BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
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:
Toyota has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with Toyota. After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Applied my last payment of {$57.00} paid on X/XX/3017 to someone else 's account resulting in this hitting my credit report dropping my credit score by 29 points. 

I have contacted them and made it clear that this needs to be removed immediately and the 29 points need to be put back. They stated this could take 7 to 10 days And I 'm in the process of purchasing a brand new home with my husband. 

When trying to reach out to the credit agency CBE it States that no one is available. This is inexcusable. Not only did I leave a forwarding address but clearly the bill was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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: Account status incorrect

Complaint:
I wrote to the comp any 3 times ( 2 ti mes by email (   XX/XX/XXXX   &   XX/XX/XXXX ),   they responded that they ca n't discuss via email ) So I sent an actual letter by mail on   XX/XX/XXXX   regarding a derogatory/collections item that I discovered on my credit report.  <P/> This refers to my  XXXX  account #  XXXX , loan date   XX/XX/XXXX ,  23 month term, that I believed, and also had received email confirmation that this was paid off  on  XX/XX/XXXX .   <P/> My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for   XXXX   off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.  <P/> This loan was paid off as  of  XX/XX/XXXX  which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be u ntil  XX/XX/XXXX  . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.  <P/> After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

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 2017-06-09
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: Account status incorrect

Complaint:
I wrote to the company 3 times ( 2 times by email (XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on XX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report. <P/>This refers to my XXXX account # XXXX, loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX. <P/>My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report. <P/>This loan was paid off as ofXX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history. <P/>After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions 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:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2022-04-05
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a re-payment agreement in place with University Accounting Services ( UAS ) /Younomics for a private student loan from XXXX XXXX XXXX 

I was approved for a repayment agreement, however UAS never updated my account despite me contacting via phone and e-mail every 10-14 days for the past 8 months. 

I filled out the paperwork they provided to get a new payment plan agreed to as I lost my full time finance job in XX/XX/XXXX when I was downsized due to Covid ( I was approved for unemployment for this reason ), sent it back to UAS, and was approved for a monthly payment amount of {$160.00}. 

However, my actual account was never updated to the correct monthly payment amount, and based on past experience I was told if the payment made isnt for the correct amount it will not be applied to the lain correctly. I made it clear to UAS all they needed to do was update my account and I would make the payment. Each time I spoke with someone from UAS they told me they were looking into updating my account but never did, and no one from their company got back to me for the next 6 months. UAS documented every time I spoke with them which is saved in the notes of my account in their system. I also have emails and documentation which backs this up. 

Even though my account was never updated to the correct re-payment amount per the agreement, I made a lump sum payment of {$1100.00} on XX/XX/XXXX which should have made my account current. 

After making that payment, I again tried to contact UAS via email and phone to make sure the payment was applied correctly to my account multiple times over the next 2 weeks with no response from or action from them. 

I was then informed on XX/XX/XXXX that my loan was charged off, despite my efforts the past 6-8 months AND making the outstanding payment that was due, and despite my account never being updated to reflect the updated re-payment agreement. 

I made every effort I possibly could to bring my account current so I really need your help at this point to get my loan back to UAS so I can resume payment as previously agreed to, which Im happy and able to do. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by AA to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.

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 2021-05-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I wrote to the company 3 times ( 2 times by email ( XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail onXX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report.
<P/>
This refers to my XXXX  account # XXXX loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX.
<P/>
My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
<P/>
This loan was paid off as of XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
<P/>
After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bill for XXXX XXXX but it was sent to PlusFour inc, as a Collection, I work for XXXX  XXXX XXXX XXXX, we had a XXXX XXXX last XX/XX/2018. Congress passed a law station our credit is protected during a XXXX, they have not deleted it from my XXXX  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 2018-05-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Bayview, Your time is appreciated giving attention to matter. I am not receiving my tax documents - the tax is going to the wrong person and address. I have tried to correct challenge directly with tax accessor office multiple times. The tax roll confirms payments are coming from Bayview however credit is going to wrong person and address. I am not sure how to correct. I need corrections for refinance/modification. When information is corrected would you provide copy of tax document or record from tax accessor office with my name and address. Again your time valuable in assisting with matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: GREAT LAKES
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt that is not verified. They have failed to provide information showing signature and have violated FDCPA LAW. We are filing a Lawsuit as well unless the accounts are removed.
 XXXX  Account Number   XXXX   Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$28000.00}  XXXX  Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$6700.00} Comments   XXXX   Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI   XXXX    Ownership Individual Original Creditor - Company Sold-to - Original Amount {$7800.00} Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My employer transferred/distributed my pay o n    XXXX   XXXX  2017    to  JPMorgan Chase. JPMC d id not deposit the funds into my account. I have called repeatedly to get the matter resolved, and have been hung up on, transferred to departments that can not resolve the issue and generally not helped. I am a single mother ; this is my paycheck. Why is JPMorgan choosing to not assist me? Does n't it matter to them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, years ago, claimed the credit card they issued me had been used ( despite my never having used it nor giving any of the credit-card account data to anybody ). I paid the debt of {$800.00} dollars, but was so busy I put the issue on a back burner. I am currently reviewing my past financial and legal issues, and found out that Providian had been purchased by a bank that had issues with consumers and the federal government ( up to and including litigation ). Is there any way I can recollect that payment? I still have the credit card. -- My full name has always been ' XXXX XXXX XXXX, ', and lived in XXXX XXXX, at the time of that event. My date of birth is : XX/XX/XXXX, and final four Social Security digits are : -XXXX ; my Place of Birth is : XXXX XXXX ; ( XXXX ) XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
With the assistance of   XXXX   XXXX   XXXX    financial c ounselors I received a Federal Family Education Loan Program ( FFELP ) for {$56000.00}. Payments started   XX/XX/XXXX . Ne ver missed a payment, have paid fo r 10 ( almost 11 yrs ) . I am a   XXXX   XXXX   but was told I do not qualify for loan forgiveness because this was not a " direct loan ''. Yet, I owe {$40.00},  XXXX  still on the loan, after paying {$27000.00} in interest and {$16000.00} on the principle. I have paid {$44000.00} on {$56000.00} and still owe {$40000.00} and even though I qualify for loan forgiveness based on payment history and vocation. I am  XXXX   XXXX   XXXX  and will retire in   XX/XX/XXXX   with 31 years  of   XXXX   XXXX  .  This was to my understanding a Federally Funded  Loan Program or is the title  meant to be misleading. No wonder people just give up and default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions 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:
Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  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 explanation