BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX my ALLY checking/saving accounts are frozen and I cant use any of the funds amount XXXX. Im experiencing identity theft and I have other authorized accounts opening and I want the ALLY accounts closed immediatelyXXXX to keep my funds safe. This company as refused to close my account or write out checks in the amount of funds available until I send them a email. The email given was XXXX which I sent the request to close my accounts XX/XX/XXXX. What they requested which I recorded because its odd during a identity crisis documentations Request reads as follows my identification card, social security card, and billing letter in my name which I refused. This ally company I opened in XXXX as never once contacting me? After I have called several times, left voice messages for a supervisor, and have sent a email via the 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 2022-08-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I financed XXXX product and was directed to TD Retail Card Services. I applied and got credit for my purchaseI was directed to set up XXXX portal to make payments etc. Payments are due on the XXXX if each month. If payment is late you incur a late fee. Their terminology is misleading because it states up to a certain amount. Its very confusing the wording in the contract and it wasnt until much searching I found TD retail card XXXX  is associated with TD bank, Im a XXXX  on a fixed income and my SSA payments arent deposited until second week of each month. This was very difficult to budget for as TD card services is not flexible in adjusting the due date. I explained situation to several CS reps who handle the myonlineaccount.net that they have set up, Ive had to incur multiple {$40.00} late fees because company is unreasonable and will not work with consumers. This is becoming a hardship because with outrageously high late fee its difficult to pay down balance. This company is unyielding and greedy and taking advantage of people struggling to pay bills. This company is not willing to work with consumers, theyre simply lining their own pockets with greedy practices. XXXX and other large companies use TD Bank. Buyer Beware

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
on XX/XX/XXXX I called capital 1 regarding XXXX and I was advised they would be removed all but XXXX which was acceptable as I have had terrible problems with capital one and their sleazy banking so I deducted XXXX from my balance and sent a ck for XXXX. I received my new statement and found I had a balance of XXXX this looks like interest on top of interest.I thought that was illegal! Called to have the interest removed to XXXX out the balance and was told it could not be done .Called again today and was told the same thing system would not allow. XXXX can only be removed 3 times in a year!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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:
My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!

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 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-08-20
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was dating my boyfriend for 15 years. I am a victim of XXXX  XXXX and Identity Theft because my ex boyfriend recorded me and allowed hundreds of people have access to these recordings and my cell phone calls were routed to his aqaintances. As a direct result of that, a few of them STOLD my identity and took out auto loans house loans possibly credit cards and cell phones and utilities that absolutely does not belong to me. 
I have been to the state police several times regarding this issue and they will not refer me to anyone. They say they dont scan phones or hAndle those types of matters ... ..I have called creditors and disputed transactions that I never signed for and its still not off my credit report there are several items on there that dont belong 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 2020-07-19
Company: Experian Information Solutions Inc.
State: FL
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 notified Experian by certified mail a 611 ( a ) ( 6 ) & ( 7 ) letter which was not responded to properly. Inaccuracies and reaging of accounts, charge off account total changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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 never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. Balance is over double original balance with no validation or explanation. Account has went from open to closed to collections and back to open several times within the last 5 years on my credit report. I have never owned the car they state I financed nor do I have any information regarding 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 2018-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
The following accounts/items do not belong to me. Please delete immediately. 

Bankruptcy - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX - this account doesn't belong to me Action Requested : Please Delete Please send me an updated copy of my credit report showing that these accounts are removed.

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 2023-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-10-29
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please be advised that I refinanced my home through XXXX XXXX XXXX XXXX with their representative XXXX XXXX and XXXX XXXX the attorney representing Home Point Financial, the new lender. It has come to my attention that the loan pay off funds payable to XXXX XXXX XXXX fraudulently was misdirected to an account controlled and owned by XXXX XXXX XXXX and or XXXX XXXX called XXXX XXXX XXXX instead of XXXX XXXXXXXX XXXX. 
This fraud has resulted now in their existing two competing mortgages on my property. I have been told by the title company XXXX XXXX XXXX that XXXX XXXX XXXX needs to put forth an immediate title claim as their existing lenders. 
But XXXX XXXX XXXX refused to put in a claim stating that Home Point Financial who did the refinanced would have to put in a claim, which XXXX have contacted Home Point also and have requested Home point to file a claim. But Home Point Financial refused to put in a claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX2017, I visited the XXXX XXXX ( FL ) XXXX XXXX XXXX. It smelled like feces, had a broken bed, 1/2 '' of dirt on the baseboards, and a toilet which did not operate properly and flooded all three rooms of the hotel/motel unit. At checkout, I was refused any credit for the problems/inconvenience. I called Elan Financial, as the card issuer of my Fidelity Signature Visa Card, complaining of the poor quality service and lousy hotel/motel operation.
When I returned home I was notified that I was not permitted to file a complaint since, " The purchase must have been made in your home state or within 100 miles of your current mailing address ''. Since I live in XXXX, MA, my right to dispute the transaction ended as I drove through Rhode Island. Additionally, I immediately realized that Elan Financial will not cover any of my Internet transactions from XXXX, XXXX, or XXXX.
I believe this limitation by Elan is unfair and deceptive. If Elan Financial does not allow the dispute of transactions beyond a 100 mile radius, I believe its ability to conduct sales transactions and business should also be limited to each cardholders " home state '' or the stipulated 100 mile range.

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 2020-10-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Toyota Financial Services reported my husband and I, in XXXX of XXXX, to the credit bureaus and ruined our hard-earned credit scores, which were in the 800 range over a balance of {$23.00}. This balance was from a car accident that our daughter was involved in XXXX XX/XX/2018 XXXX, and it was not even her fault. Our XXXX XXXX ( lease ) was deemed a TOTAL LOSS, and our insurance company paid out all debts to Toyota Financial Corporation, or so we thought. We had no idea that there was a remaining balance of {$110.00} on this vehicle, which in reality ended up to be only {$23.00}, after Toyota Corporation received the Abatement Refund of {$92.00} in XXXX of XXXX. 

Never once did anyone from Toyota Corporation call us to ask for this minimal balance. Long story short, in XXXX of XXXX, after receiving a letter from Toyota stating they reported us to the Credit Reporting Agencies, I immediately phoned Toyota Corporation and paid off the remaining small balance of {$23.00}, but the damage had already been done to our Credit Scores. I continued to ask Toyota Corporation for help to redeem back our high credit scores, and spoke with numerous customer reps/supervisors from various departments. All of them told me they had never heard a story like ours. They too were shocked that our credit scores were ruined over a small amount, and it was over a car accident that wasn't even our daughter 's fault. Repeatedly, I was told that there was nothing they can do on their end, and that the only option was to write the TFS Dispute Group. My husband and I wrote a letter to the dispute group at XXXX XXXX XXXX XXXX, MI ( no email or phone available ), and they denied our request to have our debt/report removed from all Credit Bureaus. 

It has been over two years now, and we are asking CFPB to help us ask Toyota Financial Services to remove our negative credit hit/report, so we can redeem our hard-earned credit scores and qualify for better interest rates on loans. My husband and I have worked hard throughout the years to establish our credit scores. We have always and continue to pay our credit cards in full, making sure we never have a late payment. In addition, we have been loyal customers to Toyota Corporation by buying and leasing numerous vehicles throughout the years. We were devastated that this is how Toyota Corporation values loyal, and good paying customers. We look forward to a response, and hope for a good outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
Good morning I have sent 3 letters of dispute to the 3 credit bureaus equifax, XXXX XXXX  XXXX asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: MO
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
EQUIFAX IS REPORTING AN ACCOUNT AS AN AUTHORIZED USER THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT IS HURTING MY PROFILE I HAVE SENT LETTERS MY CERTIFIED MAIL AND CERTIFIED FACSIMILE Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2018 Balance Owed : {$15000.00} I AM NOT ASSOCIATED WITH THIS CARD IN ANY TYPE OF WAY PLEASE TERMINATE IMMEDIATELY AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following company EOS CCA, with provided address XXXX XXXX XXXX, XXXX, MA XXXX and listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX company. I have never received a debt notification or the right to validate notice by EOS CCA company. 
The company has violated my rights by not informing me of the debt or my rights before adverse files with the credit reporting agencies.

Company response to consumer: Closed with explanation