BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello, I am reaching out in regards to a " negligent charge '' on my Toyota Financial Account. When I went in to lease a XXXX XXXX XXXX, they had me sign a legal document stating what my payments would be for the 3 year lease. I guess over the course of that time, they raised the tax amount by {$2.00} and did not inform either by email, phone or text of these changes. I was set up on auto pay for the whole duration of this increase, and they never even reached out to me. It was only after 12 months of negligent payments ( which my actual payments were always on time and NEVER late ) that I had an extra charge of ~ {$25.00} dollars and my score dropped by 100 points. Up until then, I was working on my credit score because of past financial issues. I have been paying on time for almost all my bills for about 3 years, so seeing my score drop once again due to XXXX dollars was quite the devastating blow for me. 
I tried to reach out the Toyota because this is directly their fault. They said they would be able to get it all cleared up for me since they realized it was, in fact, their fault. When I checked back with them, they deemed it a fair charge, even though it did not match the actual numbers given to me on a legal-binding contract. Now I am reaching out to you all, because I am honestly trying to buy a home. My credit score is so vital for that, and with my score dropping from XXXX to XXXX, I need to get this cleared up. 

Thank you so much for listening, I really hope we can get this figured out. As I said, I really am trying my hardest to have the best credit score possible. If you need any more information at all, please feel free to reach out to me whenever. 

Thank you again, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: TX
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The Credit Bureaus are reporting inaccurate information on WELLS FARGO. 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.

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 2022-10-04
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 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 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 2022-03-31
Company: Experian Information Solutions Inc.
State: NC
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:
I have a hard inquiry on my experian credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

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 explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have inquiries that I did not authorized and accounts that are not mine and one account that is wrong as far as the charge off notation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have two open and current accounts that are not showing on my credit report. The first account is with Commenity Bank XXXX and the second is XXXX XXXX credit card. Commenity back I have had numerous problems with and my current account with them was showing on my report for a while but it just somehow disappeared today even though the account is still open and in good standing. This hurt my credit file drastically. The next is a XXXX XXXX credit card that is in good standing but doesnt show on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
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 XXXX XXXX credit services Account # XXXX, XXXX XXXX XXXX  # XXXX and also any other XXXX XXXX  XXXX accounts 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 2017-10-27
Company: V and H Portfolio
State: VA
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:
On XXXX XXXX, XXXX I sent Vance & Huffman a letter in which they received on XXXX XXXX, XXXX disputing an account on my credit file. I asked them to send me the XXXX XXXX, and promissory note along with my wet ink signature and they have failed to provide me with that information as well as they have not put my account in a disputed, nor have they verified the status per 15 U.S Section 1681i ... This account also has missing and inaccurate information listed which is in direct violation of the FCRA..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
30+ days ago I called XXXX XXXX XXXX fraud department  at XXXX to inform them a hard inquiry listed on my transunion credit report do not belongs to me or was made fraudalent. The agent told me they will notify transunion to delete this hard inquiry.Today I call this bank again to check why this hard inquiry is still listed on my credit report, another agent tell me the same story once again, that they will notify transunion to get this inquiry delete. I ASK FOR CONFIRMATION NUMBER OR A LETTER AND SHE DENY MY PETITION.

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 2020-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
First, I have never been late on any payments to this company. I was gravely sick, and missed the 30 day mark by a day or so. After I called them 2 months in a row for them to replace my lost card. Ive tried to rectify this with the company, but they denied me. I would really appreciate if the company could overturn this one time. Im trying to purchase a home and this is negatively affecting me. The k you for your assistance. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One has fraudulently reported my deceased mother 's credit card information to the credit reporting agencies as my unpaid debt. My mother passed away in XX/XX/2020. I had her mail forwarded to my house, however, I never received any statements from Capital One that she had an account or that an amount was due on a Capital One account. I had my credit rating pulled by a mortgage lender in association with purchasing a house, and I found a debt on my credit report from an unknown Capital One card. When I inquired about the card I found out that Capital One had fraudulently reported my mom 's debt on my credit. It adversely affected my credit because at that point the account was seriously delinquent ( 7 months had gone by since my mother passed away ). Capital One admitted that the card should not have been reported on my credit, and amount was so small they closed the account, but Capital One said that it would take 1-2 billing cycles for the credit agencies to be notified of Capital One 's fraudulent actions. At that time I asked for a letter from Capital One that this issue was resolved, but the representative refused to do anything more that issue the correction to the credit reporting agencies. 
I asked around and found out I was entitled to a zero balance letter, which would verify that this matter was resolved. When I called Capital One back to ask for a XXXX  balance letter that initially told me they could not send me one. They only agreed to send me one at all when I threatened a complaint to CFPB. Once they agreed to send me a XXXX balance letter, they told me that they could only fax a letter to me XXXX I do not have a fax machine - who does anymore?! ), they would not email me a letter, and that the quickest I could get a letter would be 15 business days. 

I am trying to close on a mortgage to buy a house, and I need this letter to verify to the mortgage lender that this matter has been resolved. I feel that Capital One fraudulently reported my mom 's credit on my credit report to harass me to pay her debt, and that they feel no sense of urgency to correct their fraudulent actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I tried to transfer my membership rewards points and I got a message stating that my account was under review. I am not sure why it would be under review when I legitatly made all purchases and I met every minimum spend requirement. If there was any returns I made sure to spend enough before the minimum spend time frame was up. I tried calling and talking to the membership rewards team and nobody could help me. I told them I urgently needed to access the points but they said in verbatim, wait XXXX weeks. For a company that prides itself on excellent customer service, this is absolutely unacceptable. I was n't rude, I politely asked for someone to review my account right now because theres nothing wrong at all. Please review the account that is frozen and allow me to access my points. I love american express and i look forward to continuing this relationship. Please do the right thing. 

Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries are is on my credit report and most of them I didnt authorize. Also many of the companies listed I have no desire to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used my citi bank Master Card on the XXXX of this month to buy new Tires for my car XXXX it was paid by citi bank ... I get an email from citi bank saying my account has been closed as of the XXXX. I called today on the XXXX and spoke to Supervisor she told me my account is closed and I cant do anything about it she wants me to pull my credit again ( I asked why did the charge go through used it so it cant be cancelled ). I feel am being discriminated because of having good credit citi does not want to respect that I already used the card .... They should open my account without having to pull my credit ... ..

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 2022-03-31
Company: American Credit Acceptance, LLC
State: NC
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:
I have a hard inquiry on my XXXX credit report from AMERICAN CREDIT ACCEPT XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Investigation took more than 30 days

Complaint:
I sent a copy of the letter to TransUnion with items to disputes on letter that's attached on XX/XX/2021. No items was removed, no information from TransUnion was received to me. It's been over 30 days. My complaints was to have inaccurate reporting information on my credit removed. The inaccurate and obsolete accounts and unauthorized inquiries were not removed as they should have been.

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 2017-10-28
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXX I received a letter in the mail that stated that Loan care my mortgage company purchased insurance because I did n't have any on my property XXXX XXXX XXXX XXXX MI XXXX. After several hours on the phone and several different operators I was informed that my insurance payment was do on theXX/XX/XXXX and they ( Loan Care inquired the loan on XX/XX/XXXX. So there for the old mortgage company did n't pay the insurance out of my escrow account and therefore insurance was n't renewed. immediately I had to call my agent and acquire new insurance from a new company do to know fault of my own. At the time the new insurance was acquired I was informed that the may prorate my insurance that they bought for me for the period that I did n't have any insurance. Several times while I was on a three way call I informed the operator it was n't acceptable for them to prorate the insurance that they bought for XXXX but would be acceptable for them to prorate the insurance that I bought for! XXXX I was informed at that time that nothing could be done with that at that time because they may not even keep any money I would have to wait 2 weeks. approx. 2 weeks later onXX/XX/XXXX I had plenty of time to look into what had occurred and I called them back to inquire about the money that was prorated. After talking to several operators again I was told there was nothing that could be done I would have to go after the old mortgage company. I asked several people who my old mortgage company was so I could contact them because I only showed them ever owning this loan since a year ago. She told me she could n't help me but she would transfer me to someone that could help. After talking to the next person she informed me that she did n't know what they were talking about Loan care has owned this mortgage since XXXX. I then explained to her that I beloved there was fraudulent activity going on in my escrow account and she recommended me talking to the resolution department. On XXXX the XXXX I was on hold with the resolution department and she stated she would look into this matter but agreed they did in fact own the mortgage and neglected to pay the insurance by what she could see. She at that time told me there would be a resolution to this probably by today by the end of the business day or no later than XXXX. Without saying nobody contacted me back by XXXX and I made contact with them again trying to get a resolution to this fraudulent activity that appeared to be going on. During this process I also inquired to them about my escrow balance that did n't seem to be right but they had no explanation.

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 2022-03-31
Company: Paypal Holdings, Inc
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my Venmo account was frozen after I submitted a payment to my stepfather for a car, I was told to submit documents to prove I was who I say I am. I submitted the documents but then, later on, received an email saying my account was permanently deactivated! I texted Venmo over and over asking why my account was deactivated, I was told that my funds were being held for 180 for loss prevention services! Why would my funds be held for 180 days!! Here it is going on XXXX and my account is still locked and my funds are still being held, I would like to come through you guys as a final step before suing Venmo and receiving my money, Please help me with this as it caused me very hard times since then, I haven't been able to recover and handle my bills on time which has caused so much stress on me, I've even had to go to the doctor!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my Trans Union, XXXX and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

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