BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
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 leased a  XX/XX/XXXX  Toyota  XXXX  since   XX/XX/XXXX . My  monthly payment is  XXXX . I requested a deferral  of two o f my lease payments for the months of   XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I  pai d two d eferral fee 's of  XXXX  each. I was told that the payments for the month of  XXXX  and  XXXX  would be added to the end of my lease. My credit reports show for the month of   XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and Toyota reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further.  This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way Toyota has reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I originally made an appointment for a manicure pedicure with XXXX XXXX XXXX XXXX  in XXXX on XX/XX/XXXX at XXXX. 
XXXX hours before the appointment I sent an email canceling my appointment on XX/XX/XXXX at XXXX XXXX. Their policy states that if you cancel with a less than XXXX hrs notice, they only charge half of the total cost. The total was {$130.00} so they should have charged {$67.00}. 

On XX/XX/XXXX around XXXX I see a charge on my card for {$130.00}. I called the nail salon to see if they could rectify their mistake and they were very XXXX and said that my email went to spam folder so they didnt see it and they refuse to refund me the {$67.00} they unauthorizedly charged. They charged my card in XXXX which breaks their policy. When I put my card number I did it based on this policy so this nail salon is committing fraud. 

I contacted my bank CHIME Multiple times through phone calls and mail and after sending proof like my email canceling the appointment and a screenshot of the nail salon cancellation policy they denied my claim XXXX. I asked for documents stating why they denied my claim and all they sent me is an email with some illegible handwriting. I called chime again and the team member couldnt even read the explanation. Just said that it was denied and he had no more proof. 

The first email I sent to chime with proof for dispute process was on XX/XX/XXXX after finding out my claim was denied. 
The second email with the same proof was sent on XX/XX/XXXX I think it is unfair for the nail salon to break their own policy and charge my card for an unauthorized amount. It is also very upsetting that Chime hasnt been able to solve my problem after evidence from my side was provided, and they havent been able to provide me with any substantial evidence of why it was denied. 

Attached is the cancellation email I sent and a screenshot of the salon policy. 

Im also sending screenshot of my claim being denied twice and the investigation result sent by Chime. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ BANKRUPTCY/ INACCURATE INFORMATION AND INQUIRIES from my credit report immediately

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 2017-11-16
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX 2011 Wells Fargo foreclosed on my home the address was XXXX XXXX XXXX, XXXX, AL. I had applied for a mortgage modification and was told to not pay my mortgage for the next three months. I called month after month for 11 months I was told during that time to continue not paying my mortgage. After 11 months they declined my application because they said I failed to sign a certain page. I asked to be able to sign the page. They refuse to allow me to. And foreclosed on my home. I would have thought it but just the month before my son had passed away and I was not of a mind to do so. I lost all the investments I had made in that home

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 2022-02-18
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OUR COMPLAINT I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/21 I faxed the bank a 9 pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/21 I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all 9 pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Again the bank reopened this and asked me to send them documents which I submitted 8 documents on XX/XX/2021 and confirmed receipt which I have attached and again they are telling me I did not send them documents. I have sent email convos with me and the hotel confirming the correct amount to be charged, statements showing the incorrect charge and the bank is disregarding them. Today they have reversed XXXX advising that they did not receive documents.

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 2020-09-16
Company: Bread Financial 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: Account status incorrect

Complaint:
On XX/XX/2020, I received the report from XXXX after the investigation in my credit report by Comenity Capital XXXX XXXX during the pandemic, XX/XX/2020, under the care act, that resulted in my favor, however they did not removed that from my credit report. 
I already have an ongoing dispute and investigation with this company though the consumers financial protection # XXXX for the numerous attempts of chartering me late fees and reporting late payments having no problem to get the monthly payment though my bank account that is set up, working and active with them witch have being used with no problem several times. 
I have continuous and several communications with them though phone and secured messaging, witch I documented everything sine they chose to deceit by stating that I didn't do certain thing conduct them self in an absolute unprofessional manner leaving me as a consumer with a sense of possibly not defend and assert my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A Collection company by the name of XXXX XXXX continue to re-age an un validated bill on my credit report. When I talked with them, I was told that they had the right to do so. This bill is with XXXX and the date of delinquency is XXXX XXXX, XXXX. They are making it like I just opened the account, thus damaging my credit score every month. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently found this company, CAPIO, on my credit report, claiming debt collection. I had absolutely no idea what it was about. I have received nothing from this company whatsoever. I called them and they claimed to be trying to collect some mystery medical debt from 2019. When I told them that I hadn't received any documentation about this alleged debt and that I knew my rights and that I needed to receive something written from them so that I could dispute it, they told me it was MY responsibility to write to THEM asking about it and that it would probably " take some time to hear anything back '' because of the " thousands of requests '' they're fielding daily. They are engaging in ILLEGAL practices and in the meantime they refuse to take this alleged debt off of my credit report while I am waiting for documentation from them. This is absolutely insane and goes against the law. I will not be intimidated by a company that is willing to break laws in order to try and scam people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD Bank .. a fraudulent check was used to open a checking account in my name. The amount of the check was {$2300.00}. It is a fraudulent check used to open a fraudulent checking account in my name A fraudulent checking account has been opened in my name using a fraudulent check. 
The bank involved was notified I was on hold for four hours trying to rectify the situation. This began on XX/XX/2022 I was directed to a fraud department where this account was supposed to be canceled I have received as of XX/XX/XXXX another letter stating that this account is still active. 
I notified XXXX, XXXX, and XXXX and put a freeze on any new accounts. 

I want this checking account closed as I did not open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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 status incorrect

Complaint:
Ive treid multiple times to have an account that is over 10 years old removed from my Experian account and they still refuse to do so. There is no legal basis or requirement to continue showing this account. It should be removed.

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 2017-11-16
Company: EQUIFAX, 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:
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 Chase closed my XXXX XXXX Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for XXXX reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. 

I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a dispute supervisor who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer XXXX XXXX XXXX ( XXXX ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card XXXX XXXX XXXX ( XXXX ) held at the federal reserve XXXX XXXX XXXX ( XXXX ) ( XXXX ), I then informed Chase that they had created an unauthorized transaction XXXX XXXX XXXX ( XXXX ) as closure of my account without my consent was a violation as I receive no benefit from such action. 

As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. 

Chase had committed an unauthorized use of my account XXXX XXXX XXXX ( XXXX ) and has defrauded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: IL
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:
My bankruptcy per the bankruptcy court judge was to only remain on my credit report for a five-year period as agreed and entered into the judgment. This was due to the need of my bankruptcy being necessary due to the 2008 mortgage crisis. I have submitted eight disputes with Experian to have this removed per the court order. All other agencies like XXXX, XXXX XXXX and XXXX Have removed and agreed with the judgment. I have filed multiple disputes with Experian which then returns a generic/ typical algorithm answer of verified by third-party. They state information has been verified by third-party and identify XXXX XXXX XXXX the XXXX party. Sadly, XXXX has investigated and removed form my file but Experian wont acknowledge or accept for some unknown reason. XXXX has communicated this to Experian but the protocols they have in place simply dont work. I have sent them a copy of the letter. Horrible customer service and Im seeking your help in getting this removed from 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 2022-10-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX DATA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: JPMORGAN CHASE & CO.
State: IL
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:
Today I called in to request a credit line increase on my chase visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XXXX and XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. 

When I got home, I got an alert that a second credit report was pulled by Chase. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.

Company response to consumer: Closed with explanation