BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
After recently reviewing my credit report I notice several inconsistencies regarding the ( XXXX  XXXX XXXX XXXX ) in the ( DATE ) & ( PAYMENT STATUS ) section. All three Credit Bureau are reporting ( CURRENT Payment STATUS ) with payment inconsistencies .XXXX  is reporting late payment for the XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. Disputes resulted in the ( REMOVAL MISSED PAYMENTS ). TransUnion is reporting late payments for the XXXX XXXX  in XX/XX/XXXX with ( MULTIPLE LATE PAYMENTS ). XXXX  is reporting late payment for XXXX in XX/XX/XXXX, also with ( MULTIPLE LATE PAYMENTS ). After several disputes & reinvestigation, the inconsistencies of ( XXXX XXXX XXXX ) can not be accurate. All three credit bureau LATE PAYMENT, DATES & DISPUTE results can not be accurate. These accounts appear to be furnished by the same server so why is the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please delete this erroneous inaccuracy from my credit report immediately. 

Thank you. 


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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-07-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I purchased a vehicle in XX/XX/XXXX! After the down-payment, we financed {$23000.00} dollars! We got a 72 month loan whereas after the loan was paid in full, the amount that was supposed to be paid to satisfy the loan was approximately {$43.00}, XXXX which included the finance charge! Maturity date should have been XXXX, instead, we are still paying this loan with a changed maturity date of XX/XX/XXXX and paid well over {$63000.00} dollars! The problem is 1st, Santander Consumer USA has continually changed the Maturity date of this loan, we've made over 100 payments and after questioning them about these over payments the explanation is not understood! We need immediate assistance in this matter! They've continually changed the maturity date prolonging the pay off even though we've always made more than the amount due where as all over payments went to finance charge and or intrest! It appears this loan will never end with them continually every month changing the payoff amount and date! 
Please help ... 
XXXX and XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My second stimulus check for {$600.00}. was scheduled for XXXX deposit. The money was deposited into an closed acct. that was not mine. # XXXX. I had to contact the IRS on XXXX XXXX and they recovered the {$600.00}. and told me they have to mail it to me and it would take 5 weeks and I still waiting for it. Now, they sent me my XXXX. stimulus and it was schedule to be deposit on. XX/XX/XXXX into that same # acct. XXXX which is not my acct. My acct. # XXXX which I closed onXX/XX/ So, I need someone to look into this matter and close out the acct.XXXX. Now, I have to contact the irs again, so they can recover the check and mail it to me. I just received my new card. So, I'm requesting that someone look into this matter and close out that acct. XXXX. If you need to contact me. ( XXXX  ) XXXX Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: FISERV INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a security freeze on XXXX XXXX and it hasn't been placed on and it has been 2 months.

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 2021-11-05
Company: Open Dealer Exchange, LLC
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:
700Credit/XXXX  has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the XXXX team. 

Be weary of car sales people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: World Omni Financial Corp.
State: AL
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:
Southeast Toyota Finance was asked to verify a debt owed within 30 days and they failed to do so. This means, the account should be deleted from my report. 

Southeast Toyota Finance has sold this account to a debt collector whom I pay {$50.00} a month currently. 

They do not own this account but is reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal all day me my wife been trying to add debit card to her account to pay bill due today Pawn Shop.Because of Paypal will Not take infomation so we can pay today XX/XX/2020 ... .Fist it was XXXX XXXX putting Stupid Security Protection.Well paypal is charging us {$1.00} to add our Debit Card an putting it on Hold.Well that is wrongfully XXXX XXXX.Paypal needs to be counted for us loosing laptop in pawn shop being Jerks they are.Then make us log in get code they will not take card like i done couple days ago no problem and paid for XXXX items.Now my wife tried to do samething paypal giving her so much grief.My wife can not take this XXXX she has XXXX XXXX on her XXXX   it could Burst an die because paypal and XXXX XXXX from XXXX/XXXX with Blocking us with Security Monitor i ask for them to take off we don't live in XXXX Arizona in Utah..Paypal will Not let me add my New Address update because it is GENERAL DELIVERY, funny XXXX let me due it.I just bought many items from XXXX in last 2-3days my address was General Delivery an paypal let me add Credit/debit card within seconds to pay with.But it ask to save i didnot put check mark in.But i did anoughter Trans action, Well Paypal had my Debit Credit Card on file when they suppose to Delete it an Not Save it as i ask ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX of 2020, we traded in a vehicle that had been financed with NC XXXX. Despite that, they reported our loan as delinquent from XXXX of 2020, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked XXXX to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.

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 2020-11-19
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Loss mitigation drafts from insurance company sent to Mortgage holder for countersign and return for {$7000.00}, {$720.00} for repairs to property, originally sent in XX/XX/2020, and have had no return or contact from Mortgage holder, additional information regarding work appraisals submitted as requested in XXXX/XX/XX/2020, and still no return of funds as requested, document relieving Mortgage holder of lien against property not returned as account from service provider has been sent to collections. They are responsible for lien/negative credit reporting initiated against complainant.

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 2020-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter a month ago, got no reply so i sent another letter by certified mail to try and get these inquiries off my credit report. I still havent heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: SC
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 belive there was some dispute during XXXX divorce that equifax is not forgiving for some reason and they have'nt been given me an explaination for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was behind on my mortgage after having a baby. I was owed an escrow check from Freedom Mortgage for XXXX. They informed me once I was current on my mortgage that the check would be issued. I get paid once monthly and recieved my check XXXX XXXX. I called Freedom Mortgage and got current on my payments through the end of XXXX, which took my entire paycheck. I inquired about my escrow check and informed them that since my mortgage was current, I'd like my escrow check to be sent to me. The woman that I spoke with said it would be mailed. I called Freedom Mortgage on XXXX XXXX to inquire about the escrow check as it hadn't arrived yet. I was informed that the woman I spoke with on XXXX XXXX didn't put a ticket in to have the check cut and mailed to me. I then asked to speak to a manager. I spoke with an individual named XXXX. XXXX  informed me that due to their error, they would escalate the process so the check would come sooner. He wouldn't give a date, but just said sooner. The check had not yet arrived on XXXX   XXXX, so I called again and asked to speak with XXXX. I instead spoke with a representative that informed me the check wasn't due to arrive unil XXXX  XXXX which was completely unacceptable. I asked to speak with a manager. I spoke with XXXX (ID XXXX, ext. XXXX) and shared my frustrations with him. I informed him I would like the check overnighted due to their incompetence. XXXX  said he was able to get the check overnighted, and according to call notes, it was overnighted on Thursday XXXX XXXX, 2019. As the word overnight implies, I expected the check Friday. It didn't arrive. It also didn't arrive Saturday, so I called again. I was told a manager wasn't available. I asked for a tracking number for the shipment. If it was truly overnighted, there would be a tracking number. The representative I spoke with was unable to provide me with one and said she would work on getting a manager to speak with me. She informed me that overnight means 3 to 4 business days. I'm no scholar, but overnight means just that, over night. I never heard back from a a manager. I called again today to inquire about the check. XXXX  was unavailable. The check still hasn't arrived.

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 2020-11-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
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:
I had a loan with XXXX XXXX that is now paid in full. The amount was roughly XXXX. In XXXX of XXXX, due to covid-19, I was granted 4 extensions. After granting me the extensions, XXXX continued to send me statements monthly. These statements, which I will provide, showed me what was owed for that particular month. I also could view these online. When I received my XXXX statement, the first one with a balance owed following the extensions, it showed that I owed XXXX with a due date of XX/XX/2020. I paid this XX/XX/2020. Following this payment, I was bombarded with statements and the amounts owed grew. I immediately contacted XXXX and was told that I owed this money and there was nothing they could do. I told them my monthly statements did not reflect this. I contacted them daily and was able to get them to correct the balance a bit but, they did not want to truly cooperate. I paid them 3 times in XXXX and the balance was paid in full in XXXX. I sent certified mail to XXXX to ask them to remove negative remarks from my credit report. I have filed disputes repeatedly. I am hoping if someone can look at these statements and see what I am talking about. I have never been 30 days late with them! This is their mistake and they need to rectify this. This has been extremely stressful and is going to cost me at least {$3000.00} in finance charges because of my current score with them reporting a late payment. I will pursue this further. They have also changed the late dates a few times on my credit report. First it was XXXX, then XXXX and finally XXXX. The first statement reflecting an amount past due does not even correspond correctly with the previous statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've learned that Phoenix Financial Services is a debt collecting agency after I saw this debt collection show up on my credit report. I contacted Phoenix to get information about the creditor as I'm unaware of who they are. They did tell me the bill from this creditor is from XXXX. It's now XXXX. I have never received a bill from the named creditor nor have I received a phone call regarding any debt. I have had the same phone number for 20 years and while I have moved, my mail had been forwarded to current address. Why have I not heard from the creditor or this collection agency regarding this bill over the last 2 years? I last spoke to Phoenix collection agency on XX/XX/XXXX once again requesting an itemized bill and information on this creditor and still have received nothing. I confirmed my mailing address, phone number and email. It's been over 60 days and still have received nothing. I can only assume this is fraudulent as this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
First, I've already successfully disputed 2 negative marks on my credit report by Synchrony bank. 

Now, they backed the Amazon credit card ( unbeknownst to me at the time ). 

Upon credit approval, they ( also not disclosed ) changed my default payment method. After that, they did not send me a card as they said they would a physical card. After that they accumulated charges and never sent me a statement at all by email or an email. 

When I went back to the supposed login page, it wouldn't load on a phone, a laptop, or a tablet. 



Please make them fix this and don't let them report anyone as missing a payment or subsequently as delinquent so they can try to collect on a debt. It appears trip clearly be a scam as a debt collector company. I found an address to pay mine this time, but they harassed me and ruined my credit and it took ten years to get more both overturned. 
ten years ago. 

Absolutely not just for me but for everyone who is unable to access their website or pay their bill in part because of the link that they provide in one email doesn't work. 

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 2020-11-19
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I received a phone call from someone who claimed they worked for XXXX XXXX XXXX A firm that had been tasked with collecting a debt I owed to my XXXX credit card that had been issued through First bank Nation of Omaha in XXXX. The firm representative called my partner since didnt have my contact and thats how she got my number. She told me that her law firm was preparing documentation to have me arrested for the debt of {$1700.00} that I owed to XXXX. She threatened me with arrest and told me I had to make the payment in full to avoid it. I told her I didnt have that much money in my account and for fear of being arrested I asked her for my other options. She suggested that if paid 40 % of what I owed, my debt would be settled. I ended up paying {$710.00} using me debt card to her over the phone to XXXX XXXXXXXX XXXX as shown on my bank statement and I was told a receipt would be mailed to me and that the debt had been settled and would reflect XXXX balance. I didnt think much of it until a derogatory debt from First Bank National of Omaha showed up on my credit report earlier this month showing full balance of what I owed for my scheels credit card. I did more digging into the payment I had made but was not able to get a lot of help from XXXX XXXX XXXX  and my bank cant dispute the payment as its been almost a year. The bank suggested I fill out a police report but I did more research it brought me to 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 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America missed a property tax payment ( 1 Quarter - XXXX {$1100.00} ) due in XX/XX/XXXX when they first originated the loan. However, they kept on making regular payments for following quarters and everything else is good. On XX/XX/XXXX, BofA took out {$1100.00} from my escrow account as tax payment. However, when I realized I have a balance due from XXXX, I checked XXXX Dept of Finance website to see the payments that were sent. That XX/XX/XXXX payment was never applied on Dept of Finance. BofA never realized this was not applied on Dept of Finance. 

On XX/XX/XXXX, BofA took out another payment {$1000.00} from my escrow account and this was partially applied for XXXX balance due ( at this point there're about {$90.00} in interest accrued over the year ). Since extra payment was taken out from my escrow account, it was showing XXXX in my escrow balance. 

In late XX/XX/XXXX, I started refinancing process with 2.5 % with another lender. I have been trying to resolve this outstanding tax payment and extra payment taken out from escrow account. I have went thru many channels phones, messages from website, and barely got replies. Finally, I got a chance to speak to a manger and they found out XX/XX/XXXX payment was missing at Dept of Finance. They credited back {$1100.00} to my escrow account. 

However, there's still an outstanding tax balance from XXXX in the amount of {$87.00} as of XX/XX/XXXX and it keeps changing due to accrued interest. I have called BofA several times to escalate and get the whole outstanding balance paid. On XX/XX/XXXX, BofA took out {$80.00} from my escrow account to supposedly pay for outstanding balance which are accrued interest from XXXX. I have requested BofA to recredit this payment to my escrow account since I'm not supposed to pay interest for BofA mismanagement and payoff that outstanding tax payment once and for all. I have mentioned several times that I'm refinancing with another lender for 2.5 % ( down from 4 % ) and this is holding up the process. My interest rate lock has been extended several times ( free for now ) but for whatever reasons, if they start charging interest, and the rate goes up, I will be in trouble. Even after escalating thru many channels for months, I can't get this outstanding balance paid from 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 monetary relief