BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Sortis Financial, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX New servicer per letter from XXXX XXXX ( Loan number XXXX ) on XX/XX/XXXX will be Sortis starting XX/XX/XXXX. To date I have not received any official letter from Sortis. ( Sortis Financial Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. I have had a housing counselor since XX/XX/XXXX ; he called Sorits last week on XX/XX/XXXX and was told that my mortgage had not been transferred yet and the information was not in the system ; therefore he could not verify my original loan information : {$120000.00} and payments are {$1100.00}. I was advised to wait until he talked with Sortis before sending a payment. I got a call from my homeowners insurance agency on today stating that Sortis wanted to escrow my account ; but I have not heard from Sortis officially. 
Spoke to my homeowner policy agency today. The caller to my homeowners policy agency was XXXX XXXX from XXXX XXXX XXXX XXXX or Sortis, at XXXX. They wanted to escrow my account, but they only wanted to pay the only the balance of the account ; not for a full year ; they were going to overnight a check. Still I have not heard from them and I told my homeowners policy agency not to make any changes. 
I contacted my housing counselor and he was in touch with Sortis and they said they acquired the loan this past Friday, and that is why I had not received anything from them yet. They said my new loan number will be # XXXX. They told the housing counselor to call back in a few days and they will start modification procedures. 
I am concerned because : # 1 Sortis called my homeowners insurance policy agency before any official paperwork was sent to me ; # 2 XXXX said the loan was transferred on XX/XX/XXXX but Sortis said they did not acquire it until XX/XX/XXXX. 
I will continue to work with my housing counselor and would like to get a loan modification with a lower interest than 11.2 % and payments less than the {$1100.00} that I am paying currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX  Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX  Account Number:XXXX   Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX Account # XXXX Date Opened:XX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   XXXX  has birthdate incorrect as XX/XX/XXXXTransunion Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} Transunion Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  Transunion has my named misspelled as well 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 2023-05-18
Company: MARINER FINANCE, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX XXXX ; I would like to make a case a complaint against this company Mariner Finance. They sent out a letter with a check in it. My mother and I have basically the same name and live in the same house. I dont see the mail because my mom and dad are retired so when I come home my mail is in my area to received. I placed the check in my account and did as usual. When I can time to pay the check back, I downloaded the account and called the company to set up everything to come out of my bank account so I could build up my credit. Well, I found out that it belonged to my mom. I informed the company that this was a honest mistake. Could they just transfer it into my name so I could pay it. They stated they needed a statement from my mom, which she wrote and we both signed stating she knew nothing about the loan and didnt want a loan. My mother is XXXX XXXX XXXX. I was trying to build up my credit so I can get married this year and buy a house. They told me I had to get a loan to pay this loan off then pay that loan off. I told them I wasnt going to do that. So while going back and forth with headquarters and the branch office they wouldnt allow me to make the payment until they say that was going to transfer it over. I also told them Im the one trying to get the credit not my mom. Why would I make a payment in her name when she didnt sign any papers, there was not ssn number on the paperwork. I wasnt going to do that either. Then the manager XXXX XXXX stated that she could get me for Fraud and tried to intimidate me to pay it. I called headquarters again and stated what was said to me. Im more afraid of XXXX than any man. I try my best to not be in a situation to lie. It was an honest mistake. My divorced name is XXXX, I was born with XXXX as my last name just as my mom. So I had to borrow the money from my partners savings for our house to pay it back. Instead of them allowing me to pay the {$3500.00} back they charged me {$3700.00}. My account for this company was XXXX. Can you please help me recover my money back. All I was trying to do was build up my credit to get married and buy a house. Very heartbroken of trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 We tried to buy a miniature XXXX from www.okayschnauzerscom. The text to us indicated to send payment of {$970.00} to XXXX XXXX through XXXX from our bank. We sent this to the wrong email XXXXThe proper email was XXXX.The disbursement receipt transaction # XXXX shows this is known as XXXX and was sent. The name is actually XXXX XXXX.So not only did we send the wrong email but the wrong name. We notified the bank and the said the funds are not recoverable even though both the name and the email was incorrect. What puzzles me is this {$970.00} was received by XXXX noted on the disbursement receipt. Most likely the same person with a sub account. Chase bank indicated they could possibly do a courtesy reimbursement but then denied this.The business address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. I researched this address and it is located on the inland canal and for sale. Nothing was noted about any kennel.These people wanted us to cancel the payment which is impossible and send a new one.This appears to be a huge scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert through XXXX XXXX notifying me that I had a new card on my account. I knew I did not apply for a card anywhere and the card says it was for XXXX XXXX I then received a paper statement in the mail showing what purchases were made and the location. I don't even have a XXXX XXXX near me or did I open the card when I have plenty of other cards. I am also a XXXX year old women who would not buy a ton of mens suits and jewlery.

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 2020-11-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A couple of years ago, I was making purchases on the Wayfair site, and was offered a Wayfair credit card. I accepted the offer, and opened an account. Recently, I was advised by Comenity ( the bank that facilitated the account ) that the account was being converted from a Wayfair-specific account to a general purpose Mastercard. I received the new card, activated it, and used it for a couple of online purchases. I paid the balance in full. 

When checking the account via their online portal, it reflected a XXXX balance, with a credit limit of {$3500.00}, but the available credit reflected {$0.00}. I submitted an inquiry via their secure mailbox on the site on XX/XX/2020. I received a response on XX/XX/2020 advising me that the account is " temporarily suspended '', and that I would need to call a toll free number to get further assistance. Upon calling the number, I was prompted to indicate whether or not I was over fifty years old ( yes or no were the only options - no other opportunity was presented ). When I indicated yes, I was connected to what I initially thought was a live person ( there was a pause for me to respond to a question regarding the connection ), but soon realized it was an automated recording of a pitch for a " free '' medical alert button. It went on in great detail as to how expensive these buttons could be. I soon disconnected the call ( not being interested in the sales pitch ), and attempted to redial the toll free number. Each of the subsequent three attempts resulted in a failure to connect ( I received a message that " the number you have dialed is not available from your calling area '' ). 

I went back to the secure message service on the Comenity website, and responded with the results of my attempt to contact them via the toll free number previously provided ( this message was sent on XX/XX/2020 ). I expressed my concern that this " temporary suspension '' was simply a ploy to sell me additional unwanted services. 
I advised that if I did not receive an update on the status of my account, that I would be filing a complaint with the CFPB. 

Today ( XX/XX/2020 ), I received another response via the secure message service that was pretty much identical to the initial response, and it stated that I needed to call the same toll free number. 

I am concerned that this particular institution is attempting to take advantage of potentially less financially savvy older customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
been a victim of fraud have numerous inquires on my report that was dismissed and then added back years later contacted Transunion and XXXX they asking for another police 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 2021-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2012 a credit card was opened using my name without my knowledge, When I explained all of this to XXXX  XXXX they didnt do anything and sold my debt to a company called portfolio recovery associates 7 years has passed since that and the SOL is up. I disputed this with XXXX  and it was deleted. However it appears that theyve returned said debt back to my credit report under a new account. It is illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote Equifax, XXXX  and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am a natural person ; consumer. I am aware that this company is attempting to coerce me into paying an alleged debt I do not owe furthermore violating my federally protected rights. Please review the attachment to see my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Dear Madam/Sir, I currently have a mortgage and a HELOC with TD Bank. To benefit from the lower interest rates, I wanted to re-finance my mortgage and found a lower interest rate through XXXX XXXX XXXX in XXXX. With the new interest rate, our monthly payments will be approximately {$1000.00} per month lower. We locked in the new rate and completed our file, with everything good to go. XXXX XXXX XXXX got in touch on XX/XX/XXXX with TD Bank to secure the subordination of the HELOC. Since then, TD Bank has been unresponsive, except one email they sent on XX/XX/XXXX, asking that a check of {$220.00} be sent ( without specifying to what address the check is to be sent to ). Despite various reminders from me as the consumer and from XXXX XXXX XXXX, TD Bank has been completely silent - see attached copies of emails to this effect. As a result, we are at a risk of losing our lower interest rate. ON XX/XX/2021, we had to pay {$3000.00} to extend our rate-lock in ( and not to mention the {$1000.00} we are losing by not having the lower rate ), still while waiting for TD Bank to respond. When I call TD Bank and get managers on the phone, they consistently say the subordinations department does not have a phone number and the managers themselves can not reach them. I am at my wit 's end and can not believe that a financial institution like TD Bank is able to essentially hold us hostage. 

I am happy and ready to provide all details ( account numbers, copies of emails ... etc ). 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am going to pursue legal action I have not received a response to this computer generated message I am trying to access my funds and when I link a new bank card and new bank account it says cant link and contact support. But when I contact support they tell me to link a new bank card and new bank but I assume theres a restriction on my account since its closed I am trying to retrieve my funds and I need my account and routing number linked to the XXXX XXXX account for this Cash App account so I dont continue to have this issue and I can stop ACH payments from coming to this account someone needs to really examine this!!! 

My name is XXXX XXXX Cash tag $ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I left the corporate world to join the world of education because I believe that public school instruction is one of the most noble things you can do. After a large pay cut as a result of this decision, I decided to go back to school and obtain a XXXX XXXX in XXXX XXXX. In order to do so, I had to take out several student loans. Afterwards, I accepted the opportunity to put my loans off until I was in a position to pay them. The process resulted in several lates as a result of the deferments. I was later offered an opportunity to take part in a rehabilitation program to get my loans on track. I was told by the Department of Education and by Navient/XXXX XXXX that one of the benefits of joining the rehab program is that my late payments would be removed from my credit report since I would be consolidating my loan ; otherwise, I would have a TON of late payments and several listings on my credit report. I quickly agreed. I have completed the rehab program and now they are refusing to remove the lates and old postings from my credit report! This is impacting my score greatly. I have reached out to the CEO of XXXX XXXX/Navient and to the Dept of Education and no one will listen! I have over {$180000.00} consolidated in student loans under one listing, which is right, but then, there are a TON of old accounts - all with SEVERAL LATES. How am I suppose to move on with any form of quality life if my credit is destroyed as a result of this? I feel that I was completely misled. I am the primary caregiver for my XXXX XXXX XXXX mother who now needs special accommodation in her home since her XXXX. How am I supposed to reestablish credit and support her needs and mine if my credit is destroyed. I have lost all faith in the student loan process. When my students ask me about going to college and getting a student loan, I absolutely cringe at the thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX XXXX {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a secured credit card with SELF XXXX XXXX They have closed my account and my balance was paid off, now they are holding my security deposit and refuse to send it back to me, I have verified everything with the documents they requested, i have contacted them over 15 times and keep being told its being reviewed, Well they closed my account and now i have a zero balance and they will not release my money, Ive verified my idenety 4 time, verified my payment method, when i paid my bill... there is nothing else possable i can give to prove my anything, i just want my refund which is around 1000 dollars after my balance was paid.

Company response to consumer: Closed with explanation