BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-28
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I have XXXX accounts with AMEX, I sent a payment to the wrong account and called to have it transferred to the right one. AMEX debited the wrong account and never credited the right one so the cash essentially disappeared ( concerning I had to catch this and not them ). The first time I called to fix the problem the result was they credited the right account but again debited the wrong one. So I was double debited in one of the accounts. I have contacted them multiple times and they still have not resolved this issue. I am also concerned with the integrity of their payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Dear team I had a car from Toyota in XXXX and it got burnt and the police report testifies and says that there is no quasi-criminal and it had insurance from Toyota and from the XXXX XXXX and where compensation has not been paid yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Fay Servicing, LLC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. FAY SERVICING LLC is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( FAY SERVICING LLC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TransferWise Ltd
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used the company " wise '' ( previously transferwise ) to get funds from my partner in the XXXX ... after i had these funds for about 2 days wise shut my account down and ive been trying to get my account reinstated and money returned to me for over 14 days. 

the amount is about XXXX USD / XXXX GBP on XX/XX/2021, XXXX AM i was notified of my funds being paused and account closure. 

their team is SO slow i no longer have the patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I previously sent American Express a letter stating that I had extenuating financial circumstances regarding paying my account back in full and sent a letter back in XXXX stating that I can pay XXXXmth and sent a signed letter to the following fax # ... ... I did not receive any indication from them that they will charge me {$110.00} per month in late charges. It is as if this a retailiatory tactic being utilized to hinder me from lowering the amount due. I explained that my family is experiencing a financial and economic hardship and recently my youngest sister was hospitalized for 34 days in the hospital due to a XXXX and a XXXX XXXX XXXX XXXX. I am requesting assistance on the late fees as I have been paying {$100.00} per month on the account and had previously requested the option to pay over time before the closed the account back in XXXX based on some retailiation with my mother utilizing the account who also raised concerns to CFPB on another Amex account matter as an authorized user. We are experiencing a very difficult time financially as a family and I am requesting assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Experian via certified mail to inform them of SIX unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 2. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 3.  XXXX  ( inquiry date of XX/XX/18 ) 4. XXXX / XXXX ( inquiriy date XX/XX/18 ) 5. XXXX XXXX XXXXXXXX XXXX inquiry date of XX/XX/18 ) 6. XXXX XXXX XXXX XXXX XXXX ( inquiry date of XX/XX/18 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2016-12-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
American Express denied my credit application based on previous cancelled accounts that were cancelled due to a prior bankruptcy in 2000. Bankruptcy is allowed under the Consumer Credit Protection Act and American Express is being discriminatory by denying my application under the Equal Credit Opportunity Act based on my exercise of the Bankruptcy right in 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( CAPITAL ONE XXXX, CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on DISCOVER FINANCIAL SERVI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ( DISCOVER FINANCIAL SERVI XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 somebody charged my debit card in XXXX XXXX XXXX XXXX XXXX  ) first time for {$2500.00} and then for {$580.00} through the Credit Acceptance Corp., and twice by {$9.00} through the XXXX XXXX. Totally for {$3100.00}. We asked the XXXX to stop processing. However, the XXXX  ignored our request and has processed these charges. Some time later we found in the XXXX 's Message Center that this claim is " resolved -claim not paid ''. 
I never used services of the Credit Acceptance Corp. and had no idea about its existence. The information on the internet suggests that it is a company that is financing subprime automobile loans. Evidently, it has to check credentials of any person who is applying for the loan. Therefore, the Credit Acceptance Corp. has information about this person. Hopefully, the XXXX informed the Credit Acceptance Corp. and that company could initiate a criminal investigation. However, nothing was done. I have no idea who got this loan. The Credit Acceptance Corp. didn't inform me about operations where my identity was involved. It looks that the loan was done for another person who got a car under this loan, but paid by my debit card. How it is possible I can not imagine. By the way, supposedly, the XXXX XXXX is also involved in this fraud, but as an intermediary.

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 2020-04-14
Company: DHI Mortgage Company
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the light on COVID-19 my partners job has been considered nonessential and he is temporarily out of work. I am considered essential as I work in a XXXX  and am still going to work. We chose to back out of the contract and DR Horton agreed to let us do so since we are only now working off of one income. When we received the denial letter from DHI Mortgage under my name- XXXX XXXX XXXX it said " Unable to verify employment '' " unable to verify income '' this is not so considering I am still working and the " income insufficient for credit amount requested '' could have been checked. I contacted the Mortgage loan officer, XXXX XXXX, who was working on the loan and he said that it doesn't matter because once they send the letter it can not be taken back. The information was reported incorrectly by a loan officer who was negligent with our loan to begin with. He kept trying to push my partner and I into an FHA loan even though we fully qualified for a conventional loan. We had to tell him multiple times that a FHA loan is not what we wanted. He was negligent with our dates on our new build. The list goes on

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to go to the hospital and CMRE ended up slapping with a debt I do not owe and my MEDICAL INSURANCE already paid.

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 2021-12-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello! I opened a dispute with Experian but they failed to investigate my dispute, even though I sent documents showing there is an error and I have disputed this same issue with Experian 3 times! Pleas help me have an actual person look at my documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've been paying {$340.00} a month for XXXX to Ally Bank XXXX XXXX XXXX Never have missed a payment till covid happened I've taken a huge financial hardship and burden the last 2 years especially with the economy the way it is. I have XXXX kids work full time and own my house. I've consistently called emailed and chatted online with countless people at Ally Bank. Nobody will offer any help they have me upside down in the loan. I've barely paid anything off and I've paid thousands and thousands of dollars. They refuse to do a payment modification for financial hardship. They offer absolutely zero compassion or any options. This is absolutely unacceptable and just wrong.

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 2020-04-14
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being charged for utility services that were given to argon collection agency as a debt for service s from XXXX to XXXX of 2019, I was not living in the residence that had used that services therefore that debt does not belong to me

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 2015-11-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I paid my Macy 's card balance in full and the check cleared the bank on XXXX XXXX, 2015. The company has been billing me {$2.00} per month since for interest charges. The due date for my payment is the XXXX of each month. I do not intend to pay the charges and have called the company and gotten no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached documentation from the US Government Bankruptcy reporting system ( XXXX ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c. The date listed on the court document states initil filing date of XX/XX/2011 case # XXXX I have submitted all supporting doc and disputes, and its clearly over 10 years old, it still hasn't been 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, Hiday and Ricke took over account for XXXX XXXX XXXX XXXX. I was a co-signer on an auto loan back in XXXX. After numerous harassing calls and letters, I explained that I am a single mother of two and i didnt have any involvement in the other party defaulting on the loan. I made arrangements to make monthly payments which I did. However, the company then proceeded to file to have a judgement entered against me for more than XXXX. The company also filed a writ of garnishment against the other party for more than $ XXXXmonth. After not being contacted since XXXX, my employer was served a writ of garnishment last week. I was in no way contacted or notified of this prior to them filing. When I contacted XXXX XXXX, the Garnishment Agent, I was advised that my employer had already been served and that I would need to fill out a financial form for them to consider adjusting the garnishment. The financial affidavit that was attached is extremely invasive. In addition to household expenses, it also asks for bank account information to include savings, checking and routing number. When I submitted the form, no one bothered to respond. Nor was I given an opportunity to file an exemption form or to set up a payment arrangement. The company is using an address I have not resided at in 2 years. When I made attempts to call and email, I did not receive any response. The garnishment is withholding XXXX % of my income per pay period which is over {$300.00}. I am a single mother of two children and I do not receive any additional assistance. This is immensely frustrating and it greatly impacts my ability to provide for my children. I do not understand how anyone could justify withholding % XXXX of someones earnings every pay period in the midst of a pandemic when financial instability is at an all time high. I have sought legal action in this matter. I have the notice to defendant that was filed with the court for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Navient Solutions, LLC.
State: TN
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DPT ED/NAVI account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

( DPT ED/NAVI XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX CARD 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
Consumer complaint received 2021-12-23
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have someone in XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, shes called XXXX banks, she made someone mailed a check to her using a spammed bank so that she will deposit the check in the atm and withdraw the funds out. This woman has been doing this fraud for a couple of times now and I caught her. I need the fbi to go arrest and jail her because she has been stealing from peoples bank for a very long period of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a public record judgement reporting on my credit file and it is not mine. I have requested the removal many times and they have not removed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: OK
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:
I submitted documents to this company requesting removal of fraudulent account in accordance with FCRA sect. 605B. Company did not remove account but instead fraudulently and without my request, knowledge or consent, opened a dispute Which is in violation of FCRA rules in 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
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:
Equifax is reporting information on my credit report from XXXX XXXX that has not been validated. 

I want proof that in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER XXXX. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY. 

XXXX XXXX is required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

Please provide copies of the required notices and proof that they were sent to me : Notice of Default and Right of Redemption/Right of Reinstatement Notice of Intent to Sell Property How they Calculated Your Surplus or Deficiency

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive a letter informing me of the debt, I found out after running my credit.I called and requested a letter in XXXX/XXXX/2016 and i still have n't received one.Started making payments on a payment arrangement still have n't received a receipt after XXXX payments.Company refused to fax or send info regarding payment plan or payments received.I offered to sign consent.I called numerous times were my info was given without right party ID.

Company response to consumer: Closed with explanation