BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX Transunion and XXXX received a package from XXXX XXXX consisting of a demand letter, a notarized affidavit, and exhibits attached ( see attached files ). Transunion XXXX XXXX continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. Transunion and XXXX is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2022-01-23
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was promised and verbally agreed if I return the vehicle back that it would not be put in my credit report. It has effected me in obtaining loans for my sons schooling and has been on credit for a long time. It hasn't been taken care properly and it seems like it has to be that I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX, XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from XXXX ( betweenXX/XX/XXXX-XX/XX/XXXX ) and TransUnion ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) and TransUnion ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( XXXX, XXXX, and TransUnion ) stating I had not received the ( 5 ) day  notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that  the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed 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 2016-12-24
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Used BB & T Investment services. Invested {$30000.00} into XXXX indexed brokered CD product starting XX/XX/2010. At maturity BB & T claimed that there was no return whatsoever, despite a colleague checking on the product annually to see how it was doing. Would like bank investigated in regards to this.

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 2021-02-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a Toyota XXXX  from XXXX XXXX dealership on XX/XX/2020. My dealer 's name is XXXX, he is the finance manager there. When I bought the car he lied to me about the process of buying a car from their dealership. He told me that I would have to just sign a few documents at the time of the purchase and that he'll forward the contract to my address by mail within a couple of days and if I have questions about it he told me to contact him. So he never told me about any optional service agreements other than the gap insurance. So I bought the car on XX/XX/2020. The contract documents never arrived at my address so I called him, emailed him so many times, but he never answered or replied. So I went to the dealership and got a copy for my self and that's when I learned about the optional service agreements. So again I called, texted and emailed him to remove the optional agreements that cost additional {$7000.00} on top of the car price. He never answered or replied to me. Every time I went to the dealership they would say he's on vacation or out or something. After visiting the dealership about 20 times other than calling, emailing and texting about a XXXX times. I finally found him at his office on XX/XX/2020. He agreed to remove the optional service agreements and he gave me a signed paper with a cancelation date. Eventhough it has been almost a year, the service agreements were never canceled. I'm paying additional {$7000.00} with interest for 60 months because he refused to cancel. Please I need help or I'll have to find a lawyer and sue the company and him for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed medical collection accounts on my credit and sent these disputes out via USPS certified mail on XXXX/XXXX/15. On XXXX XXXX, I received a letter from Experian stating that they decided the disputes were not sent by me and that they would not be initiating any disputes based on the suspicious correspondence. When I sent my dispute, I included my ID SSN card, proof of address and also marriage certificate. All of my information matched- name on ID was name on marriage certificate, name on SSN card matched maiden name on certificate. Address on ID matched proof of address, etc. I have not disputed anything for a couple of years, and there was absolutely no reason for them to say it was suspicious or that it did not come from me. I am sending a notarized letter including this complaint, proof of mailing the disputes, and the original dispute paperwork, along with other pieces of identification. This is just a blatant refusal to initiate my disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.

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 2015-11-17
Company: Midwest Fidelity Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've had my account locked, I tried resetting my password with all correct credentials no luck, called and waited XXXX to finally get a link to reset my password only for it to tell me my credentials are incorrect despite the rep on the phone verifying all was correct, now on phone waiting over an hour to get a rep again! This is ridiculous people don't have all the time in the world to mess with this XXXX at most I can see waiting 20 minutes but 1 hour is insane! I just want to pay my bill that's due the XXXX! I can't call it in because they only do online billing!

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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is a charge on my XXXX secure card for XXXX although the company recognize I didnt sign up for over the limit they refuse to remove the transaction that I didnt make to begin with I have sent the company documents of that prove this is in fact a fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America called me at XXXX XXXX I do not have an account with them and pleas file the complaint against them also what else should I do? 
In the bottom is the picture of the time call and phone number

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 2018-09-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: AP
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification on my credit report that I had a collections account. I submitted a dispute through XXXX, and XXXX and results came back that the collections agency stated the debt was accurate. Company name is XXXX XXXX XXXX XXXX from my credit report, date opened XX/XX/2017. They are stating amount owed is {$1500.00} past due, Term 1 month. I have disputed this account again, notifying them that I have no knowledge of this account, nor did I receive services from XXXX XXXX XXXX TX XXXX which is the name of the company that is listed on my credit report. I asked them to verify the information and they have not properly verified. I was not notified in writing of this account. Requesting your assistance to have this removed from my credit 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 2020-08-04
Company: Asset Management Outsourcing, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SOMEONE STOLE A CHECK AND DEPOSITED INTO MY ACCOUNT WITHOUT MY PERMSISSION AND IT HAVE CAUSED OVERDRAFT FEES AND ALSO CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID 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 explanation
Consumer complaint received 2019-10-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Sir/Madam, I mailed a TD Bank check for the workmen com insurance at the date of XX/XX/2019 the amount was {$1300.00} and they altered the amount to {$3300.00} and the payee on check has been altered from XXXX XXXX comp to XXXX XXXX. Check was written from my Business account name : XXXX XXXX XXXX. Check # XXXX Customer Number:XXXX. I immediately report to the bank. Bank told me it takes 100 working days. Now almost 8 months they can't give me any answer. and they did not want to give any credit for it. It is totally Bank fault because anybody see the photocopy of the check, overwriting is clear and Workmen com insurance number is on the check they did not white out.In my knowledge some bank worker may be involve with it otherwise how some one can cash this type of check. 
Please help me out as soon as possible. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1. I received an Certificate of Deposit offer in the mail from Citibank where I do my banking. 

2. Since I had an existing interest bearing IRA account with Citibank practically getting negative returns after fees, I decided to participate in this CD offer@ 2.5 % interest. 

3. My personal banker informed me she was unable to handle the transaction so I had to work with the branch bank president because it was offer from the retirement division of Citibank. As a customer of this institution wouldn't the president act as a fiduciary in this transaction? 

4. Late in the afternoon we went through an application about 7 pages first which seemed correct. After which he created an IRA transfer document with the dollar amount. I had to sign both these documents and be hurried out for closing of the bank. 

5. Assuming he took care of all the details I wrote the maturity date on the cover of the folder containing all the documents and filed it at home marked a personal calendar as a reminder when to move the funds 18 months later. 

6. I recently went to move the funds after 18 months only to discover he never established a CD at 2.5 % instead he failed to fill out the paperwork correctly and had it in an interest bearing account at .005 %. 

7. I tried every way to get this bank to remedy the problem and they refused because the incorrectly filled out transfer paper was a signed contract. 

8. Now, do I have a chance in ( Help ) to correct this {$1000.00} dollar lose? This bank Pres. is supposed to act as my fiduciary and protect my interest not pull a bait and switch on a 20+ year customer.

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 2016-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit reporting agency will not remove paid tax lien even though documentation states that it is " paid, satisfied, and cancelled from the record. ''

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 2016-12-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
An account was opened under my name using my personal information by Wells Fargo bank without my consent or my knowledge. 
I called the bank and their explanation was the account was created based on the information received from an employer for which I had stopped working for more than 2 years prior to the opening of the account. 
I found out that the account was opened on XX/XX/2014. Although they claimed that it was closed, I can still see the account on my profile whenever I log in. 
It is important to note that I had serious security issues with the bank mentioned above. I used to receive email almost on a weekly basis informing that my account was compromised ; therefore, my online access was blocked and I, every time had to go and change my password because someone was trying to access my account according to them. 
That situation caused a lot of stress on my relationship for I thought my wife was using my computer to access my account. That belief led to many unnecessary arguments in my relationship. I could n't imagine that someone from the bank was trying access my bank profile to create an additional account. 
I need you to please guide me in what my course of actions should be for this outrageous crime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.

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 2022-01-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is in violation of Section 602 15 USC 1681 ( a ) accuracy and fairness on credit reporting. I demand you remove all the accounts attached in the documents below immediately. Pursuant to 15 USC 1681n section 616 of the Fair Credit Reporting Act any damages can demand remedy fro {$100.00} to {$1000.00} for each violation.

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 2023-02-08
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, under creditor 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I called Transunion to followup on a letter I sent XX/XX/XXXX ... about fraudulent inquiries on my credit report. I did not approve these inquiries to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized. I have reported the theft of my identity to the FTC. Please review the enclosed copies of the identity theft report regarding this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief