BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Toyota Financial charged {$780.00} for bodily damage and lost key when we returned our XXXX  XXXX at the end of a 2-year lease. We received a detailed invoice one time only. We lost that bill, received missed calls from Toyota but I was able to eventually asked Toyota Financial to send me another invoice. I disputed the lost key item ( this was mailed back to the XXXX dealership within 1 week after returning the car ). We never received any updated invoices. Instead, we received a notice from XXXX XXXX XXXX XXXX. We are being threatened with credit reporting while the original problem with the bill ( the {$370.00} lost key charge ) has not been resolved. In order to avoid a negative effect on my personal credit, I paid the {$780.00} in full even though it should be {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. 
XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX  XXXX THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the Equifax data breach. 

This is corrupted process that XXXX XXXX & Equifax has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
My student loan was in forbearance XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not late and I want late notices removed.

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 2021-04-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase case number XXXX .On XX/XX/21 I made a mistake and I purchase USDC coin for XXXX and deposit XXXX from my bank into coinbase at the same time. I only had XXXX in the bank so I had to cancel XXXX and called XXXX and they cancel one transaction on XX/XX/21 and deposit XXXX into coinbase. On XX/XX/21 and XX/XX/21 coinbase collected both transactions and left my balance negative XXXX. I was surprised and called XXXX XXXX and they assured me that they deposit XXXX into coinbase and my bank statement is proof they deposit the XXXX. Where is the XXXX that XXXX XXXX deposit? Im negative XXXX in my bank account. I have written multiple emails to coinbase on XX/XX/21, XX/XX/21, and XX/XX/21 and no answer to where is the money. I also wrote to XXXX  case number XXXX but not answer yet. Please I need your help to get my XXXX back from coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 {$1300.00} they can not validate this debt is mine I request them to validate it and if not they need to remove it from all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Duvera Billing Services, LLC
State: PA
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  on XX/XX/26.18 ran to Application ID : XXXX & XXXX with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX RE : Not Reporting Revolving Credit Card Accounts As of the date, I am challenging the inaccurate of my Mastercard CC with Capitol One and its inaccuracy reporting. Its not showing that I have an open credit card account for over 2 years, and as a result its lowering my credit score with no revolving credit, and added my credit card wasnt being reported to all 3 credit agencies as well. Furthermore, I would like the corrective action - the first step is for my credit card account to now show as on time payments from 2 years ago and alongside to reporting positive financial records to all my credit reports as well. Thank you for investing your time in me. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX from XXXX XXXX XXXX. Years later XXXX XXXX XXXX purchased XXXX. My loan was paid off with XXXX. We even paid 2 payments in one month to reduce mortgage by 10 or 15 years. 
I started receiving letters from XXXX saying they had my mortgage, years later XXXX company. These people took over the loan around XX/XX/XXXX. They are extremely deceitful. They lie about payments not being made, when you see the payment on my bank statement. They add 2 or 3 different late payments in one month. 
I am sure my home is paid off so I do not know why I am making these payments. On XX/XX/XXXX I received a letter from XXXX saying they transfer my loan to SPS company. This is a Portfolio Company. These people have been harassing me by calling my home at least 12 times a day. When I answer the phone they hang up. I am making payments to them. They are saying that they are going to foreclosure on my home after XX/XX/XXXX if I do not make this ridiculous payment amount. 
First of all, I am not late with any payments. SPS was sending false information to the credit Bureaus regarding late payment status when I was not late and they said even if people were late they wouldn't provide any negative information before 60 days has passed. However, this still did not apply to me.. 
I also found out that XXXX still owns the loan. I XXXX reviews on XXXX and SPS and they both had 1000 's complaints. All of them familial to mine. 
Please help me with this serious issue. 
These people have added over hundreds of thousands of dollars being fraudulent and corrupt. 
Please I beg you in God 's name, help me with this fraud. I need to know what to do. I want to sue them because they have stolen from me and are threatening to take away my family home. I am broken emotionally and physically. 

Why would someone to this to anybody. 
Please help me. 

Respectfully Submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Will not give me my money or close my account. Citi bank is the worst.

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 2021-02-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have only attended XXXX colleges during the time that I have been in college obtaining my college degrees, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX & XXXX XXXX. 

I have been battling with Navient & Sallie Mae since XXXX to now regarding student loans that are not mine. I have student loans on my account for schools not only that I did not attend which were XXXX XXXXXXXX & XXXX XXXX XXXXXXXX XXXX. I also filed this student loans in a Ch XXXX BK in XXXX that was discharged as a result of these not being my student loans because I was a victim of Identity Theft during this time ; XXXX and after. I submitted all documentation to the Department of Education, Sallie Mae and Navient who by the way denied my Identity Theft claim, and now they are stating that they never received any of the documentation. 

I am moving forward with filing a lawsuit against Department of Education and Navient who also bought out Sallie Mae who was also sued as well and having an ongoing lawsuit just like XXXX does. I know because they offered me a settlement as did Sallie Mae. I am also going public with this information with social media and news outlets. 

Sallie Mae was scamming us for years and now Navient is doing the exact same thing. I refuse to pay for student loans that I did not benefit from at all this is beyond ridiculous I reached out to Department of Education who referred me to Navient on XX/XX/XXXX and they have the power to remove the loans that are not mine but refuse in which to do so. 

I have been battling this matter for 8 years and I want these loans removed from Department of Education, Navient, and my credit reports as well. The interest alone is beyond ridiculous. My student loans have ballooned from {$160000.00} to {$190000.00} and now I am supposed to pay for loans that are only not mine but was also discharged in a Chapter XXXX BK in XXXX. I do not think so not on my life. 

This is a violation of my civil rights and the right to have due process. I was not even allowed to appeal the process despite the fact that there is an appeal process nor did I receive a letter from Department of Education regarding them denying my Identity Theft claim which is overly ridiculous above and beyond because I sent them all the supporting documentation to support this. 

Things have to change with regards to who's in charge and who's making these decisions. This is not conducive to how business is conducted and handled. 

I need and want answers and support with regards to this matter and I need them now. I want this matter resolved promptly and now rather than later. I am tired of this and it has been 8 years and I am going to do whatever I have to do to deal with this matter. 

I can be reached by email at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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 pulled my Equifax report on XX/XX/XXXX. I noticed there was a fraudulent inquiry on my Equifax credit report. The inquiry was on XX/XX/XXXX and the creditor/company was XX/XX/XXXX. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I have disputed this fraudulent 5 times and it came back deleted each time, however, it is still showing on my credit report. I attached my results from my XX/XX/XXXX results but I have provided all of the dispute numbers. I contacted Equifax on XX/XX/XXXX. First representative I spoke with I told them I need to speak to the Fraud department, instead of transferring me they questioned why do I need to talk to them. I finally got to someone in the fraud department and we never got passed verifying my information. The representative asked me my full name. I said XX/XX/XXXX XXXX XXXX. He asked for my date of birth and address. I provided him that information. Then he asked for my last name again and my middle name again. I asked him why do I need to restate that if I already provided that information. The representative transferred me to the survey line to give feedback on my call. So I did not get this issue taken care of. So not only was my issue not taken care of BUT I RECEIVED HORRIBLE CUSTOMER SERVICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CCS Financial Services, 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:
XXXX is reporting inaccurate, fraudulent information of a company that I have never had any association with. I am a victim of identity theft and have provided XXXX with copies of my valid legal identity. /this derogatory data, is resulting in failure of me obtaining a job promotion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Years ago I was having trouble making payments, and was advised by Navient to do forebearance. They told me that the interest would be tagged on to my loan. After the forebearance ended, they said 6 months of missed payments were due. My loans are still past due with over {$17000.00} due right now and in default. Not only was it impossible to pay, but the fees just keep piling up and they refused to do anything about it when I called. Get calls about 8-10 times a day, collection letters from them and another collection agency, and can't even start to get out from being underwater. To be honest, the only thing keeping me from having XXXX XXXX is that they would go after my mom if I did. They also call and harrass my sister, and she isn't even on the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Mr. Cooper Group Inc.
State: IL
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:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from Mr. Cooper, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct Nationstar Mortgage LLC, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. 
Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. 

Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Georgia Student Finance Authority
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a check in the amount of {$160.00} to the Georgia Student Finance Commission for two of my Student Loans on XX/XX/2018. Check Number XXXX that is directly affiliated to my XXXX XXXX Checking Account. The XXXX XXXX Resolution team is also Researching this matter. ( Conf. # XXXX ) I called The Georgia Student Finance Commission when I received an alert from the Credit Bureaus that my accounts were past due. I have kept my Accounts in Good Standings for over 4 Years. I don't believe in coincidences but base on my research, whenever I have mailed my payment to the Georgia Student Finance Commission there has always been a problem with the processing of the check submitted. There has never been a problem when I have called in my payment. I have a great relationship with the Georgia Student Finance Commission and I would like for that to continue. I am sure that this problem can and will be resolved. I will call in my payments from now on or set up Automatic Drafts from my Bank Account.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: SC
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:
I purchased food products from the company XXXXXX/XX/XXXXon XX/XX/2020 and received the order on XX/XX/2020 ( five separate shipping boxes ). Upon opening the packages I noticed the food packaging had not been sealed properly with food scattered throughout the boxes. My first attempt to resolve this issue was on XX/XX/2020 and all future attempts to communicate with the business have not received a single response to me, I have attempted to email and call the company in question on multiple occasions. On XX/XX/2020, I opened a dispute with my credit card company ( the card I used to purchase said food products ) since they failed to honor their 365 day return policy, I also informed XX/XX/XXXX via email that I would be escalating this since I still had not received any contact from the company. 

Citi bank also refuses to refund me due to : " We have reviewed the information you provided regarding your dispute. We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. Our investigation remains closed. '' I have even attempted to resolve this through the XX/XX/XXXXand have received yet again zero response from XX/XX/XXXX, they are clearly scamming their customers. 

Citi has a legal obligation to protect consumers against fraudulent companies and is unwilling to credit me a total of {$800.00} for the defective merchandise. XX/XX/XXXX XX/XX/XXXX needs to be investigated for failing to adhere to consumer laws and FDA guidelines due to improper packaging and not resolving disputes properly. Citi also needs to refund these charges immediately since this process has already taken nearly three months now.

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