BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

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 2020-05-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company made an error on the closing documents and added an {$18000.00}. tax loan the previous owners were paying off prior to closing, by adding to my tax 's so the escrow account showed I owed over {$200.00} more per month. I have tried getting it corrected from day one at signing. I was told due to the type of loan it would be corrected shortly after closing. It has been 3 months and I have received many excuses on why it can't be done. I am now being told to continue to pay the extra amount until they do a tax review in XX/XX/2020. That is 9 months since closing and the extra amount is causing a hardship. I have sent several messages to the current mortgage company which it was sold to on XX/XX/XXXX and have not received any responses.

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 2017-09-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I was previously a lease holder through Toyota Financial Services for a XXXX XXXX XXXX XXXX and turned in the vehicle off lease for a XXXX XXXX XXXX XXXX in XX/XX/XXXX. I began receiving calls from a debt collector at XXXX XXXX in approximately late XX/XX/XXXXstating that I owed $ 400+ dollars from my XX/XX/XXXXlease relating to a missing key when the car was turned in off lease. The address he had on file, as provided by Toyota, was the incorrect address despite me being a current account holder with Toyota for the XXXX XXXX XXXX and receiving bills each month to my correct address. I provided my current address ( not knowing who he was ) to receive a copy of the bill. I was told this was sent on XX/XX/XXXXbut this was not received at my home. I received 2 additional calls from XXXX XXXX. He then suggested I consider speaking with Toyota Financial Services. I called the number at Toyota FS provided by XXXX XXXX and was told by XXXX XXXX in recovery at Toyota FS that she could  provide me no information on my account and that I had to speak with the debt collector at XXXX XXXX and Toyota would not send me the bill. I requested to speak with a supervisor at Toyota FS and was told a supervisor was not able to speak with me. I offered to provide a call back number and was told they do n't make outbound calls. I then offered to wait on hold and was told they do not allow people to wait on hold. So, I am now at a point where I am being called repeatedly by a debt collector, have no way to validate this money is indeed owed through the receipt of a bill and Toyota Financial Services sent me to a debt collector due to not having appropriate records for this amount claimed owed for a missing key when they do have my address for the car I pay monthly for that I traded the old vehicle ( with the supposed missing key ) in for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 inquiries on my 3 credit reports that should be cleared due to filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a debit card from Bank of America on XX/XX/2022 that I did not apply for. I called Bank of America on XX/XX/2022 and requested that the card and account be cancelled.

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 2021-04-09
Company: Grain Technology, Inc.
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:
This issue is about Trygrain.com The bank account I had on file that determines my credit limit and that I make payments from had closed. So I attempted to contact support to help me change the account since it won't let you change it directly through the app for some reason but I keep running into problems with their customer support team. 

I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX with no assistance provided. 

They gave me a payment link to make a payment, which I made on XX/XX/XXXX but I tried using the link again to make a payment but it says that the link is invalid. 

I need to have the bank account that's on file changed so that I can continue making my payments and using their services. This delay caused my XXXX and XXXX statements showing that I'm using 80 % -100 % of the credit offered which affectively dropped my credit score.

This is turning into a real nuisance which is affecting my credit which I've been trying to fix, that's one of the reasons I was using their service in the first place. I'm also racking up late fees, and interest. 

Another issue is their payment options, the payments that you can make are based upon your bank account balance. On XX/XX/XXXX, and XX/XX/XXXX I ran into an issue where I couldn't pay my statement balance to drop it under 30 % because it wasn't updating my account balance. It showed a lower balance in my checking account so I was limited to making a payment within that limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase. 

I had been using them since 2017. Back then I bought XXXX for under a dollar. That's appreciated quite a bit since then. 

About four months ago I had a data breach. Someone remoted into both my computer and phone. So I purged all my data to keep it safe from the scammer. It worked. My funds were safe. They still exist. 

Since then I have been contacting Coinbase almost weekly to recover my account. Because their site forced me to use 2FA on my phone I haven't been able to recover my account. 

I've informed them tat I have current ID and a social security card to recover. They haven't even tried to help. 

Right now I don't even have enough money to spend on a pack of cigarettes. 

I can prove who I am, I've been in contact with them, they refuse to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX Accounts : XXXX Accounts : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: STERLING JEWELERS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I requested an original Contract from XXXXXXXX XXXX XXXXXXXX in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I informed the CRC 's XXXX, EQUIFAX, AND XXXX that they were furnishing information on my consumer report that is indeed a result of identity theft. Each CRC has failed to adhere to the federal laws one of which is to block information resulting from identity theft within 4 business days of notification. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: JPMORGAN CHASE & CO.
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've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from XXXX XXXX XXXX in XXXX of 2018. The apartments attempted to have me illegal XXXX after I already told them I would be moving out. Once I moved out the filed an XXXX   case against me. I attended the court hearing paid the balance that was owed and the case was dismissed. The amount that was owed was {$1300.00} not the {$4300.00} being reported to XXXX. Under the fair credit reporting act it is illegal for debt collection companies to report inaccurate debt to the credit bureaus. I have requested that this information be removed from my XXXX credit report several times and they continue to violate my rights under the fair credit reporting act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: VA
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 don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a CitiBank account at the end of XX/XX/2019 and decided to close it in XX/XX/2019. I asked for closing all my Citi accounts twice by online chatting. After they send me a check, there is a XXXX cents positive balance on my account, and I shredded all documents related to Citibank. 
They sent me a letter recently claiming that I had an overdrawn of XXXX dollars. I asked for a statement to verify this overdrawn transaction, they refuse because I can not provide the bank original account number. I believe Citibank is still charging bank fees after I closed all accounts.

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 2023-03-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I found out that my checking account where I receive my salary and keep my savings was closed by TD bank without delivering any notice to me. After reaching out to their call center, I was told to contact the local branch where I had opened my account. On XX/XX/XXXX, I called the TD Bank on XXXX XXXX XXXX XXXX, XXXX, SC and spoke to the branch manager XXXX XXXX XXXX who stated that the reason for closing the account was that I had not updated my ID with their bank for the past two years. He claimed that it was the law and the banks policy and the clients responsibility to provide their bank with updated copy of their ID even when not requested. He claims to have sent me a letter and left me a voicemail which is false and I have not received any communication from him. 

Apparently, he had sent the letter to my old address even though TD bank had my updated address on file ( this was later confirmed by the call center and in the adress change confirmation message I received in XXXX ). He stated that he is absolutely unable to help me in accessing my money and that I should call the De-marketing team by phone and ask them to recover the funds. I called their number, but I can only leave voice messages. They have not responded to my message after 2 days. I called the TD bank call center and they informed me that they will try to reach out to the particular team and I was told to expect a check with the remaining balance on my account to arrive at least after two weeks from XX/XX/XXXX and that it is supposed to be sent to my new address but they can not confirm and will request that. 

I am currently locked out of all my cash for more than a week and unable to pay my expenses, bills and rent. I need immediate access to my money. 

I can not wait any longer to access my money as I am falling behind on payments due to TD Banks fault and mismanagement of my account. 

TD account details Routing # : XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The only borrower for a loan died - his estate ( being handled by his step-son ) is trying to sell this home through a short sale because the loan payoff exceeds the value for the home. 

The loan servicer, Ocwen, is demanding that the executor assumes the loan to proceed with a short sale. Why would someone, who is not legally liable for a delinquent loan which exceeds the value of the underlying asset, assume it? This is bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX I have applied for a Apple Credit Card twice. I make good money in my XXXX XXXX career. Apple has been proven that the algorithm has implicit bias that propagates to the end user. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  is my day job. 

https : XXXX At my income level, has a homeowner, car and 100 % on time payment history, one would think I would have a credit card. I do not. 

As I have gotten older I have found and understood that the credit system was first implemented in the XXXX. The algorithm remains unchanged and carries the minds and the logic of the software engineers at the time. No other country in the world ( been to XXXX ) has this system and it shows. 

I do not know why or what else I can or should do. What more does one have to prove to prove responsibility? Degrees? House? Car? XXXX XXXX executive career? XXXX veteran? 

I have achieved all of those. This needs a government audit. The damage to my credit score or my ability to build " credit '' can be calculated. This is textbook - Widen the Wealth Inequality Gap ; A Illogical Algorithm Ballard. 

Also, Apple is required by federal law to explain WHY they denied the application. Thy do not. They give options of what it COULD be but not what the actual reason is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( XXXX XXXX ). Ive made an agreement with XXXX to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to XXXX XXXX. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being XXXX stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that XXXX XXXX increased the amount and not deleted it. I tried contacting XXXX  in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, Transunion, XXXX, and XXXX Credit Bureau informed me until XXXX XXXX sent something to them the charges will not be removed. Please assist!

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