BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX a due date change was conducted with Toyota Financial Services for my monthly car payments for my XXXX XXXX XXXX. It was changed from the XXXX of every month to the XXXX of every month. My monthly payments are {$450.00}. I have never been late on any of these payments and my contract gives me a 15 day grace period where no late fees or interest charges will be held against me. I sometimes pay the full amount on the XXXX or XXXX day, or I 'll split the payment in half and pay half on the XXXX and half on the XXXX or whatever date lands on 15 days. Ever since my due date change I started getting calls from Toyota Financial Services about being late or my payments not being received. Each time I would stay on the phone for an hour ( being bounced around ) explaining what my contract says and how my due date was changed. Each time this information was always confirmed and the call was always ended with an apology. I get these same phone calls at least twice a month. I then checked my credit report and saw that Toyota Financial Services reported a 30 day late marker to my credit report for the month of XXXX and XXXX. This greatly affected my credit score. When I called and asked them about it they admitted that they never updated my due date change in their system, which caused every payment to show up late. They once again apologized and said they would send a letter to all 3 credit bureaus on their behalf. The late marker for XXXX and XXXX was removed, but then I received ANOTHER 30 day late marker on my report for XXXXI called them on XXXX XXXX, XXXX to get this resolved and was once again bounced around on the phone for over a hour, just to hear a manager tell me " I honestly ca n't give you an answer as to why this is happening. '' This whole experience has been dreadful. Credit is everything and a company should n't have the right to keep reporting false negative marks. Especially when they ca n't even give you a reason why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to Equifaxs credit information breech and notification that I have been effected, I placed a freeze on my credit reports. Equifax charged me XXXX to do this, my husbands was free as well as several friends. They seem to sporadically charge people. They should not make money off the damage they have caused us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information that appears on my credit report from XX/XX/2022 : INQUIRY : XXXX XXXX BANK XXXX XXXX XX/XX/2022 INQUIRY : XXXX CARD DATE : XX/XX/2022 According to the Fair Credit Reporting Act, ( XXXX ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please reinvestigate these matters and delete or correct the disputed information within 30 days from today, XX/XX/2022. Thank you for your assistance.

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 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our earlier 2012 complaint ( Case number : XXXX ) needs to be reopened. Bank of America promised that we could lock our variable interest rate in at a fixed interest rate at any time in the future for our HELOC, but then they did n't abide by that promise. In settlement to the previous complaint, Bank of America promised to cancel/forgive the HELOC, but never did so. Bank of America weirdly asserts that it, without error, modified part of the main mortgage by combining it with the HELOC, however, Bank of America never reduced the mortgage by the amount of the HELOC when it purported to forgive that HELOC. 
See also outstanding complaints XXXX and XXXX. 
We are suffering real damages because of the mess this bank has put us in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
An inquiry was made to Equifax by the XXXX ( XXXX XXXX XXXX ) on XXXX XXXX, 2017. I did not authorize this inquiry and have no idea as to why it was made. I am fearful that this could be an attemped ID theft as I have not applied for any new loans or authorized anyone to access my credit record. I would like this hard inquiry removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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: Account status incorrect

Complaint:
It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. 
When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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: Their investigation did not fix an error on your report

Complaint:
On XXXX/XXXX/XXXX The State of South Carolina expunged a tax lien after I complained that I was in communication with the state to investigate the accuracy of the amount owed, this was because I had to dispute the same year ( XXXX ) tax return with the IRS. In summary, the amount was settled and they issue the expungement. They stated to me " All I have to do is send the letter to all three credit bureaus and they will remove the public tax lien off my credit report ''. I disputed the public record with all three bureaus, XXXX ( confirmation XXXX ) and XXXX ( confirmation XXXX ) deleted the tax lien public record with no issues, Equifax did not after three attempts to resolve, to include calling-in and speaking with a representative who stated that it should be removed. The third dispute was completed XXXX/XXXX/XXXX ( confirmation XXXX ) with a result of verified again. I 'm not sure what else to do other than file this complaint. Please assist me with this and I look forward to your response. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capitol One had fraud charges on my quiksilver card. 
I had no idea these charges occurred in XX/XX/2019. 
They were small -- less than XXXX dollars. 
When I did not get the bill, notice, email or text alert, they charged late fees. 
They charged interest. 
They had credit card fees that were over {$100.00}. 
So now they said I owed over {$140.00}. 
Somehow, I became aware in XX/XX/2019, and promptly called them and arranged for payment by phone to bring the account current. 
They were also supposed to open an investigation. 
They did not. 
The operator did not properly make the check by phone. 
So the account got charged off. 
It severely damaged my credit. 
I called them in XX/XX/XXXX. I called them again XX/XX/XXXX. They finally called and said they would fix it. They admitted to the mistake being on their end. They said they would reinstate the account. They said they would send me my rewards money. They did not. They reported to the credit agency that the account was late and charged off. Then they updated to say the account was closed at my request. All of this was not true. I told them to reinstate as long as they did not run hard credit check. The woman said she would get back to me and never did. 
The account was open for 4 years and that history being off my report damages my score. 
They also stole my reward money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in south florida which has been declared a federal disaster area. when i called wells fargo to advise them that as per federal i am entitled to a 3 month deferment on my mortgage payment with my mortgage being extended for an additional 3 months beyond my XXXX maturity date. XXXX id # XXXX at there Iowa center gave me a bunch of bs about having to reach out to the investors on my HARP refinanced loan. i then spoke with her supervisor XXXX XXXX in Iowa who at least was concerned about this. she then transferred me to XXXX XXXX in escalations in Iowa who said the only thing she could do was open a case and she did not even want to do that while i was on the phone. She said i should trust them to get back with me. You might want to note that this is well fargo the company who was illegally charging yearly flood assessments, force purchasing flood insurance supplemental flood policies from companies they owned when they were escrowing and paying current flood policies, they also open 100 's of thousands of unauthorized accounts She had no information other than 24-48 for some one to perhaps call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Citibank lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at Citibank that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with XXXX, I have had a checking account with Citibank over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks 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 2022-06-14
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:
On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with sprint. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, medical services, and a loan under my SSN. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. It also look like these accounts are now in collections. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Profit Services Group
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office Profit Service Group to provide me with competent evidence that I have any legal obligation to pay you if your office fails to respond to this validation request within XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately.as of XX/XX/XXXX I still haven't hear any thing from this company profit service group they closed the account profit service group did not remove nor sent me a copy of such deletion sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA

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 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My wages were garnished during Coivd- I was struggling as it is- I didn't get no notice or court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: VW Credit
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
On XX/XX/XXXX, I called Audi XXXX and spoke with XXXX about extending the lease on my XXXX XXXX Audi by 6 months. XXXX told me that they could extend the lease by 6 months. However, the lease amount would not change. I thought that was great since the lease amount includes incremental services payments ( the Audi Pure Protection and Audi Care ). I was interested in continuing the service agreement for those 6 months. XXXX informed me that I would have to contact Audi services to inquire about extending the service portion of the lease agreement. That same day I called XXXX XXXX and spoke with XXXX. XXXX told me that Audi XXXX  would need to inform Audi Financials regarding an extension so that they can update the contract accordingly. I thought this was great, so I called Audi XXXX on XX/XX/XXXX, and worked with XXXX to extend my lease by 6 months. XXXX told me that I would have to send a copy of the lease extension letter to Audi Services to get the contract extended by 6 months. When I received the lease extension letter, I called Audi Services on XX/XX/XXXX, who transferred me to Audi Financials to get the service portion of my agreement extended to match the lease extension. I was told by XXXX in Audi Financial that I would have to cancel the current service agreement, pay them a buyout, renew the service agreement, and start paying them each month for that service. I was confused and taken aback by this conversation, so I proceeded to gain some clarification. My statement to XXXX was ; " so Audi XXXX will not decrease my lease payments to remove the service portion of those payments, so I am paying for something that I am not receiving ; Audi Financial would like me to pay a buyout, on top of the payments that I am making to Audi XXXX for services not received ; and then pay incremental monthly payments to Audi Services to receive the services that I am already paying for in my lease agreement? XXXX explained that Audi XXXX does not give them any of that money from the extended lease. I told him that this scenario only benefits Audi at the customer 's expense. I understand why they would put this policy in place because they get paid more than twice the amount for the services I previously bought. I told XXXX that Audi is one company and should put policies and processes in place across the entire company that does not permit them to commit consumer fraud. He mentioned that this was their process and offered no apologies, understanding, or recommendations. I informed him that I intended to file a formal complaint in hopes that this could drive change in Audi that does not take advantage of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: VA
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:
In the summer of XXXX, hackers accessed Equifax 's system and compromised the personal credit information of over 100 million users. Equifax, failed to provide adequate cyber security throughout their computer system despite knowing the inherent value of the consumer information they possess. As demonstrated by the severity of this security breach, Equifax was absurdly negligent in properly securing the personal information of millions of consumers, and can no longer be trusted to act in the best interest of the American public. 

I am one of the victims of this breach. Equifax 's offer of one year of credit monitoring is a mere token of whats necessary to protect myslef. Equifaxs data breach is not something I can fix with a new password. For the rest of my life, I will need to watch my credit activity closely. I am XXXX, and I have family members currently in their XXXX. That means I will need to monitor my credit activity for the next 40 to 50 YEARS! 

Ironically, Equifax is happy to charge me for additional protective services, something I would not require if they had done their job adequately in the beginning. 

I demand that Equifax is stripped of their ability to provide credit reports in the future. Their negligence in this matter proves that they are simply unable to protect consumer data. Based on this breach, I do not believe any bank, other financial institution or business can safely rely on the reports that Equifax might produce in the future. Simply, Equifax can no longer be trusted. 

I further demand that Equifax provide a lifetime of credit monitoring for me and any other consumer who is likewise affected by the negligence of Equifax. Life-long credit monitoring - in reality - is the LEAST that Equifax should offer affected consumers. They were negligent, and they do n't appear to care the slightest about the people whose lives ' they have disrupted. They simply care about their financial stability, and how they can minimize the effect this breach will have on their profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX BANK XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXX  XXXX BANK XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX vears. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Please remove : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation