BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I haven't done anything. was unaware I owed this kind of money to them. I go to the office every XXXX and I always pay my co-payment at the time of service, so not sure why I all of a sudden have a debt of {$1400.00} account number XXXX. 
If this is a debt I owe it will need to be set up on payments since I am living on a fixed income. 
Thank You XXXX XXXX the best way to reach me is via e-mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XXXX XXXX, at XXXX, I called Experian and discussed that there was incorrect personal information reporting on my credit report that was not accurate and asked that it be removed. Incorrect addresses, mis-spelling of name, incorrect telephone number and past employment. Experian fraud dept refused to remove the incorrect 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 explanation
Consumer complaint received 2023-12-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, XXXX, XXXX are reporting an invalid address for me. I have never stayed at XXXX XXXX XXXX, XXXX mi, XXXX. I have no accounts tied to this address. My address is XXXX XXXX XXXX, XXXX mi XXXX, I have been at this address for XXXX  years, I have stayed in XXXX my whole 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

COUNTY OF XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In XXXX of 2021 I had a chargeback with Binance.US. that resulted in my account being locked. After several failed attempts to transfer the money to my account I attempted to contact customer support. I never received a response from customer support. Finally on XX/XX/XXXX I was able to complete a transfer from a separate payment source for the amount of the chargeback. The payment was accepted and the chargeback was processed and settled. Looking into FAQ I found the guidance from Binance.US stating that 5 days after a chargeback is settled your account would be restored to full privileges. It is XXXX now, well passed the 5 day period, and my account is still locked. I have attempted to contact customer support several times and I have not received any contact back. The last helpdesk ticket was sent on XX/XX/2021 with me reaching out again on XX/XX/2021 inquiring about an update. 

I have attached screenshots of the payment that was mailed and showing the chargeback processed. I have also attached recent screenshots showing my account is still frozen. As well as screenshots from Binance.US FAQ guidance on account restoration and the email traffic regarding my final helpdesk ticket and my inquiring for an update. 

Thank you. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX 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 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I cosigned a student loan with Navient on behalf of my sister. Because of Navient illegal forbearance scheme the loan was mishandled. The loan qualifies for discharge under a lawsuit filed by the Attorney General of New York. She has gotten other loans discharged however Navient wants me to pay. I was a resident of New York when I helped her and has relocated to Georgia for XXXX XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : 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 non-monetary relief
Consumer complaint received 2021-05-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a vehicle loan with Toyota Financial with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to Toyota, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from Toyota.

I called Toyota and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that Toyota remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that Toytota had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe Toyota was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Byrider Franchising, LLC
State: IL
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:
CNAC XXXX XXXX. took my car after I singed a new contract with them regarding two late payments that they had put at the end of my car loan which had me up to date on my car note the day my car not was due I went to pay it at XXXX in the amount of XXXX The CNAC locked me out of my account the following day sent me a letter of repossion the following day they came and took my car. I called and spoke with a loan person who told me that CNAC was backing out of the loan and I still have to pay for the car. As of today XX/XX/2022 I received a letter of intent to assign wages at my current job after close review I of all the paperwork that the company falsified my social security number. They also declined payment and arbitration agreement that was completed in the contract and forced a repossession on my back ground with a false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 53 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to resolve a duplicate transaction issue with Chase Bank for 5 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my Chase Bank account ending XXXX from someone elses account at XXXX XXXX XXXX. I notified Chase of this and they reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Chase bank, thy directed me to talk to XXXX XXXX. XXXX XXXX stated that they would be able to fix the issue if Chase issued a letter of indemnity, which Chase refuses to do despite the fact that this is apparently standard practice ( XXXX XXXX informed me that Chase Bank weekly sends these letters to their ACH Operations Team ). 

Ultimately, Chase Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called Chase Bank weekly. I have called the Payments team several times and was assigned several case managers in the Complaint Escalation Group without a proper resolution. I am extremely frustrated that this entirely fixable problem has gone unfixed. Chase Banks customer service is completely unacceptable and unhelpful. 

I am extremely disappointed because I have a {$790.00} reversal and {$27.00} reversal fee charged to my Chase credit card when I have already sufficiently paid my credit card balance, and Chase Bank will not agree to work with XXXX XXXX Bank to resolve the situation. 

To resolve the problem, I would appreciate if Chase Bank would do one of two possible solutions : 1. Fax a letter of indemnification to XXXX XXXX Banks ACH Operations Team at XXXX and refund me the {$27.00} reversal fee charged to my account.

2. Reverse the original reversal charge of {$790.00} which I initiated through Chase Bank and refund me the {$27.00} reversal fee charged to my account. 

Ultimately, it does not matter to me which option is chosen, as long as Chase Bank fixes this problem they have been perpetuating for five months. Once this is resolved, I plan to close my Chase Bank credit card account and terminate my relationship permanently with Chase Bank. The unprofessionalism and incompetence that I have encountered at Chase Bank is absolutely unacceptable, and I am appalled that this issue has not yet been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: Lendbuzz Inc.
State: FL
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 purchased a vehicle in XXXX of XXXX with a down payment of {$20000.00} I was originally told by the dealership that the internet rate would be 12 % only to later find out that it was 13.87 %. I hit a hardship where I had to make substantial repairs to the vehicle which cased me to fall behind on payments. I was 2 months behind on the payment as a result of this at the time. I was attempting to contact the lender who is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. I was unsuccessful in my efforts to speak with them. Every time I called I got the automated service. The vehicle was repossessed on XX/XX/XXXX. Upon my attempts to pay my past due balances and retrieve my vehicle I was told that they would not accept the payment but instead wanted the entire balance owed on the loan which is {$32000.00}. I attempted numerous times to get in touch with someone in charge that could resolve the matter and was not able to. I believe that throughout this entire debacle I was handled incorrectly and harmed in several ways. 
Sincerely, done in good faith all rights reserved. Authorized representative By : 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 2021-05-10
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: ERC
State: TN
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 recently requested a copy of my credit report and found an account that does not belong to me. I was XXXX during the date that this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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

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 2022-06-06
Company: EQUIFAX, INC.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial sent me an email that they received a notice the car was impounded. We left the car at a repair shop ( the owner apparently had died in the meanwhile is what the current owner of location is saying ), that apparently it was stolen and sold on XXXX XXXX XXXX ( according to the police in FL ) with a stolen title in FL. Someone tried to transfer the title or pick up tags where it was discovered. The FL police reached out to GM Fin'l, asked if they still had a lien, and GM Fin'l picked it up. This was approximately from Spring sometime until XXXX. I had been making payments the whole time so had no idea. GM Fin'l blocked my acct to receive any add'l payments, causing it to go into default, called the loan due but never gave me a payoff nor would give one when requested, sold the car for at least $ XXXX more than was owed, and refunded me two payments. It's being reported incorrectly on XXXX as a charge off. There should not be default because they caused the default by blocking the payments being processed. And they sold the car and kept to proceeds. I'm located in XXXX GA area. A XXXX XXXX. Acct XXXX. I can't get into the account to pull the full account number. Also I had a legal name change in the meanwhile, so name changed on account to current name XXXX XXXX XXXX, but initially was XXXX XXXX. The police officer had me submit a statement. It is attached. His name is Officer XXXX XXXX. Email address : XXXX. I recently was denied for a new car loan and am paying very high interest on the loan that was accepted.

Company response to consumer: Closed with explanation