BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: AZ
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 reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I received a fraud alert from XXXX that a credit inquiry and new account were opened with Toyota Financial Services and XXXX TOYOTA . When I called to alert the dealership that this was fraud and I had not tried to purchase a vehicle, they found that another person with the same name as me purchased a car with them today. That person used all of their own information, but my Social Security Number. The dealer found that when they typed my name into their XXXX, my social security number auto populated in their credit application system. This is a dealership network that I had previously purchased a vehicle with, but in a different store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30
Company: First Recovery Solutions, Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My family and I keep getting calls from XXXX. 1st recovery, they are collecting on a supposed debt from 2011. I have asked them not to contact myself or my family and they keep calling my family members anyway.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
repeated phone calls on sunday. late in the evening. i always tried to make arrangements for payment and i was told it was not acceptable and i had to come up wiyh more money than i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I deposited the amount of {$19000.00} into a new checking account with the bank called Truist, on XX/XX/2023. I received XXXX letters in the mail, saying that Truist closed my account for an unknown reason I was told XX/XX/2023 that I will get a cashiers check mailed to me and wait XXXX business days until XX/XX/2023 and I still have not received the check. I called the branch and no one is giving me an answer. I called the fraud department they keep saying that on my account, it says a check has to be mailed but theres no date. Another person said a check was mailed XX/XX/XXXX, but no check still. I went to the Truist branch and they just keep telling me to wait its been a month, I asked to speak to a supervisor or a manager, and no one will see me and I have not received a clear answer to where my money is.

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 2022-02-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a boat loan with BB & T - now Truist. Contact with the lender is impossible - wait times predicted 30-40 mins, and when you do contact them they can not produce pay off quotes or get any communication to you within 2-3 days. Trying their social media account is also useless as they suggest they will get back to you within a business day via an automated chat bot.

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 2017-04-04
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am paying XXXX a month for my navient student loan ( I have about XXXX that each have a 10 % interest rate ). I have called this loan company many times to try and change the length of the payment. They will not do anything to help. I also have sallie mae student loans which I owe XXXX a month and they will not help with my payment plans as well. I am drowning in student loan debt. I also have federal student loans. I am paying over XXXX a month in student loans and no one is helping me and these private loan companies do not accommodate my financial situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
unaccurate, not correct calulation, bad on math anyway u want to call it. this is for santander XXXX financing my car case number # XXXX my email XXXXXXXXXXXX OR XXXXXXXXXXXX cell XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with, Supervisor XXXX, XXXX, XXXX, and XXXX from XXXX I received an alert on, XX/XX/2022, that XXXX XXXX had pulled my credit without my consent and an order had been placed totaling {$210.00}. I then contacted Equifax and the other credit union disputing the credit pull and I alerted XXXX the same. I informed, XXXX that I never placed an Order # XXXX that was placed on XX/XX/2022, for the XXXX items for {$210.00} and didn't give then permission to pull my credit and reminded them that I have a fraud alert on my credit report, and they were supposed to have called me before placing any orders whatsoever which they didn't follow nor contacted me before pulling my credit report without my permission. 

I've also faxed # XXXX and XXXX to XXXX as I was asked to by supervisor XXXX my Identity theft letter. They agreed that I should have been contacted before pulling my credit report and that they have recording of me alerting them and that I wasn't contacted but refused to move the inquiry. XXXX tells me to contact Equifax which I've done and Eqifax tells me to contact them. These people are playing with my livelihood and don't care who its hurting. Equifax told me that XXXX XXXX XXXX factual record on my file and XXXX XXXX XXXX stated that wasn't true and no one there ever spoke with anyone from Equifax. attachment is with this complaint from Equifax dispute letter and my Identity theft letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit 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:
In XXXX of XXXX I looked at my Macy 's statement and seen there was an additional interest charge for a 12-month promotional credit program that expired. The interest charge was {$520.00} for a purchase that was made for {$1600.00} on XX/XX/XXXX for a loveseat that was delivered and sent back because it was damaged. Macys took of the interest charge but not the charged amount. The loveseat was delivered but sent back and my account was not credited. Macy did remove the additional interest but didn't remove the charge for {$1600.00} from my account. I paid the entire balance of {$1600.00}. I've been trying since XXXX of XXXX to get this charge removed and I am not getting anywhere. Macys keep closing the case. I feel at this time there is nothing I can do about it unless I just don't pay my bill. Also, Macys is not allocating the paid monthly payments to the promotional balances evenly. This is causing us consumers to get hit with an extremely higher interest rate. They charge you the interest on the original balance and not what is the current balance. Macy changed the account number. The original account ended in XXXX. Now the account is XXXX. 

Macys is continuing to give me the run around. I have been trying to get this removed from my account for over six months.

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 2022-02-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Equifax has Deleted my whole credit report and when I called they said we are aware of the problem. I was voicing my concerns when the Representative had said, " Well maam the longer you keep me on the phone the longer it will be to fix the problem '' I mean I've Never been so upset with someone in my whole life, Equifax Information Services, LLC. has Deleted my entire payment history showing that my credit score dropped XXXX points. 
Please have them restore my good payment history I am attaching the import I received from my credit monitoring company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You broke the law To whom it may concern : I would like to state that XXXX is in violation of 15 USC ( 6816 ( a ) ( 2 ).

Which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer.I the consumer never gave XXXX any written consent to report anything on my consumer report. No Consent is identity theft. I have enclosed a identity theft report which states the accounts that are being illegally reported. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) that the banking system is dependent upon fair and accordance consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me to loose faith in the banking system.If XXXX was to continue to do business with me. They should delete these inaccurate accounts off my consumer report. 

Accounts : XXXX XXXX XXXX - Late Payment - XX/XX/2021 XXXX XXXXXXXX late payment Inquiries XXXX XXXX, XXXX XXXX and 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 2021-06-15
Company: TRANSWORLD SYSTEMS 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: Information is missing that should be on the report

Complaint:
Transworld reported to credit bureau that I owe XXXX {$120.00}. This account has been paid. Additionally, there were no phone number or address where I may contact Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, Equifax, and TransUnion 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 XXXX, XXXX, and TransUnion are 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.

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 2023-11-12
Company: CAINE & WEINER COMPANY, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine and Weiner are reporting a debt from Progressive Insurance to the credit bureaus.. I've NEVER had Progressive insurance. Remove this immediately or I'll seek damages bureaus you are responsible for what you report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: OH
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The banker used a old account to access my social security number instead of using the XXXX I provided.After I asked her several times not to.

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 2017-04-07
Company: Zealandia Holding Company, Inc.
State: IN
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:
Recently I began receiving phone calls requesting to speak with my mother who has been dead for more than 9 years. The first few times the caller hung up when we told them she was unavailable. Then they began asking to speak with me, or my mother. After I would " verify '' my name I would be asked to verify my social security number, or my address, date of birth and or email. When I would refuse to give my ss # the caller would become more aggressive and demanding saying I have an outstanding bill and need to pay the collection agency that they are with. Today ( XX/XX/2017 ) I thought I would make an attempt to clear up any misunderstandings. After a hostile " conversation '' with " XXXX '' ext. XXXX at the phone # XXXX I had to resort to filing a complaint with the Indiana State Attorney General 's office who then told me this was a scam and to file a complaint with the Federal Trade Commission. XXXX was extremely hostile and aggressive on the phone. Insisting that I verify personal information even though he called my phone number. He stated that my mother owed a timeshare company, XXXX, almost {$3000.00} and that I too owed that amount. I stated that she was deceased for over 9 years and that all debts from her estate were paid in full when her estate was closed. He insisted that I was named in this invoice and that I was being aggressive and hostile because I would not verify personal information and had hung up on calls when I was requested to give them this information. He continued to yell at me through the phone. When I asked for proof of a contract she said I would have to call member services to receive this documentation. 
I asked for his information and after several and specific requests this is what I was provided : XXXX. EXT XXXX XXXX Zealandi ( I verified the exact spelling ) XXXX XXXX XXXX. 
XXXX, N.C. XXXX These phone calls are extremely harassing. 

This company and any complies associated with this ( including the timeshare " XXXX '' ) needs to cease calling my home, cell phone, sending emails and mail. 

Any credit reports filed against me or against my mother need to be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was open fraudulently and while I was XXXX XXXXXXXX XXXX I sent police report numerous times and they still not deleting this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Aldridge Pite, LLP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house has already gone through the process of foreclosure. I was notified by my insurance company that XXXX requested to be added to my insurance account just a few days ago. Afterwards, I contacted XXXX and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show XXXX and others holding my title at this time, and I was never notified. The filing process started back in XX/XX/2016. Please see documents attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I filed a Statement of Fraud with Macys Department Store by fax  XX/XX/XXXX  after I discovered a theft on my account ending in  XXXX . I reported the card lost or stolen and a replacement card was issued. However, the minute I reported the theft in XX/XX/XXXX  Macys took all of the statements off the website for the account ending in  XXXX . I waited three months to receive them by mail meanwhile Macys wrote to me and threatened collections. The Macys Card stopped reporting with all  XXXX  credit bureaus, The Statement of Fraud included the following charges  XX/XX/XXXX   XXXX   XXXX  merchandise not mine XX/XX/XXXX  Macys.com  XXXX  returned XX/XX/XXXX Macys.com   XXXX   returned  XX/XX/XXXX  Balance Transfer from Acct ending in   XXXX     XXXX  *Note : Erroneous and Fraudulent Charges for the  XX/XX/XXXX Statement Duplicated in  XX/XX/XXXX . I can no longer obtain the statements on the website for the corrupted account ending in  XXXX .
A police report was filed. I have made numerous phone calls, written emails and faxed letters. Macys Fraud Division has ignored my request for credit of all the above referenced charges and they have transferred a corrupted balance from the card reported stolen to my new account.
Further I used my   XXXX   XXXX   XXXX   card on  XX/XX/XXXX to participate in a Macys.com 50-70 % MORE Sale. The order I authorized for  XXXX  on  XX/XX/XXXX  changed without my knowledge and consent to  XXXX . In addition to this failure of Macys to honor their sale each of the items in the order was separated and charged to the   XXXX   XXXX   XXXX   card twice, once before each item shipped and then again a ( 2nd ) second time during delivery. Fraudulent Charges on the   XXXX   XXXX   XXXX   card  XXXX  in XX/XX/XXXX . I can see why my Macys Store account is having problems.
I can not even begin to express to you how overly burdensome the problem with Macys has become in my household.
I have waited well over the statutory requirement for resolution of this theft and am seeking assistance now from your agency. Thank you.in advance for your courtesy and cooperation.

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