BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-06-04
Company: EQUIFAX, INC.
State: IL
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 informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XXXX Company- XXXX  XXXX XXXX XXXX Company XXXX XXXX XXXX  XXXX Company-XXXX XXXX XXXX date XXXX Company- XXXX XXXX XXXX Date- XXXX Company-XXXX Financial Date- XXXX Company- XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries ) Company- XXXX XXXX Date- XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
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:
THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS

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 2018-12-28
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/2014 a sales rep by the name of XXXX from XXXX XXXX came to my address at XXXX XXXX XXXX XXXX XXXX AZ offering cheaper cost of electricity if we went XXXX.I agreed, but i was never told that I would be purchasing this solar panels the rep said it would be a lease. turns out the the Solar Panels where installed on my roof but the have never worked not even one day. the company ( Sun Trust Bank/ XXXX XXXX XXXX ) i even paid them a total of 14 months a pyment of {$110.00} every month till i felt this was really wrong.they still been harassing me sending me dept collection letters, they did big damage to my credit, Ii had called the sales rep XXXX on XX/XX/2014 to complain, he had told me that the Solar panels where going to be removed and I would be cleared its been 4 years and the issue continues. I even tried to refinance my home but I couldn't due to the collections I have with burro. I really need help to get this dept of my back im getting charge for something I never had. 
ps : the last four of my social sec # XXXX computer keeps changing 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 explanation
Consumer complaint received 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, XX/XX/XXXX I sent Portfolio a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent XXXX, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On XXXX, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
With PayPal, I tied to use the credit account that I have with them through their site, of which I was logged into. They declined my transaction using their credit by stating in a later email that they were unable to verify me, but had no issue in using another payment source without this verification. Which states to me that I am not carefully verified when signing into there site with my personal banking account attached, and need additional verification. The site didn't request any additional information for verification, just flatly declined my transaction and therefore would not allow me to use my credit account allow approved. This is a very deceptive practice, feeling like a bait and switch, as this credit usage would have allowed better financing terms and conditions of no interest for 6 months. Very upset with this.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

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 2020-10-12
Company: Dovenmuehle Mortgage, Inc.
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: Account status incorrect

Complaint:
To whom it may concern, My mortgage loan is with with Dovenmuele Mortgage - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by Dovenmuehle. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed Dovenmuele six times regarding this error. 

The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my Dovenmuele mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. Dovenmuele has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} XXXX this was the amount transferred to the new mortgage company ). Additionally, Dovenmuele has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020. 

I have contacted Dovenmuele regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and Dovenmuele still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, Dovenmuele has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with Dovenmuele has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.Dovenmuele is breaking the law under The Cares Act and refusing me an accommodation that is  being provided to so many other patrons. 

I am requesting that Dovenmuele send a correction report in the areas mentioned above to the 3 credit bureaus XXXX, XXXX and XXXX as soon as possible so that my credit report may once again be in good standing. 

Thank you for your support in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: OH
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 apologize but I dont have exact dates but over the past 3 months Ive had issues trying to get a loan for a vehicle as well as hiring a 3rd party to repair my credit. for whatever reason Equifax has no record of my credit history yet the other 2bureaus have no problem w my report as far as providing it. both the car dealership and third party credit repair informed me that I needed to comtact equifax and find out why my report is not provided. Ive called 4 times now and been on hold for atleast 35 min ea time only to try to find out why I have no report only to be either put on hold or told there is no problem yet still when I sign on to myequifax it comes up showing I have no information at all and Im tired of being lied to and given the run around. im not able to do anything due to them not fixing this issue which there saying isnt a problem. the few times ive gotten far enough to speak to a rep they ask me wrong questions to verify my idenity. i am just curious and deserve to know exactlY whats going on. ihave disputed several issues with them and I get emails saying there resolved and to sign in to see the results. well thats a joke because it shows i disputed 7 items but they dont have any results and when i attempt to download my results it shows there are none? im thinking maybe when there system was hacked my info was taken or deleted or something. ive had credit reporting for over 40 yrs now and they have nothing to report? im XXXX and there is nothing on my report yet XXXX XXXX and XXXX altho wrong info is on my report they still atleast have me up to date on there reports and I can physically see my reports and theres no issue when I apply for credit as far as the lender being able to pull up my reports except for equifax. im done waiting on hold as they use covid 19 as there excuse as to wait times and im also done trying to understand the broken english of there reps as well as once they cant figure it out just disconnectjing me. can I file suit against them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX and I, XXXX XXXX, purchased a XXXX XXXX XXXX XXXX XXXX VIN : XXXX from Toyota of XXXX. I made a down payment. We were financed for the vehicle through Toyota Financial Services. 

On XX/XX/XXXX I caught XXXX engaging in XXXX with another person. The personal relationship dissolved or ended. I repossessed the vehicle. 

On XX/XX/XXXX XXXX apologized and reconciled so I returned the vehicle to XXXX. 
On XXXX the XXXX, XXXX XXXX continued engaging in the cheating, lying, and trickery to obtain the vehicle. 
On XX/XX/XXXX XXXX did not pay the first payment {$370.00} and did not pay any money toward insurance coverage for the vehicle. 
On XX/XX/XXXX I filed a Civil Plenary Complaint in XXXX Circuit Court 4. ( Attached ) On XX/XX/XXXX Court ordered XXXX removed from the vehicle and full ownership awarded to me. ( Attached ) The court determined that the debit obligation exceeds the market value of the vehicle. 
On XX/XX/XXXX I put check # XXXX in the mail for the initial payment. 
On XX/XX/XXXX I called Toyota Financial Services to remove XXXX from the Retail Sales Contract. They refused to remove XXXX from the contract. They said they can not remove XXXX from the contract nor abide by the courts order. They refused to refinance the vehicle in my name only so that I may get the vehicle Titled and plated in my name only. Toyota Financial Services are taking initial steps to repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I began receiving calls from an unknown number on XX/XX/2018. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/18 she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated XXXX XXXX XXXX or XXXX. He proceeded to tell me that Bank of America was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which XXXX Bank of America would proceed with a lawsuit. I stated that I would like to speak with Bank of America and he said he could not provide any contact number for his client. I advised him that I would still be contacting Bank of America. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/18. The debt I had from Bank of America is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number XXXX XXXX XXXX XXXX, it comes up as the number to a property manager. When I look up the business name they gave me, AXXXX XXXX XXXX, no business comes up, only the definition for 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 2019-03-24
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX I opened a KeyBank checking account ( KeyExpress CheckingAccount Routing Number : ending in XXXX ; Account number : Ending in XXXX ) using promotional coupon code " XXXX ''. I funded that checking account with an initial deposit of {$50.00} ( XXXX dollars ). 
On XX/XX/XXXX I contacted KeyBank by phone and requested to close that checking account. The KeyBank representative stated that she was unable to close the account due to a " pending transaction ''. I found that an unusual reason not to close the account, but I agreed to call back at a later date, once the pending transaction had cleared. 
On XX/XX/XXXX : I contacted KeyBank by phone and once again requested to close the checking account. I was transferred to a representative named " XXXX '' who posed several barriers to me closing the account. She used several tactics and tried to coerce me not to close the account. After several minutes on the phone, I insisted that I wished the checking account to be closed immediately. " XXXX '' then said that I would be charged a fee for closing the account. I disputed that claim since the terms and conditions that I signed upon opening the account didn't contain that information. It seems that charging customers a fee for closing a checking account that has been in good standing, without any derogatory marks or transactions, would be an illegal act. At the time I asked to close the account, the available account balance was {$50.00} ( fXXXX dollars ). 
Several days later, I received a check from KeyBank for the remaining funds in that checking account : {$25.00}. Therefore, KeyBank kept 50 % of my initial deposit as an arbitrary fee ( and as a way to punish the consumer ) for closing the account.

Please assist me in recovering the {$25.00} I'm still owed by KeyBank. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-24
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: Public record information inaccurate

Complaint:
XXXX, XXXX and tranunion are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.

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 2019-03-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax, XXXX  and XXXX  are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill for an account that was closed and I sent a debt validation letter to gather information and did not received any veritication letter response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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