BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
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: Public record information inaccurate

Complaint:
I leased a new vehicle from Toyota financial. At the end of the lease I purchased it and financed it through them. My Experian credit report reflects that the lease was discharged in bankruptcy. When I disputed this with XXXX, Toyota responded to them that it was discharged in bankruptcy. When I contacted Toyota finance they refused to correct this information. I explained to the agent that she could clearly see where I bought the vehicle from them but still was unable to correct this. She contacted her disputes dept while I was on the phone with her and they told her it was discharged in bankruptcy. I had previously filed bankruptcy but the vehicle was not included in the filing. This mistake is adversely affecting my credit rating and Id like this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I payed the lender money to not repo the car and they took the car stated I owed them XXXX dollars and said because I aint pay them that I owe them XXXX dollars now and the name of the company that kept my money and car is bridgecrest they are a rip off my loan has been XXXX for 3 years never went down after payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: U.S. BANCORP
State: CO
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:
In 2011 my husband and I paid off our US Bank vehicle loan # XXXX. We mistakenly did not follow-up with the bank when we did not receive the released title. US Bank is now saying they have lost the title and are refusing to provide a release of lien so we can apply for a duplicate title. My husband and I have spoken to FIVE people at US Bank and they all claim they are working on providing this letter by the most recent representative admitted NOTHING was noted in the file. It's been over two weeks and I am beyond frustrated. My position is my husband and I signed a contract with the bank and we fulfilled our obligations by making the payments and the bank, in refusing to provide a release of lien, is effectively stealing our property. I would like to know if there is a remedy available through your office or if our only recourse is a civil action?

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: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
XX/XX/2023 Chase Dispute Center Dispute XX/XX/2023 XXXX XXXX {$2600.00} Let me outline why I am disputing this charge : 1. XXXX XXXX at phone number XXXX as identified on the original credit card charge is no longer the company as named but is now calling themselves XXXX XXXX XXXX. I found this out after googling the phone number 2. When this entity contacted me originally they were selling me a two year subscription for my XXXX XXXX XXXX. A software that I have used for many years. 
3. Approximately a month later I contacted XXXX XXXX, the legitimate company, to ask why my software updates were not occurring, and they indicated to me they have absolutely no association with the entity that contacted me, and secondly XXXX does not offer two year subscriptions. 
4. I have NEVER received and goods or services or software from the XXXX XXXX company that processed the fraudulent {$2600.00} charge on my Visa. I also never received any kind of communication or receipt from this entity. They obviously scammed people into thinking they are the legitimate software company. 
5. I continue to attempt calling XXXX to follow up on my conversation with XXXX in their offices who indicated a month previously I would be getting a refund. I have texted through their website, with no response, Ive attempted calling the XXXX number indicated on their website with no answer. Ive left messages, with no response to date. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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 an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For weeks they have been calling more than 10 times a day from different numbers most starting from XXXX to after XXXX central time. They leave several messages regarding the debt that I have no relation to. Some voice messages are automated and others are not. These calls have become so excessive to the point where it is truly disturbing me, especially when I am not the person they are looking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
( Note : This is copy and pasted from the report I filed against PayPal on XXXX ) On XX/XX/2021, PayPal put a sudden and unwarranted permanent limit on my personal PayPal account after receiving a small payment for buying another coworker lunch. I then spoke to XXXX, an employee of PayPal, to try to resolve the problem. He had me submit my Drivers License to prove my identity. However, after waiting the 3-5 business days to have the problem solved, nothing changed. After calling them again on XX/XX/2021, I was then told that my account is now permanently limited due to " high risk '', preventing my from accessing the funds on my account. They explained that their internal system automatically did this and offered no explanation about how I broke the agreements between me and PayPal that caused this action. 

Later in XXXX, I tried calling them again but I think they have black listed my number. I keep getting hung up on after the system tells me about the call being recorded. I also tried calling them through the account cancellation line, but I have been on hold with no one to talk to me for over 12 minutes. Usually, I get an offer to press 1 and have them call me when it's my turn, but I didn't even get that message. The calls that prove my claim are attached to the message as an " XXXX '' sound file. 

On XX/XX/2021, I messaged them on XXXX to try and resolve it from there. Like they said while on the phone in XXXX, they said the account was permanently limited after a review and offered no answer why. They insisted that the decision will not be reversed. 

I want to have my account back as their actions are a breach of the contracts between us since they refuse to provide proof that I have violated any agreement. The reference ID for the permanent limit in question is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To Whom It May Concern, I am writing to dispute a fraudulent account reported on my credit report. This account is not recognized by me, and I believe my identity has been used without my consent or authorization.

Pursuant to 15 U.S. Code 1681c-2, you are required not to report any information on a consumers credit report that the consumer has notified you is a result of identity theft. As such, I demand the removal of this fraudulent account from my credit report within four ( 4 ) days of your receipt of this letter.

Furthermore, under 15 U.S. Code 1681s-2 subsection ( a ) ( 3 ), furnishers of information are obligated to notify consumer reporting agencies of disputes regarding the accuracy of information. I have previously contacted the furnisher, and they have confirmed that my personal information does not match their records, suggesting identity theft. They also indicated that they do not engage in providing dispute notices to credit reporting agencies. Therefore, your report violates subsection ( b ) of 15 U.S. Code 1681s-2, as a reasonable investigation of this matter has not been conducted.

I insist on receiving a comprehensive investigation report directly from the furnisher, complete with their letterhead, detailing their method of verification. This is to confirm that my claim of identity theft has been thoroughly examined and substantiated. 

I demand the immediate removal of this account from my credit file and that a new credit report be issued to me within 30 days of the removal to confirm the correction. Below is the item in dispute and my explanation : Disputed Item : FAIR COLLECTIONS AND OUT Explanation : This account was fraudulently opened in my name without my knowledge or consent. 

Failure to comply with these demands could result in legal action. Please take this matter with the seriousness it deserves. 

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 2023-12-06
Company: World Acceptance Corporation
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a bonded contract with world finance and the contract states that if you XXXX XXXX XXXX XXXX XXXX your insurance will cover the payments. They stated I must fill out some paperwork on a recorded line I stated that I was demobilized and that they would mail the forms to me. Never retrieved them so instead they report late payments and now charged off the account as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: CA
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:
Hi my complaint is too major credit bureaus XXXX  XXXX and equifax i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to all my other complaints. It is XX/XX/21. XXXX XXXXXXXX XXXXI just received this letter today from phh mortgage. I think they are trying to give me late charges to scam me out of money. From my last complaint about not receiving mortgage statement. I received this letter today. I was promised from their manager that I would recieve a statement on XXXX XX/XX/21 for just XXXX. I did not. It was for XXXX and XXXX. Recieved late again Monday XX/XX/21. Sent payment XX/XX/21. Please read Statement picture attached.

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 2023-02-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
I received a text from a machine asking if I made a purchase on my Chase Freedom card. I said yes. My card was cancelled against my will anyway and the charge declined. No one was able to actually read or find the text or know why it was cancelled. A human being should have called me. I tried calling Chase as soon as I got the message which woke me up in the middle of the night. Their office was closed.I have spent 3 hours trying to straighten this out. I do not want a new card number. Or I want compensation for this aggravation and now cancellation of my vacation booking. 

How do credit card companies get to behave like this without some kind of a Fine?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, King of XXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX  ( XXXX XXXX Works ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : 517805, In accordance with 15 USC 1692g, I, Shuron Davis, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 Transworld Systems Inc ( XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone # tel : XXXX ) reported to my credit file an account on behalf of XXXX. This account is not mine. I have never had an account or any agreements with XXXX or Transworld Systems Inc. I have not received any notices from XXXX or Transworld Systems Inc. The only notice that I have received was a notification on my credit file. I have tried reaching out to Transworld Systems Inc and have been unsuccessful. I have reached out to the creditor XXXX and they have verified that this account is not mine. I am requesting that Transworld Systems Inc remove their claim and my information from their system and from my credit file as this has adversely affected my credit and is affecting my business and life.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: MD
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

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 explanation
Consumer complaint received 2023-10-25
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I mailed this ( attached ) detailed letter to LoanCare 's Office of the Customer on XX/XX/. It details my attempts to get the loan maturity date problem resolved since XX/XX/. 

LoanCare opened Case # XXXX on XX/XX/ upon receipt of my letter. I have received no contact from them regarding this whatsoever. I called them on XX/XX/ to find out if they had received my letter and was given the case number then. 

As of today, XX/XX/, I received notice that my mortgage servicing is being transferred from LoanCare to XXXX on XX/XX/. There has been no mention of any resolution on the case.

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 2023-06-11
Company: SYNCHRONY FINANCIAL
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:
In accordance with fair credit Reporting act XXXX  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. XXXX USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-25
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX there were 12 unauthorized charges on my account I contacted chime and the denied the claim so I contacted back for them to reopen the case they did but only approved 7 charges when I showed proof of being at work in the hours of the charges being made. I lost my card that Tuesday during a fire drill at work I'm guessing and didn't notice until that Friday when my friend sent money to help me pay my rent. I rebutted it last night and they again denied as soon as the agent sent it in which is not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has giving me the run around several times on this account. 

I talk to them several times in which different amounts they mail me. 

Someone from XXXX tells me after several attempts to get this resolved but no one follows up from XXXX to clear this up XXXX giving me XXXX Bills with different amounts I have for {$390.00} & {$270.00} But was told XXXX XXXX said on the phone {$260.00} and they clear the amount to sttle on thsg amount in which I never got the bill for the said amount after several attempts. 
This robot or AI machine in which has several issues its nit no human I have attached from XXXX XXXX different bills with different amounts they mail after I had disputed the bill.

Company response to consumer: Closed with explanation