BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I leased a Toyota XXXX in 2012, XX/XX/XXXXI made payments every monthe. In about XXXX of 2012 They lost a cashier check for {$600.00}. This check remained missing until just under XXXX dos they cashed the ck. They however have carried me a a late payee ever since that date with an acruing act and a negative credit score. I hired an atty to pursue this to resolution,, but they continued to refute the payment. I have not received a statement from them for over a yer. I have continued to make my payment of $ XXXX each mo and inclose a note reqauesting a statement. I di get a hold of someone before XXXX of last yr and he said he would get back to me immediately. I have heard nothing. My else is ending next month and I acannot obtain credit to obtain another car with this on my record.I have all the receipts and the return receipts for the mail sent to them. They will not even reslpond to my attys calls or mine. ''they do not even answer my calls. I would like to resolve this matter This company has not made any effort to clear this matter up..It is like they are getting even with me more challenging their bookkeeping. 
XXXX XXXX XXXX XXXX, XXXX. My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
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:
The company is XXXX XXXX XXXX For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on Equifax that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the Equifax report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am writing to file a complaint against Wise Bank. On XX/XX/2023, Wise Bank initiated a XXXX transfer to my XXXX XXXX XXXX  account, which was supposed to arrive within 1-4 business days. However, it has been 14 days and I have yet to receive the funds. I have repeatedly contacted Wise Bank via phone and email numerous times, but the issue has not been resolved. Furthermore, I have no idea where my funds are, and I can not continue to wait endlessly for them to arrive. 

I urgently need Wise Bank to locate my funds and provide me with a clear timeline for when they will arrive in my receiving account. I have been patient and cooperative throughout this process, but the lack of communication and resolution from Wise Bank has caused me undue stress and inconvenience. 

I urge the Consumer Financial Protection Department to take action against Wise Bank and ensure that they fulfill their responsibility to their customers. I look forward to your prompt response and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: National Consumer Telecom & Utilities Exchange, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I requested a copy of my XXXX XXXX XXXX XXXX XXXX XXXX file. Upon receiving my file on XX/XX/XXXX I saw that there was a service account showing by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX that was charged off in the amount of {$2200.00} I have never had a cell phone that I recall with this company and surely not with a bill for such an enormous amount!!! Also I noticed that is account, is almost 2 years past the Statue Of Limitations and has not been deleted! I'm not sure where this account came from but would like for it to be immediately be deleted from my XXXX file. Looking back I believe this inaccurate reporting may have been the reason i was denied cellular service with XXXX. I tried contacting the XXXX but every time I call they say they're having technical problems and to call back in a hour. 

The account number that's in my file is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
To whom it may concern on XX/XX/2023 I wrote to the credit bureaus asking them to conduct a verification of an account that is being reported on the credit report for ( XXXX ). The account name is : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX and XXXX conducted research and determined that the account was not valid and after investigation removed the account from my report. I myself conducted an investigation and also found the account to be invalid. Equifax did respond back to me stating the account would not be removed from my report after their investigation. 

In accordance to the Fair credit Reporting Act XXXX Account XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: GA
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 am a victim of Ideninty theft, I did not open none of these account and need them remove today. This has stopped me from buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: FL
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 XXXX Account XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: General Motors Financial Company, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed XXXX  XXXX in XX/XX/XXXX, and my attorney advised me to give back my vehicle since it was a bad deal! It was leaking oil & gas, and the check engine light kept coming on after SEVERAL repairs were done! Plus, it had a high interest rate so I agreed. My attorney said he would inform me & GM Financial, on making arrangements to surrender/return the XXXX XXXX. 
They came & repossessed the vehicle on XX/XX/XXXX while the bankruptcy was still active, then sent me a notice saying it would be auctioned on XX/XX/XXXX and I would be responsible for the balance! I did not think this was correct, and I did not like the threat of the letter! My XXXX  XXXX was DISCHARGED on XX/XX/XXXX & my attorney stated I am NOT responsible for any amounts remaining! As a matter of fact, GM Financial owes me for my down payment & money spent for repairs! GM Financial also needs to return to weatherproof mats and logo tag bracket I purchased per the Consumer Rights Act repair Section 23 : Right to repair or replacement!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint that the credit bureaus are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have disputed with the credit bureaus about account XXXX # xxxxxxxxxxxx XXXX all 3 credit bureaus have different date of last payment, date of delinquency, payment history and one has no information this are all inaccurate reporting which is means for DELETION The FCRA requires consumer reporting agencies to maintain accurate and complete files. According the FCRA, you have a right to review your credit reports and have inaccurate, incorrect and corrected and DELETED The credit reporting agencies ( CRAs ) are responsible for investigating, correcting, and deleting incorrect information contained in your credit reports. The credit reporting agencies must report only accurate information. Inaccurate information must be corrected or deleted. The have been given several opportunities to fix the matter but they come back as accurate I would like for this information to be DELETED Please see attached pictures that indicated the inaccurate reporting They have also violated my rights under 15 U.S.C 1681 Section XXXX04 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: GFS II, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX has reported to my credit bureaus stating I owe {$10000.00} this account was fraudulently open. I have no knowledge of this account and would like it removed. I reported 3 times that this account is disputed .the account was opened on XXXX XXXX. Ive been trying to get it removed still I havent and its reporting bad debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Minto Financial dba Minto Money
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I reached out the day before my first installment was due to pay off the loan in full. A representative of the lender explained that they already began processing my payment before the scheduled payment date and that this cant be cancelled and that I will be charged for the full amount of the loan in addition to the first installment. They changed my recorded full payment date to the next day in order to make it seem like I paid in full after the first installment to get more money. This is contrary to what the loan agreement says. I tried to speak with someone from leadership and they explained that they arent available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Spoke to midland credit reacting am old account in my name with an old address where I did not reside at the time of the debt and since stated they had served me documents which I never signed for or received now they have wage garnished me thru my job. Ive requested for them to stop and dispute and they are not helping me all info Is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CITIBANK, N.A.
State: MI
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:
This complaint is regarding dispute XXXX XXXX  with Citi. 

I purchased a software product XX/XX/XXXX. Upon using it and realizing it was not functioning as described in marketing materials that induced me to make the purchase, I requested a refund from the merchant on XX/XX/XXXX. The merchant refused to provide a refund or address -- much less provide support to mitigate -- the issues I found in the software they provided, prompting me to attempt a chargeback via XXXX. XXXX later denied the chargeback claiming the product did not qualify for buyer protection. 

As a last resort, I disputed the chargeback with Citi, the bank that issued the credit card I had made the purchase with. I opened this dispute on XX/XX/XXXX. On XX/XX/XXXX, I was informed by Citi that the dispute was denied in the merchant 's favor despite the merchant failing to address or provide evidence to refute any of my claims. 

I submitted a signed continuation of dispute letter on XX/XX/XXXX. I have attached all communication with the merchant, the dispute resolution letter Citi sent me, as well as the merchant 's response to my initial dispute claim.

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 2019-06-02
Company: Experian Information Solutions Inc.
State: MO
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:
Experian says on XX/XX/29 that investigation was complete ; however I sent additional docs showing that XXXX XXXX was included in a bankruptcy and should be reporting as current. It was included in a Chapter XXXX Bankruptcy, attached is the documentation show ing this information on page 36 of the attached documents showing this account.

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 2023-03-22
Company: EQUIFAX, 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 XXXX Accounts # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our lease with the XXXX a XXXX XXXX property ended on XX/XX/XXXX. We paid our rent through the month in full. We received a move out statement indicating that we were responsible for XX/XX/XXXX rent, which was incorrect. It took several calls to get a corrected move out statement sent showing we owed no balance and we were issued a check for the return of our deposit. Two weeks later we started receiving non stop phone calls from a collection agency IQ Data. We let them know it was incorrect and asked to stop the calls. They refused and in addition to the harassing phone calls, started sending letters. I submitted a dispute in writing by mail and email, still continuing collection efforts. I have reached out to the XXXX and XXXX and been told we have a XXXX balance and this will be corrected, it hasnt been and on XX/XX/XXXX IQ Data turned the collection account to the credit reporting agencies. I have called IQ Data, XXXX XXXXnd XXXX as well as sent several communications in writing and even filed a dispute with all XXXX credit agencies and XXXX, the first to respond did nothing, made no updates or corrections. I have no idea where to turn, no one will help us correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
I strongly implore you to take immediate action and eliminate these fraudulent accounts from my credit report without any delay. I want to emphasize that I did not authorize or initiate these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete 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 non-monetary relief
Consumer complaint received 2022-02-13
Company: CREDIT ACCEPTANCE CORPORATION
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:
XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from Credit Acceptance , asking me to settle the account without sending me the requested material and validating the alleged debt.

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 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid for computer clean up services via XXXX from a guy with the XXXX  name of who has a company name of XXXX XXXX XXXX XXXX ( email : XXXX ) XXXX ( name on XXXX ) on XX/XX/XXXX. He asked for {$200.00} for his services and then claimed that he did not receive the funds when the funds were sent via XXXX. 

I complained to Capital One and they claimed that there was nothing they could do to retrieve the funds because XXXX is a 3rd party entity. Capital One also refused to pursue a second claim because the initial claim was completed and they have decided to not reopen the claim for full resolution. I was scammed out of {$200.00} from a guy on XXXX who probably changes his name after every scam he performs. I also contacted XXXX directly and they have never responded despite a complaint filed and the transaction number that was given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Please see my previous Case Number for - XXXX. 

Capital one said the inquires on my account will be removed but it still hasnt for my XXXX  XXXX XXXX XXXX score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows capital one inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: CA
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 want to unsubscribe to Experian credit report that bills me $ XXXX. I ca n't login because of invalid user credentials. I contacted them 3 times, as early as XXXX XXXX, 2015 to request for assistance but they never replied.

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