BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I bought my dad a certified pre owned XXXX XXXX XXXX from XXXX XXXX XXXX with XXXX XXXX Miles. Right away the cars computer was telling me to check the charging system. I brought the car to the dealer on XX/XX/XXXX my next day off to have them fix the issue and they told me it was normal and sent me away. After that I inspected the battery to find the terminals where so corroded they had an inch of corrosion all around each terminal. So I brought the vehicle back on XX/XX/XXXX my next available day to have them fix the issues and they refused to fix the car because I had my emotional support animals in the vehicle. Since then I have had to jump start the vehicle every day to get to work. XXXX  XX/XX/XXXX the vehicle completely stopped working and I had to tow it into the dealership. So under the Toyota certified warranty there is a XXXX point inspection that I am sure was never done because I would figure the first thing they would check would be the battery. So I was not given what I promised to pay for. The vehicles obviously a lemon. None of the electronics work correctly. It has a major electrical issue. So I spoke to the sales manager and he told me that they would switch the vehicle out for another I choose around the same price and give me a vehicle free of defects like they originally promised. So I go to the dealer with the tow truck the on floor sales manager shows me the vehicles I can choose from that they have in stock and takes pictures of them and tells me he will call me in the morning to let me know what I need to do to get the new vehicle. Yet instead I get a call from another sales manager I had been speaking with about another issue and he tells me the vehicle is ready for pick up. When less than 24 hours before that I have him on a recorded call telling me he would make this right and switch the car out. I refuse to pay the payments on a vehicle that is a lemon and as my rights as a consumer I reserve my rights to fair and just treatment along with not being lied to and coerced. I was in no way, given what I promised to pay for. I was sold a vehicle free of any major electrical issues and I got a car with a bunch of major electrical issues. This is very wrong of a dealer to do to an elderly man in a time of teases ion and a pandemic. I feel very taken advantage of and wronged. This is not how a consumer should be treated or anyone at that matter. Theyve lied up and down about everything and anything and have told me three different things in the tune to where I can not trust a word they tell me. This is a XXXX XXXX dollar loan for a new Toyota I should not be dealing with any of this. I did agree to pay XXXX XXXX dollars for a lemon. I have contacted the Toyota brand headquarters multiple times over this with no resolution and I am hoping you will help an elderly person being prayed upon by this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was placed on an forbearance from my mortgage company Standard Mortgage for XXXX  months beginning XX/XX/XXXX to XX/XX/XXXX with a timeline of 90 days. I was told by my counselor that after the 90 days those missed payments would have to be paid in full. So at that time my husband was out work, so I needed to request for a second forbearance. After speaking to my counselor to extend the time he did so. On XX/XX/XXXX I received an email from my counselor that my forbearance had expired and payments needed to be resumed. No one ever explained how the forbearance works or never insisted that I could make payment arrangements to get caught up. Instead I was sent to my house a letter from Standard Mortgage certified mail that my home would be in foreclosure by the end of XX/XX/2021 if forbearance months which was XXXX months payments was not paid. Therefore I had to move fast and withdraw from my XXXX so that I would not loose my home! Standard Mortgage of XXXX XXXX is one the worst mortgage companies l have encountered and heard of during this pandemic not only now but previous account status has not been been actuate for instant my amortization schedule that is not on schedule today!

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 2023-01-30
Company: W&A Intermediate Co., LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to request a validation of debt. The Debts appear on my credit report, unbeknownst to me, and I would like a full itemized list of procedures that took place and dates of original debt. This would allow me to ( 1 ) verify the information is accurate and I received the treatments listed ( 2 ) Make sure the bills are under my name correctly, including the correct insurance information and billing address ( 3 ) collect information about the collector and the bills being collected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 
XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX XXXX ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX acct. # 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 an 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 explanation
Consumer complaint received 2023-01-30
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report XXXX has my account reported as deceased my whole credit profile has been comprised with information and accounts that do not belong to me please verify that this is account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Heritage Financial Group, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX bought a XXXX XXXX XXXX. 
Finance company -heritage .My health gotten worse, I applied for XXXX While waiting for help I had to stop working, which, fell to slow car payment, which heritage, took car, I got my XXXX Then I tried to get car back, heritage said, they sold car, XXXX I received summons. Went to court, met with attorney in court room hallway, have him paperwork from social security, about me being XXXX, how long I been on XXXX, he took papers said he was moving to dismiss, he said I did not need to meet with judge And he can tell judge, so I left courthouse Amount? You tell me, it differs, even on the summons did not have amount. 
They had no date when this happened, which was XXXX. 

One month later, started phone calls from heritage, collections, she claims heritage can sue, as many times or years to come, as for our court date, they said did not mean a thing, on that court day, 29 years of harrassment. 
They informed me they got a judgement against me XXXX, without me being present? 
And as for notice I didn't get any. They claimed they have right to keep embarrassing me Harrassing, me. I asked to not contact me, they call and hangup, I said let 's go back to court, so I can talk to judge, they said no, I am still on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. 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. SPECIALIZED LOAN SERVI XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2023-10-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was gifted a {$150.00} American Express ecard and can't find anywhere online or in person that will accept it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: PA
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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I signed up a Wells Fargo Bank Existing XXXX Savings Account promotion at the XXXX XXXX branch that required a deposit {$25000.00} or more by Day 30 and maintaining at least a {$25000.00} balance for 90 days after account signup. The bonus of {$520.00} would be credited within 30 days after all requirements were met. The offer code was XXXX. Although I had met all the requirements, I still have NOT received the bonus after signing up for more than five months. 

Here I reported key dates and activities as follows. XX/XX/XXXX ( Day 1 ) - Signed up the existing XXXX savings account promotion in the branch. XX/XX/XXXX ( Day 3 ) & XXXX/XXXX/XXXX ( Day 23 ) - Called the CS twice to ensure the code was applied. XX/XX/XXXX ( Day 29 ) - Deposited {$25000.00} to my savings account. XX/XX/XXXX ( Day 98 ) - Transferred the fund out. XX/XX/XXXX ( Day 120 ) - Bonus SHOULD be credited ( which I didnt receive ). XX/XX/XXXX ( Day 122 ) - Called the CS to inquiry the bonus and I was told I didnt keep the fund for 90 days after deposit. ( *Note : Per the terms of the promotion, I ONLY needed to keep the deposit through Day 90 after ACCOUNT SIGNUP ). XX/XX/XXXX ( Day126 ) - Visited the promotion signup branch, the banker supported my view, noting that I had fulfilled all of the requirements, submitted a promotion incentive ticket ( Ref No : XXXX ). Hence, the banker suggested that the bonus should be post in XXXX business days. XX/XX/XXXX ( Day 159 ) No response nor the bonus received. I called the CS but the banker over the phone told me that I was not eligible for the bonus because I didnt keep the deposit for 90 days ( *Again, the discrepancy is the deposit HOLDING PERIOD, which the bank misunderstood. ) Because the Wells Fargo bonus department misread the terms repeatedly, I had no choice but to file a CFPB complaint. Here I have provided three files : file 1 is the offer ; file 2 is the main terms, where the discrepancy is highlighted ; file 3 is the screenshot of my savings account transactions ; file 4 is the printout of promotion incentive not received inquiry.

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 2023-10-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
What is happening that a family member got all my information from my house and from my XXXX XXXX years ago she opened accounts on different branches that's the way she link to my account I reported to the police more the once but still not solve the problem she make transaction and withdrawals in my account even if I move to another bank she will do the same thing over and over I'm tired of this situation at first I talked to her about it and she totally denied and continues doing it.

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 2023-04-08
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:
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 XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. [ XXXX XXXX XXXX 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, 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 2019-12-14
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:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Home Loan Center, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX, I spoke with a representative about getting a loan with XXXX. The representative asked if he could run my credit. I advised him to only run my credit with XXXX XXXX not with the other finance companies who provided their offers. He said he will notate the information and only run my credit with XXXX. On XXXX, I received an email from another company, XXXX, sending me a notice of adverse action. This email statement shows my credit score of XXXX, which was ran through XXXX. I want to make a formal complaint because I did not give Lending Tree permission to run my credit score through XXXX.

Company response to consumer: Closed with explanation