BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-06-18
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXXXXXX XXXX XXXX was used without my authorization and consent as a result of identity theft, It is effecting my XXXX XXXX score as it is reporting usage of {$430.00} on a limit of {$500.00}, none of which I used. I want XXXX to report my card as paid in full today to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I participated in the Toyota Motor Credit Corporation Settlement earlier this year, by filling out and submitting ( 2 ) Eligibilty forms on or around XX/XX/XXXX. Those 2 forms were for a XXXX XXXX XXXX and a XXXX XXXX. My loan was for the XXXX. Then I traded the XXXX for the XXXX, a year and a half later. I called the Settlement Adminatrator the next day to confirm they received both forms, and was told they did. On XXXX, I called and spoke to " XXXX '' for an update re : the settlement and was advised to do nothing now. The deadline to submit was XX/XX/XXXX. 

In XXXX, I called for an update re : when checks were to be mailed. But I always got the same answer. " TMCC is still going through the eligibilty forms before any payments can be made, and to keep checking their website for an update ''. But the website only tells you payments will be mailed in XXXX. There is no forther info and the CSR 's aren't so helpful. Well, it's almost XXXX and I have yet to receive any payment or, even a letter stating otherwise. Any assistance will be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: SYNCHRONY FINANCIAL
State: TX
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:
Good Day Team CFPB, On XX/XX/XXXX I had a procedure done at XXXX in the amount of {$4700.00} which was financed by CareCredit / Synchrony Bank. In early XXXX, approximately 6 months after the XXXX, I contacted XXXX about my concern the procedure did not work. The staff and doctor advised to wait a few more months and I would see results between 6 and 9 months. 

In XXXX I scheduled a XX/XX/XXXX visit ( 10 months post op ) and met with the staff and XXXX XXXX. At that time, he advised it could take a full year and to comeback in XXXX. I didnt feel reassured about his statement as this was the same Doctor who said you will see results by 6 months. 

About 2 weeks later, I contacted my finance company a week later and requested a dispute on the financed charges which Synchrony logged. 30 days later I was informed I lost the dispute. Synchrony listed it as a price dispute which wasnt accurate I explained I was arguing about a faulty defective product. I called Synchrony after receiving the turn down letter to which I was informed I  needed to meet with XXXX and the Doctor again as there was nothing they could do. I questioned given theyre the finance company and I was sold a defective product. Begrudgingly, I setup a 2nd appointment and attended on XX/XX/XXXX a full year + after my procedure. Again no resolution from XXXX as I requested my money back. After leaving their office, I contacted Synchrony again to request a dispute.

At this time, Im not confident I will receive my money back and only have a short window remaining till the promotional expiration. Im requesting assistance to recoup the amount of {$3600.00} remitted to Synchrony as of XXXX and not be liable for the remaining balance of {$1100.00}. 

I appreciate your assistance.

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 2021-01-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS REMOVING OLD ADDRESSES THAT WERE LINKED TO MY IDENTITY THEFT CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX X Date : XX/XX/2010 Amount : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My EDD BOA PREPAID DEBIT CARD WAS CLOSED for no reason since XX/XX/21 and my benefit funds was still deposited into it .. I need help to get this unlock it getting my hopeless I called boa and was told to called edd which I did and they told me they sent form to boa .and nothing yet boa told they havent gotten any or my other option is To go into their branch to show them 2 identities form. I need my card unlock ASAP I have lots of bills to pay it going 2 months now I have a balance of XXXX $ plus on it and my recent benefit that was also paid .. they locked it for no reason. My last deposit was {$1500.00} on XXXX while it still locked XXXX countless times I have called Edd and nothing wrong with my profile. BOA KILLING ME IT ALMOST 2 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Diversified Adjustment Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from the company Diversified Adjustment Service about an old debt on XX/XX/XXXX alleging I owe {$650.00} to their company for an old XXXX bill. I sent to them a validation letter by certified mail on XX/XX/XXXX asking for verification of this said debt account ending in XXXX. On XX/XX/XXXX, I received a copy of a bill, that does not have my signature indicated that was from XX/XX/XXXX. This bill was bought from another collection agency that I have also disputed with that is still currently showing on my credit report. I have been receiving numerous phone calls from this company all hours of the day and night. On XX/XX/XXXX Diversified Adjustment Service reported this to the credit bureau and now it is appearing on my credit report as an added collection from them. They are attempting to collect on a bill that I do not owe them and no proof has been received that I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: FORD MOTOR CREDIT CO.
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: Their investigation did not fix an error on your report

Complaint:
I co-signed for my mother for a car with Ford Motor Credit Company. My Mother stopped paying the car and Ford took it and sold it without asking me if I wanted to take over the payments. I wrote many letters to Ford Motor Credit Company about this, I asked them to send me proof of the letter they allegedly send me to take over the payments. They never send me a copy of the letter because they dont have it, instead they send me goodwill emails that I allegedly send them apologizing, why would I apologize? I did nothing wrong, I never had the opportunity to take over the payments. The goodwill emails that I allegedly send to them are false, they were not signed by me. Im very tired of this situation, I hope once and for all you guys send me a copy of the letter that you guys allegedly send me to take over the payments before the car was repossessed or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My original bill was {$2100.00}. I've paid my bill on time every month which brought my bill down to {$900.00}. I'm now being charged a {$740.00} interest, they said the promotional period ended. I spoke to a " supervisor '' XXXX ID # XXXX who was incompetent and didn't know how to deal with this. This company is a scam and need to be investigated.

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 2018-11-15
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: Their investigation did not fix an error on your report

Complaint:
Hello, I sent XXXX XXXX  and Equifax 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification.

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Caliber Home Loans, 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: Investigation took more than 30 days

Complaint:
I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX and Caliber Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Using the Simple Mobile App Mobile Check Deposit feature today I deposited an insurance check from XXXX which was overnighted to me from the Office of the CEO. 

XXXX XXXX wrongfully rejected this check without any explanation as to why. I followed all of the proper procedures in depositing this check by taking clear front and back photos with all four corners visible. I endorced the check as instructed by signing it, writing my account number and noting " For mobile deposit only, Simple ''. Now I am unable to cash this check since I wrote " Void '' also as instructed on the front after making the mobile deposit. This will cause my rent to be paid late and incur additional charges while I request and wait for a new check to be issued. This I believe to be in tree retaliation to my complaint made yesterday regarding there handling of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: MD
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:
It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : 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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : 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 2021-07-08
Company: EQUIFAX, INC.
State: NJ
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 am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXXXXXXXXXX  Account # : XXXX XXXX Account # : XXXX | XXXX  XXXX  XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/2020 I spoke with the customer service representative and stated that I was having trouble making payments due to being furloughed because of COVID-19. He stated that I could make a payment as soon as I could.I made the payment. I was experiencing more furloughs and could not make the payment. I contacted the store to set up arrangements. She stated that the system was down and she could not access my file. She said she would contact me when the system was working again. I never received a call. I then received notification that there had been changes to my credit report. The company reported me 30 days late. Now they added another 30 days late. My payment record was perfect until the pandemic. I could not understand why they would report to the credit bureau 60 days late during this time. Now my credit score has dropped significantly. They are now calling my job and my phone constantly. When I answer the phone they won't say anything. This is in violation of the Fair Credit Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a debt collection this past week, i dont know where it comes from or how to contact the company. I checked it and seems like comes from XXXX  but i had never own that company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # s : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: NM
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'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

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 2018-06-18
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I got a call at XXXX on XX/XX/18 on my cell phone from XXXX from " specialist XXXX '' from XXXX XXXX XXXX. The voicemail is for an ex-family member that was named by her first and last name. She hasn't been related to me for years and has never used my cell phone number as a contact, meaning this company knew they were contacting someone other than the debtor. The voicemail was quiet for 4 seconds before " Specialist XXXX '' began speaking, indicating that it was a computer dialing. The debt collector is demanding a call back by XXXX today or " this will proceed to the next step that will directly affect you. We will continue to to take all available actions to get this matter resolved ... make this a priority to respond to this message at XXXX. My direct extension is XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: AmeriHome Mortgage Company, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the Covid-19 Pandemic, I had to file Chapter XXXX Bankruptcy in XX/XX/XXXX. I have an FHA loan. At that time my homeowners insurance was renewed. This made my payment increase $ XXXX a month. I called the mortgage company to get the homeowners insurance removed from my escrow account. Arrangements had been made with my insurance company to bundle auto and homeowner 's insurance together, whereas I would get a discount. I called my mortgage company several times and made numerous requests to have the homeowner 's insurance removed from my escrow account. Finally, about a month ago I was told I had to submit my request in writing. On XX/XX/XXXX, I submitted my request in writing. Today, XXXX XXXX, I called the mortgage company only to be told that I could not remove my homeowners insurance from my escrow account because FHA loans require this. 
Meanwhile, never during any of these phone calls did anyone let me know that I had missed a mortgage payment. ( 2 actually ). For some reason if you are in a bankruptcy, you are not afforded the same notifications as other homeowners. I can not access my online account because I am in a bankruptcy, nor can I make a payment though my online account due to the bankruptcy. 
Then on XXXX XXXX, I receive an email ( 2 days later an actual letter ), from my bankruptcy attorney, stating the mortgage company is requesting a Motion of Relief due to being 2 months behind in my mortgage payment. The first payment that was missed was in XX/XX/XXXX. I was never notified or told. Meanwhile, I am being billed for the new payment amount for the homeowner 's insurance and no one is telling me I can't get it removed from my escrow account. It seems that if you are in a bankruptcy you have to do everything and they don't have to give you any type of information. They constantly sent me to the wrong department, no one there knows what they are doing. 
I am in a bankruptcy for the arrears, but am still responsible for the remainder of the loan. 
Most dangerous of all is, I could lose my house due to there incompetence.

Company response to consumer: Closed with explanation