BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
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:
Toyota Motor Credit Corporation ( TMCC ) and its affiliate, Toyota Financial Services ( TFS ), is claiming it is owed a past due balance of {$4400.00} by the account holder. However, per TMCC and its affiliate, TFS ' XX/XX/XXXX XXXX report with the Securities and Exchange Commission ( SEC ), page XXXX Secured Notes and Loans Payable section, it conspicuously states that, " We, ( being TMCC and its affiliate, TFS ), securitize finance receivables and beneficial interests in investments in operating leases ( Securitized Assets ) using a variety of structures. Our securitization transactions involve the transfer of Securitized Assets to bankruptcy-remote special purpose entities. These bankruptcy-remote entities are used to ensure that the Securitized Assets are isolated from the claims of creditors of TMCC and that the cash flows from these assets are available solely for the benefit of the investors in these asset-backed securities. '' It appears that the two applications submitted to purchase/lease two automobiles from the XXXX Toyota dealership in XXXX, New Jersey in XXXX XXXX XXXX TMCC and its affiliate TFS, purchased the commercial/chattel paper ( applications ), collateralized them, then transferred and converted the commercial/chattel paper ( applications ) into tradable securities to be sold and traded in the open and/or private sector markets to which I have received no benefit. Regardless of what TMCC, TFS and their affiliates claim, withholding access to my securities is securities fraud, in which I am entitled just compensation to. TMCC, TFS and their affiliates knowingly and willfully operated in dishonor, unjustly enriching themselves with unclean hands. Behaving in such manner are severe violations of federal law. If we are unable to reach a settlement agreement within XXXX XXXX XXXX XXXX days, I will have no other option than to hold them accountable for their actions to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity and information was used fraudulently with Wells Fargo for {$250.00} in 2007

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 2019-03-30
Company: WELLS FARGO & COMPANY
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I made a booking on XXXX for XXXX XXXX XXXX KY stay. Unfortunately during the check out the price was not discounted by {$20.00} as per offer sent to me ( attached ) despite all criteria being met. I called the Wells Fargo customer service with intention of disputing the purchase and the bank failed to dispute it. On first contact, the representative indicated that she will be the one arranging and handling the dispute and when I gave her all the info pertaining to the transaction I was told that I am going to be transferred despite what was indicated to me a few minutes earlier. When I have heard this info I requested to be transferred to the supervisor and confront the bank why the info given to me at the beginning of the call was misleading. As result of the conversation that transpired next I was told that the real motive for giving me a incorrect and misleading info was the WF to weed out unauthorized and compromised card use and not to initiate the dispute process as I am entitled to under the credit card user agreement. 
When I was finally told that I will be transferred to the dispute dept to initiate the dispute process I was put on a very long hold and then subsequently the call was disconnected. 
I got a follow up call shortly after from the CSR of which the purpose was made unclear to me. 
Personally I think it is reprehensible that the WF is preventing consumers to dispute purchase by providing not only misleading info to the consumers but using the calls for the purpose other than declared. This clearly shows the WF culture as not only contrary to what is stated as its operating procedures but perhaps even violating state and federal laws. The company should make it CLEAR what is the dispute process methodology right from the beginning instead of making the process cumbersome and misleading which I believe is done on purpose to dissuade consumers from dispute process.

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 2023-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I have been a Bank of America customer since about XXXX. I have had no issues with this bank during the duration of this time frame, on today XX/XX/2023 I woke up to not being able to log in or access my accounts. I have 2 checking accounts, and one credit card account with them that has been opened for 5+ years as well. When I tried calling all I was told was Bank of America decided to close all 3 of those accounts, no warning, no reasoning. Nobody could give me any information. Ive been dealing with being transferred from person to person and have yet to get a resolution. I tried going into a branch on that date as well and was told to maybe reset your online banking and that was it. I had multiple bills already scheduled prior to that date to come out the account. They told me the decision was made the morning of XX/XX/2023 with no other knowledge to explain. I asked what will happen to the bills in processing and they said they dont know. 
Another thing is it has been NO COMMUNICATION, no warning, no letters, no phone calls, no alerts, no anything! Just woke up and one day everything was gone!

I have never had any issue with this bank, my credit card bill was current and I have NEVER missed a payment. Therefore what is the reasoning for my account closure? And why is there anything I can do about it?

Also, one of the accounts was a joint account with my mother who has been with them for 20+ years and also is employed by them!

This is wrong and such an inconvenience and I want justice! 
Also how long will it take to get the rest of my funds from the accounts? 
Now I have to risk a ding to my credit because they chose to close my 1 long lasting credit card! 
This is not justifiable in anyway.

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 2018-08-08
Company: U.S. BANCORP
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:
On XX/XX/XXXX of 2017 I received a hard inquiry from XXXX XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request.

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 2023-01-17
Company: Lewis, McDonnell & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was threaten verbally attacked. They said they were come to my place of employment to serve me with paperwork. They also falsified information on my credit report with incorrect addresses thats listed to a XXXX  of XXXX XXXX California also, XXXX, California, XXXX XXXX. They are a scam company that is trying to use scare tactics for them to get paid I will include the addresses that they list that with a simple XXXX search. would see that the address they listed was fake. the first address they list is XXXX XXXX XXXX XXXX ca XXXX which is XXXX XXXX. the second is a post office and the address is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ca . they need to be found so i can sue them and please have this remove my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My girlfriend and I broke up, she didn't take it too well so she started tripping out and called the police, the police told me I had to leave, she would not give me any of my possessions ( my wallet which contained my debit card, social security card, etc ) my social security money is deposited on the XXXX of every month at XXXX, my wallet was in her possession from XX/XX/2022 to the evening of XX/XX/2022, there were 2 withdrawals on XX/XX/2022 the first withdrawal occurred at approximately XXXXXXXX XXXX and was followed by a second withdrawal at XXXX XXXX. I have not ever nor will I ever give anyone consent to use my card, I called my bank which is " direct express '' and I made a report, I repeatedly told them that I have not given anyone permission to use my card and that I wanted the money that was stolen to be reimbursed and for legal action to be taken on her for stealing it, they denied it and told me I gave her consent to use my card, which again I have not and will not ever consent to someone using my card. They denied my claim and told me that I gave her permission, so direct express has failed to do a proper investigation of my claim and are denying the reimbursement, I have paperwork, evidence, and I've filed police reports and I hand wrote a statement as well, my rent is due towards the end of this month and I have not been able to get food either, I intend to file a lawsuit against direct express bc due to their inability to do the job that they were hired for and it has caused a variety of issues for my quality of life, I did research and everything I read said I needed to file a complaint through this site, please help me obtain the justice that direct express wrongly denied me of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is 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 2022-10-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a document from Midland Credit Management offering me payment options for an alleged debt in the amount {$3300.00}. XX/XX/2022 we sent a validation of debt letter to Midland Funding via certified mail. To date we have not received a response from Midland Funding in reference to this matter. I'm requesting your office to assist me with this matter. 
Certified receipt number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-05
Company: GLOBAL CREDIT UNION
State: AK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is regarding Global Credit Union. I had an Auto loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sold this XXXX XX/XX/2023, to a customer of Global Credit Union. The customer took a loan with Global Credit Union, and there were XXXX checks cut that day. XXXX to me, for the amount above the balance on my loan with XXXX XXXX, and another to XXXX XXXX for the amount still owed on the vehicle. Global Credit Union employees XXXX XXXX and XXXX at the XXXX XXXX, declined to give me the check, and mailed it off directly. This is where they made the error, of not putting a tracking number on a check worth more than {$12000.00}. This check was lost, and Global Credit Union has botched this entire transaction, the communications regarding it, and every policy related to it. I still have not received, nor has my bank received the $ XXXX payment for the vehicle that has been sold and now owned by XXXX XXXX XXXX the customer of Global Credit Union . I have spent over 24 hours trying to resolve this, sacrificed an entire day of sleep ( I am nocturnal, in the XXXX  ), and have gotten nowhere. Both financial institutions have been charging interest and receiving payments on the same vehicle for over a month. This must be a crime. I am exhausted from telling this story over XXXX times and writing it out several times. I have attached my two emails to Global Credit Union in a XXXX XXXX. 

They still have my {$12000.00} and won't release it to myself or my institution. They are legally obligated to do so. Global Credit Union and their representatives XXXX XXXX, XXXX XXXX and XXXX- all at the XXXX XXXX of Global Credit Union should all not be allowed to conduct business in the financial sphere ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: GA
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, Please note that I have made multiple attempts to work with TransUnion in removing the erroneous reporting of a Dismissed Bankruptcy from my credit report. Based on the reported information from TransUnion, they stated a 3rd party company named XXXX provided the information. XXXX XXXX XXXX do not provide information related to public records to 3rd party companies like XXXX XXXX or any other for that matter that TransUnion stated provided the 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: PA
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXX  Balance : {$630.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}

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 2022-10-20
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
equifax still refuses to remove accounts on my report i reported as fraud. XXXX  XXXX XXXX and XXXX XXXX XXXX. i have sent the proper documentation to have those accounts removed and they keep giving me different answers. saying they cant read the documents or information is missing on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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 was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX USAA SAVINGS BANK CREDIT CARD BALANCE XXXX $ XX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
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: Public record information inaccurate

Complaint:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, Tran Union and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to 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 explanation