BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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:
XX/XX/XXXX to XX/XX/XXXX was moved to back of my loan until XXXX for all those months. On all 3 credit beareas it marks XXXX - XXXX late. It's ruining my credit history when I'm trying to buy a family home. I have written creditor XXXX times. And disputed it on credit and called. It was due to a XXXX I had they moved my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX and Transunion are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items 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 2018-04-02
Company: Coastal Credit, LLC
State: OH
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 received a loan from Coastal Credit LLC. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from Coastal Credit LLC ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. Coastal Credit LLC is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

XXXX ( PAID ) XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items 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 2021-03-31
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The card issuer for Florida Way2Go Program stole my refund. A refund of {$270.00} was credited to my account within 5 business days according to the refund policy at XXXX XXXX XXXX On XX/XX/2021 I ordered a XXXX  or XXXX XXXX  from XXXX XXXX I later canceled that order on XX/XX/2021 and a refund of {$270.00} was credited to my Florida Way2Go card ending in XXXX. The company dba XXXX sent a message to my card issuer for Florida Way2Go Program that a refund of {$270.00} was credited to my account on XX/XX/2021 but that credit is not posted to my account. I was on the phone with Florida Way2Go debit card explaining to them that I had not received the refund within 5 business days but they were not responding, so I decided to file a consumer complaint against Florida Way2Go debit card d/b/a Conduent Corporation. Conduent Corporation asked my to send a copy of my Florida ID Card via email at XXXX with a case # XXXX. Later, my account was blocked after sending them a copy of my Florida ID Card. The persons that I talked to were very Manipulative, so I decided to file a consumer complaint against the persons who were handling my call. The number on the back of my card is XXXX and it says XXXX XXXX is the card issurer but Conduent Corporation is the persons who answers all calls at XXXX. They ask for your entire social security number and your birth date, mailing address, zip codes, etc. They ask for all your personal information which is illegal over the phone. Your not suppose to ask for a consumer social security number over the phone because that is illegal. 

Also, the company told their brothers to kill or murder me in XXXX, Florida. One time, their brother tried to stab me with a knife and was saying " you are scary bro ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Fleet Financial Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX called from phone number XXXX XXXX XXXX XXXX from iLending got all my personal info including date of birth and social security number then disappeared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: WorldRemit Corp.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I SENT {$200.00} THROUGH XXXX TO A FAMILY MEMBER IN XXXX AND UPON XXXX RECEIVING THE MONEY BY DEBITING MY BANK CARD, WORLDREMIT CORP . LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX. COLORADO XXXX, U.S.A ; CLAIMED THAT THEY OPENED A DOLLAR ACCOUNT IN XXXX WHERE NAIRA IS THEIR LOCAL CURRENCY OF CHOICE FOR MY RECIPIENT. NEITHER MYSELF NOR THE RECIPIENT ASKED XXXX TO OPEN THIS DOLLAR ACCOUNT. THEY WERE TO DISBURSE THE MONEY DIRECTLY TO THE RECIEPIENT IN NAIRA OR DOLLARS AFTER CHARGING THEIR SERVICE FEES. 
NO ONE ASKED THEM TO OPEN ANY BANK ACCOUNTS. 
THIS TRANSACTION WAS DONE ON XXXX XXXX AND WAS TO BE COMPLETED WITHIN 24 HOURS WHICH WOULD HAVE BEEN XXXX XXXX. 
BUT UP TILL TODAY XXXX XXXX, THE RECIPIENT STILL HAS NOT RECEIVED THE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Here is what I just faxed Amex. 

Hello, I will now complain to XXXX because I have every single fax I sent you for at least XXXX months, not only not allowing any recurring payment to XXXX, not authorizing recurring payments to anyone and you Kept on charging me like who cares avout the charges I authorize or not. 
XXXX XXXX For at least XXXX months Ive asked them to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020 I have been trying to get this account removed off of 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 2020-08-31
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two unauthorized debits from money market account in two consecutive months by " Shop Your Way MC ''. 
( 1 ) XX/XX/2020 = {$20.00} # XXXX ( 2 ) XXXX XXXX, 2020 = {$22.00} # XXXX We tried to call " Shop Your Way '' but needed to give them our MC # ( We do not have a MC with them ) or our SSN ( No thanks ) Our bank is handling this problem but we want others to be warned.

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 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXXXXXX is reporting fraudulent accounts on my credit files with the credit bureaus that are causing harm to me. I did not open these fraudulent accounts. I have filed a police report with XXXX Police and filed a FTC report. Fraudulent accounts are as follows : Acct # XXXX and Acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Someone asked me for my cell number to zelle me a payment. I gave them the number I use and they sent the transaction. I received a text message saying a payment had been sent and to go to a link to accept it. 
When I try to register it, it says that XXXX voice numbers can not be registered. Calling the support number for zelle the person said that there is nothing that will be done and the unclaimed funds would eventually be returned to the sender. They couldn't give me the information on the sender and that there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
The account never had any late payments. XXXX XXXX close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than XXXX  days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you XXXX  days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the XXXX, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within XXXX  days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is refusing to delete improper data from my consumer credit report anf file. I have sent XXXX certified letters with proof of improper imformation with the last letter being on XX/XX/2021. The information being furnished is incorrect and is impacting me financially. I never gave Experian permission to furnish any of my private consumer credit transactions and want the following accounts immediately deleted from my consumer credit report and my consumer credit file pursuant to XXXX XXXX XXXX XXXX Permissible purposes of consumer reports. ( a ) IN XXXX XXXX to subsection ( c ) and consumer reporting agency XXXX furnish report under the following circumstances and no other. 
( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I never gave EXPERIAN any written consent to report anything on my consumer report, no consent is Identity Theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer. I am demanding a deletion of these accounts.

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 2018-10-08
Company: BCB Investments LLC
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:
I have been sending letter to XXXX about requiring investigation in XXXX  XXXX XXXX Ag XXXX XXXX XXXX XXXX, IL XXXX for over six months. They keep saying debt was verfied but when I reach out to XXXX XXXX I never hear back from them. The last statement stated that account was updated on XX/XX/XXXX but I attempted to verfie on XX/XX/XXXX, to Both XXXX XXXX an XXXX this could no be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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:
I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, XXXX and Equifax to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I sent you a right to rescind the contract to the vehicle which federal law allows.This document was notarized on the XXXX of XXXX within the 3 days of intent. This letter was received XX/XX/XXXX by XXXX XXXX to no avail. After thirty days I sent you a default with and opportunity to cure the matter which was recieved XX/XX/XXXX given you guys 15 days to resolve the matter and compensate me, also follow my written instructions to resolving this matter. Still, no answer. Now you guys have threatened me with repossession and also to damage my credit using abusive language to me. Persuant to 15 USC 6802 ( B ) The consumer is given the opportunity before the the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; this is my communication for you not to disclose such information to any third parties. 
15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. This agreement was a consumer credit transaction in which I extended myself the credit you guys didn't loan me anything. youve fraudulently attached a security interest into the agreement when in fact Your company Cant certify the agreement under the penalty of perjury, yet you are tryging to reposses my property when the contract itself is fraudulent. You cant enforce on a fraudulent contract. you also sent me a statement in the mail which violated the FDCPA Ive written an affidavit with no response. Ive also sent you a verification of debt. You have not responded to this and its been 30 days for all. At this point I will file suit you will see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
the written and signed agreement is for {$26.00} per month for a promotional agreement between Best Buy and me with a XXXX setup. 
My XXXX bill continues to show {$45.00} ( see on yellow highlight on the copy of latest bill from XXXX ) I filed with the FCC against XXXX. 
When I call XXXX they say call Best Buy. 
When I call Best Buy they say call XXXX. 
I want out of the contract and all my money back.They can have the phone.

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 2018-07-19
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was renting this apartment and was paying on time.then i made a rent payment in the dropbox me and my roommate and somebody else were dropping their payment off.i was notified about 3 days later that they did not recieved my rent payment.i show them the money order reciept.where i made payment.so somebody that worked in the rented offices had to take the rental payment.which was XXXX total.i showed them in the rental office my proof.well they stated that they will extended my rental period to come back up with the money.i stated thats not fair.somebody in your rental department is taken people rental payment.and it happen several time before it happen to me.so i made a stop payment on the money order but it was to late.the money order was forge in XXXX virginia.so i made an police report and everything.but the whole sitution was still brushoff by the rental office.so i tryed to figth it in court.but they lied in court.filed false docment.and then charge me.all kind of late fees.i am disputeing this debt.because i didnt owe this company money.how are you going to make pay.again and my money was stolen out your rental office thats nelegect.on the rental company but punish me for their mistake.then charge me court cost.and attorney fees.this apartment complex should still be investigated.they have been many tentant the same way and now they put this on my credit report.that unacceptable.and its not affair when consumer try to figth these big corporate they use all kind of scams to beat the little man.and credit companys just take these theives words and place these things on people credit and damage they lifes it not fair.i want this remove.or a 100 word statement under this report with the apartment complex name add in it.for consumer to know not to deal with them or consumer that have experiences the same thing that i have.thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: NV
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 was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of 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