BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: TOYOTA MOTOR CREDIT 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX shows 30 days late payments on XX/XX/XXXX, XXXX & XX/XX/XXXX while XXXX & XXXX shows 30 days late payments on XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions 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:
TODAYS DATE:XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-03-16
Company: EQUIFAX, 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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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:
I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2020-09-16
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted Cash App at the following number! XXXX. All communication was done via text. I was just trying to send my girlfriend XXXX for a plane ticket to fly from XXXX, Ohio to XXXX XXXX, TX. My Banks XXXX and XXXX lookup the action of this cell phone application as a scam and or fraud and blocks all attempt to withdraw funds from any account. I have attached the entire text of our deals to this compliant in PDF form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Compass bank must of altered their sign in webpage because of " years '' of being able to log in, i suddenly was unable to on or about XX/XX/XXXX. I spent a great deal of time trying to reset this and that according to their webpage. I found myself in a futile loop. I then called the number ( s ) and spent a great deal of time going through extensions, hanging up and recalling when i got to dead ends. I found myself in a futile loop. When i finally got a person on the line, i spent more unnecessary time with him. I followed all the instructions and again " we were in a loop ''.

The problem is that the security question page is faulty for the form field options of questions 2 and 3. See pic attached. The compass guy said he would get this fixed and contact me. But I have heard nothing. 

I sent complaint to XXXX banking people and told me to contact the XXXX banking people. The XXXX banking people have not responded to my email. I made some more calls to Compass bank and i ultimately get " beeps '' and no sounds. I have to then hang up. I sent Compass bank an email using a previous email address i got from them regarding another complaint last year or so. But I got no response. I again tried to log in and then recall Compass, and i am getting nowhere and nothing. Compass bank has intentionally kept me away from reviewing and monitoring my account via online, for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax on several occasions, filing a direct dispute with them. The last one being in XX/XX/XXXX. Equifax stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached my payment history showing this again. I believe Equifax is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have tried on numerous occasions to cancel my monthly subscription for credit protection with Experian only to be placed on hold for OVER AN HOUR!!! This is clearly a way to deter customers from cancelling their subscriptions that they trick you into when trying to check your credit score. This company preys on vulnerable people who are concerned about their credit and then ropes them into re-occurring fees that it is extremely difficult and burdensome to cancel. From my perspective this is very close to fraud. Please investigate these credit agencies and ensure that membership cancellation is accessible and easy ( online or have calls answered in a more timely manner ).

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 2018-02-28
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a secured card with Discover in XX/XX/2016 and was told they review to graduate at 7 months. I am at 14 months, have excellent history and have built up my credit. I have been preapproved for a new discover card for 2 months but keep getting strung along about this one graduating. I have called 3x to cancel but keep being asked to give it more time. I even got the " privilege '' of 0 % interest on my own $ as a tactic to not close my account though I have always paid in full. They have done away with the protections and shopping benefits they had when I got the card and the only thing I keep waiting on is the fact that if I close the card I have to wait 2 billing cycles plus 5-7 days yet if it graduates I can have the check in 5-7 days. All I want is my card to graduate. How am I good enough to get a new account yet the one funded with my own money won't graduate?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing dishonest employee XXXX XXXX DOES NOT properly investigate consumer complaints, her position is to deny any wrong doing to cover up the pretender lender loan servicer 's abusive loan servicing practices. We will address this issue in court with evidence. On XX/XX/XXXX, dishonest opposing counsel XXXX XXXX responded to my ( " CFPB '' ) consumer complaint honoring my request for Ocwen Loan Servicing and its dishonest employee XXXX XXXX to CEASE AND DESIST ALL COMMUNICATION WITH ME. On XX/XX/XXXX, Defendant troubled Ocwen Loan Servicing and defendant dishonest employee XXXX XXXX are guilty of violating my CEASE AND DESIST ALL COMMUNICATION DEMAND. Dishonest employee XXXX XXXX violated my CEASE AND DESIST DEMAND by directly communicating with me in writing failing to properly direct my consumer complaint to its dishonest opposing counsel so he can directly communicate with my attorney of record. On XX/XX/XXXX, dishonest opposing counsel responded to my ( " CFPB '' ) consumer complaint denying any such CEASE AND DESIST ORDER, once again, attempting to shift the blame on the plaintiff. We will address opposing counsel and XXXX XXXX troubles in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
EMAILS SAYING I OWE THEM MONEY AND IF I DONT PAY IT. I WILL BE LAID OFF FROM MY JOB THEY WILL HOLD MY SS NUMBER I WILL NOT GET MY PAY CHECKS, I WILL NEVER GET A JOB AGAIN AND I WILL BE ARRESTED IT IS A DIFFERENT EMAIL EVERY TIME, THEY DONT GIVE ME A NAME OF WHO IS EMAILING IT. JUST LEGAL ACTION WILL BE TAKEN. I CAN LIST THE EMIALS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi recently changed its rewards program for the XXXX XXXX XXXX. The changes include a {$250.00} air travel credit. The language on the terms and conditions implies that the credit for the year is valid throughXX/XX/XXXX of each year, which convinced me to keep the card and continue paying a high annual fee for it. 

However, after making a {$370.00} air fare purchase ( specifically due to this benefit ) on XXXX/XXXX/XXXX, the customer service department informed me that the XXXX credit expires on XXXX XXXX rather than at month end. This is intentionally confusing and designed to be mislead consumers into not being able to utilize the benefit.

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 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
My name is XXXX XXXX. I am disputing a charge on a bill Capital One sent to me on XX/XX/2021. That bill includes a charge for {$1200.00} to XXXX XXXX. This amount is an error. I have explained to them in detail about this merchant. We also did a conference call with the merchant and XXXX on the line recommending that they refund me back my money and Capital One refuse to do so because they are wanting a written consent from the merchant who told them that they will not be sending a written consent. Capital One then took upon themselves to say they can not refund me back for services that were not given because they do not have the funds back from the merchant. XXXX has recommended they have already refunded me back which they did and because Capital One can not get it back from the merchant they want me to pay for it and will not reverse the charge back. I refused to pay for services that were not given to me, so I sent them a letter as the first step in asking that the charged be removed from my account. I have three recordings on all calls made to the merchant, myself, wedding planner, and XXXX informing Capital One of the dispute and the refund that I have saved for proof of evidence. I have also sent them supporting documents with proof of evidence via email as I was instructed to do. This makes Capital One second time doing this to me because it also happened on a {$300.00} charge for a cake deposit that was paid that they also closed on me. 

I paid XXXX XXXX to decorate my wedding on XXXX XXXX. My wedding planner reached out to the XXXX XXXX to see why he has not responded to emails and the contract he was to update to reflect the services he will be doing for me, and he told my wedding planner 17 days before the wedding that he no longer wanted to do my wedding. My wedding planner then asked him what he bought with the {$1200.00} he said he bought items to decorate for the wedding. She asked if she could come and pick it up. He said yes that he will call her back by the end of the day. The end of the day came no call, so we reached out to him no answer. We then called him the following morning to see if we could get the merchandise, he then told us he did not have it, so we then called Capital One to dispute the charge for services not given and this is where we are. I have been trying to resolve this matter and the last manager I spoke with XXXX id : XXXX on XX/XX/2021 told me there was nothing they could do. I then told her to close my account until this is resolved before I make anymore payments to Capital One. I have been an excellent paying customer for quite some time and can not believe I am overseeing a charge or service that was not given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23
Company: REGIONS FINANCIAL CORPORATION
State: MO
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:
My credit report was pulled without my consent with this company and I requested for it to be removed. I know I dont recall authorizing this inquiry and I do understand that they shouldnt be allowed to put an inquiry on my file unless I authorize it. This is infact causing damage to my credit. I didnt sign anything giving them any permission to pull my credit nor did they tell me they were going to pull my credit and nor did I authorize them to.

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 2021-02-12
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX.XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against TRANSWORLD SYS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation