BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: U.S. BANCORP
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan for a travel trailer with US Bank. I paid the loan off early. I have requested a release of lien so I can register my trailer. I have called US Bank at least six times to request the document. The first time I called I was advised I would have to wait twenty six working days to get the document. It has been over 90 working days and over five phones calls and I still have not received it. US Bank is refusing to send me the the release of lien. This has been going on over 3 months which is totally unacceptable. XXXX  has my title but will not let me register the vehicle without the release of lien. XXXX stated that banks normally fax the release of lien to them, I called the bank from the XXXX  office twice and they refused to fax 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
Consumer complaint received 2018-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed the debit with XXXX XXXX and XXXX they took almost 3 months to give me any answers. This debit was bought by Portfolio Recovery a debit agency after 4 years. 
The creditor was XXXX XXXX XXXX XXXX merchant XXXX amount {$470.00}. I found out that I was in a public data breach with XXXX where my personal information was compromised and may have been used in identity thief. Portfolio recovery stated that this debit is validated with this XXXX company. My debit to them was satisfied years ago.When I found this on my credit report I disputed it immediately, then I found out I was in a data breach. I am protesting this and want it removed by the Collection agency. When I looked into this debit it was bought by 3 different collection agencies. This agency sent me a letter asking me if I wanted to settle my debit for {$160.00} now tell me this is not another scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED and XXXX 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 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Kind of a deja vu. 4 or 5 years ago I closed my capitol one card because I felt they were playing games with mailed in payments to collect late fees. Last year a friend recommend I use them again and they are doing it again. You can mail in a payment 10 days before payment is due they wont post for 2 weeks. They know you are busy and don't always check your statement. Last XX/XX/XXXX I paid XXXX which I believe was my whole balance but for sure way more than minimum due. It takes them 2 weeks to post the payment which was on Wednesday XXXX. Apparently they had a due date of Friday the XXXX. So counting weekend in their book 3 days late. With this they charged me {$25.00} dollar late fee. I just saw the fee today XX/XX/XXXX. The pony express ended 150 years ago but they seem to use it for their mail payment collection. It is wrong to not consider mail date when charging late fees especially in winter and nationwide weather problems. I only found out about this when I never got my XXXX statement and they used the winter weather excuse. I asked and was refused a waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED and XXXX 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, XXXX  XXXX XXXX : {$200.00}, XXXX  XXXX Balance : {$31.00}, XXXX  XXXX Balance : {$540.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-09
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:
15 us 1681a2 stating you didn't give written permission to have those accounts furnished on your 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 explanation
Consumer complaint received 2019-11-08
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2019, there was an error in the XXXX XXXX computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
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:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this 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 explanation
Consumer complaint received 2018-10-03
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( Bureau of Med Econcs ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} and {$1500.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2019, there was an error in the conduent loan computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another 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 2022-12-15
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XX/XX/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  If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: ALLY FINANCIAL INC.
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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-02-21
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I financed my vehicle with Toyota financial in XX/XX/XXXX and was to make my first payment XX/XX/XXXX. I made this payment then my due date changed to the XX/XX/XXXX. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XX/XX/XXXX which was not due yet. I called Toyota and they told me they did not report false information and I need to handle it with XXXX myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX toyota again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 an 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 2019-05-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Claim against XXXX XXXX ( the world 's 36th-largest financial services company ), and its partner XXXX XXXX who have been sued and settled for insurance underwriting of homes and residential subprime mortgages loans. I secured my high interest loan from in XXXX. I have not been able to pay off my home that I have lived in since XXXX. I build the home on property my Dad ( a military XXXX XXXX XXXX  veteran ) bought in XXXX. I had a lost my saving and retirement due to caring for a very sick loved one from XXXX to XXXX. During that time I refinance my home and lost my job in XXXX. I have applied for various loam modification to reduced the high interest and help finish paying off mortgage. The company who services the loan for XXXX and is Ocwen. The give me wrong phone numbers an miss information. I have tried to work with them but I am not sure is they even read my complaint or work with my loan modification request. I am paying over 9.80 % on the loan. I was at {$25000.00} owing when I lost my job again in XX/XX/XXXX. I am trying to reestablish but they do not negotiate, and provide me with a list of HUD contacts that do not exist. I have complain before and they send me the same coined response without answering any of my question. I very behind on payments and do not want to lose house. I want a forebearance and they do not work with me. I want a lower interest and they do not work with me. I am filling this in hope of getting a resolutions and not a the same generic letter they send everyone. I also am very concern with your approach you do not look into violations but take what every the bank provides, I have not received help from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: JPMORGAN CHASE & CO.
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
I followed a link from a XXXX ad for a series of books. The link " Read the Series for Free with your XXXX Unlimited Subscription. I was charged {$23.00} for the series, even though the ad claimed it would be free. I attempted to dispute the charge with Amazon and had no response. I disputed the charge with Chase, the credit card company for Amazon, but they insist the charge is valid. 
This was a fraudulent " bait and switch '' advertisement. I do not want the series, and would never have agreed to pay for it. I want a refund, and Amazon to stop with the bait and switch adverstising. 
Original date of charge XXXX XXXX, XXXX. XXXX # XXXX. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by 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 2021-09-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX decided to move their credit card for XXXX/VISA to Barclays/Mastercard. I got a letter that looked like junk mail but opened it to find how to opt out prior to XX/XX/XXXX which I did. I was aware that my XXXX credit card would be closed as of XX/XX/XXXX. My XXXX account was moved to Barclays on XX/XX/XXXX even though I opted out. I didn't want a Mastercard and did not want to do business with Barclays. Barclays opened an account in my name without my authorization in fact I withdrew my consent for the conversion by following the procedure and opting out. I called XXXX and was told nobody could do anything until Monday, XX/XX/XXXX. I called Barclays and stayed on hold for more than 20 minutes and gave up because the reviews/posts on Barclays Bank US indicate that they do not answer. I feel like Barclays is opening accounts without people 's permission to make it look like they have more customers than they actually do similar to what XXXX was accused of and paid significant fines. I shredded the Barclays credit cards when I received them because I was told just don't activate them if I get them. XXXX and Barclays have violated my privacy.

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