BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold my car to a dealer they contacted chase auto lending ( XX/XX/21 ) to ask for a pay off amount which was {$44000.00} I was told of XXXX XXXX ( new car dealer ) sent the full amount of sale {$63000.00} the excess would be credited to my checking account in less then ten business days. Chase revived the check XX/XX/21. I contacted chase on XX/XX/21 and was told they had not received the check, I then went into the dealership to ask for information as to when the check was sent and a copy of the check as I was talking to the accounting department chase called them to verify the amount was correct and stated they would deposit the money in my account there next day. The money never arrived in my account I again called chase auto loan and was told because of the amount of the refund {$18000.00} they had to send a check ( XX/XX/21 ). I again contacted chase on XX/XX/21 because I had not received the check and was told they had placed an additional ten day hold on the check which expired XX/XX/21. After talking to a supervisor I was told she would contact their back office about getting the money released faster due to the fact it had already been under a ten day hold and I would receive a call back to confirm also that the check would be send XXXX. I never received a call back and the check never came so I called again XX/XX/21 and was told the funds have not been released because the back office hasnt signed off on it yet and they dont know when it will be released off who I should talk to. I was also charged interest for the ten days they had a hold on the check and was told my refund is now {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: DE
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:
I contacted Experian on XX/XX/2022 to remove comments from my accounts due to a pending mortgage and the mortgage company wanted them deleted. The representative did not remove the dispute comments and also opened new disputes which caused my credit score to drop XXXX. Called back XX/XX/2022 for resolution. Also requested to have an account deleted which has reached its 7 years statute of limitations. The representative stated that the date of delinquency changed and the date of deletion has also changed. I want this situation rectified

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX, XXXX I used my rights to ask Transunion to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information.On this day XXXX/XXXX/XXXX I 'm sending a final warning and it 's about them not providing information to report on my report legally. They did not provide me proof of verification.

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 2017-11-06
Company: Experian Information Solutions Inc.
State: MS
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:
The XXXX/ XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX XXXX XXXX , Experian ) never  validated the debts but allow them to report it to them an they put it on my report this is a violation of 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. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put 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 non-monetary relief
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: MS
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:
The XXXX XXXX XXXXt account ending in XXXX was on my credit report for years and the credit bureau 's ( Equifax , XXXX , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of 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. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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 did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx 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 2017-11-06
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is another complaint concerning Freedom Mortgage Co. XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX. The Customer Service representative I called today, XXXX Employee # XXXX, told me he could not provide me with anyone with authority such as a supervisor so that I may seek assistance from regarding the discrepancy in my Mortgage Statements for the monthXX/XX/XXXX- XX/XX/XXXX If a customer can not get assistance from a mortgage servicing company, or obtain the full name and contact # for someone in a position of authority to answer questions relating to her mortgage loan, how can this be legal? Can a private mortgage company deny its customers of the name of employees, supervisors, higher-ups who will be able to answer questions and be accountable for the mortgage accounts of their customers. Despite numerous requests to speak to and obtain the name and employee ID of any supervisor, XXXX Employee ID XXXX, said he is not allowed to disclose that information. 

I have a 30 yr fixed rate mortgage in which I pay {$1400.00} a month to Freedom Mortgage. My loan number ends in XXXX. I am not in default, have not been late on a single payment. 

On XX/XX/XXXX, I mailed, with a letter of instruction, a {$1000.00} extra payment to curtail my principal. Freedom Mortgage, on its own, set this money aside in an Unapplied Funds account for 2 weeks. I called on XX/XX/XXXX and spoke to a " XXXX '' concerning this extra mortgage curtail funds but did not get a satisfactory response. On XX/XX/XXXX, I called again and spoke with " XXXX '' who told me that my funds will post the correct account on XX/XX/XXXX. This has been an ongoing problem with Freedom Mortgage. 

Today, XX/XX/XXXX I called to request a free-of-charge Mortgage payment history from Freedom. I am told by XXXX that there is a discrepancy in the balance after my {$1000.00} curtailment. This has been an ongoing issue with Freedom not being very transparent about its employees and who is in charge and accountable for their clients. 

I would like to get intervention from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX  Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a balance of roughly {$2000.00} in my XXXX XXXX. The XXXX was suddenly closed several months back ; I have not been able to log into the XXXX XXXX for several months nor have I received any compensation for the balance that was there. I have attempted many times to contact XXXX customer service regarding the issue and they have not assisted me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: NC
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 spoke with XXXX from Equifax on XX/XX/2022. I was provided with a reference number XXXX and instructions regarding the deletion of fraudulent accounts on my consumer credit report. I followed the instruction and I have yet to get what I was promised. These fraudulent accounts remain on my report along with the XXXX XXXX late pays that was also demanded to be removed on that phone call that is also being reported inaccurately. 

Equifax is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It looks like the kia auto did 2 hard inquires under my name. One under XXXX and the other Nissan. Both companies are the same dealer to where I bought my vehicle. Only vehicle I looked at and bought was a XXXX. Two injuries should not be showing to my knowledge. Dates are XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open a bank account with Simmons and was told I wasnt able to and they were not able to tell me why because they didn't know that information and to get in contact with XXXX XXXX and see what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/XXXX a charge was made for XXXX online to a XXXX  company that I did NOT make. Immediately my phone notifies me of charges over XXXX and when I saw it, I called citi card asap meaning same day -he got me a new card that they should be aware of because someone used it for that and it was not me! They issued a security credit which they clearly didn't look into because they recharged me on XX/XX/XXXX! who got this XXXX? Not me? Not anyone I know. WHERE is their proof? Because it was NOT made by me. If they want an XXXX  in my XXXX to contact them on this, we can go that route too because I assure them they would be paying fees as this is not mine!!!

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 2021-06-10
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Toyota/ Toyota financial services/ Lexus fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. Toyota showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note Toyota held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by Toyota several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. Toyota did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by Toyota to defraud the consumer out of funds at the end of a lease. Toyota illegally and fraudulently reported and sold a paid off debt to XXXX XXXX XXXX XXXX XXXX. resulting in undue stress and hardship on me. I am sure Toyota has done this to others and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX on multiple occasions has attempted to and did swindle money from me, theh wrongfully report false credit information on the credit Bureaus and has not let me access the online account of my second vehicle. XXXX keeps hanging up the phone and will not respond to the claims and proof we sent them over fax they acknowledged the fax once then changed the story after. They keep sending letters harassing me and my son on the matter

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 2022-02-09
Company: ProCollect, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Today I am filing a complaint on Procollect of XXXX, Texas. The reason in being is because I received a letter from Procollect on XX/XX/XXXX saying I owed a amount of {$11000.00} due to a collection that was said I owed from a old apartment complex I lived at. When calling the collection company, I immediately told them that this debt was not mine and that this was dismissed in the court of law. Upon telling that to Senior Collection Agent XXXX XXXX of Procollect, I experience the most absurd, disrespectful, rude, belittling customer service I have ever experienced. Upon informing him that this debt had been settled he then yelled at me and accused me of being difficult. When I asked to speak to another agent he said that I would, get him every single time, and that he would falsely notate my account saying I was yelling and being rude. He also hung up on me several times. I was also told that I had until XX/XX/XXXX to file a dispute against this collection, however this collection was reported to my credit report and my father/guarantors credit report on XX/XX/XXXX. When I called to gather more information be aggressively asked me, Why do you keep calling being annoying? I then told him that I would file my dispute and would no longer contact them or their client and would like all contact to be stopped between all parties. 

Every customer service agent I spoke to was very dismissive, condescending, and rude. I only wanted to inform them that this debt was dismissed in the court of law and that no judgment had been found against me to pay this, so I dont owe it and to removed it from my credit report. I truly ask that this complaint finds someone who can stop this from happening to anyone else. This debt collector is illegally filing things to my credit report and I am asking that they be investigated and for this collection to be removed from my credit report until further notice. This company has many complaints filed for the same action they took against me and this needs to be stopped.

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 2018-01-18
Company: U.S. BANCORP
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:
Re : Fidelity Visa Credit Card, XXXX XXXX XXXX On XXXX/XXXX/XXXX I made an electronic funds transfer ( bill payment ) from my bank account to my credit card account in the amount of {$1000.00}. I did not receive an email confirmation on that day, nor the following day, nor could I find in my account information that a payment had been made. As such, on XXXX/XXXX/XXXX, I again made an EFT to my credit card account. 
Now, two debits of {$1000.00} are shown on my account, and apparently made at the exact same time on the same date. 
On XXXX/XXXX/XXXX at XXXX XXXX, I received 2 email confirmations showing debits of {$1000.00} On this date, I call XXXX XXXX  XXXX XXXX to request a cancellation or refund, and spoke to XXXX at XXXX XXXX+/- I was advised, in substance, that : This company is a bank, and unless someone shows up for work, no electronic confirmations will be made. XXXX will debit your account immediately, however, to return the inadvertent transfer of {$1000.00} from the float, it may take 10 to 15 days to correct the error.

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