BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Toyota is reporting inaccurate information on my credit report that is causing severe financial UNFAIR and UNLAWFUL consequences to my financial future. My rights under the FCRA are in complete violation. I'm asking for immediate attention to this issue as my own efforts of disputing directly with Toyota and with all three credit bureaus has not worked for over 6 months.

For one of the two remarks Toyota has acknowledged the error in writing and I was told the late payment information would be removed from my report as TOYOTA acknowledged the late payment history was inaccurate. This has still not happened. 
This account for was paid as agreed and closed on XX/XX/XXXX, and its reported as if the last delinquent payment date was in XX/XX/XXXX, almost 5 years after it was fully satisified. 

While the second inaccurate reporting is even more damaging. 
It lists the vehicle repossession occurred in XX/XX/XXXX, last payment occurred on XX/XX/XXXX, charged off in XX/XX/XXXX. 

But it was posted as if the account was closed only on XX/XX/XXXX (? ), with a balance of {$6900.00} (? ) and from then, its been reporting me late every month since the charged off date. How can late payments continue to report YEARS after the account has been charged off? 

These errors are keeping me from being able to obtain housing of any kind and is also impacting the ability of me as a father to help my daughter pay for college

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX Balance : {$760.00} EDFED XXXX XXXX Balance : {$410.00} XXXXXXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/2022

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 2023-10-02
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XX/XX/2013 received a call from a person who identified himself as a representative from Wells Fargo Bank Fraud Department. He then explained to me that my bank account had beed hacked and the only way to find these individuals that I will need to go to my local Wells Fargo Bank and request a wire transfer to 2 separate accounts, one for XXXX and the other for XXXX, and I did as instructed. The next money I was heading to the XXXX to see my wife and while on the plane I realized that I had made a big mistake. Because of a time difference of XXXX hours, I tried several times to contact my bank and after 3 days I finally got through and I explained to the bank manager that I was scammed. He then told me that he will initiate a " Will Call '' to contact the two banks XXXX XXXX XXXX and XXXX XXXX Bank to cancel but after several attempts the money had already been collected. I even tried contacting the two banks myself but they couldn't release information to me. I've reported this incident to my local police agency and FBI but to this day I'm at a loss... 

Request your assistance. 

XXXX XXXX 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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 absolutely 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. I also found an inquiry that I don't recall giving permission. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Since XXXX I have been going back and forth with American Express to waive the annual fee for XXXX. ( XXXX XXXX service member ) {$700.00} annual fee Multiple times they have enter the incorrect request such as XXXX. They keep apologizing and stated that the correct request is put in now and I need to wait an additional 60 days. I have been going through this with them for almost 120 days and they are unable to provide any update or escalation. 

Meanwhile the interest charges keep accumulating. I find this to be a dis service for military considering it was there mistake in the first place and I'm left clueless and noone has any answers. 

I have sent them my military order, ID, and XXXX letter showing that I am XXXX XXXX and they still keep my status PENDING and have not waive the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Certegy Holdings, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Certegy did NOT contact me in any way about a problem with a check. They immediately turned it over to a collection agency. The money was in the bank for the check. It was a cashier error. The cashier had a problem pushing my check through the machine so he wrote void on my check, entered my information in the register & had me sign electronically. This was on XX/XX/XXXX. This was on a checking account I share with my mother. On XX/XX/XXXX I had a personal check denied at another store. When I called about it I was told I had a " returned check ". This was the check I wrote on the account I share with my mother. 
What caused the problem is this : the cashier entered my check number where my account number belongs & the account number where the check number belongs, therefore it did not recognize my account. 
IF I had been notified this could have been cleared up faster. I feel my credit and my mothers credit has been damaged by this going directly to a collection agency. 
Is this legal? Don't they have to notify people first? 
On XX/XX/XXXX I authorized XXXX  to withdraw the money to pay the check but as of XX/XX/XXXXthere was still a CLAIM showing. This is not right. 
Please help me.

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 2021-07-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony was calling me non stop about my late payments. They asked me why I had not made a payment. I told them that I have been receiving bills late, possibly due to delays at the post office. I also explained that I was having problems with the APP ( See Attached ). The problem with the APP is that it logins in through paypal and sometimes it does not load the LInk to pay your balance and was unable to pay.

I told the agent I would bring the account current if they agreed to waive TWO Late. The agent put me on hold to check my account and agreed to the terms.

I called Paypal back and they advised that they would not do 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 monetary relief
Consumer complaint received 2023-11-29
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I initiated the dispute process with Credence Resource Management , LLC, by requesting verification of the debt, a proof of the Contract signed and authenticated. My request was made in accordance with my rights under the FDCPA. In my letter, I disputed the alleged {$1300.00} debt that Credence Resource Management , LLC, is attempting to collect, and I requested a copy of a signed contract. Additionally, I explicitly requested that they cease and desist all collection activity, including credit reporting, and delete any and all reporting made to any consumer credit reporting agencies. 

However, Credence Resource Management , LLC, has failed to comply with my very specific legal requests and has instead engaged in the following actions : XXXX. Failure to Provide Verification of Debt : Credence Resource Management , LLC, failed to obtain and send verification of the alleged debt as required by the FDCPA. Instead of providing a SIGNED CONTRACT or agreement signed by all parties involved, as I had requested, they mailed me an XXXX XXXX XXXX bill. This XXXX XXXX  XXXX bill does not contain my full name, and the amounts listed on the bill differ from the disputed account they placed on my credit report. The XXXX XXXX XXXX XXXX provided by Credence Resource Management , LLC, is not a contract or agreement and is nonresponsive to my verification request. This is a violation of the FDCPA, as it is unfair and unconscionable to attempt to collect an alleged debt without providing the requested verification. 

XXXX. Failure to Cease and Desist Collection Activity and Credit Reporting : Credence Resource Management , LLC, also failed to cease and desist all collection activity and credit reporting, as I had expressly requested in my dispute letter. Under the FDCPA, it is considered a false, deceptive, or misleading representation to communicate false credit information to any consumer credit reporting agency. Despite my request, Credence Resource Management , LLC, continued their collection efforts and did not remove the disputed alleged debt from my credit report. 

Furthermore, I am deeply concerned that my personal information was released to a third party without my consent or knowledge, which raises additional privacy and compliance issues. 

Due to Credence Resource Management , LLC 's actions, my family and I have experienced significant stress, frustration, credit damage, and associated costs. They have disregarded the opportunity for an amicable resolution without litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit card company admitted in writing that " the attempted authorization ( s ) have been determined not to be yours and have been declined. '' Then the account was closed. This is the same action taken by 2 other credit card issuers after extensive investigations by those issuers and by the U.S. Postal Service and the local sheriff department.Next the credit card company opened a new account in my name without my knowledge and accepted fraudulent charges. The fraudulent charges took place in XX/XX/XXXX and XX/XX/XXXX for approximately {$8800.00} and despite my attempt to discuss this matter with the credit card company, they continue to demand payment.

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 2023-11-15
Company: Reliant Financial Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a car loan in XX/XX/2023. I couldn't afford car insurance because I got laid off. Since the vehicle was uninsured they increased my loan amount by more than XXXX XXXX. I currently have insurance on the vehicle and the loan company hasn't reduced the loan amount. Can they increase my loan like that. The company is gold acceptance. This has affected my credit score

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to XXXX, XXXX, and Experian. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to Experian asking them to remove Several addresses from my report because I only have one address.

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections!

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX  business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , XXXX XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 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 2023-08-14
Company: ALLY FINANCIAL INC.
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I asked my father to deposit a check in my checking account to bring my account current. He deposited the check. I went to a local Chase branch in XXXX XXXX XXXX on XXXX and XXXX XXXX and asked a teller if there would be a hold on the check. I was told by the teller that there would not be a hold and that the check would clear on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and there was a hold on the check. I then drove to the Chase branch on XXXX XXXX in XXXX XXXX, NV and inquired with the teller as to why a hold was put on the check. I was told by the teller that the check was on hold until XX/XX/XXXX. I inquired into the reason when there was no initial hold. He told me he didn't know why and that I would have to call the XXXX XXXX number. I then asked him if I could close my account. I was told that I could not close my account because of the pending check. I asked if we could have the check back since it didn't clear so my Dad could send money by other means and I was told that I couldn't. I then left. 

I called the XXXX number from my car and explained the situation to customer service. I was told that I had to speak to the Check Clearing Dept. After being on hold for 20 minutes, I was told that the reason the check was put on hold was that " XXXX XXXX flagged the check and stated to not clear the check. '' I was told that I would need to contact the person who gave me the check and have them contact XXXX XXXX as to why it was flagged. I then texted my Dad to find out if he had an issue with his bank account because Chase was stating that the check was flagged. He looked online on his account and the check already cleared on XX/XX/XXXX. We then called XXXX XXXX and were told that they never flagged the check nor did they state to not clear the funds. They stated the funds were already sent to Chase. My Dad filed a claim with XXXX XXXX regarding the matter. The claim # is XXXX. 

I then contacted Chase again via email to try and get some kind of clarification why they would state that XXXX XXXX did not clear the check when it already cleared. I received a canned email message from Chase stating there are many reasons checks do not clear but still no reason. At this point, I am receiving multiple emails a day from Chase stating my account is Overdrawn yet they will not apply the funds to my account. In addition, they continue to charge me fees even though they had received the funds. They also will not allow me to close my account. This situation has resulted in me not being able to buy food for my family or be able to pay my mortgage. If I had been made aware that there was going to be a hold, I could have gone and cashed the check somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ive disputed a couple things on my credit report on XX/XX/XXXX and here it is XX/XX/XXXX and they still didnt removed it nor proved that it was mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/2019 BOUGHT ENGINE ONLINE (XXXX) THEY ONLY SENT 3/4 ON WHAT WAS LISTEDALSO CHARGED XXXX XXXX FEE WHEN IT SAID FREE SHIPPINGWE TRIED TO WORK IT OUT AND THEY AGREED TO PAY FOR THE MISSING PARTS AND RENTALS CAR BECAUSE IT TOOK THEM A MONTHTHEN THE OWNER XXXX XXXX, WITH 5 OTHER NAMES THAT ALL SHOW RIPOFF  XXXX SAID HE WAS NOT PAYING ANYTHINGWE HAVE TEXTS, PHONES CALLS, EMAILSWE THEN CONTACTED CHASE WHO OPENED A CLAIM BUT THEY NEVER SENT US ANYTHINGCHASE THEN REVERSED THE CLAIM AND GAVE THE MONEY BACK TO THE SELLER  AND SAID THEY COULD NOT DO ANYTHING WE WOULD HAVE TO FILL A SMALL CLAIM ACTIONWHERE STILL OUT THE PARTS COSTSHIPPING COST, RENTAL CAR CASTCHASE DOES NOT WANT TO HELPCHASE CLAIM ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my experian credit report where an account with credit first was reporting as 90 days late and an incorrect balance, I started a dispute on the account and experian notified me the dispute was complete a day later, I them viewed my credit file where experian now showed the account over 90 days late with a corrected lower balance ... this means experian didnt update the payment history as I should not be showing 90 days late for 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