BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: NE
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:
equifax is not a good company to help you correct errors on the report. they put things on your report that is not correct that messes with your credit and when i called to ask them to get me back on the website it locked me out because their website will ask you 2 questions what car loan do you have and how much and what personal loan do you have and how much and when you say you dont have one it locks you out and when you call them to get back back in they wont do it. they just do this to get you to have to send in your ss card and drivers liscense in and this seems like a scam to me to do this on the website so you cant get a copy of or credit report so you can get off the items are are fals on their website. even the supervisor XXXX said she wont help to fix so you can get back in the website to get these items off the website. i told them i got denied credit and i have excellent credit but something you have on your credit report that you put on there that is not correct i need to get off but they wouldnt help me dispute it when i asked to dispute it. this company is a scammiing company how they put that question on their website to lock people out so they cant get into their website by asking everyone the same question when you dont even have a loan or personal loan to lock them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7

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 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one had frozen my currency and I'm not able to retrieve currency from my account and their action has caused my account to be overdrawn. I provided documentation to capital one and capital one has continued to freeze my currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: JPMORGAN CHASE & CO.
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:
Both XXXX  and XXXX  continue to include on their credit reports a Chase home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, XXXX, and Chase with my dispute. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  and XXXX  state their investigations involved following up with Chase and Chase told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to Chase detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, Chase has not responded to my letter. I have never received an explanation from XXXX, XXXX, or Chase as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX  and XXXX  credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX   was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022, Toyota Financial Services, which is a debt collection agency, hired someone, without my knowledge and consent, to come to my home and take my vehicle which was fully paid for with my consumer credit application and said that if I didnt pay $ XXXX to them, I cant have my vehicle. They never applied the accepted credits to my account and without my knowledge nor authorization to falsify information and report to the credit reporting agencies that I have not paid and have missing payments. As a consumer, my rights to privacy were violated and are trying to coerce me to repay them even though they got paid the moment I submitted my credit application. The FDCPA states that any form of harassment, as well as the taking of illegal action, improper sharing information, and false representation is prohibited. They are in current possession of my vehicle and are determined to not give it back unless I pay an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, 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 non-monetary relief
Consumer complaint received 2018-01-22
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello my name is XXXX XXXX. I am one of many victims who have been 100 % mislead or misinformed by an online predatory lendind institution engaged in illegal business called Big Picture Loans. Theyre a tribal institute supposedly located at XXXX. XXXX XXXX XXXX Michigan XXXX although after agressive research another victim reported them as operating out of the XXXX. I can not give you actuall dates as i can not bring up my account info, and cant contact them as they wont answer their phones. Shortly about a week before XXXX i responded to an offer via online to a preapproved money lending offer. Halfway through the online application i received and took a phone call from them. They stated that the app was approved and could have money in my account tomorrow. They stated there would be a {$120.00} finance charge. They didnt tell me there was an 850 % interest charge. Days later i received an e-mail with a breakdown of scheduled bank withdrawal payments. In re its going to cost {$3700.00} for a {$500.00} loan. I am currently seeking an attorney to get this issue resolved. These people should be stopped as they are scamming hard working people out of their money. With the advise of my bank i closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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:
My name is XXXX XXXX XXXX, I open a credit card with bank of america a while back. The term and condition of the credit card is zero interest for a certain period of time, ( I think it was 18 months no interest though the duration is not relevant in this discussion since this is about fraudulent charges by the bank ) as well as no annual fee. About a year ago, I was charged an annual fee by bank of america against the term and condition of their own credit card sign up, then afterward, when I have a balance of XXXX on my credit card account because I pay off all my balance. Bank of america automatically charge me an automatic payment of {$25.00} when I do not owe them any money ( which actually result in a negative balance in a credit card showing the bank basically steal my money ) and then they wrongfully charge me a non process able fee because they could not fraudulently steal my money with wrongful charges. These problem are still not resolved, but due to so many criminal and unlawful action on my credit card account by bank of america, the very company issued the credit card, I tried to close my account. Bank of america refused to let me closed my account at first, while continue placing fraudulent charges on my account. When I finally able to close my account with bank of america, they report a negative remark on my credit report for not paying them for a balance created by their fraudulent charges on my account which affect my credit score.

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 2018-01-22
Company: TekCollect Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. Please tell me why you think this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX  Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX convinced me to consolidate my loans with them back on XX/XX/XXXX. XXXX XXXX ensured me that my payments were going to count towards the Public Service Loan Forgiveness Program. I did not know any better. I called a few times to ensure that my repayment plan would count toward this Loan forgiveness program and was assured that each monthly payment would count. I kept making payments to them until the Fall of XX/XX/XXXX. I went to the XXXX website and transferred my loans with them to enroll in a qualifying Income Driven Plan. XXXX XXXX was not honest with me and made me think that my payments with them were qualifying towards the Loan Forgiveness program. XXXX told me that none of the payments I made with XXXX XXXX qualify towards the Loan Forgiveness program. Either XXXX XXXX or XXXX lied to me. This is injustice. I am serving my country by working on counter-terrorism initiatives at a government agency and these loan companies are taking advantage of former students like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house on XXXX 2016, and when i purchased the house i was given an impression that i have to stay with my home insurance company or there will be a problem with my mortgage approval, but the insurance company was asking me to register my vehicle as well or my insurance will go way too high. i forced to get the home insurance through my private insurance company since it was affordable and i was very clear to the mortgage provider that my insurance should not be paid through my escrow but after a year i found that they have been paying home insurance through my escrow, while i was paying my private insurance separately. Since i found about it my loan care is ignoring my emails and i am not getting any answers 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 explanation
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Citi Miles Ahead Savings Account after receiving an email with a promotion. The promotion states that if I opened a new savings account with {$10000.00} and kept a minimum balance of {$10000.00} for 3 months, I would received XXXX AAdvantage miles. After the three months I still had not received the reward. I contacted Citi multiple times through their online chat and the reps told me I just had to wait. That it would take 2 billing cycles after the 3 months for me to receive the reward. The last time I contacted them, the rep said they were submitting it to their research department to find out what I had yet to received the mileage reward. They have now contacted me and their conclusion is there was no promotion running. What?? I have it in writing from their representatives telling me I was signed up for it and that it was just a matter of waiting for the points to post. Then all of the sudden, they conclude there was no promotion. Citi is an absolute disaster. There were multiple other issues along the way with this savings account and this just the latest debacle with this joke of a company.

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 2018-01-21
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. 
I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!

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 2018-01-21
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is an UPDATED complaint submission to my current CFPB case under complaint ID XXXX. For several months Chase has been incapable of drafting my monthly payment for my car for the last few months from both my bank AND credit union. Three submissions to the CFPB now and they give false and/or contradictory information in each response. So I contacted Chase to try to find out how I 'm supposed to make my payments since the only options they have given is open a Chase bank account or XXXX XXXX. Neither of these are acceptable when I have to bank accounts that EVERY other bill I pay has no problem drafting from. When I contacted Chase it was made clear what the problem is. THEY STATE MY ACCOUNT IS PAID IN FULL. They even sent me a letter to confirm this. SOOO imagine my shock when some tow truck driving fool tries to sneak up to my windows late in the evening shining his flashlight around SCARING my kids. Well he was gone quickly once discovered. I do n't know what three ring circus Chase has going but this is CLEARLY a legal issue. They are misrepresenting BIG TIME. Chase needs to be honest NOW!!! My letter dated XX/XX/18 says paid off. Now I have been ACTIVELY trying to get an answer and if Chase takes my car after first refusing my payment attempts and second sending letter of paid in full. Then I guess Chase can pay my attorney fees when i have to take this higher I 'm providing the letter to you the CFPB AND ON MY SOCIAL MEDIA ACCOUNTS ALONG WITH THE PICTURES I TOOK OF THEIR TROLLING TOW TRUCK DRIVER.

Company response to consumer: Closed with explanation