BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: U.S. BANCORP
State: FL
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Charge Off US BANK XXXX Date opened XXXX XXXX, XXXX Balance - // Late Close

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 2019-04-23
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow annual analysis dated XXXX XX/XX/XXXX. My property taxes have DECREASED since last year by {$9.00} my insurance has DECREASED by {$10.00} yet my escrow has increased by {$33.00}. Every year since XXXX this institution has been steadily increasing my payments. Im an unemployed XXXX XXXX veteran on a fixed income. This is absolutely not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I gave back a XXXX XXXX XXXX back in XX/XX/XXXX to XXXX of XXXX XXXX. It was given back as a early lease return. Never heard anything back from the finance company, which is Toyota Motor Leasing. I saw on my credit bureau that it is showing as open and current. That I am paying as agreed. That is false. It specifically states that the last payment was made in XX/XX/XXXX. I haven't made a payment since XX/XX/XXXX when the vehicle was returned. This makes it look like I am still driving the vehicle and making current payments. When I contacted Toyota Motor to have them fix the information being reported, they stated that the account is no longer their 's. They sold it to a collection company by the name of XXXX XXXX XXXX XXXX. Never heard of these people. Toyota said that in their records this account is closed and that they can not speak to me at all about it. I have to contact XXXX XXXX I stated to them that if they sold the account to a collection company then how can they still report it as being open and lie saying that I am currently making payments. They stated that would contact the credit bureus to reflect the account as being closed, not open. I asked then to send me the proof. A cancelled check. A debit card payment. Any proof to show that I have been making payments. They never did because it is not true. I have did numerous disputes through all XXXX bureaus to fix this problem. The credit bureaus didn't understand neither why it's showing as open and Pays as Agreed '' when it specifically states last payment made was XX/XX/XXXX. Even that is wrong because the vehicle was given back in XX/XX/XXXX. I need someone to help me. It seems like nobody wants to help the consumer. The creditors are always right even when they are wrong. The credit bureaus don't request any proof when sending disputes. They just send the dispute. Even if the creditor responds back as accurate, they don't ask for proof. So it's like the creditors are correct at all means. This is why there is so much fraud going on. This is why I had a fraud alert put on my bureaus because someone used my information and the credit bureaus did nothing about it. Till this day Toyota has not sent the proof that I am currently making payments. They last reported on XX/XX/XXXX that I made a payment on XX/XX/XXXX. I would like if someone can help me. I have sent over 4 disputes through all 3 credit bureaus. Toyota keeps denying and reporting that I am still making payment. But will not send me proof nor send proof to the credit bureaus. This false information is hindering my life. How can Toyota and XXXX XXXX try to get money from me for the same account. If Toyota sold the account to the collections company then it should be showing as closed on the bureaus, not open. Because it's not open. It should not be showing current payments being made because the last payment was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to the fact that I am a 100 % XXXX veteran, my student loans are paid in full. The credit agencies are still showing a balance.

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 2017-09-07
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son and his mother my ex wife filled out rental app for student housing with the XXXX XXXX XXXX and put my SS # by mistake all other info is my sons not mine.They have called the XXXX and Pro Collect as have I to explain this this is not my debt and I would like it remove from 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 explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i made a stop payment on a account threw my online wells fargo account i aslso filed some disputes online, soon after i claimed a stop payment i recieved a call from the dispute center saying she is suspending my debit card for 12 months, i was frustrated but asked to send me a new debit card since they think mine has been comprimised they refused to not only did they refuse but they also suspended my savings card for 12 months also and all my savings card was used for was saving money or cash allowance from a atm, so i opened a new account with a new debit card, was told even when i recieve my new card it will be suspeded also, this is so comunist and probably breaking the law i need this resolved either re instate my card or send me a new one without suspension

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 2018-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
Hello, I've tried to dispute a XXXX XXXX collection item with Portfolio Recovery Associates through the BBB. As they are reporting as a Factoring Company. I've attached the response from Portfolio Recovery Associates where they state that they are not a Factoring Company and do not report or consider themselves such. PRA requested a copy of my credit report in order to verify/rectify the issue and I sent it as requested. The account was also Settled In Full and closed however it is not reporting as such. Today XX/XX/18 I received a letter from PRA stating that my  complaint has been resolved and any future complaints would be ignored however the issues are still outstanding and negatively impacting my credit. Any assistance would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-09-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I currently have a credit card with Chase credit services and is the XXXX ( XXXX XXXX ) credit card. I have had many issues with the credit card but the latest have been personal retaliation towards my credit card. I have no one to help me or advice me on this matter but let me further explain. Since I use this credit card for my everyday expenses the credit limit is XXXX XXXX. But is not maxed out and even though i always make between XXXX to XXXX dollar monthly payments I cant seem to ever lower my debt and my point or rewards never change either. I called them today to see why they always block my card as well as to ask them for a credit increase and the first representative denied me this information I am assuming this was cause she didnt have all my information available as she was located abroad. I asked for her to transfer me to a representative in the States as i knew they always have more information specially regarding my personal account and he did. The second rep was great and provided me with the date of my latest increase request and this is where the problem start. I requested him with his legal department as well as as an email where i could make a formal complaint regarding my credit reporting from them as well as i personally told him i believe they are not treating me fairly and he just provided me with a fax number that doesnt work as well as XXXX XXXX XXXX. Not even XXXX minutes have passed by when i get a XXXX point decrease on my experian credit report. Chase credit card services have always decreased my credit score right after i make a complaint regarding the services they provide. I am not joking and you can check the times i called as well as when i get the experian notifications I even have proof of it on my phone. I am formally accusing Chase credit card services of lowering my credit score for complaining to them for irregularities they are doing to my account and this all include, payments i have made them not posting them, credit decrease for questions and complaints i have, not providing me with information i request, I also accuse them of not treating me as a regular customer and they always seemed to know who i am for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2023, I received a letter from, First National Bank of Omaha ( fnbo ), informing me of an increase in my interest charges. 
In the letter they stated that they obtained my credit score from XXXX on XX/XX/2023, and based on that score, which they stated was " XXXX '' my interest rate is increasing to 27.24 % starting XX/XX/23. 
When I checked my XXXX account on XX/XX/23 for scores, I found my score to be XXXX not XXXX. 
I then checked my report, from before XXXX ( XXXX ) and it was XXXX, I then checked my report for XXXX again it was XXXX. 
I called customer service and explained to them that my XXXX score was XXXX not XXXX and asked them where they got their score from. They completely blew me off and told me that if I had an issue, I must contact XXXX. 
I contacted XXXX and they said my score was XXXX. They also told me that fnbo was using XXXX Data not XXXX Score and using their own formula to get the XXXX and could not tell me which scoring model they used. 
I did have my report sent to me. 
I called fnbo again, and told them what XXXX said about their score, they insisted that they were using my XXXX score to wich I replied but it is XXXX not XXXX. Again, they said if I had a dispute, I had to take it up with XXXX. 
After receiving my XXXX credit report still showing my score as XXXX. I discovered that fnbo accessed my XXXX credit report on XX/XX/23 not XX/XX/23as stated in their letter. 
So my complaint is this, First National Bank of Omaha is not using XXXX XXXX to make the discission to rase my interest rate as stated, but they are using their own formula to create their own score, to raise rates on an account that has never been delinquent or over drawn.

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 2021-10-07
Company: Convergent Resources, Inc.
State: CA
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2017-03-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I started a dispute via PayPal for an XXXX purchase. Paypal told me that they would refund my money as soon as returned the item. I returned the item provided PayPal with evidence of return via XXXX tracking and a picture of the package with the tracking number and return address. Paypal is denying my refund saying I did n't return the item even though they have pictures of the return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX inquiries on my report that were fraudulently placed there. Ive contacted the creditors and the credit bureaus. Ive sent an FTC and a police report to Transunion and the fraudulent activity still remains on my report. Ive spoke to a manager at Transunion who told me there was nothing that she could do and even though the information was fraudulent it will stay on my report for XXXX  years.

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 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently relocated to the US in XXXX 2017. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under Transunion and 5 under XXXX  ). This was done without my approval and without even informing me.

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XXXX XXXX 2017 which is the date I was in the dealership.

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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am getting a new debit card in the mail. Its the weekend banks are closed today Sunday XX/XX/2021. I can not access MY OWN money from wells fargo because the phone number on file, which is mine, Is not verified and i can not access the digital wallet. I explained to them I have a XXXX  and Im trying to take out my money because we obviously cant starve. They told me wait until tommorow. I said no I want my money today. Wells Fargo couldnt verify my identity through the phone even though i provided everything, my social, my address, account number, phone number. So Im stuck here at home trying to borrow money from anyone since wells fargo doesnt let me take out my OWN money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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: 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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