BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
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:
Continuously getting misleading feedback on the accounts being reported on my profile WITH ALL errors POSTED. I HAVE ALREADY FILED A COMPLAINT TO THE FTC OF THESE DECEPTIVE PRACTICES OF XXXX. 
These Accounts are DECEPTIVE & IN STEPS TO CIVIL LITIGATION XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called in XXXX of 2020 to get my name removed as auth user on this account and was insureds it was done and then also in XX/XX/2020 and was told that it was no longer on there but it is still showing

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 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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 have disputed the listed inquiries on several occasions, recently back in XXXX of 2020. I have not opened any such accounts with the listed inquiries. Please review and dispute on my behalf, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have visited XXXX XXXX ( on the last weekend to buy a new car from XXXX XXXX XXXX They had promised to charge interest rate@3.99 % on invoice price but the document mentions 3.99 % on all tax loaded price. And there was no agreement of down payment which is inserted in the final price financed as " Total Sale Price ''. 

I have completed loan application under financing through toyota finance but since it got late for the PDI inspection the delivery/ pick up is scheduled for Monday morning. 

Please advise us the options. Should we contest the anomaly in documentation? Are we under any legal bonding? Can we walk out on the agreement if we have not taken physical delivery of the car?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: I.C. System, 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: Information belongs to someone else

Complaint:
On XX/XX/2018 creditor ( I C Systems ) added a derogatory remark to my XXXX  profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( I C Systems ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!

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 2019-08-16
Company: JPMORGAN CHASE & CO.
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: Problem with customer service

Complaint:
I opened a complaint regarding a FCBA disupute, CFPB Complaint XXXX-XXXX.   Chase mishandled that complaint by issuing a credit as a 'courtesy' rather than a permanent credit as required under the FCBA. Additionally Chase apparently conflated another consumer's compliant with mine and their letter resolving the above captioned complaint contains assertions regarding a fraudulent application and two credit bureau inquires.   I have never made a complaint or assertions relating to a fraudulent application nor credit bureau inquiries. I have written directly to Chase on this date as well requesting such clarifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXXand 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Paypal Holdings, Inc
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
PAY-PAL has fraudulent unauthorized charges on my acct # for XXXX  for {$690.00} they will not give me the last four digits of the card used, address, was I charged or did it go through. Complaint # XXXX attaching supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BARCLAYS BANK DELAWARE
State: NY
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 never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. 

Barclay. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX  XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? 
BARCLAYS BANK DELAWARE, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. You

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 2020-11-19
Company: The Best Service Co.,Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.

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 2020-11-06
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:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2020-05-18
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: Information belongs to someone else

Complaint:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.

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 2019-05-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I purchased a car with Chase Auto Finance in XX/XX/2017. In XX/XX/2017, I was diagnosed with a XXXX XXXX. I have had to date XXXX XXXX on my XXXX to rid the XXXX. Unfortunately, I was late on my car payment. The account did not go 30 days late but, it was late. My income was reduced drastically, I went from making XXXX a year to XXXX. 

Moving forward, I was injured at my job. I fell and XXXX my XXXX, XXXX my XXXX   XXXX. I reached out to Chase and asked for a deferment in payments or reduction. I was denied, and I was told that because Im late every month is why I can not get a deferment. Chase has been well aware of my hardship, and has not made any attempt to assist me. No one in their right mind would willingly occur late fees. To feel as if Im being scolded like I am a child, when I called is obscurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Credit Plus Inc
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WYOMING XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX  XXXX XXXX XXXX MD XXXXXXXX XXXX Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX XXXX  I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX it was brought to my attention that my cars title was showing as lemon law manufacture buyback/salvaged. Upon further research is seems on XX/XX/19 the title of my car was transferred from my name to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX to inquire how this could happen as Im in a current lease and the car has never been sold. They said it wasnt their fault, but this puts me in a bad position of having possession of a car that me nor the lease holder are showing as owners. I can not drive a vehicle without proof of ownership yet am paying on a lease for a vehicle that somehow my title was transferred to a different party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company oportun XXXX XXXX XXXX XXXX CA XXXX put a XXXX XXXX   judgement against me for loan I never had I sent them my driver license ssn police report and sign afadavit this wasn't me I had my bank account debit and identy stolen they need to take this off asap .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America

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 2020-11-19
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
company emailed me and said they could not deliver it. i had written them letting them know we had fires, toxic severe smoke, were on a lockdown and this household had covid. they were supposd to deliver it two months earlier but never replied, then one day i get the email saying the couldn't, so account was to be closed. they cancelled. yet, they not only kept the charge acct active but they ruined my credit and imposed late fees on a fraudulent charge. i am seeking interest in the amount of 1.2 percent each day account remains open from the date they opened it, the credit report not fully repaired, and for time spent emailing and repairing the credit in total of XXXX i am also seeking arbitration through Fair Shake and a class action attorney and have reported this to CA, SEC XXXX and DA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My file was never sent to Underwriting and the lender made and requested to amended my ( Home Insurance ) and positioned themselves as the lien holder even though my file was never sent to underwriting.

I applied for a VA IRRL Streamline and decision after 45 days of my file being submitted and application completed an email was sent that I had late fees assessed and that was why my file was not submitted to underwriting.

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 2019-08-16
Company: PROVIDENT FUNDING ASSOCIATES
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted on XX/XX/XXXX by XXXX XXXX XXXX in regards to scheduling a signing of Mortgage loan assumption paperwork issued by Provident Funding, the current holder of my Mortgage note. I called Provident Funding on XX/XX/XXXX and asked them if they would please send me a copy of the documents so that I may review them prior to scheduling a signing. They stated that they would send me a copy via email. To date I have not received a copy of these documents, also, to date, they have refused to send me a copy of the loan documents, stating that the loan documents do not yet exist.On XX/XX/XXXX I contacted XXXX XXXX to schedule a closing/signing on the mortgage loan assumption. I gave the Title agent my availability for XX/XX/XXXX, any time during the day until XXXX XXXX.Provident Funding has refused to send me a copy of these assumption documents unless I first agree to schedule a signing date and time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Collins & Hilton Asset Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Collins Asset Group claims I owe them $XXXX for a car loan from XXXX XXXX  XXXX. The account number is XXXX. I don’t know anything of this account. I disputed this account on XX/XX/2019 as a fraudulent account and Collins Asset Group sent me a fraud contract with false addresses and fraud drivers licenses, and other fraud documents that I’ve never seen before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
On XX/XX/2019 I called Bank of America to inquire about balance transfer offers because my online account page said I needed to contact them to provide more information on my account. After providing the information requested, they responded by lowering the credit limits on the two cards I have with BofA by over $4,000, or basically all of my available credit. The reasoning was that the amount owed on one or more of my cards was too high. One card was at about 50% of the limit, while the other was near 70% of the limit. When I asked what an appropriate debt to limit percentage was, to avoid this issue in the future, they said they were not able to share that with me, and that there was nothing they could do about the credit limit decrease. My feeling is that the real issue is that I have used low or 0% balance transfer offers to keep my interest rates low on my accounts. BofA has increased my credit limit and even offered me a new card in the last few years, and continued to extend 0% balance transfer offers up until XX/XX/2019. It seems they view me as a credit risk because I keep a low interest rate. By lowering my credit limit they have now increased my debt to credit limit ratio, which will negatively effect my credit score until it is paid off. My interest rate on the debt I carry with them will now rise from nearly 0% to over 25%. This is absolutely predatory lending. If they didn't want me to use the 0% balance transfer offers, don't extend them to me, but lowering my credit limits seems counterintuitive to the reason they gave me for why they were lowering them in the first place.

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 2023-01-06
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my 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