BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I have leased two XXXX XXXX from XXXX XXXX, which was leased through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX I have cosigned one XXXX for my brother under account number XXXX I got shocked to receive default notice from TMCC in XXXX second week, that there is no payment has been submitted on this account. 
Upon investigation, I found out account number on this account was entered incorrectly, that why payments were not being made and bouncing back. 
It was fixed when found out. My credit has been reported for 2 late payments. 
How come lender never communicated with the person for 90 days. 
There was NO communication till XXXX first week, when we found out and cured. 
I think reporting adverse late payment history to credit bureau without even approaching borrower is not right practice. When the accounts get delinquent, Borrower/guarantee should have gotten a communication right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN EXPERIAN HAVE NEGATIVE INFORMATON REPORTING TO MY CREDIT FILE WHERE I NEVER HAD THESE AQCCOUNT AND IF YOU LOOK AT MY CREDIT REPORT XXXX  AND XXXX ARE NOT REPORTING ANY NEGATIVE ITEMS WHERE DID THIS COME FROM MAYBE THESE YOU GUYS ARE REPORTING SOMEONE ELSE INFORMATION,

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 2022-06-20
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had waited months to get my Loan modification docs, finally got it and waiting for the bank to update in their system so I can start making my payment regularly, I was advised by one of the representatives that it could take months which is unacceptable.

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 2021-01-26
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivables Performance Management ( RPM ) has reported a collection on my credit report erroneously ; the account actually belongs to my son who shares the same name and once lived at the same address as I do. 

RPM was informed of the error on this past Tuesday, XX/XX/2021, when my mortgage lender was alerted of the the derogatory account. ( We were scheduled to close on our new home that Friday, XX/XX/2021. ) I immediately disputed the account and contacted the original creditor ( XXXX ) who confirmed that the delinquent account indeed belongs to my son ; a store manager even added in the account notes that she confirmed our identities by checking our IDs. 

My son and I both then called RPM and informed them of XXXX XXXX verification, but the RPM collector wouldn't accept our word ( understandably ) and said that they couldn't even accept a verification from XXXX over the phone ; it must be in writing and done electronically, which I find to be ridiculous and curious since the collector ( XXXX ) had stated during our phone call on XX/XX/2021 that RPM and XXXX work in tandem. Therefore, it shouldn't have been a problem for him or someone in management to straighten out this mess with XXXX. 

RPM refused to contact XXXX to request the verification or even to confirm they have the wrong social security number attached to the account, even when they had been informed of the absolute urgency to fix this simple error. I made calls back and forth for days on end, trying to remedy this matter before our closing day ; meanwhile, RPM remained steadfast in refusing to contact XXXX and refused to let me speak to someone in Escalations or even one supervisor 's manager, whom XXXX, a " supervisor, '' claimed " does not take phone calls and doesn't have an email address. '' This whole ordeal is not only an inconvenience, but it has been costly!! It's costing me and my family over {$100.00} a day in temporary housing because we can not close on our home due to this ONE error that RPM has made. ( Not to mention, this has tanked my credit score 100 POINTS, which means if our mortgage lender reruns my credit with the collection, our loan will be denied, and we'd lose our deposit AND our house. )

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 2020-12-10
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Yamaha Motor Finance is my servicing finance corporation for a vehicle loan. The dollar amount is approximately {$150.00} and there is reporting to crediting agencies that was inaccurate and based on failures of Yamaha Motor Finance staff, processes, and XXXX XXXX. 
On XX/XX/2020 I was contacted by Yamaha Motor Finance and was notified that my payment had not been made and that it was due on XX/XX/2020. I provided accurate information to the technician and made a payment over the phone. On XX/XX/2020 I was contacted and told that the payment failed due to insufficient funds, that there were now additional fines, and that this had been reported to the credit rating agencies. I was shocked. I had already made good faith attempts to make payments and due to Yamaha Motor Finances ineptitudes, I am now being punished in long term ways. I believe Yamaha Motor Finance is purposefully negligent in its processes, procedures, operation, and XXXX XXXX systems to ensure collection of fees from the consumers they prey upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We Received a Wire Transfer. Well Fargo is Holding our Funds after 2 months

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 2018-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with bank of America and they are reporting to XXXX in accurate information account activity that is closed. which is still on the report and needs to be removed.

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 2019-08-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I WENT TO THE BRANCH TO GET A CARD REPLACMENT AND WAS TOLD THAT WAS MAILD BUT NEVER RECIVED THE CARD WAS TOLD THAT THE POST OFFICE WAS THE REASON OF NOT RECIVING MY CARD. ACCORDING TO THE BANKER THEY WAS GOING TO OVERNIGTH BY XXXX .. AND NEVER HAPPEND THIS SITUATION ITS BEING GOING OVER MOTHS THEY AREADY GAVE ME 3 TIMES TEMPORARY CARD BUT NEVER ISSUE A PERMANET CARD I BEEN WITH THIS BANK FOR YEARS DO NOT APRECIATED THAT I HAVE TO GO TO THE BANK FOR HOURS AND THEY HAVE DIFERENTS STORIES I WILL APRECIATED IF SOMEONE WILL LISENT TO THE RECORED LINE AND SEE THE ON ACURED EXPLANATION AND FALSE STATEMENT TODAY THEY TOLD ME TO WAIT THAT I WILL RECIVED MY DEBET CARD BY XXXX LEFT WORK EARLY TO BE HOME LOST A DAY FROM WORK AND NEVER RECIVED MY CARD

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 2020-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband died XX/XX/2020. Lost a great amount of monthly income, approx {$4000.00}. XXXX XXXX XXXX with current " mortgagee ''. This company is in a " TRUST '', only modifications, no refi 's. Company is Select Portfolio Servicing. All docs were submitted via email attachments on timely basis ( dated ). On 1 document I received ( XXXX ) states my SS $ was HIGHER than direct deposit. I called, was advised once ALL payments made, a review of account AND income would be made. Loan mod proceeded with TEMPORARY monthly amount as I was advised. NO missed payments. Payments were entered ahead of schedule with confirm #. Upon completion of TEMPORARY payments, received NEW agreement with SAME AMOUNT DUE AS TEMP. No changes. One Rep told me the TEMP IS the NEW monthly amount. Numerous calls made ( documented-CSR name/EXT./time of call ) as to WHY an added 125 % onto my income? Had my Attorney ( paid him {$350.00} for 1 phone call to SPS Acct. Rep/no info ) SHE had NO answer. Finally got answer from another CSR. ALL clients are subject to this 125 % tacked onto GROSS income. This is fraud, in my opinion, as I do not make that amount of money. They are attempting to obtain more money from me. I DID NOT sign papers, received numerous calls after stating I was not accepting why docs NOT received. I am back on monthly auto draft with higher monthly amount. I feel I was not treated respectfully, especially by my Account Rep. Most of the CSR 's tried to help, but they had no answer. How do I proceed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: AZ
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:
My information with EQUIFAX has been breached here is the proof and they refuse to delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency XXXX XXXX XXXX, Original Creditor Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: FL
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:
Someone open A Fruadulet Account on my Credit Report.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX  XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}

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 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2018-04-10
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GC SERVICES LIMITED PARTNERSHIP is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after XXXX  was unable to verify the debt with XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX  sold the debt to GC SERVICES LIMITED PARTNERSHIP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BARCLAYS BANK DELAWARE
State: GA
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: Problem with personal statement of dispute

Complaint:
Barclays Bank XXXX XXXX has reported me as late in XXXX. This occurred, after multiple calls on recorded lines. I called them in XXXX to report a hardship. They set me up with an agreed upon payment plan which I met the terms to. Then they reported me as being late. When I called twice, I was told that I was reported late because I didnt make the regular psyment. Even though I paid what we agreed to they told me I should have know I would be reported late. At no time, again on a recorded line did they ever mention they would report me late. They just wanted my payment and had no intention of living up to what we agreed to as the assisted me during a hard time. After my second time on the phone trying to have the late payment removed I was told there was nothing they could do so I closed a 14 year account. Simply said, they operate in a unethical way. On other calls I had after XXXX they told me if I made a large payment I would be caught up. I did just that paying {$400.00} in a XXXX to once again be lied to as I still wasnt caught up. Thats when I canceled. I did everything they asked and each time they never stated I would be reported late until they did so. I would like the calls to be listened to from XXXX on which will prove all I say. Simply they are again very unethical as thats not how you do businsss when a 14 year customer asks for assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
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 fraud alerts or security freezes

Complaint:
Experian is placing fraud alerts and freezing my credit report causing great issues with my credit standing. I am unable to reach a live person to discuss issues. I file a dispute and some are resolved same or next day but others are not being addressed or resolved. I provide proof and accounts are not updated.

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 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received a {$20000.00} wire from a person I know. XXXX XXXX  said it was not intended for me. It was disputed by BofA. XXXX then closed my account and reported me to the XXXX XXXX. And black listed me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had {$1000.00} deposited into my account XXXX days ago and they will not let me transfer money to my debit card they will not let me transfer money to any of my friends on my list in other words they will not let me get my money anyway which way whatsoever. They have Frozen my account so I have no access to my funds I have a car payment due yesterday and my power has been shut off now because of non-payment because I can not get to my funds that they are holding for no reason whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received multiple text and emails from Discover card about charges I never put onto the card. I call and everything adds up but why am I being spammed by Discover so often I am not sure. Please help and look into as these to me are malicious links getting into my info and possibly access to my phone and router ports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: NJ
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 try submitting a dispute however Equifax is not allowing me to do so because I move to a new address. They are refusing to speak to me about my account, prior disputes and status of disputes. I also noticed they as recently as today reported incorrect information in regards to my student loan amount due and deducted 13 points from my credit score. I looked at my account balance in XXXX and it does not match the balance Equifax is reporting. Equifax is reporting an increase in balance of XXXX $ and a total balance of XXXX XXXX My Navient account is reporting {$18000.00} as a balance.

Company response to consumer: Closed with explanation