BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/20 I sent an email to ( XXXX ) that I was advised to do so by a representative. I advised that I have always used bill pay via my bank XXXX XXXX and never was received late fee until XX/XX/XXXX when the payment was sent out a day earlier ( XX/XX/20 ) than the payment in XX/XX/XXXX ( XX/XX/20 payment sent ).  I received a response on XX/XX/20 saying they aren't able to locate my account which I replied with all information they required ( full name, address, phone number, full account number and confirmed email. Received another email requesting more information and documents that didn't seem necessary for a simple late fee refund that shouldn't have been charged in the first place. I than replied asking for a supervisor to call me ASAP to discuss and hopefully resolve the issue via telephone and nothing, I called in to XXXX to speak to representative and phone call was disconnected. I than sent another email on XX/XX/20 requesting for a call since they disconnected my call the last time I called in trying to discuss the situation. Since than, I believe they have illegally took a portion of my normal payment to pay late fees and charged me another late fee because they took money from my normal payment that was paid in full and applied elsewhere/fees. They are charging additional illegal fees and not helping consumers even during a national pandemic. I finally got to a supervisor today XX/XX/20 explaining the situation and wasn't helpful asked to speak to a supervisor and said would forward a message but couldn't give me a name or telephone that i could be expecting a call. asked for his information to keep for my records and he advised he didn't have to give me that information and would pass the message along. Very rude and unethical procedures this company has shown. I have always paid my monthly payments on time and in full and have received the worst customer service in my life, I hope there is legal action taken against this company and they pay for there wrong doing. Also check the XXXX with same complaint, I wish I had read the reviews before accepting a loan with yamaha.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX {$730.00} reporting amount ( XXXX ), XXXX XXXX {$730.00} reporting amount ( TRANSUNION ) has violated my rights. I do NOT owe such debts. Original creditor ( XXXX XXXX XXXX ) has given verification of {$0.00} debt owed or in collections status. Please remove this debt and incorrect information immediately. 
Statue 15 U.S.C 1681 section 602A states I have the right to privacy.

Statue 15 U.S.C 1681 604A states.. a consumer reporting agency cant furnish a account without written instructions from the consumer. 

I am the consumer and I do not give my permission to furnish information on my report at this time.

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 2019-07-30
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I previously submitted complaint XXXX which CFPB closed following receipt of Chase Bank 's response. Chase committed in their response that : " ... Our current online account opening application will not allow our Chase Private Client ( CPC ) to open CD accounts online. We are performing a system upgrade on XX/XX/XXXX that will allow our CPC customers to open CD accounts online. You may proceed with opening your CD account after this date. ". 

XX/XX/XXXX is long gone and I, as a CPC, have tried multiple times to open a CD account online - with NO success. The situation is the same as before. Chase Bank is falsely advertising and has provided both the CFPB and their customer with false information. Given that I am unable to go to a branch and can only open a CD online, every day that passes that I am unable to invest my seven figure amount that's in the Chase savings account - is a financial loss to me - and, of course, allows Chase to get away with not having to pay interest! They have a vested interested that the funds will remain in a zero percent interest savings account! Why is CFPB allowing Chase to get away with this? If CPC customers aren't still able to open accounts online ( though as of XX/XX/XXXX Chase claimed we were supposed to be able to do so ), why does CFPB still allow them to advertise this option on the Bank 's online website? Totally outrageous and CFPB is enabling this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
It has been reported in the news that XXXX XXXX XXXXXXXX and XXXX have publicly stated that they will start denying loans and services to companies that are in the firearms business. These steps will be taken without considering the financial stability or credit worthiness of the companies. 
My understanding is that this is discrimination which is illegal under Federal Law and well as attacking the 2nd amendment of the US Constitution. 
Banks are intended to provide financial services and not make political or social statements. Both of these banks have received tax payer support during the recent collapse of the banking systems. By taking public support, they have also, removed any plausible argument that as a independent organization, they are free to make any statements or restrictions of trade they choose.

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 2020-09-19
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
On XX/XX/XXXX Transworld Systems Inc. closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX Transworld Systems Inc. placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from Transworld Systems was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, Transworld Systems constantly sent me a copy of bill from XXXX  XXXX XXXX  which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to Transworld Systems from XXXX, XXXX and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from Transworld Systems Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, Transworld Systems has again willfully violated the FRCA by not responding to my dispute. 

Transworld Systems Inc has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to Transworld Systems Inc. several times with all required documentation concerning this alleged debt. 

I have have asked Transworld Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) As of 09/18/2020 Transworld Systems Inc is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and XXXX.

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by Transworld Systems and the disputes that i have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX XXXX ( Miscellaneous ) - XXXX XXXX XXXX XXXX ( Finance ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Hotel and travel ) - XX/XX/2022 XXXX XXXX ( Finance ) - XXXX XXXX XXXX  ( Bank ) -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 2022-11-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that Simon Agency provide me with validation, specifically proof that they were authorized to collect this debt, the name and address of the medical provider, the date and type of service, and to whom the service was provided, the name of the person providing this data, and the manner in which it was provided. 
They have failed to provide me with the specific requested information in the time allowed, therefore, I am insisting that these items be deleted from my file. 
Furthermore they have violated my HIPPA rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent all 3 credit reporting agencies written disputes regarding XXXXXXXX XXXX account XXXX XXXXXXXX on the following dates XXXX XXXX XXXX and XXXX  This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX  have not sent any proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2020-06-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Ally Financial ( www.Ally.com ) Ally provides online banking to make payments online on Ally website. When making a payment Ally gives two options ( quote ) : > Apply to the outstanding balance of amount financed ; Ill still owe my next regularly scheduled monthly payment ( Trying to make a principal-only payment? 
What you may think of as the principal amount on a traditional loan ( like a mortgage loan ) is referred to as the amount financed on your Ally vehicle financing contract. This selection is Allys closest option to a principal payment. Assuming you keep making all your scheduled monthly payments, this is the fastest way to pay off your vehicle. ) > Apply to reduce the amount of my next regularly scheduled monthly payment.

Here 's my complaint : [ a ] deceitful payment options [ b ] setting a trap to miss due payments. 

[ a ] The first option ( quoted above ) advertises principal only payment, where the entire payment is applied to unpaid balance. ( This is also a default payment choice. See more below in section [ b ] ). When I chose to make a principal only payment option, Ally paid accrued interest charges first, and the remainder was applied to principal. 
Here are the particulars : On XX/XX/2020 I made a {$250.00} principal only payment, of which {$46.00} were applied to finance charges. I chose this option specifically to reduce the outstanding balance not to pay a regular payment due. I also made a {$300.00} principal payment in XXXX XXXX same problem, yet I discovered the issue with deceitful payment processing activity at Ally only recently when I decided to check the details of the principal payment made on XX/XX/2020. 
I spoke to Ally representatives via email XXXX case # XXXX XXXX, and on the phone. I was advised that they always pay interest first before paying down the principal regardless if the payment was intended as a principal payment only.

[ b ] Secondly, when making a payment online on Ally website, the first option ( see quoted options above ) is chosen by default, leading a customer to make a payment without satisfying the amount due ( or the regular scheduled payment ). 

It appears that Ally set up the payment portal purposefully [ a ] to mislead the customers into the belief that the principal only payment is applied fully towards the principal, and [ b ] to trap customers into missing a due payment despite making a payment to generate late payment fees.

Additionally, the payment history does not differentiate between the two payment  options, making it impossible to track what payment type was chosen, and how it was applied towards the loan balance. Nowhere on the website it show accrued finance charges and the unpaid balance after each payment.

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 2018-07-25
Company: Bryant Bryant & Associates LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XX/XX/2018 i received a call from XXXX this number belongs to Bryant Acc. my wife got a call from this same place in the 1st week in XX/XX/XXXX. when i called back the number the person answered investigations. the male on the phone ( i can not recall the name or if they even gave a name ), stated this had to do with a payday loan. i told the person that we filed and the bankruptcy for chapter XXXX was discharged in XX/XX/XXXX the bankruptcy was discharged. when my wife had this call in XX/XX/XXXX the person Ms. XXXX tried scaring my wife stating that the bankruptcy was not approved and that if she dose not pay that the sheriff 's would come to our door and arrested. at that time she contacted your office and made a complaint. On the above date when i contacted the number the person asked if anyone was arrested. i advised him no and that this is the 2nd time some one is trying this on me and my wife and that i want them to stop calling us and that they were not harassing us and that if they don't stop contacting our friends, family members, or us we will seek legal actions against them. I did use harsh language with them and advised them that i was not happy with them calling us and causing undue stress in the family. we also contacted the law firm that prepared our bankruptcy and they advised to file a complaint with your agency. i tried to talk to someone from your agency on the above date and they really did not seam like they wanted to do anything or file my complaint. the person from the so called investigations department of Bryant Acc. at the time my wife called sated that it was a attempt of a det through XXXX XXXX. when i talked to the so called investigator i told him if this for XXXX XXXX that i will be contacting my attorney an file a case with all agencies that i can on there collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
NATIONSTAR/MR COOPER ACCT NO XXXXXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX   AND XXXX  CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF AURORA BANK ( AQUIRED BY NATIONSTAR/MR COOPER ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM AURORA/NATIONSTAR. 
XXXX ... ../SPOC AT AURORA BANK XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX-XXXX-XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT AURORA.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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