BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXXl XXXX nb is showing a balance of XXXX when it was sent to collections in XXXX   should be XXXX bal this being reported by equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX XXXX, Account # XXXX has incorrect information, in this report of XXXX XXXX states my last payment was made XX/XX/2018, However the payment history chart shows my last payment was XX/XX/2018. Under ( U.S.C Sec 1681i ) it states that if you cant provide proof the account must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
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: Investigation took more than 30 days

Complaint:
I sent documents to XXXX, Transunion, XXXX via certified mail last month XX/XX/2022 i have yet hear any response back, it was about incorrect reporting info about all the hard inquiries I have on my credit file which I did not do, someone stole my identity a while back and there still out there applying for things in my name, I've have had a fraud alert in place on my file that anyone trying to get credit to call me and verify. I did not receive any calls back or anything for any of those I did not verify any of those. the only think I have has a hard inquiries should ne XXXX XXXX XXXX XXXX my bank that's all I've applied for I want all this inquiries removed that were fraudulent done there's multiple ones on there of the same thing over and over I also sent over letter that XXXX accounts to be removed immediately for wrong inaccurate reporting i will attach letters sent along with FCRA violations committed these accounts have been paid in full and the lender agreed to remover them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: M&T BANK CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX, I made two payments that equaled the amount of my car note. On XXXX, the bank illegally withdrew another payment. I NEVER authorized in writing for this bank to automatically withdraw monies from my account. When I got in touch with the bank, they said it could take 10-14 days to replace the monies. I told them " unacceptable '' because they overdrew my account, couldn't pay my car insurance and other bills. I need them to make me whole and pay my car note for XX/XX/2022 ... a show of good faith.

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 2020-06-04
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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : 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 XXXXXXXX**** XXXX XXXX  XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX   XXXX XXXX**** XXXX XXXX XXXX**** If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2021-04-08
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Account is in Active Forbearance due to COVID-19. I am scheduled to come out of forbearance in XX/XX/2021 but Flagstar is continue to report that I owe property taxes. I am a 100 % XXXX Veteran and do not have to pay property taxes. I want to make sure that when I go back to making payments, that they adjust how much I really owe because if not, then it is going to cause a lot of problems.

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$190.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I opened a checking account with Bank of America. I provided all the documents required including my home address. After leaving the Bank I looked at the receipt and noticed that my Personal Bank account as well as my Debit Card were assigned to the address XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, NY XXXX. I HAVE NEVER LIVED AT THIS ADDRESS and I dont have a document with this address. I had also filled out a credit card application and was told Bank of America has a right to share my personal information with their affiliates. I am very concerned with my name being associated with an UNKNOWN ADDRESS. The Representative who opened my account was named XXXX XXXX. The number associated with him is 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 monetary relief
Consumer complaint received 2020-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We paid 20 % down on our home purchase but still ended up upside down on our mortgage in XXXX   We missed two payments ( the only deliquencies we ever had ). Bank of America then moved us into the HAMP program. The told us NOT to make any more regular payments including telling us NOT to pay the two deliquent months. The did not reduce the principle but did reduce the interest rate significantly. We were given a new monthly payment amount, to be mailed by check to a special address during the three month 'trial period '. After three ontime payments, the modification became permanent. However, during that trial period they reported us as 90 days deliquent for those two months prior to the trial period, even though they told us not to pay those months, as it had already been factored into the new program. They are refusing to strike these 3 90 day deliquencies off our credit record even though we believe it should be recorded as paid as agreed. Attached are the two credit reports showing that incorrect reporting. It does not seem right that people participating in the HAMP program should be penalized for participating in the program.

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 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my 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 2021-02-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. Please help me Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The added late payments to my account and I submitted all the papers needed. They told me to dispute it online and I did. I just want the late payments taking off my account. Ive never had any before. And its effecting me buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a PayPal account. I am on vacation and have a business back home. I had some unexpected expenses arise and had my employee send the daily deposits to me instead of putting them in the safe. Did not want anyone having my company banking information. So I go to transfer the money to my personal account and get a message that my transaction can not be processed at this time. This was over a week ago. I called the customer service line and was told that they had put a hold on the account for suspicious activity because I hardly ever use this account and that the funds would be released in 72 hours. 72 hours later try to transfer said funds again and get the same message. Call back to the customer service center get told the same thing when asked to speak to a supervisor was told that they couldnt help me either. I am stuck down in XXXX I am from XXXX and I have a busted cv axle in my car that I need repaired. I have to pay extra funds to stay at the hotel because I cant drive my car and now am going to be forced to sleep in my broke down car because they wont release my funds that were deposited in cash for me to get my car fixed. They did not have any sympathy or any explanation all I want is my money so that I can go home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I, XXXX XXXX, sent a letter to Toyota Financial Services in regards to an account opened through a consumer transaction on XX/XX/XXXX for a XXXX XXXX XXXX. In my affidavit letter I let Toyota Financial Services know that I was aware of the multiple Truth In Lending violations that were done against my principle, XXXX XXXX XXXX and this affidavit was not rebutted. I requested that Toyota Financial Services cease and desist all communications through all mediums with ANY third party, send a complete audit trail ( transactions summary, ledger, accounting, and file ) so that I can assess the validity of this alleged debt, grant my title lien free, do not attempt to collect, do not furnish any negative activity to reporting agencies, do not seize or attempt to seize any property in my possession, return by check all payments including downpayment, finance charge, amount financed, and violation fees, return original signed agreement, and XXXX out the balance on this account. None of these request were honored. On XX/XX/XXXX, the XXXX XXXX XXXX was repossessed by XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent by Toyota Financial Services. On XX/XX/XXXX Toyota Motor Credit reported negatively on my account. In response to my correspondence, Toyota Financial Services admitted to not being a debt collector as defined under the Fair Debt Collection Practices Act. This is in violation to the Fair Debt Collection Practices Act which states that " the term debt collector does not include an officer or employee of a creditor or someone who is affiliated with the creditor by common ownership or corporate control. '' Toyota Financial Services is collecting a debt from my principle, XXXX XXXX XXXX. Toyota Financial Services also declined my request to release the lien or issue a free and clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Late fee

Complaint:
I moved address back in XXXX and did not receive the statements. As a result, I was late on payment for a few days. I contacted Citi and they told me to make a payment of the statement balance less the late fee charge and they will reverse the fee in 3 business days. I made a payment as told but I did n't get the fee reversed. I contacted again and they mentioned they would look into this and get back to me. However, they never got back to me and I did n't get the next month 's statement and I was charged late fee again! I am very frustrated about the customer service. They made false promises and could not even deliver their statements. They did not hesitate to charge fees even it is their own mistake.

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 2020-03-01
Company: EQUIFAX, INC.
State: NY
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:
Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is ruining my credit for no apparent reason. My credit keeps going down every week, 19 points, with no change in report, will also go down for changes that should increase my score, duplicate changes caused erroneous changes to hurt my score more than once, every time I call I get hung up on, or given a phone number bc they aren't allowed to say why this keeps happening, and the number they give me is for a repayment debt agency call center that randomly puts you through to random debt agencies. I have no bad debt. My credit should be increasing steadily like is with the other 2 credit companies our horrible government allows to rule our lives

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Reliable Auto Finance, Inc.
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:
In accordance with the fair credit reporting at everything has to be 100 % accurate on my credit report You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

the credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active and date of last payment is inaccurate date last reported is not accurate this is ground for removal they also violated my right under 15 USC 1681 section 602 a state I have the right to privacy 50 US C 6081 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my instructions

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was stunned when I discovered a collection account on my credit from AWA collection. I don't know what the account is for and I never received notification from them about the debt. I have sent them several certified letters from my local post office and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: NY
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:
Hello, On multiple occasions with the most recent being on XX/XX/XXXX, I disputed the late payment history of XXXX XXXX XXXX with Equifax. The late payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not receive notice that the Investigation was complete and those specific dates were not removed. XXXX has reported the late payment history differently to all three credit reporting Bureaus XXXX, Equifax, and XXXX due to these inaccuracies XXXX removed the XXXX account completely from my credit report. I have provided proof to XXXX that the account was not late on the above listed dates. There has still not been any removal of the late payments to date. Also when I pull up my credit report on different websites such as XXXX XXXX and through XXXX credit bureau that shows all three credit reports for Equifax, XXXX and XXXX, those accounts do not show any late payment history but when I call Equifax it shows a late payment history status. I would like for XXXX to send proof that the payments were late and if they are unable to show the physical proof of the payments history then the items should be deleted from my credit report. I do know what XXXX to give a verbal reason stating that everything is being reported correctly, there needs to be physical evidence to show since I have shown payment history stating otherwise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: NY
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:
Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my 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 2017-06-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On  XXXX   XXXX   2017 , I noticed that  an Amazon Chase Visa ha d been added to my husband 's and mine  account. I found this out as I was checking the balance of a credit card we have had for years with Chase (   XXXX   Visa ) - a nd all of a sudden, there were  XXXX  accounts instead of just  XXXX . We had never applied for this card and called  XXXX  immediatel y. Someone had fraudulently opened the Amazon Chase Visa card in our name on the exact same  da y (   XXXX   XXXX    ). Chase cancelled the card.
<P/>
Chase was helpful in cancelling the card, but when asked if they would contact the credit bureaus, we were told that was our problem. They opened a card without any information other than an old address ( from more than three years ago ) and an obviously fake email address, but we now have to fix the problem?    <P/> In addition, based on internet research, this appears to potentially be a  n inside job either by Amazon or Chase.
<P/>  I have put fraud alerts on both my husband 's and my credit reports with all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX Account has been charged off longer than 7 years and 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