BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a XXXX XXXX XXXX VIN # XXXX on XXXX/XXXX/XXXX from XXXX XXXX in XXXX, MD. The car was new with XXXX miles on odometer ; presently XXXX miles. After all leasing paperwork was completed to lease this car ; the salesman INFORMED ME AIR BAGS ARE NOT WORKING AND I WOULD HAVE TO BRING CAR BACK TO MAKE THEM OPERABLE. He said he had to KEEP all of my leasing papers ; no paperwork for me at all! 
Everyone at dealership was aware of airbag problem but me. To make it worse, the car has had problems since I have had it. This car would not even pass inspection so why was it on the lot for sale? I have asked repeatedly for my copy of the lease ; to no avail. XXXX person sent a XXXX page " lease '' on letter size pages and parts were obviously obscured and it was n't readable. I received THREE different stories on airbags including " oh so you 're the one who bought it ''. The COO, XXXX, basically said I was stupid and why did I buy the car! Was very rude, yelled at me ; offered me to bring car back and he would APPRAISE IT then find another car. He promised to call me back ; of course I have n't heard from him. The XXXX, XXXX XXXX, was very ANGRY towards me along with arrogant, rude, constanting interrupting me and uncompromising. Something would be said about a recall ; but this was not a recall! He said he called me several times ( no record in my call history ) but I have found that they lie easily. The XXXX actually called ME a liar! Legally, as of XXXX XXXX Federal Law mandated that every automobile have working air bags when sold INCLUDING new cars. In XXXX ( XXXX ) of XXXX Part XXXX : Defect and Noncompliance Responsibility establishes requirements for format and contents of manufacturer notification to owner who is first owner of motor vehicle and motor vehicle equipment of a defect relating to motor vehicle safety and noncompliance with a Federal Motor Vehicle Safety Standard. As of XXXX XXXX, XXXX Federal law required XXXX information on certification label affixed to motor vehicle to provide consumer with information to assist with Federal Motor Vehicle Safety Standards. This makes my car an illegal lease agreement and the sale null and void. I have tried working with American Honda Customer Service Liaison, beginning XXXX. The case number is XXXX. The " arbitrator '' was always a man named XXXX and we never agreed even closely to rectifying the illegal sale. We spoke several times over a period of months but with no resolution. He was definitely a XXXX employee. The car malfunctions are too numerous to list here ; but the brakes grabbing unexpectedly, the car 's missing when accelerating, making noises while driving and after car is shut off, and that auto lights do n't always come on are the most serious safety hazards. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am refinancing my home ; my current mortgage company is XXXX XXXX ... .it just so happens my closing attorney office is XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX not related ) I am financing with XXXX XXXX  ... my contact is XXXX XXXX XXXX his number is XXXX .... 
My closing was supposed to happen 3-4 weeks ago ... .my closing attorney says Suntrust Bank ... has a 2nd lien on my house... home equity line from 10-11 years ago... 
My mortgage was with Suntrust back then and was sold to XXXX XXXX ( above ) which is about {$94000.00}...... I do not owe Suntrust any money related to a home equity... 
Did I ever have a home equity loan with them ; then the answer is possibily... but I would know if I owed them money .... 
My closing attorney has spoke to several people at Suntrust for the last couple of weeks. 
Depending on who you talk to at Suntrust and what day ; the lien is cleared and other times they think I owe money but do not know how much????? 
My contact and attorney have worked there butts off; trying to get this resolved for about 3-4 weeks... 
YOu know how much time it takes ; all the information ; needed by the finance company to get this done. Its a nightmare! Suntrust has now managed to cause me to pay a higher interest rate ; due to there imcompetentence. I was advised by XXXX XXXX at XXXX XXXX, rates will go up Thursday... They have locked in my rate for numerous weeks; emailed ; left messages with Suntrust to no avail!! Now rates are going up after having 3-4 weeks to give a definitive answer to the supposed home equity line. Please help me with this if possible ... .forgot to mention..I was told I did not have to make a XXXX mortgage payment ; now I '' m late on XXXX payment ... entire loan would have been paid last week of XXXX if Suntrust would have done there job 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 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
After being through a rigorous process with the SBA to get my funds released for almost 6 months. Capital decideds to frezze my account hold funds without explanation or time frame. 
{$450000.00} was deposited into my account XXXX and frozen XXXX. 
Going to window to make a withdrawal for payments for business expenses capital one gave no case number filing number and also stated there is no time frame or contact with such department. 
My business is q XXXX XXXX and operate from my social security which I am qualified to receive Deposit. 
Capital one need to release funds and stop causing such hardship. Which I'm especially bounced qch payments etc because I assumed the money was available to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receivables Performance Managemet calls multiple times a day looking for someone who is not us. We have told them they have the wrong number but they continue to call. Furthermore, most times when they call and we answer, they put us on hold then hang up on us. We then have to call back to talk to a human. When we call back, about 50 % of the time, they hang up and 50 % of the time someone answers. This is extremely unprofessional and frustrating, especially when we have told them that we are not the person they are looking for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This judgement was placed in my bankruptcy and it is now showing as a judgement. I went to the court house and got it DISMISSED/SATISFIED. The courthouse has then put it in the system, at this time I disputed, faxed and mailed in a dispute regarding this account. I went from getting a court date, sitting for XXXX hours, and getting the neccesary paper work needed to get it removed. Equifax then tells me that it can not be removed off my credit report. I call the court house and ask them and they no longer see it in my file. I keep disputing where as Equifax takes about XXXX days to get back to me to say its not going to be removed and only " SATISFIED '' where they are ignoring where it says dismissed also. I want this judgement removed seeing that it was in XX/XX/XXXX and my bankruptcy was in XX/XX/XXXX, on equifax reporting it didnt show up until XX/XX/XXXX and it was a XXXX party vender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX issues. XXXX XXXX is showing a student loan that was forgiven with a XXXX balance but a 120 day past due still on my credit report. Also XXXX XXXX is showing a student loan for {$2300.00} that was supposed to be forgiven due to XXXX eligibility and is still not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Called into Hyundai Motor Finance on XXXX/XXXX/16 - to question why Hyundai Motor Finance has me XXXX days deliquient on my car payment. Stayed on hold for 15mins. Hung-up, and called back. Customer Serv Rep by the name of XXXX answered call. Explained to her that I am not 58 days past due according to my own records. She explained that I made partial payments for XXXX & XXXX. I explained to XXXX my records indicate me sending in more than my monthly payment each month. She explained that I have unpaid late fee 's and that the overage payments are not being applied to the late fee 's. She explained I need to call into Hyundai Motor Finance after each payment and advise them to apply my payments to late fee 's. I asked her to apply my payments to what I am billed. She said she can not reverse the payments and re-apply. I asked to speak with a manager in which she explained the Manager ( XXXX ) said she could not re-apply the late fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
equifaxis changing status of of accounts on my credit file from included in chapter XXXX bankruptcy declared XX/XX/XXXX and discharged on XX/XX/XXXX to open accounts with late outstanding debts, they reported accounts correctly thru XX/XX/XXXX and on XX/XX/XXXX they changed to open accounts, my first complaint of honda finance, the company reported to you and me, that they are reporting correctly as discharged in bankruptcy and they again will notify equifax to report correctly, this has to be an internal problem in equifax to change status and in addittion the other XXXX credit report companies are reporting correctly, the accounts now reporting incorrectly in addition to XXXX are : XXXX XXXX XXXX, XXXX cc XXXX XXXX XXXX, XXXX cc XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reporting on my XXXX that they removed a collections account but the collections account is still reporting on my credit report for XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My wife and I applied to have XXXX of our cars financed through our XXXX Bank instead of continuing our financing with XXXX XXXX. We later received a letter stating that we were turned down because of the credit report from Equifax. The letter also stated that we could contact Equifax for a copy of our report free of charge. I contacted Equifax by phone ( XXXX ) but we were asked for our credit card number as we were going to either be charged {$7.00} for XXXX report or {$11.00} for a different report. When I contacted them via computer ( www.equifax.comXXXX ) it said that I would have to join their membership ( they did n't say the cost ) only that I would be charged monthly and if I did n't later cancel that I would be charged monthly even if their rates for membership was increased. I feel trapped and do not want to share my credit card info with Equifax. The letter from XXXX Bank stated " Under federal law, you have the right to obtain a copy of your credit report ( s ) without charge for 60 days after you receive this notice. '' We received the letter from the bank dated XXXX XXXX, 2016 and today is XXXX XXXX, 2016. Tomorrow morning I 'm going back to the bank to see what is going on. We want a copy of our credit reports they used. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with Equifax on several occasions advising that they have deleted my payment history for an account from 2007 for XXXX XXXX. I 've also contacted the creditor but was advised that I needed to contact the credit bureau as the creditor has reported the information correctly. I have check with the other major credit bureaus and they are still reporting the payment history for this account. Equifax is the only XXXX not reporting the payment history which is affecting my credit score. This is also happening on a plains credit account and cortrust. The history has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: OneMain Finance Corporation
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 belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. ( ONEMAIN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a previous address listed on my credit report that do n't belong to me. The following previous address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent documents requesting to have my address and employer updated on my credit file and It was refused. I also called and spoke with someone and my request was refused after answering security questions and on hold for 45 minutes. This happened on XXXX out of the XXXX credit bureaus. XXXX did update my address but the other XXXX refused my service ( Equifax and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Other fee

Complaint:
On a recent trip to XXXX, we were charged an exchange rate on our credit card { Chase Bank } well in excess [ over XXXX % ] of the rates posted at local banks and Chase Bank competitors. The banks market waiving the " transaction fee '' which was for a flat rate communicated by the bank in favor of this much greater fee ... the calculation of which is not stated. Is n't there a fairer way to calculate and communicate the exchange rate? 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: SC
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: SYNCHRONY FINANCIAL
State: AZ
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:
SYNCHRONY Bank, credit card stopped sending statements, changed minimum payment, added late fees/penalties : all without notification. No US mail nor email notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20
Company: Seterus, Inc.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every single year Seterus tries to create an insurance policy on my property claiming the policy I have in place was not paid. The policy they put into place " on my behalf '' is, of course, a much higher premium. I believe this practice to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XXXX and XXXX. Chase sold XXXX of my credit card debts to XXXX and XXXX Attorney at law XXXX, XXXX on XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on the XXXX of XXXX XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit score went down XXXX points due to Nordstrom taking my credit limit down {$700.00} without any notice or reason. My initial credit amount was {$2000.00}. It is now {$1300.00}. I pay on my card monthly. My account is not past due. I was given no communication therefore this extremely effected my credit utilization without notice or reason. My account is not delinquent and is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 I receive a letter from XXXX XXXX and Discover stating that they had a Writ of Garnishment against me. XXXX XXXX and Discover have violated my protected rights as a consumer under 15 USC 1692. I have proof of these violations in the Displays I have attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Risecredit, LLC
State: WI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The company deducts interest from partial principal payments when paying scheduled installment payments. 

The company does not have a means for consumers to make payments to principal balance only. 

The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2021-12-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation