BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/ I singed a contract for the lease of a XXXX XXXX XXXX. During this transaction, I fully disclosed I was XXXX XXXX military. I provided my military Common Access Card, and a copy of my LES which in turn I was given a {$500.00} military discount. Aside from my full disclosure, there are other options for financial institutions to utilize to determine if the borrower is in the XXXX XXXX. During this time, I was offered GAP Insurance for {$990.00} in the finance department. I agreed to this item without realizing this item is prohibited from being offered to XXXX XXXX military under the Military Lending Act ( MLA ). XXXX XX/XX/XXXX I had spoken with the base JAG and was informed since the financial institution did not follow the MLA the lease agreement was null and void. I followed by contacting Toyota Financial Services the same day to discuss the error. I stated the contract was null and void due to a failure on their part to abide by the MLA. I called on two separate occasions. The first person I spoke with only put in a SCRA request and said someone would call me back. I waited about an hour but called again and spoke with a gentleman. He told me that although the GAP is not allowed I have to remove it and resign the contract and if I do not resign the contract and hand in the car then it will be reported to the credit bureau as a " Voluntary Surrender '' and will negatively hit my credit. The problem is the current contract is not binding due to illegally selling me GAP insurance. Toyota Financial Services have threated negative action because of their failure rather than trying to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: U.S. BANCORP
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting called about debt its been seven years and debt is still being reported. As a result I am unable to purchase a home. Also I was contacted by IRS and was force to pay the IRS because the credit card debt was charged off and taxed as chargeable income.

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 2019-08-29
Company: GreenSky, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 Greensky Financial accessed my credit report and placed a hard inquiry on my credit report without my authorization, I did not seek credit from this company and I have never sought a line of credit from the company ; I did not give my social security number to this company and I did not authorize the company to apply for credit on my behalf ; The XXXX website advised me to report the fraudulent activity to my local police department and the social security administration which I will do along with filing a report with the XXXX  and State Attorney General 's Office of GA, I will have to retain an attorney which will cost a retainer fee of {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted XXXX  due a data breach with another service. I contacted XXXX  and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel XXXX is discriminatory against XXXX Americans w in its credit reporting and products or services. I have files over a dozen complaints again XXXX  due to my reports being outdated. XXXX debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent people of XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against people of 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 2018-02-03
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
... 1 ) Simple Bank does not notify or disclose anywhere to its customers that it will treat federal money orders like a personal check. All Simple Bank states is that they will hold checks for 10 days. 

... 2 ) Normally banks and merchants treat federal money orders the same as cash, whereas they treat paper checks as, well, paper checks. 

... 3 ) If Simple Bank wishes to uncharacteristically treat money orders the same as paper checks, Simple Bank would be required to notify its customers of such a draconian policy ; but they have not updated their terms on their website even though this is the third complaint. 

... 4 ) The solution is Simple : Please update your website stating money orders will be treated the same as cash, and then please compensate my account for your oversight in not properly notifying customers that money orders will be treated the same as personal checks with regard to holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions 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:
Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.

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 2016-05-25
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My wife and I decided to refinance our house to help lower our payment a little bit. When we met with the company to start the refinance process, we were told that there was going to be no cost to us. Then we get documents that said we needed to bring {$270.00} to closing. We then get communication that we need to bring {$870.00} to closing. We next get a Document to sign saying we need to bring over {$1000.00} to close. We get that issue resolved, but have yet to receive any documentation on anything else. We have had to constantly request updates on where we are in the Funding process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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:
I am writing to dispute the presence of hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-03-18
Company: Capio Partners, LLC
State: OH
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:
Company ( Assetcare ) keeps rebucketing the same account ( multiple times per month and it is negatively impacting my score. This is in direct violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spent about an hour on the phone with XXXX  trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Aqua Finance, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
purchased a boat, used XXXX XXXX to apply, ot the loan approved, i doc signed all the contracts and dmv papers, aqua finance and XXXX XXXX XXXX said they wired the money to XXXX XXXX bank account and they were to wire transfer to XXXX XXXX for my boat, it never got wired, been over a month and my first payment is due tomorrow. i don't have a boat, i have an open loan for XXXX on my credit report, XXXX XXXX XXXX have given nothing but empty promises from XXXX XXXX in Texas and Aqua has stopped communicating with me, won't return emails or calls. Please help me XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX  Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 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 a account without my written instructions.

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 2021-08-10
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  is trying to scam {$590.00} out of me saying that it is owed from a company called CashNetUSA. They are saying that I am past due on a loan from XX/XX/2021. I have not used CashNetUSA in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I was a victim of the recent TransUnion inquiry issue and was needing to have inquiries moved. I have spoke to a transunion rep on the phone who refused to help me in any sort of way. The inquiries needing to be removed are as follows : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2019-08-16
Company: PNC Bank N.A.
State: NJ
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, I received a phone message from XXXX XXXX xXXXX of PNC, she left a number and I called her back.  She was out of the office, so I spoke with another gentlemen who told me  that I never paid my home equity loan for XX/XX/XXXX.  I said that I sent a check (#XXXX) on XX/XX/XXXX and then checked my account online.  My account showed that the check had been cleared and deducted from my account on XX/XX/XXXX.  He put me on hold and then came back and said that it appeared that someone had credited a different account.  I asked if this was a person or an automated process.  He said he believed it was a processing error.At this point, he transferred me to XXXX in loan servicing.  XXXX said it would take a few weeks to credit my account for the amount that had been deducted.  He read some legalese jargon that I asked him to repeat several times because it made little sense to me, the way it was worded.  XXXX seemed to lose patience with me after I asked him to read it to me a third time, much slower than the previous blurted sentences.  I agreed that my information was correct but not with the wording of that disclaimer.  I wrote a check (#XXXX) for my home equity line of credit from a PNC checking account and mailed it with the payment stub provided.  I wrote the account number on the check.   PNC cashed it and then misappropriated the funds to another account, not my own.  XXXX instructed me to pay my home equity loan with another check to avoid furhter complications.  I quickly drove to the local Holmdel branch of PNC and was able to secure a place in the drive thru before they closed at XXXX on Friday, XX/XX/XXXX.  I paid for the second time in XX/XX/XXXX, through the bank teller at XXXX.  On XX/XX/XXXX, I received a letter from ACH Dispute Services stating that “...we have determined no error occurred...” but my account would be credited for the amount deducted.  I checked my  PNC account and it was credited for the amount of $XXXX.  The letter stated that I could call to receive further documentation of this determination.  I called and waited online for an hour before being told that there was no further documentation because there was no error, for the money that was erroneously deducted from my account.  XXXX was very helpful and I told her that I was concerned that this would happen again, simply because your bank claims that there was no error and is therefore likely to occur again (and it did.)On XX/XX/XXXX, I paid my Home Equity loan in the amount of $XXXX.  On XX/XX/XXXX after checking my account online, I noticed that the balance was off by $XXXX.  Looking at my statement I saw that on  XX/XX/XXXX, PNC again deposited the XX/XX/XXXX check (#XX/XX/XXXX) and deducted that $XXXX from my account, IN ERROR (despite their claims to the contrary).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a XXXX Discover Card about 8months ago, and everything was fine when I was paying with my XXXX account. However I move away to go to college so my mom gave me her debit card to process the payments. Discover card took my payments but never told me the debit card was not a form of payment that they use, so about two payments were rejected. I then put my mom on the phone so she could see what was going on and she is the one that found out about the debit card not being a form of payment. My mom then used her checking bank account, which was also rejected. My mom put the bank on the other line with the discovered card agent, to make sure everything was ok. Which discover card said that it would be ok, however that payment was rejected also. Discover stated it was rejected saying no account found. Instead of discover working this out with me knowing that one of their agents realized that it was a debit card I was paying with they still decided to close my account., due to the payments being rejected 4 times, which was because discovered never advise me that they did not take debit cards. My mother called in again to try it again, and now after two months of trying to get these payments to go through and agent advise her that they do except debit cards, but they have to transfer you to a different number, so this has caused my credit to go down or look bad due to discover not accepting my payments and not advising me properly, due to my account now being closed. 
I would like for discover to open my account back up, especially since I am still paying the bill on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MI
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:
my credit report is incorrected, and its is affecting my daily life tremendously please remove these items, Ftc report was sent in aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice through XXXX XXXX that my credit dropped 20 points. I checked my credit report it showed that Credence Resource Management had file a discrepancy on my credit report for a debt that I do not know and do not owe any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THE BANK IS ILLEGALLY CHARGING ME TO TAKE MY MONEY FROM THE BANK ATM.. EVER SINCE THE PANDEMIC I HAVE HAD A PROBLEM WITH MY BANK. I HAVE NEVER HAD A PROBLEM BEFORE.. EVERY MONTH NOW SINCE THE PANDEMIC MY ACCOUNT HAS BEEN OVERDRAWN. IT WAS NEVER OVERDRAWN BEFORE. THEN THEY ARE TELLING ME I WITHDRAW {$1400.00} ON THE SAME DAY. THEN THEY TOLD ME THEY PUT THE WRONG DATE. YOU CAN ONLY TAKE {$700.00} A DAY AND CHARGING ME {$3.00} ATM FEES TO TAKE MONEY OUT MY BANK ATM. 

SECOND TIME THIS HAS HAPPEN. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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:
Bank of America is reporting a delinquent credit card account to all three bureaus. I have never had an account with Bank of America. I spoke to their fraud department multiple times. I was instructed to dispute the errors with all three credit bureaus and I followed the instructions and reported the error inXX/XX/XXXX. The investigations were completed and Bank of America verified that the account and report were both accurate. I called the Bank of America fraud department again and they could not locate any accounts using my name, address or phone number. Bank of America initiated another investigation onXX/XX/XXXXand once again determined that the account is accurate. However when I call and speak to a representative they are unable to find any account that matches my personal 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 non-monetary relief