BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the TransUnion stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.

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 2017-11-16
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient keeps adding balances and subtracting balance from my account. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of forbearance. I respectively ask that the dates from XXXX - XXXX be removed and set to current. As soon as I contact Navient my loans were put back in forbearance. Also I want all loans older 7 years off my credit report, as the is more than the SOL for my state, I need this done ASAP, as Navient is doing illegal collecting and reporting practice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against timeshare XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2022-02-17
Company: AG AH LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I started a process with this company to buy my dream home, after being pre approval I got the house and I followed and send all the documentation they requested. I was approved, they took so long to approved me even after I sent everything they need. We got the house, the appraisal and everything, then decided to do a new appraisal of the house and they said it was less the worth of the house, they wanted me to pay more which I couldnt because we had a deal before with closing and downpayment amount. They continue messing with my case that the seller decided to terminated my contract y after 4 times trying to get closing papers from this company. I decided not continue with their game and we terminated because of this situation I lost my XXXX money and the appraisal fee I had to pay because they requested and then they XXXX a new one. Its being traumatic and humiliated trying to work with this company my realtor and I trying to contact with them and never answer their emails or phone with someone who was willing to help. They didnt care about the situation, after I decided to terminated they continue sending new quotes. I am pregnant and I was happy to buy this house I have everything they requested and the money they told me to pay but then they change everything. Its been stressful for me and my family which we were ready to move and still hurt they didnt care about nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally Bank 's Bill pay service is not working since morning. May be it was not working for days ( i am just using today ). Talked to Chat support ( XXXX ) and then phone support ( XXXX XXXX - except excuses they do n't have to offer anything. 
Clearing cache, browser data and did every possible thing ... using a different browser and different computer ... writing to them via secure email ... .nothing worked. 

There is a server side issue - Bill pay is getting timed out

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 2017-07-10
Company: Jim Bottin Enterprises, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has called me after I asked them not to contact me. In addition to this, they are telling me that I owe WAY more than I actually do. <P/>I owed a gym {$1800.00}. XXXX kept contacting me, so I got in contact with the gym and they said that they had never heard of XXXX. <P/>Now they put a mark on my credit report saying that I owe over {$4000.00}. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Spring Oaks Capital, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: General Motors Financial Company, Inc.
State: NC
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:
GM Financial ( Americredit ) approved me for an auto loan through a dealership and I traded in my other vehicle, signed and drove home with my new ( used ) vehicle. Before signing all the paperwork, they had me submit drivers license, property bill, insurance, last 2 paystubs. About 2 days after buying the new vehicle, I started getting harassing phone calls from a number in Arizona, telling me they were trying to contact my company and verify employment. This feels like it was not an issue for me, so I simply told them to call the number for our HR that is on the paystub and they can verify like everyone else. They didn't like that it's during COVID and that nobody is in the offices, so they continued to harass me with other requests, including asking for company private information that could end up with my termination for disclosing " private '' information. They then claimed that they reached someone in HR, but the person who verifies employment isn't in the office and they don't know when they'd be back. Instead of waiting, or taking my paystubs and tax records as proof of employment, they demanded 2 new paystubs and 3 months of bank records that showed the deposits coming in. Once I provided those, that was no longer " good enough '' for them and now they are insisting on a conference call with XXXX XXXX ( waisting even more of my time ) to verify the deposits were actually made? This seems incredibly strange since it's almost impossible to fake something like this, but also since I've already been approved and finalized all my paperwork. I don't know of a solution, but this is like nothing I have ever seen, heard of or experienced in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
applied for small business credit card was denied, no phone number to call and find out reason. I have personal credit score of XXXX no late payments, my business credit score is XXXX and financial risk stability is XXXX which is perfect. I got denied with explanation which is false delinquent accounts. I have no delinquent accounts my application number is 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 2019-06-12
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Paypal closed my account since 3 weeks ago and it had been held my money since the first day. and I called them multiple times to ask them to released my money on my available balance which it's {$190.00} to me but they refused to. The email link with my paypal is : XXXX and my name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: MO
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:
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to access my Transunion account since XXXX, 2019 without any success. This is the error message I keep receiving : " Your TransUnion Credit Report Freeze status is currently : UNKNOWN '' I have followed all of the directions from multiple departments and still can not get any help to resolve this matter. I even checked with the Social Security Department to make sure my name was correct to rule out any possible errors associated with my SS #. Transunion Support Team also, keep claiming that there is an error code # XXXX ; which is a faxing code error and that there are now multiple files associated with my User ID. Even with deactivating and creating a new profile twice did not resolve the ongoing issues. I need someone in Technical Support who can research this matter so, that I can have access to my Online Transunion Account.

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 2017-07-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I Hired XXXX XXXX XXXX to help with my credit, My mother was diagnosed with XXXX and I am responsible for her financially. I have confirmed with the company that they have disputed the amounts of {$620.00} XXXX for a total of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/XXXX a letter was sent asking for validation of the debt. No response. I then sent letters to EQUIFAX on XX/XX/XXXX and XX/XX/XXXX asking for validation. No response until I sent a fax on XX/XX/XXXX. Now you updated my report as being reinvestigated. <P/>Under the FDCPA LAW, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <P/>At this point its a matter of life or death my mother is the advanced stages of XXXX and this incorrect information being reported to my CR is hurting my family. please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company many times in regards to this. I do not owe this and have never had an account or contract with this company. I have contacted the Better Business Bureau as well as all of the Credit Bureaus in regards to this. I have not received validation of this debt and want it removed from my Credit Bureau accounts immediately ( XXXX, XXXX as well as XXXX ) and I want all contacts with this company to stop. They have contact family members in regards to this as well as given out information that should not have been given in regards to this to individuals that are not myself. They are also not licensed to collect in this state. They was supposed to remove this information from my credit bureaus already and they did then put it back on there. And never notified me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a promotional offer with Santander Bank to get {$350.00} for opening a Simply Right Checking account. I qualified for all their requirements but they are staying that the {$350.00} was only for their Premier Plus Checking account and the Simply Right Checking account was only eligible for {$220.00}. The fine print indicated that the Premier Plus, Simply Right, and Basic Checking accounts were eligible. I have attached the flyer as a reference.

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 2017-07-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
For the past 3 months I have been trying to get XXXX and Equifax to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with XXXX  and Equifax and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The incident took place around XXXX of XXXX. I had 2 successful previous loans with this company VW Credit. This was my third loan on a XXXX car. I had been paying on this 4.5 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hit hard by Covid-19. I had to apply for state assistance. I looked for other jobs, but only found very part time work at the time. I was making payments each month, but fell behind. I had made a partial payment to them 2 weeks only prior to the incident. I was given no letter, no notice, no correspondence that they were going to do this. 2 days later, a very kind friend lent me the money {$1100.00} to get the car back. The amount was for added fees and interest. I did so, and turned around and traded the car in for another one with a different lending company. I would not continue to do business with a company such as this. Oh yes, and the repossession letter from them came finally, 2 months later! I have a witness to that. Shame on VW Credit! Treating a former, good, loyal customer like this! Not even working with me on a solution to this. Doing this during Covid-19 when possible protections were in place to help protect against this. They displayed unethical and unfair business practices during a global pandemic crisis of epic proportions. They should be fined and reported for this! They also reported the repossession on my credit and refuse to remove it. It will not come off until 7 years from now. I have been scarred financially, ethically, and emotionally from this terrible event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXX I requested a one month emergency deferment from Toyota Financial services, for XXXX XXXX payment. I explained to the representative that in XXXX of XXXX, I was seriously injured in a car accident, and could submit documentation to verify my claims. I was informed even tough I had been granted prior request for the year of XXXX, due to it being an medical emergency the requested would be granted. I was told my next payment would be due in XXXX of XXXX, which was paid, but the payment was applied to XXXX payment. I have contacted Toyota Financial Services several times, and have been placed on hold for over 1 hour & 45 minutes several times. Each time I speak with someone I have been told I had exceeded the amount of deferments for the year. This was explained to the representative when I spoke with her in XXXX that I was granted prior deferments for the year, and I was told it would not be a problem because this was a medical emergency. Here it is I'm literally struggling to maintain daily life functions from a auto accident, and XXXX continues to destroy my credit each month with 30 day late payments. It is clear that XXXX still has bad business practices, even after settling a class action lawsuit for charging people of XXXX higher interest rates. Unfortunately for me I happened to be one of the purchasers that was charged higher rate due to the XXXX of my skin and was compensated in a class action suit by U.S D.O.J. Now my credit is being destroyed for an agreement that was issued by Toyota Financial Services, and not kept. XXXX customer service department are inadequately trained, and no customer should be on hold for over an hour. The list of complaints could go on for the lack of quality customer service Toyota Financial Services provides, and their choice of PLACING CERTAIN PEOPLE IN DIFFERENT FINANCIAL CLASS.

Company response to consumer: Closed with explanation