BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I received a bill for excess wear and use related to the end of a lease for a XXXX XXXX. The bill was dated XX/XX/2018. Upon review of the inspection report, I discovered significant damage to the rear bumper of the vehicle. There was no damage to the vehicle when it was returned and exchanged for a new XXXX XXXX. The salesperson XXXX XXXX XXXX XXXX took photos of the car when it was returned. Upon receipt of the inspection report and the bill, I contacted both Toyota Financial Services and the dealership. Both promised a review of the file and that they would get the photos from the salesperson to confirm there was no damage to the vehicle when it was returned. I emphasized to both parties -- especially since they insisted that I was at fault for not getting a pre-inspection prior to returning the vehicle -- that I was not told of the opportunity for pre-inspection until *after* I had exchanged the vehicle. Toyota Financial Services promised a call back from the escalations desk in XXXX hours. No call was received. Eventually, I received a revised bill which indicated that they had removed {$100.00} for " excessive stains '' on the seats. The {$460.00} charge for the bumper remained. Eventually, after being unable to contact anyone at XXXX or the dealership to resolve the issue, I paid the requested amount to prevent further collection action. I then spoke with a representative on XX/XX/18 who indicated I had been misadvised as how to handle a dispute and that I needed to write a letter to Customer Service XXXX XXXX. I did as directed and XXXX never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: MO
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 submitting this CFPB Complaint as a follow up to the CFPB Complaint I previously submitted requesting the removal of the fraudulent accounts and information completely from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here id the list of accounts and information that should be removed completely from my Credit File 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. If ever you would claim that the disputed items belong to me, please send me copies of proof of verification as a supporting document. In the absence of such document, immediate removal of the disputed items is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Was not notified of investigation status or results

Complaint:
I am writing this letter because I recently checked my Consumer Report and I noticed that some errors and inaccuracies reporting. I have been impacted in a negative way because of the Equifax Data Breach. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. My privacy has been violated as well. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days. This has been haunting me for a few years but Im just realizing what the issue is thats hurting and its very frustrating and depressing. As a result I cant get reasonable insurance or a place stay because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CRESCO CAPITAL 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: Investigation took more than 30 days

Complaint:
THIS COMPLAINT IS DUE TO XXXX NOT RESPONDING AFTER 8 MONTHS OF RECEIVING MY DISPUTE LETTER REGARDING AN INACCURATE ACCOUNT THAT THEY HAVE BEEN REPORTING ON MY ACCOUNT. I HAVE BEEN PATIENT FOR THE LAST FEW MONTHS, BUT IT HAS BEEN ENTIRELY TOO LONG AND I HAVE NOT RECEIVED AN UPDATE OR ANY DOCUMENTATION VALIDTATING HOW XXXX IS REPORTING THIS ACCOUNT AS SUCH. THEY ARE REPORTING CRESCO CAPITAL XXXX AS A REPOSSESION AS WELL AS A VOLUNTARY REPOSSESION. HOW DOES THIS MEET FCRA REGULATIONS? ALSO, THIS WAS NOT A REPOSESSION THE ACCOUNT WAS PAID SO I AM CONFUSED WHY XXXX HAS INCORRECT INFORMATION WHEN XXXX AND XXXX ARE REPORTING THE ACCOUNT AS CLOSED AND PAID. BEING THAT THIS HAS BEEN ONGOING FOR 8 MONTHS I AM DEMANDING THE DELETION OF THIS ACCOUNT OR FOR IT TO BE UPDATED TO PAID AND CLOSED. I WILL BE SEEKING LEGAK ACTION FOR THE MANY VIOLATIONS OF THE FCRA IF THIS IS NOT UPDATED ACCORDINGLY. I WILL ATTACH THE LETTER THAT WAS SENT 8 MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Chime closed my checking account with {$9300.00} in it for no reason at all. Since they closed my account, I can not talk with them. I have to email their support. I emailed 45 times. Nobody has emailed me back. I called the XXXX XXXX n they transferred me over to the escalation team at Chime. On XX/XX/XXXX that team said the check for everything in my account was already requested n would be sent out. On the XXXX when I called back to verify, the next person did not know what I was talking about. I filed a complaint with the XXXX. They will not email me ever but they contact XXXX  right away with no problem. I have given them my id, XXXX XXXX XXXXXXXX, proof of my XXXX, proof that all my money is legal and im not doing anything illegal and they still do not answer and keeping my money. I want my money back. They can keep their Terrible account I have opened other bank accounts. I just want my money back that was in my account. That was my entire savings n I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A few months ago Quicken Loans contacted me in regards to refinancing my loan to pay off debt and take some equity. I should currently have a 4.1 or maybe its a 4.2 interest rate, so when he told me that the {$20000.00} I wanted to take would increase my rate to 4.75 I said NO THANKS! Thats not a deal. Fortunately, today I looked at my statement and I see an interest rate of 4.75. Im like OMG! What happened! I then recalled the phone conversation of the guy trying to get me to refinance. So I logon to Rocket Mortgage and I see that my old loan was closed ... and it shows a date of XX/XX/XXXX! I never did this!! Im sooo upset!! I have 2 properties with Quicken and I refianaced them at the same time. I just looked at my other property info and it was refinanced XX/XX/XXXX ... .so thats when both properties were done. How can they do this to me and change my interest rate? What if I had not seen the mistake ... then what? What if I was the elderly ... and I didnt notice the mistake. This is sooo wrong! Just prior to sending you this email I sent an email to Quicken, so Im waiting to hear their excuses. Ugh!! Im so XXXX off! Please help! THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account in XXXX of 2018 and was supposed to receive a {$100.00} bonus for being a new Bank of America customer. That did not happen as advertised. I met the required two {$250.00} direct deposits within 90 days and once the 90 days have passed I called to find out when would I be receiving that bonus. I was informed that they do see me applying for the {$100.00} promotion but somehow their system tracked my activity for a different promotion that required an aggregate direct deposit of {$4000.00} within 90 days. The representative seemed puzzled by this and couldnt give me an explanation. After contacting multiple departments and having me stay on the phone for over an hour and a half she simply said there is nothing she can do. Bank of America admitted it was their fault yet failed to correct their mistake and pay me the bonus they use to attract new clients. This is a true example of a bank using deceiving advertising tactics.

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 monetary relief
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am trying to transfer funds ( specifically, {$10000.00} ) from my Wells Fargo account to an account in another bank ( in this case, XXXX XXXX ). I can not do this as Wells Fargo only offers options of ( 1 ) using XXXX to send money or ( 2 ) wire money or ( 3 ) send a paper check by defining the recipient as a payee. 
Option 1 ( XXXX ) does not work as I have my email associated with another account ( XXXX ). 
Option 2 ( wire ) costs {$30.00} Option 3 is inconvenient and outdated. I don't want to get a check as TD does not have branches and I won't be able to deposit is. I also want to keep all transactions digital. 

By designing the system to only transfer money using XXXX, it does 2 things : 1 - limits the amount to {$2500.00} which is not sufficient for many purposes 2- making it practically impossible to transfer money to other individuals ( e.g., family members ) or self at other banks. 

My money is now practically trapped at Wells Fargo, and it must be very convenient for them as they are making interest on my deposit and also limit their fraud risk by basically making it impossible to take money out of account, instead of building an up-to-date fraud prevention system. 

I'd like to see big banks forced to bring back the old ACH transfer system. 

Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to Transunion, XXXX  and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from Transunion on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from XXXX or XXXX about my requests.

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 2021-05-27
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They contacted my parents and stated that I gave them their phone number as a contact number. I have never and would never ever give my XXXX or XXXX 's phone number to a debt collection agency. I have talked to them and I told them I would try and pay the debt as soon as possible. They have called my phone once to twice a day, and now they are contacting family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Personal information incorrect

Complaint:
I am writing this letter to help investigate why the three credit bureaus Transunion, XXXX, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attached an FTC report with a fraudulent collection and fraudulent inquiries

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 2023-01-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief. Or provide proof in writing within 30 days.

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 2021-11-02
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: Account information incorrect

Complaint:
I have attached a letter from XXXX XXXX stating my account is current.

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 2023-06-20
Company: EQUIFAX, INC.
State: GA
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 am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I demand the accounts below be removed because : according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX Credit Card and Auto Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX & Portfolio RC are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our house on XX/XX/XXXX. It is in NJ with large quarterly tax payments associated with owning a home. Our lender ( Caliber Home Loans ) required we setup an escrow account to fund the quarterly tax payments ( ~ $ XXXX XXXX. On XX/XX/XXXX we received a property tax bill notice in the mail saying our XXXX XXXX tax bill had not been paid. On XX/XX/XXXX I contacted Caliber Home Loans. I was told there was a problem setting up my mortgage for tax payment but that would be resolved within the next 20 days. I submitted a copy of my quarterly tax bill to Caliber and everything was confirmed to be moving in the right direction. I was also assured that I would not be responsible for any late fees. On XX/XX/XXXX I called Caliber back to confirm everything was moving in the right direction. I was told that everything was in fact moving in the right direction and the tax bill would be paid soon. On XX/XX/XXXX, I received a late notification from my town in NJ saying my tax bill had still not been paid and notifying me of a {$100.00} late penalty. I called Caliber back on XX/XX/XXXX and they informed me my mortgage was still not ready for tax disbursement. They use a third party firm called XXXX XXXX to liaise with local tax municipalities and this group would not be able to finish their job until later in XXXX. I have asked Caliber for advice on how to deal with my local tax authorities and they are unable to provide specific information just " we are working on it. '' They are also unable to immediately refund my escrow account. So in short I am stuck with a tax bill I cant pay because Caliber is refusing to pay it. Caliber is also unable to refund me my money so I can pay it. This doesnt feel fair and I am not sure what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: CA
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:
I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM 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 2021-11-28
Company: WELLS FARGO & COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
As of XX/XX/XXXX I had a balance of {$4600.00} on my Wells Fargo credit card. The whole of this balance was from a balance-transfer offer and was financed at 0 % apr until XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$270.00} using the card. This purchase was subject to a 16.99 % purchase apr. On XX/XX/XXXX I made a payment of {$320.00} and on XX/XX/XXXX I made another payment of {$1900.00}. These payments were well in excess of the {$48.00} minimum payment for my XXXX statement cycle, yet neither was applied to the purchase balance that was accruing interest, as they should have been under US federal law and CFPB rules. According to Wells Fargo, as of XX/XX/XXXX, I still have a XXXX purchase balance accruing interest at 16.99 % and I have been improperly charged a total of {$6.00} in interest for this purchase.

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 2017-09-18
Company: CITIBANK, N.A.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX, and XXXX all showed my name and report as having an account with Citibank Credit Cards. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all.
I have contacted Citi Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?

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