BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2021 I spoke with a loan officer with AmeriSave in regards to refinancing my three properties. We agreed on rates and associated costs. When the original documents arrived I noticed the box marked float rate was prechecked. I call the agent and told him I do not want floating I wanted it fixed and to change it. He said it was prechecked to floating to protect the consumer from missing out when rates drop but it also guarantees our original rates even if rates go up. I questioned this the last few months everything they sent me updated disclosures with higher rates. He assured me that it was just the current market but would not be my rate. My rate would be the original rate. Yesterday they sent me notice of final rates and fees of one of the properties. It was higher. They then informed me the others had already closed. When I asked what they closed at the rates were also higher. He now after lying for 2 months that AmeriSave only does floating rates and did not expect rates to go up. He purposely lied and misled me even when I demanded fixed rates and questioned it over and over.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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, 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 2018-04-11
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Used Financing through T.D. Bank in order to take advantage of a buy one get one free deal on a pair of phones XXXX was selling directly. There was a special incentive to use " their '' financing option which I took.

Upon making the purchase I entered my banking account information ( which they can verify the date at which I did ). At that time I paid an initial down payment and setup Auto-draft payments.. or so I thought. 

A few months later when the free interest option was / is going to expire ( XX/XX/XXXX ) I logged into the T.D. Banking portal to check the balance in order to pay the phone off. I discovered there to be almost 300 dollars in additional " late payment fees ''. 

I called and spoke to several representatives about paying the phone off minus the incurred fees since I had not received any communication via email as I signed up for the paperless option. They said they send letters in the mail none of which we have received.

We did not receive anywhere near a responsible amount of communication letting us know something was wrong with our account from T.D. Bank. They had added tons of fees as well as already reported to a collection agency which hurts my credit.

When speaking with agents at T.D. Bank they are completely dismissive and act as if a communication error could have never occurred on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NC
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 appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I sent Credit Acceptance a " Debt Verification Letter '' by Certified Mail # XX/XX/23, asking for detailed " accounting information according to U.S.C Title 15 1692, U.C.C. These are some of the question I asked to be verified : Where is the contract, where me and you signed? Credit Acceptance ( YOU ) signed saying, said money was given to the debtor and by what form was the Federal Reserve Notes ( CASH ) attained by the borrower? Was the money ( CASH ) deposited into consumers bank account? Provide the date and time of the banking transaction? Who is the original Creditor on the account? 
XXXX. TENDER OF PAYMENT ; ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. And ( c ). I have given Credit Acceptance my instrument signed, endorsed and paid to the order of them which they did not accept. Any time I receive and instrument " bill '', a negotiable instrument, addressed to me with my information by law I am the " holder in due course '' and I can pay to the order to anyone per CFR 328, U.C.C 3-301. I have sent their Indenture Trustee ( Computershare Trust N.A ) My instrument with my correct endorsement per the Fiscal Department with a 1099A, 1099C and I just e-file 1099A with the IRS, to the correct person. I have sent letters demanding that their communications be through certified mail as all my responses and correspondences are. I have done an Accord and Satisfaction no response per 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. They charge me a down payment of {$1500.00}. they will not give it back. they refuse to send me a copy of my full contract. I have been asking for several months now. They kept deny me for a loan on a car and ran my credit score down so they could place a higher interest rate. The sticker price on this car was {$10000.00} and they charged me more on the car because of my credit score and the amount of inquiries that had hit on my credit report.

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 2022-02-07
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:
XXXX, XXXX L SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC 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 L SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: RFNA, LP
State: GA
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:
On XX/XX/XXXX, I filed a complaint with CFPB about XXXX credit investigation practices. I have uploaded proof to you guys as well as XXXX that the Debt was paid in full. On today XX/XX/2023 XXXX has come back saying the company verified the debt and that I am still past due when I have provided XXXX proof that the debt was paid and they still reporting inaccuracies on my report. Again I will provide proof here that the debt was paid in full on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a car through Toyota financials and set up my account on auto pay when I received my first bill in XXXX of 2023 like I do for all bills. 

However it appears when I selected my payment date that the system allowed me to select a date that would place me past due. Apparently the bill was due on the XXXX of every month and I set up auto pay on the XXXX of every month. There was no trigger about being late and I did not think through it as this was my first bill. I expected the system to adjust and warn me accordingly just like my other autopay systems do. 

However it appears I was charged a late fee consecutively even though I had set up auto pay and when I called a company for an explanation they said that they are not technical and they don't understand why it was done the way it was. They said I chose the payment date and they don't control if it's past due. However keep in mind the most systems when you set up auto pay warn of such things. Allowing the system to set up auto pay dates without warning of being late is predatory. 

I am asking for a review of my account and the controls in place of letting you be past due when setting up auto pay and for refund on the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America stole the content of my account on XX/XX/XXXX in the amount of XXXX. This account I opened 7 years earlier in my name for the use of paying my mothers bills as her conservator/guardian. BofA had no right to take the money to begin with but they have forced me to send in a death certificate etc. etc.. and I've done it all but they simply ignore me other than telling me to do things, which I've done all of what they've asked. At each step they ignore me and I have to call them again to restart the process. This appears to be a way to make money for the banks or maybe it's a prejudice thing where they are XXXX and I am XXXX and they are simply messing with me. Either way, they had no right to take the money to begin with and now they are only messing with me at every step.

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 2023-01-11
Company: Data Mortgage Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2021 I purchased a home. This home was purchased through a consumer credit transaction. I do not recall such loan or alleged debt from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In or around the latter part of XX/XX/2023, I filed a complaint with CFPB ( XXXX ) concerning a check I wrote on XX/XX/2023, in the amount of {$1300.00} made payable to Citicard as payment on my credit card. Somehow, JP Morgan Chase intercepted this check and deposited it. How and why JPMC came to possess this check, which was not made payable to them, has not been explained ; other than by JPMC executive employee XXXX XXXX, who claimed " it is not their fault. '' Since filing the initial CFPB complaint I have been trying to recover my funds ; however, JPMC ( specifically, XXXX XXXX ) has continued to gaslight and change what they claim they need to repay the funds they illegally intercepted and fraudulently deposited. 

I am attaching the most recent correspondence and contacts I have had with JPMC executive employee XXXX XXXX, which also included contacts my credit union has had with her as well. Bottom line is, JPMC still has not returned my funds ; XXXX XXXX has misrepresented to both myself and my credit union what is needed to return my funds. 

This entire ordeal has become surreal. The conversations both I and my credit union have had with XXXX XXXX with JPMC have been rife with misrepresentations. 

I question JPMC 's business practices and specifically XXXX XXXX 's. JPMC has acknowledged they have no right or claim to my funds, yet they refuse to return them. I am pleading with the CFPB to assist in the recovery of my {$1300.00}. 

I am attaching the most recent and relevant documents concerning this matter. They are self-explanatory ; however, I am available at anytime to discuss this matter with whomever is necessary for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I filed a dispute with net spend regarding charges made on my debit card acc # XXXXclaim # XXXX these transactions were not authorized by myself NetSpend sent my government direct deposit back there was no notification to me and deemed me as no longer eligible for a card, why because I made a legal claim in this dispute I consider a bad customer, so i would like to file this complaint I would like my funds to be placed back to me, if not please give.me your reason for not refunding my funds it's my understanding that the financial system must show that I had knowledge of disputed transactions if this is there position please forward me all information making me a bad customer as well a fraudulent criminal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: PA
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:
following accounts are incorrect, and they are adversely affecting my livelihood. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not

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 2023-10-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I opened an account with an American Express card, all went well until I realized there would be a yearly charge of over XXXX. I called in and asked for the fee to be removed. I was told if I didn't use any of the credit card benefits it would be refunded to my card told. It did not happen. Then I had a XXXX XXXXXXXX and was in the XXXX and XXXX. My family told me there were charges on the account that couldn't be made by me. 
I asked to have those charges removed and all interest that was caused by the amount on my card. Plus the high interest that was raised. American Express then added late fees and over the limit they caused. 
1-fraud charges 2- a fee of XXXX 3- late fees XXXX Over-the-limit fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Hello, I am writing to inform you that the debt from XXXX XXXX XXXX is not my debt. The debt from the company they bought the debt from was a fraudulent account. I have spoken to XXXX XXXX XXXX and they agreed to remove this account from my credit report when spoken to them about this account. They have been harassing me instead. Please remove this account from my credit report. Thank you. If this account is not removed asap I will take legal action against credit reporting company 's and XXXX XXXX XXXX. I will be asking for maximum amount of monitery relief allowed for neglecting to solve my issue that have resulted in major setbacks in my business and personal life due to this fraudulent 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