BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: AL
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:
I have contacted both XXXX  and Equifax to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX XXXX  ( via Screening Reports ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - Local Finance requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - The XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) (  Equifax ) - XXXX XXXX/XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX XXXX XXXX   requested on XX/XX/XXXX - XXXX XXXX  requested onXX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX XXXX  requested on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: OH
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 recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : 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. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We updated our monthly service with XXXX in XX/XX/XXXX -- we built a new home. They failed to cancel a portion of our old monthly service. XXXX acknowledged the error and said they would update our file -- by phone, not in writing. They then sold our old account as a " bad debt '' to collection while we were on vacation, which resulted in a {$280.00} " bad debt. '' Contacted XXXX in XX/XX/XXXX -- they had no record of the charges but said they were unable to reverse the sale for collection. 
Since XX/XX/XXXX, the " debt '' has been resold multiple times. Our new service with XXXX has been in place since XX/XX/XXXX with a monthly charge of approx. {$350.00} per month. We have been a loyal customer of XXXX for over 30 years. Our past credit history has been excellent for over 30 years with no late payments or delinquent accounts. One credit collector deleted the debt in XX/XX/XXXX but since then, my dispute claims have been rejected and my credit report continues to be updated, which extends the " bad debt window for 5 more years. 
Please help us resolve this unjust treatment and retore the excellent credit that we have always enjoyed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: URS Holding, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My tax refund of {$1500.00} was garnished this year by Alltran Education , Inc. and the U.S. Department of Education. I have been evicted in XX/XX/XXXX of this year, and officially deemed " homeless '' in XXXX County as of XX/XX/XXXX. All calls to Alltran Education , Inc. and the U.S. Department of Education have been ignored. Specific individuals I have dealt with are XXXX XXXX at the U.S. Department of Education and " XXXX XXXX '' and " XXXX '' of Alltran. None of these employees disclosed their employee ID numbers to me. 

My tax refund was also garnished last year ( XX/XX/XXXX) of over {$2000.00}. 

I now am officially homeless, living on the streets because Altran and the U.S. Department of Education have ignored my complaints time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and myself have a joint auto loan with Toyota Financial Services. In the process of trying to get a home loan, we found out that Toyota reported us 30 days late in XX/XX/XXXX andXX/XX/XXXX. I tried to resolve over the phone with Toyota, however there is no possible way to speak to a person in the credit reporting department. You have to communicate by letter only. Several months later I finally received a letter back confirming that they had researched and corrected the negative credit markers, yet their correction letter to us mentioned the wrong month ( XX/XX/XXXX). Still to this day they can not send me a letter to confirm that they corrected the month of XX/XX/XXXX, like I have asked.

I thought this was resolved, because there is no longer a negative marker on my credit or my husband 's for the months they reported incorrectly, so I let it go thinking it was just a bad mistake on their part.

Then 2 weeks ago I found out that Toyota AGAIN has reported us 30 days late, this time it is for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our payments are due on the XX/XX/XXXX  of each month, and again, all these payments are paid well before the 30 day marker, usually within 1-2 weeks after the due date. We NEVER past 30 days, yet Toyota continues to report us 30 days late and their excuse is that " the payment has not posted by the last day of the month. '' They " ding '' our credit on the last day of the month even though thirty days have not passed. They have done this to us 5 times in the last 24 months now.

This is ruining our credit, and it takes months to resolve!

This should be illegal to report someone at 10 or 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
USAA Federal savings bank refuses to refund me for unauthorized charges on my USAA credit card. These charges took place between XXXX XXXX and XXXX XXXX 2015 in XXXX XXXX XXXX, at the time I was in XXXX and have n't been to XXXX XXXX at anytime this year ( 2015 ). I can easily prove I was in XXXX during this period however and somewhat surprisingly USAA never requested that proof. 
The unauthorized transactions consisted of purchases and cash advances in large amounts, USAA approved these charges although they were transacted in another state and I never informed USAA I would be traveling. Other credit cards I have, always contacts me if a transaction was performed out of state. USAA never made any attempt to contact me although this was a card that was rarely used in the past. Further, USAA Fraud department stated that I MUST file a police report and if I did not file a police report they would not investigate my claim and would report the current balance including the unauthorized charges I am disputing to the credit bureaus. I informed the fraud investigator that their position was a breach of contract and may also violate federal policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked XXXX to waive - are about {$1500.00} in late charges. XXXX  is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal sent me message that I can no longer use their services which I reported here XX/XX/2021 and they later respond to my complaint that I can have access to my funds on before XXXX of XX/XX/2021, the time has elapsed and I got to email from Paypal and I have tired sending emails and still no meaningful response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
3 year lease expired. I contacted XXXX/Chase Credit to see how to go about concluding the lease, turning the vehicle in. They said car needs to be appraised. My dealer, XXXX at XXXX XXXX XXXX XXXX said to have the car inspected on my own so I know what needs to be done to the car if anything and I may be able to save some money by having things done myself rather than turning in the car blindly. I did have it inspected, a report was provided. The net result was replacing 3 tires on the car, which I did, new ones from XXXX. I faxed the receipt for the tires to Chase credit. I paid the {$300.00} or so fee to retire the lease, as well. I concluded my part of this process in total. I continue to get calls from Chase in this regard, every week, several times a week and have the same discussion with them. It is as though their left hand doesn't know what the right hand is doing. I told them I will not spend/waste any more time talking about this issue and I would be filing a complaint against them in this regard. A simple call to XXXX at the dealership would verify the tires were replaced. My XXXX fax out to them was a success per the app so I know they received it. Please stop the hassle as my next approach will be to sue them. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made a 1 time payment around {$510.00} to Citi Mortgage using the Citi Mobile application for XXXX. The mobile application allowed me to transfer money from my Citibank checking account to my Citi Mortgage account instantaneously. 

On or around XX/XX/XXXX, I checked my available balance using the Citi Mobile application, and noticed that my available amount was much more than I thought it would be. I then looked at my recent transactions and noticed that my Citi Mortgage transfer payment was not listed. To avoid making a duplicate payment and or to confirm what the mobile application was showing, I called the Citi Mortgage payment department. The Citi Mortgage representative explained to me that the Citi Mortgage payment was also not showing on his end, so I went back on the application and repaid.I contact Citi Mortgage to explain what occurred, however they explained to me because the payment only reflected the payment on the second attempt that my payment will appear as late on my credit report. 

I tried contacting other departments such as Citi Executive Unit, Citi mobile application department, who both were able to retrieve the information of when I logged on to the Citi Mobile application on the date of my first payment attempt on XX/XX/XXXX. Even with these details, Citi Mortgage have refused to remove the late payment credit reporting due to the mobile application glitch.

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 2019-06-12
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX is reporting a mortgage in the amount of {$300000.00} in my credit reporting and my husband 's credit reporting. Supposely this mortgage was taken out on XX/XX/XXXX and it was closed and paid on XX/XX/XXXX. This mortgage never happened. XXXX XXXX XXXX XXXX can not find any documents signed or any records of the mortgage. I have been living in my house for 18 years since XXXX. Now I'm trying to refinance and this i affecting everything. We have never refinance the house and the only reason why we are refinancing now is because out sone is in the XXXX XXXX and we want to visit him. I have tried for the past month to take case of this situation. I have provided every document they have requested. Everytime I call I wait 30 to 40 min. My call gets passed to 2 and 3 reps and still I can not get an answer. I need this problem resolved ASAP. Because this is affecting our lives and XXXX XXXX XXXX XXXX simply does not care. They need to resolve this and take this off this mortgage for all the credit reporting companies.

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 2018-02-23
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have filed BK it got discharged XX/XX/2017 I contacted Navient to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Home foreclosed upon in XX/XX/XXXX Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, 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:
On XX/XX/XXXX I received an email from XXXX XXXX, stating that an inquiry was made on my Equifax Credit Report by XXXX XXXX. This inquiry was authorized without my verbal, written or implied permission or consent. 

On XX/XX/XXXX I received a bill from XXXX XXXX with my full name and address for Account number XXXX, XXXX number XXXX, phone XXXX for the amount of {$120.00}. This account was never opened by me. I am a victim of fraud and identity theft. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at XXXX and XXXX, but to no avail, as I was on for many hours and then the call dropped, after calling again each time it stated all circuits are busy. 

On XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX. XXXX XX/XX/XXXX, stating that, " While we appreciate your interest, unfortunately we are unable to approve your request. Your request was carefully considered and we made our decision for the following reasons : We were unable to verity your identity. '' Someone has accessed my personal information without my permission or consent and has attempted to open an account with XXXX XXXX. Application number : XXXX, in which I received a letter from XXXX stating that credit was denied. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX, XXXX, email address : XXXX stating that, " Your password has been XXXX due to multiple use of incorrect login details. '' " For your security, we have XXXX your Online banking. '' This is also fraud and identity theft, as I made no attempts to access my online XXXX XXXX  account. 

On XX/XX/XXXX I received a letter from XXXX XXXX, P O Box XXXX, XXXX, Oregon XXXX, stating that on XX/XX/XXXX, they confirmed that an unauthorized intrusion into their computer system was made, resulting in the theft of my personal information. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 

In additon, I believe that I was a victim of identity theft and fraud due to the Equifax computer system breach or sale of information in XXXX. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 
This fraud and identity theft has resulted in my Equifax Credit Score being lowered and is not only causing me financial stress and fear but is also causing me much fear for my life because someone has my full address and may decide to do physical to me and my love ones. 

I am unaware of how to resolve this issue of fraud and identity theft. I am stressed and living with great fear. I need your help in resolving this issue of multiple fraud, identity left, lowered credit scores, and attempts to access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Convergent Resources, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing, Inc. is a collection agency based out of XXXX, Washington. I have received multiple letters from Convergent whos creditor is XXXX XXXX XXXX XXXX The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XXXX. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used XXXX. I do not have a XXXX account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted Convergent to resolve this matter however, I have not been successful. I respectfully request that an inquiry into Convergent be launched and any collection proceeding against me be stopped immediately.

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 2018-03-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/18 at XXXX, I received a phone call from XXXX, Service Manager at the XXXX, MD, branch location stating that there was a teller error made and that she had questions for me in regards to a {$200.00} cash deposit I made at the same branch on XX/XX/18. She started off very impatient, which put me on the defensive right away, and continued to demand multiple pieces of information regarding my account and my deposit that I, quite frankly, didn't feel obligated or comfortable giving her. I answered her questions, however, with much difficulty because XXXX did not allow me to complete a single sentence before coming to her own defense with why she was demanding information. She did state that one of her tellers made a mistake and put money into my account but didn't know what denomination the mistake was made in. I told her that I was not obligated to answer any of her questions, and that if she continued to interrupt me I would end the call. She then threatened to take my deposit out of my account if I didn't give her the information and documentation she asked for about the transaction. 
SO, where is MY wrongdoing?? I made no wrongdoing, and now am experiencing emotional distress due to an error Wells Fargo Bank made, not me. I immediately contacted the bank with a complaint against the Service Manager, XXXX, and have not heard back. Now I feel like my money isn't safe! I'm not rich, and this bank is blaming their customers for their own mistakes. I can not be held liable for their issues and did not sign any documentation stating otherwise. I feel like suing.

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 2018-03-15
Company: Reliant Capital Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reliant Capital Solutions LLC contacted me to collect a debt in XXXX of XXXX, gave me the impression they were handling the collections for the Department of Education. Company said that if I set up payment it would keep my loans from being in default and my tax return from being offset. I set up payments in the amount of {$50.00} a month and have been paying ever since. I received a notification offset from the IRS and called to inquire. The IRS informed me no payments had been reported. I called Reliant Capital Solutions on XX/XX/XXXX to inquire and they stated that they do not report to the IRS or the major credit bureaus, and that if I stopped payment they would report it to the IRS as bad debt and file suit. I set up legitimate payments with another company in XXXX of XXXX, who states they have the full amount of my student loan debt. I'm worried I've been paying Reliant Capital Solutions and the money has not been applied to my ballance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: TSC Accounts Receivable Solutions
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection account on my credit report for debt to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX both at XXXX XXXX XXXX, XXXX and XXXX, totaling {$870.00}. Per XXXX in billing at this medical, we have a XXXX balance. XXXX 's phone number is XXXX

Company response to consumer: Closed with explanation