BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a vehicle from PRIORITY TOYOTA in XXXX XXXX when I lived in that state in XX/XX/2015. When I originally got the vehicle they told me that my payment amount would be XXXX and some change. At that same time my ex leased a vehicle also and needed a cosigner and they had asked me to co sign on the loan for him. At that time I was only making about 28000 a year and somehow I was approved for 2 auto loans equaling out to over 50k?  With that being said I remember the dealership acting kind of off about my income and I think they falsified my information. Anyways, I was making the payments on my vehicle and I decided to move back to XXXX where I am from because things did not work out with my ex and I. within 2 months my payment raised to XXXX and I was not notified about it at all. When they did that I had not found a job yet and so I got a little behind on payments but when I did finally find a job I went back to making the standard XXXX. payment because that's what I thought it was the whole time and now almost 2 years later I have been playing catch-up with them because they raised my payment, keep charging me fees, and there's some miscellaneous fees on there totaling over 300 dollars. Also, within this time my ex decided not to make payments on his vehicle so I now have that on my credit report as a charged off because of the whole situation. I have called TOYOTA FINANCIAL several times to try and resolve this and they were just rude and blew it off. I now have a XXXX month old baby and am a single mom and my car payment and me trying to catch up is just WAYYYY to much for me. So I am hoping with filing this complaint SOMETHING can get resolved because I feel like that dealership completely took advantage of a young girl.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: PR
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:
Since, XX/XX/2014, I have have this loan that is a fraudulent account. I have called several times but I do no speak good enough XXXX. 
I have been denied credit. I am a victim of identity theft. I have never had this loan. I have no idea who took out this loan. 
I have filed several Police Report with no solution. I am desperate I have spent years without being approved for a lollipop.

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 2018-04-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX VIA XXXX  " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Experian and XXXX, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, 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 2022-11-19
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: PA
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 have disputed XXXX XXXX XXXX on my equifax/XXXX/XXXX  report a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have equifax/XXXX/XXXX  to show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Systems for XXXX  XXXX Opened XX/XX/2019 {$220.00} Placed Collection on Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CITIBANK, N.A.
State: OR
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/XXXX, I used my Citi Bank issued XXXX XXXX XXXX Mastercard to purchase two airline tickets from XXXX XXXX in the amount of {$420.00} per ticket. Upon receiving my XX/XX/XXXX statement, I noticed I had been incorrectly double-charged for both tickets since there were four charges for {$420.00} instead of two. I immediately notified Citi Bank of the unauthorized charges and they opened a dispute claim for each of the disputed charges. Citi Bank also issued a conditional credit for both double charges and I went ahead and paid for the two tickets that I purchased. In XXXX of XXXX, I received a written notification from Citi Bank letting me know that one of the double charges was being officially removed and I would no longer be responsible for that charge. During that same month, I received a separate written notification that the other double charge would not be removed and I would be responsible for paying {$420.00} to cover this unauthorized charge on my account. Following that correspondance, I sent a written explanation of the double charged and requested that this charge, like the previously removed charge, be removed from my account as well. Yet another conditional credit was applied to my account during the dispute investigation. Unfortunately, the charge was re-applied to my account in XXXX of XXXX and as of XX/XX/XXXX has not been removed despite multiple efforts at a resolution via written communication, phone calls, and online chats with Citibank representatives. Citibank is now requesting payment of the {$420.00} by XX/XX/XXXX or I will be responsible for interest charges as well as a late fee of up to {$35.00}. I purchased two tickets and it is unacceptable that I am being charged for three.

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 2024-01-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 I was fraudulently charged {$9.00} for international transaction fee three times and {$300.00} sent through XXXX XXXX. I had received a text from what looked like USPS about package delivery fee. I had another package delayed that made it seem legit. I tried a few times to use the card to pay, but it never seemed to go through. I have no confirmation that it was ever successful. After third try, I went to USPS site to verify the page. It was similar, but not exact. That is when I became aware of possible fraud. Still, without confirmation of any kind, I went on thinking I was spared. Then I found the transactions on my Wells Fargo account. I reported immediately to Wells Fargo and have now received a denial stating these were authorized payments. How do I get my money back. There is no way to contact XXXX  since I do not have an account since Ive never intentionally used that service. Help?

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 2023-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap.

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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 sent your company a letter for an investigation over XXXX days ago and still have not got a response on investigation neither a XXXX-day letter status updated pursuant 15 usc 1681 . If the account has been verified, please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be re-moved. Supply your response within XXXX days or delete the trade-lines. I know your company loves to back date letters to make it seem like you have already sent me these notification, but i want to make you well aware I have an account with XXXX that scans all of my mail & lets me know when mail is coming. I will not hesitate to use this in court. I have done it before and don't have a problem with doing it again. 
I have well enough information to file suit if this is not deleted immediately Account : XXXX XXXX XXXX Account # : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: JPMORGAN CHASE & CO.
State: NH
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:
Attached you will find copies of an appeal I sent to chase in regards to charges from XXXX XXXX XXXX. There is a letter attached regarding the issue. It was first handled through the fraud department and they denied it stating it was not fraud. I never received a letter of the denial which I asked for. The fraud department told me it was a dispute issued. I have sense then appealed it through the dispute department stating I never authorized these charges they denied my dispute appeal I have attached a copy of the denial for the dispute charges. I asked chase to provide me with the information they used to deny my appeal from the merchant three reps I spoke with said they dont have anything on file. I told them I should be able to have a copy of whatever it is the merchant sent them to sent my claim. I tried to resolve the issue with chase and they are no help at all everyone transfers me around and I get diffrent information from diffrent workers. I did not purchase anything from XXXX XXXX XXXX  nor did I in anyway authorize anyone to. XXXX saw that it was all fraud when I contacted them. If someone could please tell me what my options are I would appreciate it. I tried to appeal the dispute and they told me the charges were to far back now. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Called XXXX   XX/XX/XXXX my card was closed out and reisssued they sent me dispute paperwork Called chase back several days after got paperwork was transferred to fraud department and a fraud case was opened Spoke with several people fraud department on XX/XX/XXXX I spoke to XXXX and XXXX emailed XXXX emails from XXXX then on another date XXXX left me a voicemail then spoke with XXXX from fraud Dispute department XXXX, XXXX on XX/XX/XXXX XX/XX/XXXX spoke to XXXX transferd to XXXX he told me to give it two days didnt receive anything Called back on XX/XX/XXXX spoke to XXXX   transferd to XXXX in dispute dept transfered to supervisor XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over XXXX  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : CAPITAL ONE Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening : XX/XX/XXXX Open/Closed Status : Closed Status Update : XX/XX/XXXX Account Type : Revolving Status : Charge-off Balance : {$460.00} Balance Update : XX/XX/XXXX Credit Limit : $ 300 Monthly Payment : - Past Due Amount : {$460.00} Responsibility : Individual Account I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " XXXX '' and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind XXXX of the stipulations within the FCRA, notably : XXXX XXXX XXXX Section XXXX A : This section highlights my right to privacy and the necessity of accurate credit reporting. 
XXXX XXXX XXXX Section XXXX A Section XXXX : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
XXXX XXXX XXXX : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that XXXX will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not recieved a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person hands.

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 2019-05-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I used my Debit card for a {$5.00} transaction. My balance at the time of this transaction showed apx. {$23.00}. 
The transaction was approved and the {$5.00} showed as a " pending '' amount and was subtracted from the available balance in my account. 

The very next day I was charged an overdraft fee for this transaction of {$34.00}. 

As I have stated in numerous discussions with Chase Bank customer service rep.,. if the money isn't available then the transaction can not be approved and processed, but in this instance, the {$5.00} was available therefore the transaction was approved and deducted from my available balance. 

Chase Bank made over 6 BILLION DOLLARS in overdraft fees in XX/XX/XXXX alone because of their dishonest overdraft policy.

Company response to consumer: Closed with monetary relief