BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I closed on my home that was in foreclosure for several years. I have asked for a full financial statement showing where the closing numbers came from. The case was closed before I could get the information from the servicing company or the bank. I believe I am entitled to a 1098 From for the IRS so I can write off the taxes and interest paid. Please send the form. The servicing Company XXXX XXXX XXXX ( XXXX ) stated on the attached statement that you are Trustee of the loan. They are showing that interest and taxes accrued right up until the day of closing. 

I have filed a complaint with the office of the Comptroller of the Currency. They basically told me to report it with the CFPB, so I am right back to where I started. My original case # was XXXX I have paid lates fees, legal fees, maintenance, realtor fees, Insurance payments twice. I even sent a statement with a due date before the date of the letter ( proof of intent to make me fail ). I have a right to be able to write off the interest and taxes paid. You and the Trustee should be claiming the profit with the IRS as income.

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 2022-12-05
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:
On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( 16 CFR 313 ) to any XXXX  nonaffiliates per XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX. Also per XXXX publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1. I requested a couple off things and sent in a Payment coupon.

Because i didn't get any confirmation of received or accepted, i call in a recorded line with a person/employed of toyota. i ask if had received my documents i sent. I said i had sent a payment coupon for the total remaining balance / pay off / payment in full. I ask if he understood a payment coupon he said yes. I ask i was checking to make Sure i fill it out properly, I didn't sing it, i did put some ucc codes in and wrote the amount. 


2. toyota also updated their website and in the process took peoples or persons ' AutoPay out including mine. The Bank accounts ' numbers to witch the payment get pull from. imagine if i took off for 3 months ' for the holidays starting XXXXXXXX XXXX XXXX XXXX. and not pay attention to any emails or text because you now i have it all on AUTOPAY rite. not if it was obstruct. witch will create a lot of problems. to which toyota would be liable. To be a breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX 15USC 1681 section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I have made previous attempts to resolve this matter

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.

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 2023-12-09
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am using Discover Credit Card. On XXXX  I contacted their agent who told me that I will get total {$800.00} credit back if I set up payments on XXXX  and XXXX and I agree with it. I will receive the amount of {$400.00} after the payment of XX/XX/XXXX, and receive the amount {$400.00} after the payment of XXXX However, I didn't receive anything after XX/XX/XXXX payment. I contacted their customer service TWICE and finally got it on XXXX After my XXXX payment, I also receive nothing. Then, I contacted their customer service again and the agent told me I can only receive it after the payment on XXXX 

They enrolled me into a program which will suspend my account without let me know, and leak my privacy information. Now, they did something like this. I have no trust with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The list of accounts below has violated my federally consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-06
Company: EQUIFAX, INC.
State: CA
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:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Correct the account 's information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I used the bank atm to deposit {$8800.00} onto my bank account and the atm took my money and did not place the money in my account. The branch confirmed the money was in the atm but they have not deposited or returned my money to me. The bank is Citi Bank.I 've called several times to the customer service and the branch.

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 2023-01-29
Company: Chime Financial Inc
State: CO
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:
When I originally opened my chime account I received a credit builder card. A couple months later it was deactivated. No one would tell me why. Months later I closed my chime account after they refused to reverse a payment to XXXX I never received my order and was out {$99.00} after chime denied my dispute. A few weeks ago I reopened my chime account and asking about the credit builder card and now Im being told Im not eligible because I closed the account. 1 I never closed the credit builder card. 2 I did not have a credit builder card when I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Comenity Capital Bank subsidiary Bread Financial has been unreachable since XX/XX/XXXX. Can not log in to website. Can not reach a customer service person. The number just rings or hangs up on you. On social media, the only thing they are saying is they had a system update that took longer than expected. The only comments on XXXX that they respond to are the credit cardholders re : late fees being waived because they can't pay their bill. They are NOT answering questions to Depositors. I have asked about my C/D with concerns about needing to close it and receive my funds. I asked them in the form of comments on XXXX and in XXXX  XXXX and on XXXX, because you can't reach them otherwise. My C/D term is XXXX XXXX  and will auto renew first of XXXX if I don't close it before. I'm concerned about my funds and that they will try to charge " early w/d fees '' if I'm unable to close it before the auto renew. But more so, I'm concerned they no longer have my funds. There are no official press releases or communication from Bread Financial or Comenity Capital Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: FL
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:
XXXX, Equifax, XXXX. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: DISCOVER BANK
State: FL
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 have XXXX different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a cero balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: MI
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. The list of accounts below has violated my federally consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Risecredit, LLC
State: MS
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 do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA.

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: TX
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 am submitting a complaint regarding a company that has refused to remove late payments that were a result of job loss and COVID-19 related issues from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Due to the pandemic, I experienced a significant loss of income, which led to difficulties in keeping up with my account payments. Unfortunately, late payments were incurred as a result of these unforeseeable circumstances. Despite this hardship, the company has not acted in good faith and has refused to remove the negative reporting reflecting this hardship.

I believe that the company in question is in violation of the FCRA. The act specifically states that credit reporting agencies must report accurate and complete information. The reporting of these old negative instances, even after the consumer has made efforts to settle outstanding balance and work out a payment plan, fails to provide an accurate and complete representation of my credit standing and worthiness to prospective creditors.

I respectfully request that the CFPB review this situation and that necessary action be taken for the company to comply with the Fair Credit Reporting Act. In addition, I am requesting that all negative instances reflecting hardship be removed as a reflection of the extraordinary circumstances presented.

Thank you for your attention on this matter and for your support in restoring my creditworthiness. 

Sincerely, 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 2015-11-01
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.

Company response to consumer: Closed with explanation