BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: HARBORONE MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with HarborOne Mortgage that includes a PMI. I met the loan to value requirement in XX/XX/2018. On XX/XX/2018 I sent them a letter asking that they remove the PMI. I paid extra on my principal to ensure i met the 80 % LTV. I did hear back from the company, so i emailed them on XX/XX/2018 with an inquiry about the status of my PMI. I received a bounce back response that they would investigate and get back to me in 5 business days. As of XX/XX/2018 i have not heard from the mortgage company. I have tried to call their office, but the number does not allow for access to a customer service representative. I emailed again this evening, but do not anticipate a response to my issue. The reference / ticket number they assigned is XXXX. 
I have been timely in my payments, never late, and the value of the property has increased. There is no reason that they do not cancel my PMI. Their website says the request needs to be made in writing, which I did on XX/XX/XXXX. 
Please help me get a response to this issue. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
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: Their investigation did not fix an error on your report

Complaint:
I asked Equifax, XXXX and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer?

The continued reporting breaks the law. I want this information DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Byrider Franchising, LLC
State: WV
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:
On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Lending Club payments are due the XXXX in the amount of {$600.00}. I phoned in my XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$630.00} to cover the amount due plus late fee. I asked the rep twice if I had avoided being reported 30 days late and she assured me I had. I also received email confirmation of the payment which I am uploading with my complaint. I followed up on XX/XX/XXXX when I noticed my bank account didn't reflect withdrawal for the payment. I made payment again that day over the phone and that rep said he would submit a trouble ticket to have a supervisor review my XX/XX/XXXX call for their processing error and that I would hear back from Lending Club. 

On XX/XX/XXXX, I received alerts from credit reporting apps that my Lending Club account was reported 30 days late causing my XXXX and XXXX scores to drop XXXX points. I called Lending Club twice that day, and the second time representative XXXX ( XXXX? ) informed me that it appeared the rep I spoke to on XX/XX/XXXX processed my payment and then for some reason cancelled the payment in error. The first rep did not mention this, nor did the rep I spoke to on XX/XX/XXXX. XXXX said she would submit a trouble ticket to have this issue addressed. 

I am involving CFPB in the matter because Lending Club has not followed up with me and has not been forthcoming with the fact that the rep who processed my payment cancelled the transaction in error, and this error caused my credit score to drop significantly. I do not have faith that Lending Club will rectify this with credit bureaus of their own volition in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving phone calls at my job and my cell phone every day four to six times a day. The young woman will give me her first name only not the name of a company. Then she will ask me if she can transfer the call to someone else who wants to speak with me about a personal matter. I decline and tell her to stop calling me and take me off whatever list they have.Then she calls right back stating she is someone else and she is attempting to collect a debt. I tell her again to stop calling me then she says she will call my job again. And she calls again. All from different XXXX and XXXX area code numbers. 
HARASSMENT IS NOT A FITTING WORD FOR THIS BEHAVOIR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
1. I received an Offer from Capital One Bank through their website for a Pre-approved Auto Loan called " Capital One Auto Navigator '' on XX/XX/2021. Pre-approval Letter reference No. XXXX attached herewith. 

2. According to the pre-approval letter, I started my shopping for a Car within the sales price Range mentioned in the letter. Also, I received a follow-ups email from Capital One saying that the Pre-approval is as easy as 1,2,3 steps. Follow up email attached herewith.

3. After visiting few Dealers, to my dismay, I found that this so called Pre-approval Letter is nothing but a faux to make the Customers walk into a Dealership for Car purchase.

4. One of my earlier inquiry with an Auto Dealer XXXXXXXX  XXXX  made through the Capital One Auto Navigator website made me realize the nexus between these so called Unscrupulous Financers and the Auto Dealers was infact a game to trap gullible Customers by making them apply for an Auto loan through these financer 's favorite Dealers and a high level CORRUPTION could not be ruled out here. 

5. After receiving the quote for a brand new Car 'XXXX  XXXX XXXX, with a down payment of {$1800.00}, being sold by XXXX XXXX  XXXX I applied online for the same but was shocked to hear from the Dealer that they won't accept the down payment mentioned in the website and I need to put more Money as Down payment which is {$3200.00}. The quote provided by the Auto Dealer and Capital One is attached herewith. That, already a Hard Inquiry was placed in my Credit report the same day.

6. When I sent the website quote printout to XXXX XXXX, the Sales Associate simply replied in One sentance saying that I need to put a down payment of {$3200.00}. The email attached herewith.

7. That the above mentioned same situation resulted with all the Dealership and when I gave a telephonic notice to Capital One Auto Navigator, I received a call from one of the General Manager from Capital One Bank in the second week of XXXX, who told me that they are at Liberty to advertise anything and they have no binding and they can tackle the matter with any Government Establishment including the FTC or CFPB. This clearly shows the Bank 's high handedness and the Corrupt practice, which needs to stop immediately and if it's allowed to grow further, that could Rot the whole of American system of Fair lending and FTC 's false advertising & marketing policies and regulations. 

8. That after giving sufficient time to Capital One Bank as well as XXXX XXXX  with no response from them, I am forced to lodge a formal complaint with CFPB for it's intervention and necessary suitable action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I walked into a Bank of america on XX/XX/XXXX and waited an hour to open an acct. After waiting I Spoke to a XXXX XXXX who assisted me with opening an acct. I opened a checking and saving acct. In the process of opening my acct she advised me that a balance was owed to bank of america for {$460.00} and that it may be taken out of my acct if need to cover the pas balance from XXXX. I advised XXXX i never had an acct with bank of america and that when she gave me the number to the fraud dept who I was suppose to call on XX/XX/XXXX once I made it back home to see what was going on. I deposited {$25.00} in my checking and {$100.00} in my saving to get my acct started. Now when I go to logon to get my acct info so I can call the fraud dept I see I cant logon and I'm being told my accts were closed and no one could tell me why. I'm not sure why they were closed and for me to sit in the bank and hour to wait to see one and another hour just about to open my acct, just to have my accts closed the next day without any notice, well I'm really upset.

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 2019-05-24
Company: TD BANK US HOLDING COMPANY
State: GA
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:
Target card services, XXXX Acct XXXX Target contacted XXXX XXXX on XX/XX/19, according to their letter to me, and canceled my subscription. Therefore, not only did Target   hit my card for {$39.00} without good reason, and they are forcing me to pay it, but THEY CANCELED THE XXXX PRODUCT THAT WAS PURCHASED! See attached letter from Target   dated XX/XX/19. That means they are controlling both the purchase and the cancellation without my knowledge and permission. Dont I get a say in anything? If I have to pay for it, shouldnt I be allowed to keep it? 

I have attached all correspondence, 8 pages, received from Target. 

Furthermore, I suspect an immature Target  employee attempted to fraudulently use two of my credit cards to make small online purchases. On XX/XX/19, XXXX XXXX  notified me of a suspected {$11.00} XXXX purchase ; that card number was replaced. On XX/XX/19, XXXX assisted me with an obvious bad purchase for {$42.00} at XXXX, an account with a XXXX balance ; that card number was replaced. Pure harassment! 

The following is a summary of what has happened : 1. My Target  credit card consistently carried a XXXX balance. 
2. I misplaced my card and Target issued a new number/card. It still had a XXXX balance. 
3. At some later point, without my knowledge and approval, no email-mail-phone warnings whatsoever, XXXX ( computer virus protection ) was allowed to sneak a {$39.00} charge onto my new Target card number. I knew nothing about it. The software was auto-installed on an old, dusty computer I rarely use. 
4. In XXXX, I attempted to make a small purchase from Target online shopping to my Target card ; it was declined. Thats when I called and found out about the {$39.00} charge plus the {$27.00} late fee that Target added because I didnt make a payment. How was I supposed to know a payment was due without any phone/mail/email notification? 
5. My phone number and address has been the same for 30 years. My email address has been the same for several years, possibly 5 years. 
6. I called Target and angrily terminated my credit card. 
7. I filed a dispute with Target and it was denied. Their letter told me they tried to reach me by phone and since I did not respond within their unreasonable time limit they denied the claim. Meanwhile, they managed to get correspondence to me by postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, Under 15 U.S, Code 1681a ( 2 ) - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), 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. 

I XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, And no consent is Identity Theft. 

If EQUIFAX can not produce any such agreement with my signature in 10 days, I'm demanding the accounts listed below, as a consumer, be immediately deleted and zero out from my consumer report. 

XXXX CARD ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2017-11-17
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan has reached below XXXX XXXX of the original loan value and I 've been trying too get the pmi removed for months. My first letter was sent months ago and they advised I would need a valuation on the home. I called asking if the pmi would go off my loan automatically and at what point or if I would always need a valuation. They person I spoke with in customer service advised that once the loan was below XXXX XXXX of the original value that it would come off. They sent me a list of ever payment and what that would bring my future balance to. Based off of the information they provided I chose to wait three months for my balance to go below XXXX XXXX of the original value. I called in again and was told that I could get the pmi off, but to send a letter. This letter was sent in early XXXX informing sls that my loan was now below XXXX XXXX. I just received a response to that letter asking to authorize a valuation. Since this contradicted what sls had avised previously I called on XXXX XXXX to discuss. I was advised during that call that all they needed from me was my signature on the letter. I even clarified during that call that they did n't need the valuation form signed. She told me if I faxed it in that day I could call in on XXXX to get an update on the status. I called back in on XXXX  XXXX XXXX and was told by supervisor XXXX that they would notify me in XXXX days and that they were probably just going to send me the valuation form again. I 've been sent in circles and sls is now costing me hundreds of dollars because of there misinformation. 

I would like confirmation on if my request will be honored or if the will be requiring a valuatuon. If a valuation is required I will need this to be at the expense of sls as their company has been providing me miss information causing me to incure hundreds of dollars in pmi that is n't required on my property any longer.

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 2017-11-17
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been paying for Equifax Complete Advantage Plan monthly for a couple of years in an effort to monitor and correct errors which I knew existed on my Equifax report. The errors on my Equifax report include accounts that are not mine and several names and addresses associated with my Social Security Number which are not mine. I have attempted on at least 4 occasions over the last year to dispute the information and get them to fix the information by following their online dispute process. I have received emails indicating that the dispute investigations were complete, and that I would need to login to the Equifax site in order to review the results. But I could not access the information on the site because the security questions I am asked to complete are not associated with my records ; they are associated with the records of the people whose names are erroneously being reported on my Equifax report. The mess they have created has made it impossible to resolve the issues online. As a result, I have tried calling them to resolve the issues and have been transferred from one department to another and to another. No one at any of the departments knows how to resolve the problem and no one ever reaches out to me to try to resolve the problem. Back in XXXX of 2017, I took a day off from work to contact them by phone. After hours of trying to get to the right person, I spoke with a supervisor who assured me changes were made, but I am now paying for another service ( XXXX  XXXX ) and I can see that the erroneous names are still there. Additionally, I am now receiving pre-approved credit offers in the mail for one of the erroneous names on the report and I am concerned that someone on my report will start opening the pre-approved credit accounts and complicate my report further. This is such flagrant incompetence and/or a scam on behalf of Equifax to delay the resolution and continue to receive my monthly payment. They appear to have no interest in fixing the report. 
My next steps will be to get attorneys involved. I can not continue to waste time with their incompetence and lack of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-09-20
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$4800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
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: Account information incorrect

Complaint:
I had a loan that was charged off over5 years ago due a medical issue that forced me to retire very young. The company who held the loan is XXXX XXXX XXXX XXXX in California. 
On my creditreport it still shows a balance and late statusevery montheven though the account was closed and charged off over 5 years ago I believe thisis impactingmy being able to get a new home equity loan

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 2021-04-01
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:
There are Numerous accounts listed on my credit report that I currently have no Knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank opened my account TWO Days ago yesterday I was able to put money into the account but today I can not remove it

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