BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2019 my car was declared a total loss by the insurance company of the company that hit my car. The insurance company paid the Since that time, the trucking company that was responsible for totaling my car paid Chase the amount that was requested in there settlement letter {$11000.00}. Chase still requesting additional money from both me and the GAP insurance company. In the meantime they have been reporting me as being delinquent on my credit report for which I had never had a late payment on this car note. This has created a terrible hardship for me because I am still without a car and now my credit is reflecting as poor and I have no real hopes for being able to purchase at a fair interest rate. The Gap company has issued a check to chase for which chase claims not to have and says it won't be enough and they will continue to report negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XX/XX/XXXX, we apply for a Loan Modification with Bank of America because of Financial Hardship in our family and they sent us the paperwork fast to start completing  documentation in a timely manner. XXXX XXXX is our point of contact for any questions, concerns, etc. and his information will be in included in the uploaded document. As of today XX/XX/XXXX we already sent ALL the documentation needed to complete our Loan Modification process and a few days ago BofA sent us an important information that our Home Loan will transfer to XXXX   XXXX XXXX, a division of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Based of customer reviews ( many reviews on their websites ) XXXXXXXX XXXX XXXX, a division of XXXX XXXX XXXX, XXXX after receiving the home loans from another financial institutions they ALSO transfers the home loan again until the customer is at the point of no return to their houses because the monthly payments are " impossible '' to pay. 

My understanding and per our Reforms in the California Homeowner Bill of Rights BofA can't  transfer our Home Loan to another Servicing/Lender. I keep calling and leaving messages to XXXX XXXX via phone, email and I also needed to escalate to the Call Center Manager asking for XXXX XXXX 's Supervisor. I sent a message to XXXX 's Supervisors and I still not getting any answers from any of them. 

Then after, I called the Customer Service extremely worried an one of the Service Representative from BofA told me that usually this is been happening very often in the last two years with BOFA ( sending letters to customers letting them know their home loan will transfer to another servicing/financial institution ) but at the end and almost 24 to 48 hours that transfer is cancelled without notifying the home loan customers, its very confusing and I don't think it's the right thing to do. We are currently living on our property and its a single family own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
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:
I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX XXXX  # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion reporting incorrect dates on file causing a XXXX point reduction in credit score. They are treating old accounts as new delinquencies when they are over XXXX years old. Disputed once previously and was corrected but issue keeps repeating.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-18
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter for debt verification to Transworld Systems Inc. and they wrote me back stating I had a XXXX balance. They also attached a Statement of Account from 2015 showing a zero balance. Where is the contract with my signature on it? Transworld did not provide this information because they don't have it because I do not owe this debt! This frivolous claim is effecting my credit. If they can not provide a contract with my signature on it, then I want this frivoulous claim removed immediately from the three major credit reports, XXXX, XXXX and XXXX immediately. This debt has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-01-29
Company: BARCLAYS BANK DELAWARE
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 status incorrect

Complaint:
On XX/XX/XXXX, per a court order, I have been paying on two accounts from Barclay Bank Delaware to XXXX XXXX, Attorneys at Law. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two Barclay Bank Delaware accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors Barclay Bank Delaware. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to Barclays Bank Delaware. Since the beginning of this, Barclays Bank Delaware has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: CA
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:
My XXXX card XXXX was charged a {$490.00} membership fee and {$75.00} additional user fee on XX/XX/XXXX. Card was closed on XX/XX/XXXX, I am due a refund of both fees. The refund was not credited to 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX A XXX Opened XX/XX/XXXX Balance {$420.00} ; XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance {$420.00} Opened XX/XX/XXXX Balance {$420.00} ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CITIBANK, N.A.
State: MA
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:
This account has a lot of missing information to tie this up to me. I have been disputing for awhile now and I am still getting this kinds of account. I am trying to get help here. Clearly if you will just take a look, this reported account is empty and invalid.

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 2017-10-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
BMO acquired Bank of the West. I have a credit card in Bank of the West.

They terminated the support for Bank of The west app and forced me to apply for BMO account. It was possible only via web interface.

They did not notify me in any way that Bank of the west app would be unsupported. 

When I logined using XXXX XXXX XXXX XXXX I noticed that they failed to collect payer account information and I needed to add it again manually. 

This acquisition is the failure. I assume many people call them and the call center is overloaded but they af course charge late fees and interest. 

BMO is the scam. I already filed a complaint about them how they deceive when you open CD and they charge you the balance above the potential interest if you terminate earlier. They also don't hesitate to manipulate with credit cards.

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 2019-12-09
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
My complaint is for Visa Vanilla gift card. I received a {$25.00} gift card a few months ago, and recently on XX/XX/19 I decided to use it for a XXXX order. My total was {$8.00} so I still had {$16.00} left on it. The following day when I went to use it at a clothing store the gift card declined twice, I didn't think much of it as I thought the machine did not read the card correctly. Later on, I checked the card balance online hoping the card reader at the store had been an error. To my surprise the balance was in fact {$0.00} because after my XXXX purchase a merchant under the name XXXX took out the whole {$16.00}. Concerned, I called the number on the back of the Vanilla gift  card to clear up this situation. A man with a thick accent answered and told me we could file a dispute, he collected my name, phone number, email address, and physical address. Only to tell me I had to email my information to XXXX with all the information I had just provided him. This is all very sketchy, how can a fraudster obtain gift card information so easily? I pulled up that email address above and found many people with similar situations to mine with Vanilla gift card. These are all red flags and something must be happening at that company. I did not email them my information as I was dissatisfied with the level of unprofessionalism with which my concerns were addressed. Who knows what they will do with my information now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under anzsk open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Dispute Department : I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 

Account Name : RADIUS GLOBAL SOLUTIONSXXXX XXXX XXXX XXXX Description of Dispute : ( not my account, I have no recollection of that occurring, etc. ) This is reporting and a medical bill. The account does not belong to me. 

I am requesting that you remove this information from my credit report. 

Thank you for your help in this matter. 

Sincerely, 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 2019-12-09
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis has not properly investigated the public record item enclosed. I am requesting it be removed from my report pending a thorough review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2017 filed Chapter XXXX. XXXX  XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XXXX shows on XXXX as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.

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 2023-03-20
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a notice from XXXX that I had a new derogatory mark on my credit. When I checked to see what it was, it was a balance of {$270.00} from Credence Resource Management. I do not recognize this debt as I have never received any communications whatsoever regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Financial Recoveries Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below. Please take this matter very serious Financial Recoveries Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief