payments system industry and never got a credit application rejected. 

TD Bank performed a hard inquiry to my credit report, and on XX/XX/2020, I got TD Bank decision for my credit application, that stated that they are unable to grant my request for credit for the following reason : " Unable to validate information provided on your application ''. 

What information they weren't able to validate? They just provided an elastic and foggy reason that would allow them to deny any application regardless of any provided facts! 

And why didn't they communicate with me if they still need more verifications before taking their decision? 

I don't accept TD Bank 's decision, request my application to be double-checked, and request them to provide a clear and reasonable reason/s if they are still unable to grant my request for credit! 

Note : I checked TD Bank web-site to find any E-mail I could use to communicate with them or any appeal process, but they don't share such type of communication channels. 

Attached are copies of TD Bank mail and my XXXX  credit report for your reference. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was sent a summons from the law office. I answered the summons XXXX/XXXX/2014 with the county clerks office in my area. the law office stated I never answered the summons and had a judgement won against me.I had the judgement appealed because I did answer the judgement. 

This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: MARINER FINANCE, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2019, my husband cashed a check for {$3500.00} from a financial company, XXXX XXXX, that was made out to me, without my knowledge. He received the check in the mail as per their marketing. The check was in my name, but he had no problem cashing it, even though on the check it says you need two forms of ID. He even forged my signature on the back. 

The company says that I am responsible for the amount because it was my husband who cashed it. 

It is unacceptable that it was so easy for him to cash that check. I should not be held responsible for his actions. 

The only way that I found out about it, was that XXXX XXXX sent a letter to me in XXXX saying that payment was past due! I called them and they told me that sure enough, someone had cashed a check that they had sent in the mail. But because I knew the person who had cashed it, they could do nothing about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation