BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a XXXX XXXX XXXX plugin leasing car which I returned to XXXX XXXX XXXX on XX/XX/2018 and at the same time I purchased a new XXXX XXXX XXXXXXXX XXXX  there which was the best option offered to me that day. 

I really enjoyed my leasing car and kept it very well, replaced with new tires before returning it to toyota. The only damage was the windshield crack caused by a flying stone while driving on the freeway. When that happened, I first checked with my car insurance company and was told that it would be fully covered if I want to fix it. Since it was a leasing car, the insurance company suggested me to contact Toyota. When I called Toyota, I was told that I don't need to worry about that at all because it is not personal damage. Then I didnot bother to let the insurance company fix it. 

On XX/XX/2018, when we shopped around for a new car at XXXX XXXX XXXX, the persons there again confirmed me that should not be an issue at all and they even told us, if we didnot tell them, they even could not notice that. Happily we returned the leasing car there and got home with a new XXXX XXXX XXXX XXXX. 

To our surprise, more than two months after we returned the leasing car at Toyota dealer, we finally received the leasing end statement from Toyota Financial Services ( XXXX XXXX, XXXX XXXX, IL XXXX ) with a {$1000.00} plus tax {$81.00} for excessive wear and use ( just the windshield replacement ) in addition to the {$350.00} plus tax for the disposition fee. Moreover, they put due date of XX/XX/XXXX, only 13 days after we received the final statement, which is really unfair. 

Toyota kept informing us before our return and at the time of our return that we don't need to worry about and which is not a personal damage at all. Otherwise we could easily get it fixed by our insurance company for free before the lease car was due for return. 

According to XXXX XXXX that a windshield replacement typically costs between {$100.00} and {$400.00}, including labor with the average cost ranging between $ XXXX {$230.00}. The estimates from my local body shops are all about $ 200- {$250.00}. It is ridiculous that a car maker needs to charge total {$1100.00} for a windshield replacement. 
It is hard to believe they scam their customers this way, especially we immediately purchased a new XXXX XXXX at the time of returning the leased car. We really hope you can do further investigation and assist us in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I receive automatic deposit of the Child Tax Credit on a monthly basis, into my checking account at Chase Bank. 

The issue lies in that they DEPOSIT over XXXX dollars of their money into my checking before I receive the CTC deposit. XXXX weeks later, Chase removed the, over XXXX dollars from the account. 

It causes such volatility in my account, and they said by law they have to do this if the account is in the negative, before the automatic payment comes in for the CHILD TAX CREDIT. 

I have requested many times and the most recent was XX/XX/21 I called the bank and even spoke with a supervisor to no avail. 

They said I would have to request a check instead of having the automatic deposit. 

As a consumer, it is not ok for a banking institution to freely credit or debit your account especially, with their money, and it being mandatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third bank purchased my home mortgage on XX/XX/2021. I received a letter from The XXXX XXXX ( entity from whom the mortgage was purchased ) stating that the mortgage had been purchased. When I called The XXXX XXXX, they were able to give me the loan servicing number for the new account at Fifth Third, however I have not been able to create an account or to get in touch with any representatives from Fifth Third in order to pay my bill. I have not received any correspondence at all from Fifth Third stating that they had purchased my mortgage, or been provided any account number or any other method in which I could pay my bill, and they will not answer any of the phone numbers on their website. I believe per FTC regulations, 5/3 bank should have provided a written notice within 30 days of purchasing my mortgage. I spoke with my original loan servicer, and she said there is a 60 day grace period to pay the new account, but that Fifth Third had also purchased their personal home mortgage and they had not received any correspondence or notification of this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the company several times requesting documentation to prove I owe this debt and have never been provided any information. I did not contract this debt nor have I seen any proof otherwise. My fourth and final dispute requesting proof of debt was sent to the company  on   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened onXX/XX/2017 with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the second time I have had to deal with this issue. I have a Visa Card issued by Bank of America ( BankAmericard ). On XX/XX/XXXX, I purchased an Airline ticket from XXXX XXXX. I used the US site and the ticket was purchased in $ US for {$850.00}. On the same date, there was an unauthorized " foreign transaction fee '' charged to my account of {$25.00} ( roughly 3 % ) even though there was no disclosure and the entire transaction was done in $ US. I am familiar that when you charge foreign currency that they apply a fee and I don't have a problem with that. When I alerted BofA on XX/XX/XXXX they immediately credited the fee back to me. More recently, on XX/XX/XXXX I again charged an airline ticket with XXXX to the same card. Once again the transaction was done in the US and on the US website, yet again I was charged an unauthorized " foreign transaction fee '' of {$21.00}. I called Customer Service and was given an uncompromising stance that " that's the way it is ''. I asked for a supervisor who, because of my long history with BofA, removed the charge. I believe this is a hidden fee grab by BofA that is neither legitimate nor disclosed when the transaction was performed. To be clear, I have no issue when the charge is in foreign currency, just when it is a straight dollar charge.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, TransUnion, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX, XXXX. XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been a total of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. 

Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/202XXXX 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 2018-02-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was overdrawn by 2 two week old checks costing me XXXX in overdrafts that I can afford. This was TD Bank. I called and explained the situation to them. I spoke with the bank and at the time they said they could refund one of the fees. An hour later they still did not refund it. I called back and they turned the story around and said that they can not refund the XXXX. They flat out lied. Everyone has tough times and I was actually excited about getting the XXXX back. That means alot. I am very upset about being lied to. And would like at least XXXX back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
Hello, I recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX ; XX/XX/2022 ) has led me to believe may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest onvenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission. Please see attached Federal Trade Commissions Identity Theft Affidavit in regard to this incident. I have also attached a PDF reflecting all inaccurate items. Please review the enclosed documents, investigate these matters and remove the disputed items ASAP. Also, please do not add any type of fraud alerts on my credit profile.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There is a collection account that is not my account on my credit report. I have sent two letters requesting that XXXX XXXX XXXX to validate the debt which they failed to do on the two occasions that I sent them a letter. First letter was sent on XX/XX/2020 and another one sent XX/XX/2020. I have attempted numerous times to dispute this information with Tranunion. 

There is also a 30 day late mark on an account that was closed with a XXXX balance, again the Merchant failed to validate the debt under the FCRA 611 ( A ) ( 7 ) as they are required to do so by law. This particular Merchant has put 30 day late marks on other credit reports FIVE months after the account was closed

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 2022-08-26
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX A ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Banco Popular of Puerto Rico is killing us with high interest. I have a house mortgage at 6 % ( with my credit score perfect ) and a Personal Loan that i renew, I was paying perfect for 6-7 years and I begin it again to huracaine Mara, and the interest percent is the doble! I pay it correctly! But they know BANCO POPULAR we need the money and the loan so we have to accept the high percents of all, destroing our money and taking Puerto Rico for them. Its hard to pay all to them. And high porcents of % its incredible. I need get down those interest and they dont want it. For no body.

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 2022-08-26
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received notification from the credit card company ( citibank ) that my account had been closed. After contacting them to inquire on why the account was closed, they informed me that it had been closed at the request of myself. I had never requested closure of this account so now my concern is my identity has been stolen and someone is making decisions at my behest. I asked the company to provide me with the documentation or phone recording of when this closure was approved and they have disconnected me and gave me no help in identifying how this happens. They have also refused to reopen my account after I informed them that I was not the person who requested the closure. At this point my concern is someone has my identity and the company will not help me in finding how this happened

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 2022-08-26
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:
I contacted XXXX, XXXX, and Experian and I never disputed anything. Instead XXXX disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. XXXX lies about investigating and never show proof of investigations. XXXX is reporting the wrong personal information which I advised them many times.

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 2019-04-16
Company: RoundPoint Mortgage Servicing LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Refinanced my house with XXXX XXXX XXXX XXXX and I am having a difficult time receiving my overpaid escrow money from the previous mortgage company, Roundpoint Mortgage Servicing Corporation. 
Timeline : XX/XX/19 Loan paid off by XXXX XXXX XXXX XXXX ( Per Roundpoint Online records ) XX/XX/19 Escrow Disbursed to Mortgagor ( ( Per Roundpoint Online records ) XX/XX/19 Check mailed to me - Per conversation with Roundpoint Rep XX/XX/19 Have not received the {$1500.00} from my escrow account. 

I have had this mortgage with Roundpoint for 4 years and have made every payment on time every month. I am concern that Roundpoint is attempting to retain my fund as long as humanly possible. I understand they have no incentive to pay my money expeditiously and as quoted by several of the representatives that, by law we at Round Point have 20 days to refund your escrow account. It is well pass those 20 days after the loan was paid off. I have called Roundpoint several times, but receive the same patent answers, the check is in the mail. 

The minor interest Roundpoint is receiving from retaining my funds may be small, but I am concern that f this same activity could be happening to a large number or all of the Roundpoint customers. And finally should Roundpoint pay me interest beginning on the 21 day along with my Escrow refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Account information incorrect

Complaint:
On or about XXXX XXXX XXXX  pulled a soft credit inquiry from Equifax for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. Equifax reported my credit score at XXXX on XXXX. I called the credit card department at XXXX and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have 20 % credit use on my credit cards per Equifax. XXXX also said Balances on accounts are too high compared to credit limits and per Equifax of the XXXX  accounts only two have a balance the remainder is XXXX balance. The last issue per XXXX the number of accounts in use is an issue. Equifax is reporting only two  accounts out of XXXX have a balance. I spoke to XXXX and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
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:
There has been an ongoing dispute with HSBC over the HSBC master card. The balance was entirely or nearly paid off about one year ago ( XXXX or XX/XX/2018 ) and subsequently about {$1800.00} in payments were made toward charges on the account between then and XX/XX/2018. During this time, HSBC supposedly closed the account due to suspicious activity but no charges were ever reversed -- instead there are charges and interest and late fees and over limit fees and interest on those and somehow an account that had more than {$7500.00} in payments in the past year has an outstanding balance of more than {$9000.00}? 

Each time I have asked for help with this I get the " we are working on it '' followed up by no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the XXXX  data breach. This has been a stressful experience for 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