BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been financing my XXXX XXXX XXXX XXXX through the Toyota Financial Services since XX/XX/XXXX. Ive been making my payments on the XXXX of every month. On XX/XX/XXXX I made a payment and on XX/XX/XXXX my account was restricted without any notice. On XX/XX/XXXX of XXXX I received a letter from Toyota financial saying as of XX/XX/XXXX my account would be considered paid in full and the title was being released to the TX DMV. On the day I received the letter I called Toyota financial and waited for 30 minutes with no answer, couldnt even leave a voicemail. On XX/XX/XXXX I receive another letter from them saying they were sending a refund check for {$680.00}. I attempt to call them with no response and a full voicemail. On XX/XX/XXXX I called requested a call back, due to work I missed the call, no voicemail with a call back number was made. On XX/XX/XXXX I finally am able to speak to a lady in the financial office. While on the phone with me she realizes they had applied someone elses paid-in-full check payment to my account. She proceeds to ask if I have received the title, which I had not, because they need it back and that they were going to reopen my account. I ask for a manager to explain to me what is going on they said I would have to wait until they got the title which was sent to a XXXX dealership, which I have no relation to. They inform me they will reopen my account once they receive the title. 20 minutes after speaking to them I get a courtesy call, the first since all this happened, from Toyota financial saying they have sent me a check for a {$1000.00} dollars in the mail to not cash it when I received it. On XX/XX/XXXX I check my account online and notice it has been reopened with an additional {$2000.00} added to the amount I still owed before The account was marked as paid in full. The total now is XXXX, when it was XXXX after XX/XX/XXXX of XXXX. I call on XX/XX/XXXX, agent XXXX tells me my account has been pass due since XX/XX/XXXX of XXXX thats the reason my payment has doubled for the month of XXXX. I have my bank statements saying otherwise. I requested to speak to a manager and was told one was not available at the time. There is no statement for the month of XXXX at all especially one thats states my account is pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I have a QuickSilver Capital One Credit Card Account and a Spark Business Capital One account. On XX/XX/23, I attempted to pay the full balance of these two credit cards from my Capital One Checking account. However, both payments were rejected by Capital One and sent back to my checking account. I called Capital One and they were not able to provide me with an answer as to why these payments kept getting sent back to my Checking account. Capital One is still charging me 31 % interest on two credit cards that they are refusing to let me pay off. This feels illegal and unfair. I would like to be able to pay off these credit cards and close these Credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CFAM Financial Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I opened a vehicle loan in XXXX of XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!

Company response to consumer: Untimely response
Consumer complaint received 2018-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a home I tried to sell XX/XX/XXXX. No offers as it is underwater since XX/XX/XXXX. Realtor, then said short sale. I agreed but had to not make any mortgage payments for 2-3 mo. done. 1st Offer came in XXXX. I, realtor, lawyer did everything & beyond what SPS required. They have stalled, lied claiming they do n't have this document or that, yet they did and do. They have continued this from XX/XX/XXXX to XX/XX/XXXX when they finally approved a short sale that expired XX/XX/XXXX. THEY DID NOT APPROVE THE 1st or 2nd ( which is still on table as of XX/XX/XXXX ) OFFERS YET. The 1ST buyer backed out a day before SPS sent out the previous referenced letter. I fired that realtor due to his not informing me of things, let alone new damage done to my home during the hurricanes that summer. ( I live 3HRS inland & can not drive there willy nilly to check on my home ) Hired a new realtor ( XX/XX/XXXX ) and within a few weeks a new offer on my home @ substantially less now due to the damage to my home, hole in roof/ceiling etc. Again, SPS had XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to approve the offer! Nothing, In XX/XX/XXXX I began getting duplicate letters from SPS as if I just began this short sale process all over from the beginning. I am going to lose this 2nd offer, my home is getting more and more damaged as SPS keeps fooling around with irresponsible requests for documents that they indeed do have. Please XXXX Select Portfolio Servicing Inc. You will see exactly what the problems I am having.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX we send XXXX XXXX from XXXX XXXX to XXXX XXXX our money wasblocked by a correspondent bank JPMORGANCHASE BANK Iwrote to them in the mail XXXX XXXX, XXXXand again on XX/XX/XXXX, but there is still no answerfrom them, for what reasons our moneywas blocked andwhether they have it. 

Earlier we wrote you a request for information and we received a response to it. But today we have received an unblocking license from OFAC and we ask you to make a payment to our counterparty XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Accurate Background
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Accurate background ironically provided grossly inaccurate information about my criminal record- falsely stating the final disposition was convicted when the case is in fact still pending. While I dont dispute that the case can not be reported as pending, I deserve that disinformation not be reported where I am adversely economically impacted and my livelihood and human survival is unfairly impacted due to disinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: DISCOVER BANK
State: IA
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:
Date : Sun XX/XX/2018 Amount : {$170.00} Company : Discover There was a transaction about XXXX and I filed a dispute about the incorrect charge. After receiving the dispute, XXXX rightly cancelled my hotel reservation without notifying me about anything. I contacted Discover to increase the dispute amount and hope to get the entire charge back since the transaction is no longer valid. 
However, Discover refused and kicked the ball to XXXX. Discover customer service said, " you can only dispute once. There is nothing we can change and do to help you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was never late on any of my payments since I had capital one and now since a few months ago I feel on hard times because my kids had XX/XX/XXXXand I was unable to pay so they have charged me {$1300.00} in late fees for 3 months I have a credit limit of XXXX but {$1300.00} in late fees and they are still charging and I tried contacting the credit card corporate office to explain the situation they have failed to assist me and I think that is unfair due to me never having a late payment since I been with them and its been a year and a half until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Jon Barry and Associates, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On about Thursday XXXX of XX/XX/XXXX, I reached out to paragon after realizing I have an account reported from medical treatment I received on about XXXX of XX/XX/XXXX at XXXX XXXX XXXX. At this time I was not advices or given the option to apply for financial assistance or charity care or any other government assistance or programs under the affordable care act due to me falling under the poverty guidelines. 

I reached out to Paragon Revenue Group on the XXXX of XXXX Their representative XXXX answered as I attempted to receive information from XXXX. He refused to give me my information. He proceeded to pressure me to pay that I had to pay it was on my credit will remain there and ruin it if I dont pay. Was very aggressive on assisting I make a payment. I explained to him I was unable I was going to apply for financial assistance he aggressive stated it to late I must pay. Got personal asking personal trying to buy. Im not trying to buy anything just want this taken care of, as he continued to press the issue. I just said anything that came to mind in hopes hell give me my information as I continued to randomly ask during conversation. After I gave him anything that came to mind he then get personal asking well how can you buy anything if you cant afford the bill. At this point Im highly agitated asking him for my information. After I saw Id get nothing. I hang up called back four times. Three times getting him the fourth time I got a lady who finally gave me the information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and XXXX XXXX XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with Bank of America they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I have been legally XXXX for 7 years due to XXXX. I have never lived outside of Illinois due to my XXXX. During XXXX I was hospitalized for XXXX weeks fighting for my life and after XXXX I am now living on XXXX XXXX throughout the day. I am needed to move to a be care location and was informed that my credit needs to be at least XXXX in order to qualify. After pulling my credit, I learned that I am not eligible due to my low score. I discovered many errors on my credit report and fraudulent usage. After contacting credit bureaus most reporting creditors were removed due to never living in California, Texas and Virginia at the same time and while XXXX and hospitalized with XXXX. EASTERN ACCOUNT STSTEM ACCT # XXXX remains on my credit today even after showing proof of my residence. The company is reporting that I lived in XXXX Maine. I have never visit and can not point to it on a Map, even if I had vision. I am not certain what service was used in my name but they are unwilling to share. perhaps we could find out who lives there and arrest the user or owner. Further more, I have a voucher ( section 8 ) and I have lived on a XXXX for 7 years in illinois.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am again sharing the facts about the fraudulent charges made on my Barclay 's Card in XX/XX/2022 in New York. If you look at all the evidence I've shared there is absolutely no possible way my mom or I could have made any charges in New York after XXXX XXXX  on XX/XX/2022. I was in XXXX XXXX. XXXX shared that I was at work and XXXX XXXX  Then I shared documentation of my Mom 's plane ticket and hotel bill as proof that my mom was at the airport then on a plane home on XX/XX/2022. She did not realize she had lost the card in XXXX, XXXX on XX/XX/XXXX until we started receiving threatening letters from Barclays about charges we never made and items we never purchased in XXXX because we were home in XXXX XXXX. My mom can get a letter from her doctor that proves she had an appointment and was back home in XXXX on XX/XX/2022. She has not visited New York since she left on XX/XX/2022. PLEASE UNDERSTAND. WE WERE IN XXXX NOT NEW YORK WHEN THE FRAUD WAS COMMITTED. 
I have a XXXX and this is causing extreme stress and suffering because you are denying documentation that proves there was no possible was we could have made the charges in dispute. In addition, we have disputed these fraudulent charges at least 5 times and it seems that Barclay never put the interest and penalties on hold. If you continue to deny this dispute as fraud, even though we have shared all the documentation necessary that proves this is fraud, you will be forcing us to retain an attorney. I ask that you cancel my credit cards with Barclay 's and take time to carefully review that documents we shared that leave NO question that this is fraud.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according to the fair credit reporting act. XXXX  account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according to the fair credit reporting act. XXXX account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I previously had this fraudulent debt from XXXX XXXX removed by the collection agency, XXXX in XXXX of XXXX. Now another debt collector has unlawfully placed the debt in my credit report. The medical debt is the result of identity theft. Identity theft report attached.

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 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX refuses to consider the information I provide to them showing the payment of my account to XXXX XXXX XXXX as XX/XX/2019 they are reporting inaccurate credit information for over 60 days and are failing to conduct an investigation. The account has never been investigated and the company who owns the debt has never been contacted all are violations of FCRA this account has gone unverified on over two rounds of disputes by law it must be deleted 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 2022-01-28
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:
I am a victim of identity theft. I previously had this fraudulent debt from XXXX XXXX removed by the collection agency, XXXX in XXXX of 2021. Now another debt collector has unlawfully placed the debt in my credit report. The medical debt is the result of identity theft. Identity theft report attached.

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