BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TOYOTA MOTOR CREDIT XX/XX/2020 {$1200.00} I sent so many letters to the creditor starting before they send the account to credit. requesting information that my Gap insurance was cancel before my car was stolen, the creditor never sent it. 
i also request the credit bureau to verify that the gap was canceled also because Toyota didn't want to pay it. at this point, I see my right was violated by the creditor and the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: FL
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:
Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I called Chase Bank to report XXXX wire transactions that I did not authorize. XXXX was for {$5000.00} happened on XXXX of XXXX that I did not know about and the other was {$4600.00} on the XXXX of XXXX that had a pending status. First of all, I wanted to stop the {$4600.00} right away because it was still pending and i assumed my account got hacked cause i didn't authorized like i mentioned. The agent that was on the phone with me at that time told me that there was no option for him to stop it right away ; that it need to be complete for him to reverse the money. I was questioning him on why it can't be done since it's pending but all I got was a vague answer that it can't be done right now. He then transferred me to the claim departments to make those XXXX claims which I did. 

After i filed my claims with the new agent, I asked him how come no XXXX flag these transactions for me and verify it with me. If i remember it right, he told me they can't flag a wire transfer. He then assure me to not worry, Chase will investigate and refund the money for me if they have proof that it was fraudulent. I questioned him why do they need to investigate for proofs of fraudulent when I'm calling them right away when I saw that {$4600.00} transaction popped up on my online banking and it was still pending. By me calling them right away telling them that I did not authorized that pending transaction is the solid proof that it was fraudulent. He agreed with me but told me just let the claim department investigate and they will contact me about it. He advised me to go to a branch and close my old account and get a new one since it had been compromised. After i opened a new account and closed out the old XXXX, I received an email from Chase telling me that there is a transaction for {$120.00} on my old account and if I authorized it or not. When I saw that email, I was filled with anger ; they flagged a {$120.00} transaction but not for {$4600.00} and {$5000.00}. 

These XXXX transactions were wired to my XXXX  account and then disappeared to a wallet. I called XXXX  about the incident and they replied that the wallet was a non- custodial wallet and they can't recover the money and I quote " This transaction gave the malicious third party access to the funds held inside your XXXX XXXX ... ..where they do not even need a non-custodial wallets XXXX word seed phrase to infiltrate it. ". 

Chase also denied my claims with " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called several times to obtain copies of the legal documents that they obtain the debt lawfully, and they have the original statements that verify the account history/age/first delinquency, etc. They have said every time they sent it but I never received it. It seems to me that they are playing hard to get since there are only a couple of months left until they can not longer report the accounts to my credit report because it's going to be 7 years since I became past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
First Progress has closed my account without my authorization. First Progress has treated me in a discriminatory manner on customer service phones calls. First Progress refused to reopen my account and I have a credit in the amount of {$210.00}. First Progress has not honored their terms and agreements, they charged undisclosed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AR
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2023 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct this accounts : XXXX XXXX Balance Owed : {$34000.00} ; XXXX XXXX Balance Owed : {$34000.00} ; XXXX XXXX Balance Owed : {$34000.00}.

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 2021-02-19
Company: NCB Management Services 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:
On XXXX XXXX, XXXX, NCB MANAGMENT SERVICES ( Opened XXXX XXXX, XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello Sir/Madam last year XXXX of XXXX, I have gotten a home improvement loan from EnerbankUSA to do a roof replacement for my house in the the amount of {$15000.00}. The loan term says same as cash which i never knew how it works since they never provided any information. However it says the payment is not due until XXXX this year, XXXX. Fine so I have set up an automated bill pay in ADVANCE for the monthly {$300.00} on XX/XX/XXXX. At the same time I have tried to contact enerbank to find out exactly what's my exact balance is due. Therefore, I couldn't get a hold of anyone. The website didn't work for me neither the phone call to obtain the balance i needed to pay. Most of the times its 30 to 45 minutes call wait time and the call gets dropped after certain time. Anyway I was making random payments such as {$7000.00}, {$3000.00}, {$2000.00} within one month. Then on XX/XX/XXXX, after so many attempt, I finally got a hold of a live EnerBank customer service adviser. When I asked about the remaining balance he said I still have some small balance left but also there is interest occurred. I asked the associate to take the remaining balance over the phone immediately, which he did and there shouldn't be any balance left on the account. Then I tried to explain to him that's why i called many times to find out the balance but its almost impossible to talk to someone. If there is any interest which unintentionally happened due to the fact not to get a hold of anyone. Then the associate told me that supervisor is in a meeting but he will call me back to resolve the matter. Nearly one month later on XX/XX/XXXX i got to talk to a different adviser in EnerBank, and explained the situation again that i was expecting a call back from your superior but then i never received any call. the she said the same thing supervisor is in a meeting and she will expedite the matter and supervisor should call me the very same day. Unfortunately no one called at that day. Then i tried to learn about the bank and found some interesting facts. That's how they do bad practices in the name of bank. Intentionally they don't flow ON CALLS or correct information provide to the consumer and therefore most of their consumer can go through with XXXX and illegal fees/ interest which is not consumers own fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 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. 
* 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 an 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.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: MA
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 # Account number : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  has violating my rights Account name : XXXX XXXX XXXX has violating my rights XXXXXXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 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

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 2021-03-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Longbridge Financial, LLC
State: VT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started a reverse mortgage application last fall with XXXX XXXX. We have gone thru all the processes for a reverse mortgage and started running into problems with them in XXXX. We own 2 parcels in XXXX VT on separate deeds. The first is our house lot, which we purchased in XXXX, and on which we currently have a Heloc. The second lot we purchased in XXXX from a neighbor, vacant land contiguous to our house lot. Vt State Statute states that contiguous parcels are billed on one tax bill. We had the appraisal for the reverse mortgage done on the house lot only. Since we not only have a separate deed for that parcel but also have a survey for that parcel, the appraiser had no problems doing the appraisal, which we paid for. The other parcel is in a realtor 's hands for sale of at least a portion of it. 
Latest problem with XXXX is that they say the FHA requires 2 separate tax bills, a violation of VT Title 24 Chapter 051 Subchapter 001 and Title 32 Chapter 129 Subchapter 004 ( Grand List of Town ), which Titles combined state that contiguous parcels go on one tax bill. We have sent XXXX copies of the separate deeds and the Statutes. 
I have talked with XXXX XXXX in the XXXX FHA XXXX, which controls the Vermont FHA, who confirmed that the FHA does not require tax bill info, that is something the lender may want. XXXX still confirms it is an FHA requirement. I gave them XXXX 's name and # to call, which they would not do. Their decision TODAY was that they need 2 tax bills, which changes the cost of our property taxes because each parcel would then have a higher tax rate for the 1st 2 acres EACH and is a violation of Vt Titles 24 and 32. So far this application has taken 1/2 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Personal information incorrect

Complaint:
I spoke to a rep at Experian and advised I have been trying to get my name right on my credit report and address I told him I wanted to dispute it he stated the creditor have reported a lot of names on my report that are not tied to anything at this time I also advise I can not dispute it tell me to call he said he would dispute the incorrect names and addresses. He stated it might take 24-72 hours. Less than 3 hours I received an email with updated status to my name and address dispute. They did not relive anything and just advised ne to call again. 
I have 1 name - XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Florida XXXX I want my credit report to reflect my one name and one address. They refuse to correct my credit report and I want this fix now. This is I violation of the credit act and they are using all these names that are not tied to me and my name and address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have reached out to Transunion, XXXX and XXXX regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed Transunion, XXXX and XXXX that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and Transunion, XXXX and XXXX need to comply with the law.

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