BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle from XXXX  ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX  had confirmed they would process official paperwork with the DMV to register the car in my name. As of XXXX XXXX  is unable to provide any evidence that they have made progress registering the vehicle in my name and I am unable to legally drive the car. 

I used XXXX  to secure financing for this vehicle through TD Auto Finance and have made a down payment and 2 monthly payments. My third will be on XX/XX/XXXX. I am unable to legally drive the car and XXXX  will not process a return.

I am also contacting TD Auto Finance to see how they can help and recommend they stop financing with this dealer. 

Any help would be appreciated. XXXX  is unable to deliver on their product and I am stuck without line of sight to recourse and an outstanding {$20000.00} financed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Received unwanted marketing or advertising

Complaint:
Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. I 've disputed it and contacted this company several times since XX/XX/XXXX up until XX/XX/XXXX they did n't respond most of the time and the few times they did they stated it was valited but could not provide me a True validation with a signed contract. Anyone can get someone 's name, address, and email address. I want a TRUE validation with a signed contract!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best Buy Credit card through Citibank. Card has never been late and has been fully paid off for months. I was charged a {$99.00} annual fee and within 90 days of the charge asked to have the account closed and the fee reversed. They closed the account but did not reverse the fee and are starting to send late notices after I have asked repeatedly to reverse the fee on the now closed account.

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 2021-04-26
Company: EQUIFAX, INC.
State: AZ
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 disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX/Hunter Warfield ... I moved from an apartment the company was awarded possession of the property and no monetary judgement. I moved out in XXXX 2013, I did not sign a new agreeement or lease. I am providing a copy of court order granting them possession of apartment only .... I dont owe them any money .. The company reports this information to all bureaus, XXXX, XXXX and XXXX The judge awarded them possession of apartment which I left clean and in good standing ... The company keeps reporting this information through various companies and I want it removed I want it removed from my credit report immediately ....

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I am Writing to File a Formal Complaint against American Express : They have been a challenge to deal with on 3 main large scale issues : 1 ) Difficulty in getting anyone from any appropriate department to credit back a XXXX  membership fee that should have resolved after account closed shortly after opening. 
Being tossed back and forth between several different departments spending hours and days on the phone. 

2 ) Unfair and unethical practices regarding fraud disputes. Rejecting fraud claims from XXXX in XX/XX/XXXXand refusing to credit valid consumer disputes when proof was provided. Automatically charging back {$36000.00} worth of charges at once on 8 different accounts and inaccurate credit reporting showing 350 % over credit limit when the accounts were separated. Harassment and aggression from XXXX XXXX XXXX with unwillingness to work with me to resolve claims. 

3 ) Closing all accounts on no formal basis and severely decreasing my credit score with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX in full on the bill in question. I have a signed receipt from XXXX XXXX billing department reading " Paid in Full '' from their billing manager. I submitted it to American Adjustment Bureau XXXX CT and also submitted it to the credit bureaus disputing the matter. American Adjustment refuses to acknowledge the bill was paid and keeps reporting it has not to the credit bureaus. When I call American Adjustment Bureau in XXXX CT, and on the very rare occasion they actually answer the phone they say " Your account is locked '' " we can't do anything or tell you anything more sorry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Certified/Return Mail was sent to this creditor, Chrysler Capital requesting that the account # XXXX since XX/XX/2015 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Chrysler Capital must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Experian Information Solutions 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 XXXX - Charge off Account - XX/XX/XXXX I sent a letter requesting information and an investigation over this account and kept getting the same response with no information on the account and how it was investigated in detail. I sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanding information over this account and the documents that verified this was my account and I don't get any information from them.

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 2020-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company causing me distress is Experian. they keep reporting false and misleading information on my credit report. when I reviewed all the accounts, I noticed the " date opened '' " date of the last activity '' and " payment Status '' were all inconsistent. I requested a consumer credit application which I signed and they could not produce one. i contacted each of the companies and they also count not produce the consumer credit application so I had to sue them. Experian has continued to violate my rights according to 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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
sent all required documents that supports my ftc violation claim inquires caused were not removed transunion : XXXX : XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX consumer services 5 times XXXX   XXXX XXXX  twice XXXX XXXX XXXX : 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 2020-11-18
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a account with JP Morgan Chase Bank in XX/XX/XXXX, and deposited {$25000.00}, loan from XXXX XXXX XXXX It was to help my children in college, pay for food while they were in school and to help with some medical bills. Once Chase bank verified with XXXX XXXX, the money was deposited on XX/XX/XXXX. I was told I would received my bank debit card in the mail in 3-7 days. The card never arrived until 3 weeks later. I had to send my kids money for food and pay rent for my daughter in college. The bank offered two money send features, bill pay/XXXX services which I tried to use both to send money to my family, Which at that time Chase Bank proceeded to reject my attempts to help my children 3 times. I called Chase Bank and was told this was fraudulent, I verified myself and they said should not happen again but they continued this activity for about a month. Needless to say I got upset and angry. I stated, this is my money and I have used bank services as intended to help my family. How can using my money and bank services be Fraud. I was interrogated, persecuted, and accused of Fraud. They also accused XXXX XXXX XXXX of fraud. So after several attempts to send money to my kids, Chase Bank flagged me as a fraud and froze my account. They are trying to charge fees, confusing my transactions, restricting my transactions and have plans on trying to take/confiscate my money. I believe this to be a effort to use circumstances created by Chase bank to take my money. I spoke with Chase Fraud department many times and the last time they I told them, as many times before, you are accusing/treating and making accusations to a innocent person and are affected my children. they said " we will see about that '' authoritative/arrogant/self righteous. I told them and challenge then to contact the financial institution that deposited the money and verify. They would not listen. I called XXXX XXXX and told them to intervene and to re-verify my legal deposit. I need your help exposing these deceitful and corrupt activities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BMW Financial Services NA, LLC
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 status incorrect

Complaint:
XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by BMW which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: MO
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 just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX resulting in a lower credit score. I did not apply for credit. 

Equifax searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want Equifax, and XXXX to do the same. I want XXXX investigation as to why they pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Alpha Recovery Corp
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:
The original debtor, XXXX XXXX sent the account to collections with XXXX XXXX. After being sent to collections and being disputed XXXX XXXX completed an investigation and found that the account was in fact fraudulent/opened as a result of identity theft. I received a letter from the original debtor that I am not to be found responsible for any previous or further balance on this account and sent this letter to XXXX XXXX. XXXX XXXX  continues to report this collections account on my credit and has not responded to my letter about removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions 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:
I have asked in written form numerous of times for the credit bureau to investigate and provide method of verification to me regarding the inaccurate errors on my credit report. To this date that have not but yet these errors still remain on my credit report. The law states that must verify this incorrect information and provide me with their method of verification, they have not done so, so by law they have to remove the errors.

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 2019-06-10
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: Information belongs to someone else

Complaint:
sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : equifax : XXXX XXXX XXXX rpts ar XXXX XXXX XXXX eqifax XXXX XXXXs 5 times XXXX XXXX XXXX twice XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: CITIBANK, N.A.
State: MD
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:
I disputed a rental car charge for {$160.00} as the email confirmation from the rental car agency was drastically lower, and the rental car 's customer service was unable to help or didnt have the permissions to issue a refund. 

I disputed the charge through my credit card and received a notification that a temporary credit was applied to my card while a dispute was opened. I received no other communication or request for information. 

A month later, I received a letter from credit card company stating the dispute had been resolved in the merchants favor. No details were provided. The only explanation was that there was insufficient information to support my claim. However, no information or documentation was ever requested. 

I tried to contact customer service via chat but was repeatedly rerouted and disconnected.

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 2022-08-05
Company: LEXISNEXIS
State: UT
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:
About 60 days ago I sent a request to XXXX / LexisNexis To verify some information on my report I have yet to receive any type of a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received my supplemental tax bills in XX/XX/XXXX, and immediately sent them to AmeriHome for payment. They had not collected enough ( {$400.00} short approx. ) so they mailed me a check from my escrow account and I paid the taxes myself, adding the remaining funds. The supplemental tax bills provided in XXXX called for 2nd payments to be made in XX/XX/XXXX. In XX/XX/XXXX, Amerihome raised my monthly payment by {$100.00} to help cover the gap in the escrow account. In XX/XX/XXXX, I received two notices of penalties for non-payment of supplemental taxes, amounting to almost {$400.00} in penalties and fees. I forwarded these to Amerihome and reminded them that they had my bills to pay for 7-8 months. They did nothing. I called and they told me : we do not pay supplemental taxes. I asked why they would collect {$14000.00} per year for {$1200.00} in standard property taxes, and why they raised my monthly payments to specifically cover supplemental taxes? They finally admitted that they DO pay supplemental taxes, and proceeded to do so, however they used my escrow money to pay the {$400.00} in fines!! I called to get a refund, they told me " we do not pay supplemental taxes ''. After another argument, they agreed that they do, but they refuse to reimburse for the penalties which THEY caused. This is called : fraud. For the record, Amerihome ALSO FAILED to pay to renew my homeowners ' insurance, required by law!! They let it lapse for an entire month while at the same time sending me letters demanding I obtain coverage! My insurance company contacted them 3 times to no avail, until I called and yelled at them to pay it or I would sue them. They finally paid it, but I had no coverage for a month. Amerihome is asleep at the wheel - for a company responsible for my mortgage, I have ZERO confidence that they know what they are doing. They have cost me money, put my home at risk, and refuse to take any responsibility. Please help, this is my first home and all I have experienced is XXXX and being ripped off by Amerihome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was messaging a person on XXXX on XX/XX/2020, and they promised that they would transfer {$1000.00} into my Paypal account of I sent them a transfer fee of {$56.00}. I sent them the money and they never gave me my money in return. I asked the person to transfer my money back to me but they had blocked me and deleted the conversation we had about this subject.

Company response to consumer: Closed with explanation