BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was making payments on my car loan in the amount of XXXX, when my bill is XXXX. Toyota has been taking that extra money and not applying it the principal balance but instead is holding it. 

Anyways, I went to change my reoccurring payment back to XXXX and toyota took that payment and an additional XXXX. 

I called customer service and they said once it is posted, call back and they can do a refund. 

I did and the lady said I would have to get proof on a bank letter head that the funds were taken by toyota and mail them this proof. Then, toyota will send me a check in the mail. 

This is ridiculous as it's 2023 and then can easily refund me my money. 

I think their financial practices need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MO
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: TN
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:
These agencies are in violation of 15 U.S.C 1692g. They were to notify me in writig 5 days prior. I was not. As the original creator, only I can validate this debt, I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These ageNcies are in violation of Hippa according to FDCPA, I will file a complaint with inappropriate Misuse of my medical information and for deceptive practices 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
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 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 2023-01-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
car purchased in XXXX loan with Truist bank I've been on autopayment since XXXX and was supposed to pay off my loan this month. 
Truist policy : on the last month of a auto loan, the automatic payment is cancelled and i have to manually pay. 
I didn't know this. I was charged a XXXX late fee on XX/XX/XXXX and another XXXX late fee on XX/XX/XXXX. 
I believe this is an unfair and deceptive practice that has led to extra charges, delinquencies and frustration. 
The result is I am being punished and Truist is making more revenue. 
I've been a good customer for then entire loan and have never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: CT
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:
There are several incorrect Accounts on my consumer report. I contacted the XXXX Credit Bureaus about it and it was said that the information is correct and i should contact the XXXX. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my American Express credit card shows a transaction for {$630.00} described as " debit adjustment ''. The CC company is unable to tell me exactly what this is, who the vendor is and I made no such purchase for this amount. I contacted the CC company 3 times -- XXXX XXXX XXXX XXXX. They keep telling me they are looking into it but they don't know how this transaction originated. They have refused to reverse the " adjustment '' even though they don't know what it is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt but it is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My name is XXXX. XXXX in XXXX XXXX I sold my house in XXXX XXXX to " XXXX ''. We met in their offices I asked for XXXX $ which was a little over what I owed the mortgage company. They wrote me a check for the difference I handed over my keys an moved from XXXX to XXXX. A few times after that the bank would continue to take the money out of my account for the mortgage but I contacted the realtor for we buy ugly houses an they fixed it. 
I heard nothing more about the house until I briefly moved back to XXXX in XX/XX/XXXX. Then I found out the house I " sold '' was probably a rent to own an the people I thought I sold a house to stopped making payments. Still at that time I did n't feel it had anything to do with me as I sold that house. In XX/XX/XXXX I heard I was in foreclosure for that house. I received a notice from Nationwide, I sent them a lette saying I sold that house. First problem was since it was over 5 years since I sold it I had thrown away the paperwork from the " XXXX " people. Second problem seems to be no deed was ever transferred, recorded Or in evidence of the sale I thought was completed. I was still listed as owner. 
Despite several attempts to try to tell the I do not own this house have reaped no profit nor made any payments on it since XX/XX/XXXX. 
They are pursuing foreclosure on this house. I now live in Nevada an I do n't know what to do. A realtor friend of mine told me to contact you, please help I feel I have been the victim of fraud with these people " we buy ugly houses '' an feel helpless to stop this. I own nothing, have nothing an ca n't afford a lawyer. Thanks XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 2023-03-02
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX  credit monitoring account shows a hard inquiry using my information to : COMENITYCAPITAL/IKEAXXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry to my credit monitoring account was made on XX/XX/XXXX for a  credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: IA
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:
I called Equifax because my credit score dropped XXXX points in two days without cause. The other two agencies did not show a drop. I called Equifax to ask them to explain why they dropped my score. The Equifax service agent on the phone could not explain why it had such a drastic change. Nothing had changed on my end. Payments were made on time. My balances are lower than the previous month. Equifax could not give me a reason why it dropped. I went online to find out my credit score on their Equifax website and it showed a "? ". I told them even the site showed a "? ". And now, after talking with them, I don't even get the page with the "? '' or the " credit score '' link to where the site should populate and show my score. The " check my score '' link on my site was removed. 

They give me a fictitious score, any score, on their whim without justification nor any answers for their actions. 

My husband pulled up his Equifax account online with no issues. It populates his score through the link that is missing on my site. Identical pages only mine does not have that link. My Equifax online account does not show my score. 
I do not understand why my account dropped XXXX points nor could they give me an explanation why my Equifax website showed "? ". 

I would like an explanation, otherwise, this is pure discrimination. Or, quite possibly, their underhanded attempt for me to sign up for their " raise your score instantly '' propaganda. 

It does not make me happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NE
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:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Just found out today ( XX/XX/XXXX ) that Marcus/Goldman Sachs allowed an outside actor to fraudulently open a savings account with my name and SSN number. Now they are saying that I can not do business with Marcus because a fraudulent account was opened in my name, and it can never be reversed. 

What happened to consumer protection? This should not be allowed by large banks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states 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 non-monetary relief
Consumer complaint received 2015-10-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
so i am once again complaining, i 've done everything and provided everything as requested. all conditions have been met except one ... .my bank statements for 2 months needs an update/missing pages. there is nothing missing, i have even clearly indicated rental income and verify all the pages are correct. i am enclosing copies for you to see to make sure we are on the same page. i have make every effort to play by their rules. please step in as liason and figure out what is happening. there seems to always be something that has to be done " outside of the realm of what is consider reasonable and is required ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: NJ
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-03-29
Company: EQUIFAX, INC.
State: MO
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:
The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: SC
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:
I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE MY INFORMATION WAS RELEASED TO THE PUBLIC DUE TO THE XXXX, TRANSUNION, XXXX XXXX BREACH. THERE'S PLENTY OF UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE ACCOUNTS ARE INACCURATE AND DONT BELONG TO ME AND IS HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM IN THE PROCESS OF GETTING A MORTGAGE LOAN AND THIS IS HURTING MY CHANCES. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY

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 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting 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:
In XX/XX/ Bank of America pulled a hard credit inquiry then issued me a new credit card with a {$28000.00} credit limit. This was entirely unsolicited and without my approval. 

I called them and they claimed they would cancel the card and reverse the credit inquiry. 

This is after their recent fines for t doing the same thing.

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 2023-11-17
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On the day we purchased the vehicle from the dealership, it was strongly suggested by XXXX the Finance Manager that I purchase an additional Vehicle Repair/Service Plan for {$1800.00} ( which he included in the Loan or financed amount ) which was a Pre-Paid service repair plan which I could use for repairs and service on a future date as needed. 
At no time was I informed and categorically advised that I could lose the {$1800.00} as a result to Non-Usage, I was not informed that I had to use the Pre-paid service plan by a specific date, nor was I informed that the money I was agreeing to pay could be lost and was non-refundable. Had that been disclosed to me, I would Not have agreed to finance an additional {$1800.00} which I could loose. The sales agent NEVER informed me of the potential loss of our hard-earned money otherwise we would not have agreed. This is a clear case of deception and exploitation, and I am a senior citizen who was railroaded into buying additional services with a steep price without being properly informed. 
We paid for the service in earnest believing that we could use the Prepaid service anytime we wished. As stated by the sales agent " Enjoy Peace of mind savings when you pay in Advance '' which is what I expected to receive, this purchase was made at the suggestion if not the insistence of the sales agent just before signing the transaction documents. Upon contacting the dealership to get our money back we were informed that the money is not refundable. {$1800.00}! Gone! without being properly informed about what we were being signed up for.

Company response to consumer: Closed with explanation