BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: World Omni Financial Corp.
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:
My credit score is being affected by a charge made by South East finance Toyota after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department of south east Toyota, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: SANTANDER HOLDINGS USA, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: RoundPoint Mortgage Servicing LLC
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Round Point Mortgage LLC assumed servicing of our loan XX/XX/2023. At that time I had a perfect payment history. Despite making my payment to Round Point LLC each of the subsequent months since, they have continued to report foreclosure started each month to XXXX. Each month I have had to contact them and file a dispute with XXXX. This is the 3rd consecutive month they have falsely reported my home in foreclosure. Their negligence in accurately reporting our mortgage as an open, active, current, and never delinquent has caused my and my wifes credit scores to drop damaging our good credit. 
See attached files. Round Point states this is an issue they are having with 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 2022-12-20
Company: EQUIFAX, INC.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
On XX/XX/2022 I checked out of the XXXX XXXX XXXX using my Navy Federal XXXX  XXXX  Credit card ending in XXXX with the card name XXXX XXXX. The total charge upon check out was {$11000.00}. This charge posted on XX/XX/2022 to my statement and was paid. Subsequently, on XX/XX/2022 this charge reappeared on my statement with the same transaction date of XX/XX/2022 for the same amount. After noticing this and calling the bank, I was told that it must have been a hotel error and that this charge could NOT be removed while investigating. The hotel only sees one charge. I've only been to XXXX ONCE and I did not make this XX/XX/XXXX charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
To whom it may concern : I submitted the evidence of homeowner insurance after I received the first notice for insurance information. However, I received the Second and final notice Please provide insurance information on XX/XX/XXXX ( Exhibit A ). 
In the letter, TD Bank states that the insurance information I provided was received but unable to verify the coverage from XXXX. I went to the TD branch at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and was told by manager XXXX to email and mail the proof to them. I mailed a copy to TD Bank Loan Operations XXXX XXXX XXXX XXXX Department TD Bank N.A. ( Exhibit B ). I called TD Bank at XXXX XXXX XXXX XXXX and was told to email the proof of insurance again which I did on XX/XX/XXXX ( Exhibit C ). 
The documents I sent again contain the following items. I purchased the house on XX/XX/XXXX and purchased one year of homeowner insurance. I provided TD Bank with the Policy document along with company information. They can verify with the insurance provider. The document is sufficient to prove that I have insurance coverage for the period XXXX which is provided and confirmed by the insurance company. ( Exhibit D, E, F ) However, I received a letter stating I need to pay for the insurance period XXXX and the total amount will be divided and added to the monthly bill in one year which is XXXX {$130.00} ( I did not have any escrow account with TD and I only pay for the interest and principle ). ( Exhibit G ) I do have insurance coverage from XXXX and they still charge me {$130.00} for that period. Please refund the money and cancel the rest payment for insurance coverage from XXXX. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: NY
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 feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
Please see the attached documents to understand what had happened.

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 2021-06-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I received a letter from Ally Bank dated XXXX. The letter stated that I have to pay {$2800.00} by XX/XX/2021. I can not pay {$2800.00}. I receive Social Security retirement income in the amount of {$800.00}. I can only make my car payments on the XXXX of each month, I get my social security check on the 3rd Wednesday of each month. I accumulated a lot of late fees because of the pay date set by Ally Bank which is the XXXX day of each month. When I was working a regular job and getting paid more money, the XXXX day of the month was fine because I was getting paid every two weeks. Now that I receive monthly income in the amount of {$800.00} it is very difficult. I conveyed my situation to the reps at Ally and asked for help, just like their letter and website suggested, but was told they could not help me because of my delinquency. I would like to either have the delinquent fees waived or placed on the end of my vehicle loan. I would also like to have my loan due date changed to the XXXX of each month.That would help me out a lot. I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021 ( file ID # XXXX, but I have not received a satisfactory response. I received an email response from XXXX @ Ally Bank on XXXX. I did however speak with XXXX ( no last name given ) @ Ally Bank on XX/XX/2021. She stated she would look into my complaint I filed with the XXXX. She said that I am 16 payments behind minus the late fees and I owe $ XXXXHowever, when I go the their website to make a payment, my account shows that I owe 10 more payments. Still my concerns have not been addressed. I have since made my car payment on XX/XX/2021. XXXX with Ally Bank can be reached at XXXX XXXX XXXX XXXX Opt XXXX, Opt XXXX  ext. XXXX. You can contact Ally Financial, Inc. @ XXXX, MI XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2023-03-16
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-03-16
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-17
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have called Navient XX/XX/2020, XX/XX/2020, XX/XX/2020. They have used my Social security number and birth date to get XXXX XXXX 18 loans. Navient sent me to the Fraud department they want me to file a fraud report, but as I was speaking to a woman from Navient on XX/XX/2020 her response was Navient made a huge mistake and it's a serious one. I said yes it is. So I made the report on XX/XX/2020 I spoke to a XXXX from the Fraud department with no other identifying information, he refused to take the report number and state police reporting number which is XXXX and his name is XXXX XXXX. I told him what the lady had told me about how Navient made this huge mistake. And I did not think it was fraud at all. This woman does not know me, I do not know her and there is absolutely no way for her to get my information. This debt totals XXXX dollars. XXXX placed me on hold and put me on with a manager of Navient which she was laughing when she answered the phone s her and XXXX talked before she got on the phone. I explained that carrying out illegal actions is not funny! She refused to work with me as well. I told them I had spoken to an attorney. She told me that Navient took XXXX XXXX 's name off my social security number and birth date and placed mine on this debt. I advised her that this was illegal to do. A loan or server can not just take someone's name off a debt and put someone else 's name on it! Period! This is a legal document you have to have consent or wrote out another loan and go through the process. What Navient did by taking XXXX XXXX 's name off a binding document and placing my name on it is extremely illegal can't happen that way. Thus has caused so much damage to my life. But XXXX XXXX is getting a free education by the looks of things. But not on my watch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with the promise for {$200.00} bonus so long as I met requirements which I did. Waited for the funds to post within the recommended 3 month window. Called customer service and they asked my for a coupon code which I never received more did it say I needed one only requirements mention was a direct deposit of a minimum {$500.00}. Customer service told me to go into a branch that they could not help me. Went to the branch and the branch told me the coupon code had to be entered within 10 days of opening the account also never mentioned I feel lied to and am absolutely disappointed as I went as far as to move all of my Accounts and deposit to Chase bank and Did not receive my {$200.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
They hit my credit score XXXX  dropped it by 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 2023-03-03
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation