BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: OneMain Finance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was behind on my payments, then they called and we arranged to make XXXX payments which would catch my account back up. Both payments were deducted from my bank account but were not applied to my loan as agreed and it still shows i am behind. I have called and spoke with customer service, who confirmed the payments were not applied correctly and they would forward for correction, but it has been a week and has not been corrected. This contines to reflect as overdue on my credit report, although I have paid as agreed, and I am tired of having to continue calling to try to get anything done since nobody can seem to help me. Please help me get my payments applied as agreed so my account is caught up. I have done my part. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Chrysalis Holdings LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On the XXXX of XX/XX/2021, I applied to NewDay USA to refinance my home and take advantage of the equity I have available to me. However, I found out today, XXXX XX/XX/2021, that the underwriters were not willing to approve my loan application. Im currently using XXXX XXXX as my mortgage lender, and have been perfectly happy, but after seeing ads for NewDay online and in mailings, I decided to pursue things with them. I gave XXXX XXXX XXXX my account executive ) all of the information to proceed - paystubs, W2s, VA eligibility documentation - the whole kit and kaboodle. The plan was to refinance for 30 years, and pay off a significant amount of credit card debt. But because I took advantage of COVID relief programs legally available to me, and subsequently doing a loan modification, NewDay declined to have me as a customer. 

What is morally and utterly reprehensible is that someone who ( along with millions of others ) didnt know what COVID was going to do for their livelihoods and careers/jobs, partook in the generosity of their lender to take part in a forbearance option. I was in forbearance for 6 months, and at the end, took part in a trial modification for three months, which led to my current loan. But because NewDay didnt like the fact I did all of those things - all of which any smart person would do in times of uncertainty - they opted not to continue with the processing of the loan. 

NewDay and its underwriters need to change their practices to not look negatively at someone making the right decision for them when it comes to their home. Ive never missed a payment, and have always treated XXXX XXXX XXXX XXXX XXXX  right, but NewDay didnt view it that way.

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 2019-03-01
Company: Credit Card Receivables Fund Incorporated
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from two companies, Unifund CCR LLC claiming that they are servicing an alleged debt for another colIection agency by the name of Distressed Asset Portfolio III , LLC. owe them money. This company claims to be servicing an account in my name and that they are the current owner of the account. It appears that these companies are selling accounts. I am in the process of filing a police report. I have heard of companies trying to report consumers to the Internal Revenue Service for unwarranted alleged debts. Please forward this matter to all regulatory agencies involved. 

I do not know nor do I have any relationship with either of these agencies. I have not given any of my personally identifiable information to either of these companies. Another company XXXX XXXX XXXX XXXX is the first company who said they sold the account to Unifund CCR LLC. I have filed an Affidavit of Identity Theft with the federal Trade Commission. I have not authorized any of these agencies to use my personal information. Please inform me if this is legal since I have no knowledge of who I owe ; how I owe, or if I owe anything at all. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I opened an Apple Savings account and deposited money from two external accounts. On XX/XX/2023, I requested a withdrawal from Apple Savings to one of the accounts I had deposited from. The Wallet app ( where customers can manage the account ) said the transaction would take 1-3 business days. After 5 business days, on XX/XX/2023, I contacted the Apple Savings support team via chat to inquire about the transaction. I was told I had to call in to solve such issues. When I called the number I was given over the chat ( XXXX XXXX XXXX XXXX ), the representative couldn't populate my account on the system. I tried this several times over 4-5 hours. The support could only access my account after I called the same phone number and requested to speak with Apple Card support, which transferred me to the specialty department and Apple Savings. At last, the attendant told me the transfer would be canceled and my money would be back in my account within 48 hours. On the next day, XX/XX/2023, I requested to verify a new external bank account I added, hoping I could use it for a more timely transfer. I face an issue with troubles verifying my account. I ultimately gave up, but one attendant guaranteed my money was on its way back to my Apple Savings account. On XX/XX/2023, the day my Apple Savings account should've been funded, I saw no balance on my account. After reaching out to chat support, I was told the transfer was never canceled and I should wait another 5 business days for the money to appear in my external bank account. At that point, I realized the company stole my money and was just creating excuses, hoping I'd wait until I forget about these transactions. Despite all these lies here mentioned, some attendants said my Apple Savings account was linked to my Apple Card, while Apple Card support said the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SUBMITTED MY FTC REPORT TO EXPERIAN 10 TIMES AND THEY REFUSE TO DELETE THIS FROM MY CREDIT FILE. I HAVE SENT OVER SEVERAL SUPPORTNG DOCUMENT AND LETTERS AND THEY STILL HAVE NOT DEALT WITH THIS ISSUE

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 2018-10-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed all the proper documentation and reports regarding my identity theft situation and Equifax has not notified me of the investigation. Nothing has changed on my Equifax report or anything. Those accounts are killing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
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:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit  bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I can not verify account number on my TransUnion Credit report. 

XXXX XXXX {$4500.00} Account number 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 2023-01-28
Company: Experian Information Solutions Inc.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX of inquiry : XX/XX/XXXX 14. XXXX XXXX of inquiry : XX/XX/XXXX 15. XXXX XXXX  Date of inquiry : XX/XX/XXXX 16. XXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX F Date of inquiry : XX/XX/XXXX 22. XXXX XXXX  Date of inquiry : XX/XX/XXXX 23. XXXX XXXX Date of inquiry : XX/XX/XXXX 24. XXXX Date of inquiry : XX/XX/XXXX 25. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond &  filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in  the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/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 2019-03-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i went to get some medical exams done, xrays, my insurance paid for everything but i got a bill sent anyways, i received a call from the company and i told them that my insurance covered it but they said it didnt even though i knew it did, the collection company set a derogatory mark in my credit score and now it says the debt was PAID even though i never paid for it ... ... 

Creditor Name TSI/XXXX  Account No. 
XXXX Original Creditor MEDICAL Responsibility Individual Condition Paid Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Paid collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the collection with millennium financial group on an account they purchased from XXXX XXXX XXXX which was a family based group with XXXX 's XXXX XXXX which closed down for fraud since 2014. No verification of debt amount not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I deposited a cashiers check for {$240000.00} to Bank of America as a Principle Only payment to my HELOC. The money was never applied to my outstanding credit line and the bank still to date has not fixed the problem. I have spoke to 3 Banking Center Managers, 4 associates at the customer service number, one Assistant Banking Center Manager, and even the Market President. 16 days the bank has held my money and not resolved the issue. This is completely unacceptable and against the law. No accountability among associates and it appears that there is lack of controls in place with the Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-01-28
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
As of today XX/XX/XXXX Toyota/ Lexus financial services is still reporting my account for the leased Lexus XXXXXXXX XXXX XXXX as an open revolving account in the amount of {$31000.00} with intial starting loan balance of {$45.00}, XXXX with beginning intial payment XX/XX/XXXX as I have attached as proof. This is inaccurate as the account was closed as of XX/XX/XXXX with a XXXX balance as payment had been received by XXXX to Lexus in the amount of {$42.00}, XXXX as a total loss with a mailed letter of guarantee for the title to XXXX on XX/XX/XXXX per Lexus intial response to deceptive credit reporting complaint to Consumer Financial Bureau on XX/XX/XXXX stating that account had been closed with XXXX balance per Lexus. I have also attached this intial reponse to this complaint as well for review. This account is inaccurate in the amount and open status and Toyota/Lexus is fraudelent and deceptive in thier credit reporting actions. I have also attached the dispute I submitted with the credit bureaus on XX/XX/XXXX as well to show account is still inaccurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXX XXXX XXXX, XXXX card XXXX in XXXX. XXXX since XXXX. Valid thru XX/XX/XXXX XXXX XXXX years ( XXXX ) of outstanding transaction and payment records. No late payments. 
No balance carried forward from billing cycle to billing cycle. 

On or around XXXX XX/XX/XXXX, attempt to charge a small purchase {$140.00} at XXXX XXXX, was declined, with an available credit balance of {$19000.00}. I tried 3 times and the cashier tried 2 more times without success. Account closed.

In excess of fifteen ( 15 ) written communications asking for explanation, justficaation on why the account was closed and requested that power rewards points earned be redeemed have been ignored and redeeming reward points and account credited refused. My own calculations result in a credit balance of {$15.00}. 

Emails sent to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. None have acknowledged, or credited the power rewards points to the account. 

We are not disputing the account closing. With the humiliating experience and arrogant, antagonistic indifference manifiested by top management. My wife and I decided to completely severe our relationship or association with XXXX XXXX XXXX. 

However, we also want the Bank to cease submitting fraudulent, manufactured information to the credit bureaus, and questioning our otherwise excellent to outstanding credit worthiness, that translated to credit, fico scores have been upwards of 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