BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is a closed account which has been discharged under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. Please have my credit reporting with the accurate accounts. Have all the derogatories off my credit 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 explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There are account that I do not recognize on my credit report, nor did I authorize any of these malicious companies to run my credit. Please remove them from my personal credit report. Thank you.

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: AMERICAN EXPRESS COMPANY
State: LA
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:
I have been an AMEX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am again requesting proof of a contract between Immediate Credit Recovery INC and myself, bearing my signature, of a loan that they provided to me. If that information is not provided with the next response. I will turn this case over to my attorney for further action. What I have been provided is a validation. It is a print out on a word document. 

I am requesting copy of the original written agreement between Immediate Credit Recovery INC, such as the loan note or credit card agreement, preferably signed by me and a representative of the company. 
I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the debt and Immediate Credit Recovery INC. 
You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XXXX XXXX, 2017, I received a call from a debt collection agency about an outstanding debt of about {$380.00} supposedly owed to Toyota Financial Services ( " TFS '' ). I had previously taken over a lease on a Toyota Corolla with TFS, but that lease ended over a year ago. This was the first I had heard about any such debt. 

My complaint regarding TFS is two-fold : 1 ) To be contacted out of the blue by a debt collector about a debt ( a ) on a contract that ended over a year ago and ( b ) of which I never received any prior notification is, if not illegal, then at least incredibly frustrating. 

I understand from TFS that they send out a single notification letter regarding outstanding debts. I did not receive this notification. Again, if this is not illegal, it is at the very least incredibly frustrating. 

2 ) Now that the debt is with a debt collector, no-one at TFS will answer any questions or give any information about the account. Instead, they refer me to the debt collector, which in turn refers me back to TFS regarding why I did n't receive any prior notification. 
Again, at the very least, this is incredibly frustrating, if not illegal. 

I will not be doing business with TFS again. It seems stupid to lose a customer over a few XXXX dollars, which I would have paid promptly had I ever been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
Inaccurate reporting has caused stress an anxiety the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with XXXX. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.

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 2021-12-01
Company: U.S. BANCORP
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amount : {$2200.00} Account : Elan Financial Services. i am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows. Date of birth XXXX SSN : XXXX. As proof of my identity, I have included copies of my identification social security number. If you are unable to verify the account with the original contract, the information should be removed from my credit report. Remove the fraudulent account Elan Financial Services.

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 2017-07-07
Company: AMERICAN EXPRESS COMPANY
State: WA
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 XXXX AMEX credit card charged me for late fee of {$27.00} and interest charge of {$21.00} stating that my electronic bank payment of {$1200.00} posted on XX/XX/XXXX on my AMEX credit card account when it was due on XX/XX/XXXX.  However, per Proof of Payment document from XXXX XXXX, my electronic payment was sent on XX/XX/XXXX. <P/>When I call to inquire about the changes, I was informed by an AMEX rep in the XXXX that a 3rd party vendor of the bank did n't process the electronic transfer in time before the due date, and that it was the fault of my Bank. I explained that did not make any sense because I had requested the electronic transfer be delivered by XX/XX/XXXX. <P/>Later, I called XXXX XXXX regarding the issue and per the Proof of Payment document, the payment was indeed sent to AMEX electronically on XX/XX/XXXX to AmEx. However, it was AMEX who did not process it until XX/XX/XXXX. <P/>Here 's another scam by a credit card company to defraud customers by charging erroneous late fees and interest fees. In this case, I have paper trail to verify exactly when payment was effectively sent electronically. <P/>Customers beware!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-26
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: WA
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:
Equifax reporting of hard inquiries on my credit. Equifax wont tell me who is asking about my credit. It has been reported that Equifax has had a security breach. I am concerned. I have notified them that I have had no application for credit to anyone in the past 6 months. They try to verify who I am by asking questions from many years past that I can not answer. The customer service employees seem to be in a foreign country and do not speak understandable English. What to do now? I have spent many years getting my credit back inline from the XX/XX/2008 disaster only to be subject to fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Sent dispute to company and never received a response back. Letter was sent certified.

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 2017-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated two payments using Chase online to XXXX XXXX XXXX ( the " payee '' ) both payments initiated on XX/XX/XXXX and both payments " expected to arrive '' on XX/XX/XXXX. 

The payee claims to have only received one payment and can not identify which payment it received. Chase claims both checks were deposited.

I asked Chase to initiate a fraud claim with regard to the payment which was n't received by the payee. They have refused because " I can not tell them which of the two payments was n't received. '' The payments were made from Joint Checking and High School Checking. The transaction numbers are XXXX and XXXX. 

Please cause Chase to investigate and confirm that both checks were deposited. If they were, please cause them to open a fraud investigation as I have confirmed with the payee that they did n't deposit both checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022, I found XXXX incorrect address on my credit report. 
I called transunion and they would not remove these incorrect addresses.

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 2017-10-04
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to have a PMI payment cancelled with XXXX, after my mortgage was resold to them at the beginning of the year. Currently, PMI is still being taken out of escrow despite my mortgage now at 76 % XXXX. When at 80 %, they required a {$500.00} appraisal on the property when we had refinanced 6 months earlier. This itself is ridiculous as a quick mls search in area within the last XXXX mos is sufficient to see the value of home had not declined. A full reappraisal in such a short time period is absurd, and an abuse of fair reading of the law. 

As the appraisal cost was more than continuing PMI payments until reaching 78 %, I waited. We received a letter in XXXX saying PMI would be cancelled automatically, as required by law, at 78 %. When I realized PMI was still being charged after hitting 78 % i called XXXX, only to have a representative try and tell me I had to hit 78 % of the balance of the loan when refinanced, not the value of the loan, a ridiculous lie. 

XXXX minutes of phone arguing eventually had them tell me I must submit a written request to remove PMI XXXX despite this in explicit violation of the law ). I did. XXXX months later, I am still trying to get the PMI payments halted.

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 2017-10-02
Company: EQUIFAX, INC.
State: FL
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:
On XXXX XXXX, I sent a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct errors on my credit report. Several weeks ago, I received notice of the corrections from XXXX and XXXX XXXX. Unfortunately, I have not receive anything from Equifax, despite several attempts at follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a postcard that stated I was included in a class action lawsuit against XXXX  because since XX/XX/2013, I received a Notice of Our Plan to Sell Property letter after my vehicle was repossessed, which had a vehicle sale date that contained the phrase on or after. 

The settlement was APPROVED by the Court and therefore ; XXXX is required to waive my deficiency balance and request that credit reporting agencies DELETE ALL trade lines associated with my account. 

Neither of these has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Statebridge Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Have 2 complain against Statebridge Mortgage company : 1 : my loan is due on the XXXX and past due after the XXXX, I get calls some times 3 times a day including Saturday and Sundays after XXXX of the month telling me my loan is late and must be paid immediately. I have called and wrote to them several times and this practice has not stopped. For your information I pay my payment on the XXXX and never been late on this loan. 2. Their on-line payment does not confirm if you have paid and if you accidently pay more than once, they will not cancel the additional payment even though still has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: IL
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:
CRA is in violation of FCRA, FDCPA and Metro 2 Compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have repeatedly been unable to access my online bank account via both app and web browser.

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 2022-04-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Freedom Mortgage Company wants to charge mye a fee to cancel my Mortgage Insurance after I have met the State and Federal requirements to cancel the Insurance. They are forcing me to pay their insurance cost illegally, while making the process of cancelling impossible and costly. This is not proper business practice. There is no phone line, they will not accept payment from my account or from a debit card over the phone. They will only accept one payment method, which is check via mail, and they are refusing to send the paperwork to cancel this insruance. I am at a loss with calling their customer service who has put me on hold for hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2022 I called Synchrony Bank because I received my statement, which shows the payment I've made on XX/XX/2022 for {$1000.00} showing it all went all to the interest, I was not told this other wise I would have sent a payment to the principal. 
I believe I am being penalized by synchrony bank for making two payment to the principal. 
XX/XX/2022 {$1000.00} to the principal. 
XX/XX/2022 {$1300.00} to the principal. 
Synchrony Bank does not offer an online account services therefore I am not able to see exactly my balance, or how I can save on interest or payoff this loan faster. 

Synchrony Bank is not transparent on how me as a customer can save money on the interest, or how can I pay the loan faster, even though I am paying towards the principal I get charged the same the interest either way. 

I have been discriminated against by this company because of my last name and accent. 
This is my third complaint with this 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 explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: DE
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:
There are many mistakes appear in my report without my understanding.

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 2022-04-29
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  XXXX/ {$210.00} / XX/XX/2022

Company response to consumer: Closed with explanation