BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I used to be able to tie my account from pins into the XXXX   app because it really helped me when I was in a pinch to get money u til my next pay day.. and now there was something changed with the app and I can no longer use the service!! This is completely ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
my paypal mastercard card. i went to use my card and i was declined. i talk to a sup name XXXX she was rude nasty and arumentative with me. IS THIS NOW YOU RUN YOUR COMPANY. I NEVER GOT A BILL. I WORK IN THE XXXX  AS A FRONT LINE EMPLOYEE I NEVER A A BILL FOR XXXX. I SPOKE TO XXXX SHE NEED TO BE FIRED AND WAY SHE TALKS TO PEOPLE.

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 2023-04-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See original complaint - XXXX. As indicated, I do not owe this debt. However, to prevent the debt from being charged off and affecting my credit, I paid it. I AM SEEKING REIMBURSEMENT - THIS DEBT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I admit I made a late payment. I was struggling financially because of gas prices. I couldn't even afford to make a lunch at home and needed money for gas to get to work. I haven't made a late payment in a long time. I asked if late fee could be waived. I was told yes by " Customer Service Operator '' My next bill next payment/statement was ALOT more than my regular payment PLUS a late fee???????. I called to ask why this happened after I was told late fee was dropped and my payment was accepted. The " Customer Service Operator '' I spoke to was rude and difficult to understand I'm not even sure he understood me. So ... .Ok I got very agitated, all ready trying too hard to pay my bills. and gas to get to work. Oh ... and also ... ot takes almost HALF AN HOUR to get through to a " REAL PERSON ''???? Their Call System has way too many push button " requests '' I called back and got someone else who sounded nice and understanding but then she wasn't. I still wasn't getting an answer why this happened and I told her if the calls are recorded then a manager needs to go back and listen to it. Nothing was resolved. Each call got more and more frustrating. I demanded my account be closed. I cut up and burned my card. I used this card to help me afford my prescription medicine until my Insurance Deductible was met, some covered health products and some pet health products... I rather do without than be treated like this.!!!!! Something has changed with this company. Lately, too many " customer service '' " operators '' can barely speak understandable English and sound like they read off a script and don't really have their own reasonable explanation in their own words or even how they can help resolve the issue. Plus they are reluctant to transfer to a Manager. I know I owe money. But I am NOT being taken advantage of and paying back ONE CENT more to Care Credit. I've had enough of disrespect and attitude and lies and incorrectly trained " customer service operators '' my credit is in jeopardy all ready. I've tried so hard to maintain it. I don't need a company ruining it for me and making my credit even more negativily effected because I was lied to about a {$30.00} late fee I couldn't afford to pay and Now look at it!!! I'm NEVER going to be able to catch up. Shame on them. I've been with them for about 6 years ... .well NO more. I'm done. Life is difficult enough. This is the thanks I get for paying on 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 explanation
Consumer complaint received 2020-05-25
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, XXXX, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bad customer service and rude and nasty people and they don't care about American XXXX act and identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a car at Honda and financed a loan with Honda Financial Services. Honda Financial services failed to informed me the interest on the loan will be variable. Honda Financial services has not send me a paper statement, and after 2 years I come to find out that my car loan has a variable interest. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I received an email from XXXX, where I have a credit card, that there was a inquiry on my credit report from Bank of America on XX/XX/23. I did not initiate this credit check.

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 2021-03-02
Company: EQUIFAX, INC.
State: MD
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:
Several reports from the police department and notarized letters from the XX/XX/XXXXCourt House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXXhas successfully removed the negative items listed.

I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company Midland Mortgage was notified via written mail to stop communication over telephone. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
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: Information belongs to someone else

Complaint:
EXPERIAN PUT BACK A STUDENT LOAN UNDER ANOTHER NAME FTC REPORTED 1 YEAR AGO ALL FTC VIOLATIONS FTC DEEMED TO BE IN VIOLATIONS AS LISTED : XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute

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 2020-07-07
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are homeowners who have lived in our home for decades and have NEVER been late on a payment. Our mortgage servicing was sold by XXXX to Nationstar ( who market as " Mr. Cooper '' in a phony attempt to be " human '' ) several years ago. Our mortgage is due on the XXXX of the month but with the grace period it is actually payable up until the 15th. Needless to say I ALWAYS pay close to the 15th -- who wouldn't? -- and this should be very obvious to Nationstar. However, for at least the last several months, every month on or around the 7th of the month I get an automated call from Nationstar telling me to call another of their 800 # s. When I call I get voice response messages with selection options that more than imply there is some presumption that we are about to go delinquent on our mortgage. 

We are living under enough stress already under the stay-at-home order and other disruptions to our lives caused by COVID. At this point I feel that Nationstar is harassing me, or somehow has singled me out for differential treatment not based on any facts related to our stellar payment record on our mortgage. However, it is impossible to get a human being on the phone to ask them to go away. Are they assuming because I am a woman I will be late? Because I am over XXXX? It is hard to say. 

Please can you make them go away and stop robo-calling me for no reason. If there is a real matter they want to discuss they can send me a real email from a real human being. However, there is none I can identify as we are prompt payers, have no other relationships with Mr. Cooper, nor after this treatment would we ever. Mr. Cooper is a joke. Their treatment of me is harassment. 

As a former banking executive I know that this complaint will have to be handled directly by Nationstar. SInce they have treated me so poorly and make it impossible to get in touch with them directly with ease I was left with no choice but to route this issue to you. Perhaps now they will listen and stop these practices. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I reviewed my car loan contract and the contract I signed did not EXPLAIN how my payments would be applied if late. When they apply the payments there are no guidelines to follow. It simply says on the contract they applied them how they see fit. I reviewed my payments and realized I paid XXXX some months and for more than a year. They never applied any payments to interest. When I call and ask for a description of why they never applied such large payments to the principle they could not give sufficient explaination, they simply applied it to what the called the interest. In this case the consumer never knowing how much interest they are paying and what is it based on. I figure my interest should be now around 6 dollars a day and if late 2 days, the ADDITIONAL interest should only be at XXXX dollars a day. Remember the amortization schedule includes the principle and interest.Exerter ignores the schedule and applies the payments to a falsly calculated interest bucket that doesn't take into account the schedule. Exeter finance is in breach of the truth in lending act. They need to re review my loan and all of its customers for the miscalculated interest. And also pay fines for not presenting a fair and legal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 Follow Up XX/XX/2020

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 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Original dispute XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX D.O.B XX/XX/XXXX Last Four SS XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
NAMES REPORTED : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX Original creditor name XXXX XXXX Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2020-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, Bank of America overdrafted my account by charging {$760.00} dollars for a check written for {$76.00}. BOA kept my account overcharged for a week plus overdraft fee.. BOA allowed XXXX XXXX to submit an ach withdrawal for an incorrect amount resulting in my account being overdrawn and having to borrow money from parents. I called boa several times but was met with indifference and told me it would be corrected over time. But I had no money for groceries. I had to borrow {$800.00} from my father causing me embarrassment and emotional distress for one week. BOA Has since corrected the charge but there has been no apology no reimbursement Offered for Having to borrow money.

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 2020-05-25
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:
To : Whom I

t May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Due to covid 19 the bank of amrica has announced that it is doing its part to help its customers with a help program ... Just join! I did it on the XXXX of XXXX and whenever I call again, they give me a new deadline but they don't comply with the treaty. I paid the bill without power and exposing my situation, they said they could help by returning the amount paid and extending the date to be paid ... Well, I accepted and I'm waiting until today ; whenever I call they ask for another week ... I counted on the combined help but it seems that I am making a fool of myself.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Account : # XXXX XXXX XXXX XXXX XXXX is reporting 34 late payments on an account that is now closed and paid in full on my Experian and XXXX Credit Reports. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX  is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written XXXX XXXX XXXX XXXX  to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-03-02
Company: EQUIFAX, INC.
State: OH
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:
There are two hard inquiries on my credit report from XX/XX/2020 and XX/XX/2020. The company is listed as XXXX XXXX. I called Equifax and told them that I never applied for a home loan and the inquiries were a result of fraud. I asked Equifax to remove the two fraudulent inquiries but they refused. 
Equifax told me that I needed to find an attorney and complete a Affidavit. I did not make the inquiries so I should not have to go through the trouble of finding an attorney to complete an affidavit.

Company response to consumer: Closed with explanation