BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello my name is XXXX XXXX and I've been banking with Bank of America since XXXX. First they stopped my online for {$23000.00} date XX/XX/XXXX. Without calling me they cancelled my transaction. When I called they they asked me to visit the financial center and i visited the XXXX XXXX XXXX branch located in XXXX, MA. The banker called the online people and I spoke to them as well sitting in the bank, I was been told everything has been taken care of now and my account is in good shape, now when I am lying down in bed due to my medical conditions for my both knees replacement I used my online to pay my bill in the amount of {$5700.00} on the XX/XX/XXXX which again they cancelled, Then I tried to purchase clothes using my debit card on the XX/XX/XXXX it got declined. They have closed my online access, my debit card and want me to drag my bed to the financial center. They called me themselves several times through all means of communications. Instead they want to see me in branch with my bed.

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 2023-11-08
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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 604 A 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Exeter Finance Corp.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a USBank reliacard in the mail on XXXX-2020 or XXXX-2020. I did not request this card. After talking to the local USbank, they said it was an unemployment debit card. I did not file for unemployment or ask for this card. I'm worried it has been opened by someone wanting to use my information to collect unemployment benefits. I want this card shut down, but USBank says they can not do that???? Please advise, Thank You 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 non-monetary relief
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please accept this letter because it is very important for me. I hope we find mutual understanding and you will remove and recheck one more time wrong items in my credit report. I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Those accounts I do not recognize absolutely and as for inquires I have never given any permission to any companies. I have never authorized those inquires and accounts. Please recheck and remove them from 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 2022-11-19
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -

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 2023-02-03
Company: EQUIFAX, INC.
State: CT
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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 explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XXXX and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX Equifax has file date XX/XX/XXXX Equifax has Ref # XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Equifax has month of discharge - None XXXX has month of discharge - XX/XX/XXXX XXXX has month of discharge - None Equifax shows address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX Equifax shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US BKPT CT  Equifax shows phone # XXXX XXXX shows phone # XXXX XXXX shows none

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 explanation
Consumer complaint received 2021-09-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, received a call from TD Bank Fraud line : ( XXXX ) XXXX, " XXXX '' told me that there was fraudulent activity about to happen on my checking account. He gave me five ( 5 ) codes to " clear the fraudulent activity ''. On XX/XX/XXXX discovered that {$1200.00} had been taken from my checking account.

On XX/XX/XXXXs, went to TD Bank, opened new checking account / new VISA debit card. Was told that it would be " 3-5 days '' and my funds would be returned to me. I asked how this occurred, customer service said : " I have no idea '' Subsequent staff would then tell me that hacker had disguised his number to appear to be from TD Bank. 

I have spoken with TD Bank on the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, with NO resolution. Each time I am told it will be 5-10 days to resolution, then discover that TD Bank gives itself 45+ days to " resolve '' issues.

Enclosing two ( 2 ) form letters from TD Bank dated XX/XX/XXXXand XX/XX/XXXX denying my claim, asserting that I approved the transactions. Enclosing also statement of the transactions from my TD Bank. I have no knowledge of an : XXXX XXXX, to whom the money was directed. 

During the telephone call, I was prevented from seeing the result of my responding Yes by the hacker. 

It seems to me that TD Bank is deciding in the bank 's favor far too quickly. I am a TD Bank customer since XXXX. I use twelve ( 12 ) checks per annum for rent payments. i pay utilities online using my VISA debit card. Then, I drain my account in one evening to an unknown third party? Inconsistency like this does not raise any red flags with TD Bank? 

The staff members whom I have spoken with at TD Bank have helpful, however, anyone able to authorize any refunding of my funds makes themselves unavailable at all times. When I mentioned my attorney becoming involved, they refuse to reveal a contact person at TD Bank. I was told that : " your attorney will know who to contact ''?! 

Subsequent calls to TD Bank after XX/XX/XXXX indicated to me that the staff were becoming less and less helpful and / or cooperative. TD Bank calls this " customer service ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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 appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there are still an account that needs to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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:
Equifax is reporting inaccurate derogatory information on my credit report. They have not provided applications or any documentation with my signature as verifiable proof. I have requested to have this account deleted without any success. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Reported : XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section six two states I have the right to privacy ( 15 USC 1681 ( section 6 4a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a late payment on a credit card account on an open end consumer credit card 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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to XXXX and TransUnion to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX CO XXXX Balance XXXX {$770.00}

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 2021-01-04
Company: Experian Information Solutions Inc.
State: NY
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 was reviewing my credit report and noticed some un authorized accounts being reported and are extremely hindering. I have contacted the company over 30 days ago and still haven't gotten a solution, nor have I gotten a response. That is very unprofessional and it isn't fair that I have so go through this for something I didn't do. To verify, I submitted a photo of myself holding my ID and a proof of address as well. Please review, verify and remove these negative items from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My husband was the holder of the loan for our mortgage at Wells Fargo he passed away XX/XX/XXXX I became successor I got paperwork for it nobody will get back to me on how to handle this they're talking me to do a short sale for less than what I owe on the property I've lived in this property for XXXX  years I'm not willing to give it up I'm current on all payments but when I gave them my last payment it was not put towards the payment I tried paying XXXX and XXXX 's payment back in XXXX and they refuse payment because I was not on the account or the loan and they are charging me late fees. I need help so that I don't lose my home

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2021-01-04
Company: Yamaha Motor Finance Corporation USA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX a check from XXXXXX/XX/XXXX was sent to Yamaha Motor Finance for {$290.00} as of XX/XX/XXXX the check was still not received by Yamaha Motor Finance at this time XX/XX/XXXXsuggested that I put a stop payment on the check due to it possibly being lost by USPS. 
I did put a stop payment on the check and XX/XX/XXXXissued a letter that was sent to them on this same date explaining what had happened. 
Yamaha Motor Finance stated they never received the letter which I had email it to them on XX/XX/XXXX XX/XX/XXXXXXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XX/XX/XXXX I had also called them to let them know about this. 
I was told by the customer service that it would not be an issue due to that I was ahead on the account. 
I then sent a cashier 's check number XXXX in the amount of XXXX on XX/XX/XXXX to cover the canceled check. 
I called this morning XX/XX/XXXX to verify that they had received the cashier 's check because I noted that my account was not updated. They told me that they have not received the cashier 's check as of this date. 
I still also have not had any statements sent out since the last complaint filed. 
I am not sure what is going on with this company, service is really poor. 
Someone needs to investigate Yamaha Motor Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/ but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXX  Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 and XXXX are reporting an account that went to collections as paid off in XX/XX/XXXX but was actually paid off in XXXX. 

This Collection recording has dropped my credit score again as of XXXX for an account that has been paid off since 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 2023-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX I bought a used car in XX/XX/XXXX and the financing department of the car dealership got financing with Fifth Third Bank. 

I immediately went to their website to sign up for automatic payment for my car payment. I printed off the form, filled it out with my bank info and faxed it back to Fifth Third. 

On XX/XX/XXXX i received a confirmation letter that my auto payments have been set up. 

On XX/XX/XXXX to be sure my payment would be take on XX/XX/XXXX ( my first scheduled payment ) I did a chat on the Fifth Third bank website with their representatives and after some initial confusion ( on their part ) they assured me that indeed my payment would be taken out on XX/XX/XXXX. 

Today I went to the website to check on my loan and was met with IT LOOKS LIKE YOU MISSED A LOAN PAYMENT. 

I have screen prints from XX/XX/XXXX conversation chat I had with a Fifth Third representatives who verified my XX/XX/XXXX payment would go through as it was set up and per my confirmation letter. 

Today I asked for a supervisor at Fifth Third Bank and XXXX got on the line and said my first payment would be made on XX/XX/XXXX and that I could make a payment now and still be on time because of a " grace '' period. 

This bank is nothing but a fraud. I have never worked so hard or spent so much time trying to get a payment made on time. I told them I would be contacting the XXXX of Banks to file a complaint and XXXX said " ok ''. ( I now know it's CFPB ) Please help. I did not give them any payment today because they assured me they were taking the payment on XX/XX/XXXX. I want them to do as they assured me and not lie to me. They need to make this right. If they can lie about my XXXX payment, why not lie about my XXXX payment? Meanwhile they will destroy my credit. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief