BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed the vehicle thru Lexus Financial Services, the car was totaled on XX/XX/2019. My insurance company declared the car a total loss on XX/XX/2019 and informed me the amount of the total loss. They submitted a check to Lexus Financial Services on XX/XX/2019 for the amount. I was due a refund based on my overpayment. I have repeated contacted Lexus for the status of my refund due. They informed me that they only received the check from my insurance company on XX/XX/2019 this in spite of the fact that my insurance submitted documentation that the check was submitted by ACH on XX/XX/2019! Repeated calls to Lexus Financial have been made by me. I keep being told that they are still processing the claim. On XX/XX/2019 i was informed that the claim has been processed, i called on XX/XX/2019 and was told the claim has not been completed and they could not tell me when i would receive my refund. I will never use this financing company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-27
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citibank informed me via their chat support, in writing, sometime in XXXX or XX/XX/2023 that my secured credit card will be unsecured and a check would be mailed to me in XX/XX/2023. 

I called their customer support XXXX to verify this, one time before XXXX, once during the month of XXXX, and once today, XX/XX/2023. 

The first 2x I called them they informed me I would be receiving a {$500.00} check in the mail and the card would be unsecured. The 3rd time I called them, they informed me that my card would not be unsecured and would be reviewed again in 12 months, and they stated that they sent me a letter in XX/XX/2023 confirming this. 

Citibank uploads all letters sent in the mail via a secure platform on their mobile app. I have letters from before XXXX, and after XXXX, however no such letter regarding the card being unsecured is anywhere in the app and I never received a letter regarding the card being unsecured in the mail. 

I would have never made the decision to use the card, and would have used a different card and would have left a XXXX balance on it had I known that it was not going to be unsecured. I want the card unsecured and I want my {$500.00} back NOW. This is unacceptable.

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 2021-12-25
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX 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 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX, a detailed complaint letter faxed to Bank of America disputing with timelines of a fraudulent charge by an international vendor to a credit card in my name that was closed ~ XXXX or XXXX and no activity in the account since this period. The fraudulent transaction was initially discovered and reported to BoA on XX/XX/XXXX. Since this time, BoA has not responded satisfactorily and their method of addressing the complaint is opening a new credit card account without my consent and transferring the the balance of the fraudulent to the newly opened account. BoA 's credit card department subsequently harass me by placing frequent telephone call to collect on the debt. I have spent many hours contacting BoA with the intention of resolving their errors and lack of basic controls to mitigate risk from vendors submitting fraudulent transactions. The last conversation occurred at XXXXXXXX XXXX. on XX/XX/XXXX with XXXX of BoA to address another credit card account opened and transfer of the fraudulent balance transfer. After spending over an hour discussing the background with XXXX, he confirmed BoA never filed a fraudulent claim since my initially reporting it to them on XX/XX/XXXX and that this will be the next action taken by BoA. Needless to say this came as a surprise and demonstrates BoA 's lack of basic controls in managing consumer complaints and mitigating risk from fraudulent transactions submitted to them. I'm familiar with CFPB 's recent record $ XXXX fine assessed on BoA for lack of similar controls in opening fraudulent accounts on behalf of their customers without the customer 's consent. I have similar experiences with fraudulent transactions and accounts opened by BoA which again I have brought to BoA 's attention since XX/XX/XXXX. This is the basis for this request to CFPB for assistance achieving satisfactory closure to this long standing complaint and assurance BoA 's failure to address the complaint timely does not adversely affect by credit rating in the industry.

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 2023-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I wasn't fully explained to on how the account is going to be operating. They take up to XXXX to 5 days to authorize my money then I end up with late fees that pile up and I have them back money that I had in my account to spend. Also when I talked with a representative he told me they have to make sure I have money in my account in order to process the transaction. I'm like if I didn't have money in my account how did I make a purchase. Also why am I banking with you all if you don't know my available balance in my account. I feel like Bank of America is tapering with peoples money. To make them go in the negative I don't know how they're doing it but it's not right. As soon as I got this account my financial advisor has not been honest with me at all. He also doesn't answer my question straight forward. I regret getting a bank account now. They also paid me some money cause I caught on to what they were doing and I spoke about it and I said I will be talking to an accountant about this.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to XXXX through USPS Certified Mail, Tracking # XXXX. 

This information was also uploaded online through XXXX Dispute portal. I have spoken to several XXXX Membership Team members as well. I also pay XXXX membership for credit monitoring $ XXXX. XXXX Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, XXXX Membership Team nor the Fraud Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by XXXX, other credit agencies such as XXXX and Transunion is also reporting this fraudulent inaccurate information. XXXX and Transunion has confirmed that they are reporting as for the information provided by XXXX. 

I am in the process of refinancing my house, due to XXXX reporting inaccurate information which is a result of identity theft I was denied the mortgage.

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 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the disputed accounts ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: AFC Recovery LLC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFC Recovery, LLC sent me a undated letter which I received XX/XX/XXXX. 
The letter stated that they were trying to collect a debt owed to XXXX and that as of XX/XX/XXXX I owed {$350.00} and now owed an additional {$600.00}. 
I have no memory or records of any outstanding debt. 
It is my belief that any debts I owed in this time frame were paid in full and I have received no communications in writing or electronic in the past 10 years indicating otherwise. 
I do remember checking my credit report about 10 years ago to assure myself that any outstanding debts had be settled. 
My current credit report shows no record of any such debt. 
If I ever owed XXXX this money I believe that they either : - did not properly credit payments received - did not bother to inform me of a balance due for over 20 years Additionally this debt was not submitted to any credit reporting agency. 

On XX/XX/XXXX I responded to AFC Recovery, LLC using the form they provided and stated : I wanted to dispute the debut because I think- This is not my debt - Other The statue of limitations on debt in Washington State is six years I have never received any original bill for this debt I wanted AFC Recovery to send me name and address of original creditor This response was sent by USPS Priority mail and received by AFC Recovery on XX/XX/XXXX On XX/XX/XXXX I received another letter from AFC Recovery, LLC dated XX/XX/XXXX stating they were the new owners of this so called debt. 

I do not keep records going back 11 years. I honestly have no idea if this particular debt ever existed but I most definitely have heard nothing about this in 10 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: IL
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 XXXX ACCOUNT # XXXX OPENED XXXX XXXX {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX XXXX {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$710.00} XXXX XXXX ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$700.00} XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX {$500.00} has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 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 explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: VA
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 checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
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:
If you look at Complaint XXXX that was closed yesterday, you will see that Chexsystems stated that they fixed my report and sent an updated copy to me. However, that was a lie. They sent a letter to me stating that the information would remain on my report and they also did not include and updated report with it. That is a clear violation of the FCRA. I have included the letter sent to me that shows that they lied about how the situation was handled.

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 2020-04-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Latest date of phone call - XX/XX/2019 XXXX MST This company, identified as Radius Global Solutions , has been using their call center in XXXX to spoof local phone numbers and make harassing phone calls that violate several sections of the Fair Debt Collections Practices Act. These include : repetitious phone calls that are intended to annoy, abuse, or harass, calling without telling who they are, and calling before XXXX XXXX. 

The supervisor on duty at the time of calling was XXXX XXXX ( spelling is not clear, he refused to spell his name ). 

Typically, they hang up without leaving a message. However, on this latest call I was able to answer. By the use of their XXXX call center employees, the company misrepresents the nature of the call as well as refusing to provide more information to rectify simple mix-ups like wrong numbers. 

This company has been told several times that they are calling a wrong number and although they indicate the number has been removed, they continue to call from different phone numbers. They refuse to answer questions in order to rectify the calls and simply hang up when more information is requested. They also refuse to provide simple and non-protected information about the nature of the call and their business. Through the use of repeated harassment and very early morning calls the attempt to bully people into paying questionable debts is clear. 

Additionally, I have received calls from this company several times per week for months, despite repeatedly telling them that they have a wrong number. In short, their communication tactics are abusive, threatening, and unprofessional even when dealing with a simple wrong number. It is doubtful they are better when conducting legitimate business with actual cases.

Company response to consumer: Closed with explanation