BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i have some identity theft on my credit report in which i am trying to get resolved. the name of the unknown/unauthorized account in which i am contacting you about today is called XXXX OF XXXX CARD account number XXXX total amount is XXXX and another XXXX OF XXXX CARD account number XXXX in the amount of XXXX on that account also i have contacted the actual creditor and have gotten no where with them. I have filed a police report and waiting for the actual certified copy to be mailed to me however i have the copy. i just want all this fraud off of my credit

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 2019-11-21
Company: SYNCHRONY FINANCIAL
State: NM
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 complaint is in regards to account with Discount Tire/Synchrony Bank  which was charged off and sold to a debt collector in XXXX. The debt collector was XXXX XXXX XXXX, XXXX. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further 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 explanation
Consumer complaint received 2019-07-23
Company: ZARVAD III S.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2019 I was approved for a {$500.00} payday loan advance and I hgave them my info but now their server is down and no one will return my calls!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected 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 2019-07-23
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
BMW Financial Services charged me late fees for my monthly payments. I paid all the monthly payments and late fees. The late fees were paid afterwards but still NOT over 30 days late. However, BMW still went on to report it as a late payment to XXXX, even though ALL car payments were on time. 

This is drastically hurting my credit which I work so hard to upkeep. Why would I pay over XXXX per month in car payments, and even extend one extra month, and delay XXXX dollar late fees? 

Makes no sense. 

Any help would be greatly appreciated. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: National Credit Adjusters, LLC
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:
I have a loan with XXXX XXXX and NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2019 PLEASE READ ATTACHED. CONSUMER FRAUD. 
Contract says simple interest and it is 30 % interest!! 
I need a NEW CONTRACT written or a refund of my car payments and refund {$4600.00} on my trade in. 
This is illegal and a big mess and taking advantage of a senior-elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone from a company named XXXX XXXX, keeps calling a relative of mine. The last call was on XXXX, at XXXX, from phone number XXXX showing from Arizona XXXX The person said that me and my spouse had done business with them. My relative has ask them to stop calling, but they keep calling. I called the number, and spoke to someone named XXXX XXXX, who had a middle eastern accent. I told him that in would be filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, XXXX fraudulent ACH transactions occurred on my checking acct. One for {$9900.00} to XXXX XXXX and one for {$8800.00} to XXXX Credit Card. Each time the fraud was done by creating a bill pay recipient and then making an ACH payment out of our checking account. The same thing happened in XXXX for {$9900.00} and {$9800.00} ( these have been returned ). 

USAA failed to notify us that a new bill pay was created and also failed to notify me that my password had been changed on XX/XX/2022. I use the USAA app and was able to log in with a pin ( USAA site says this is more secure ) .However, I logged in for over a month without knowing my password had been changed. This is a flaw in USAA cybersecurity. This was done because evidently my husband is the primary account holder and we use is his login and USAA number. The fraud was done on my USAA member number/account that I had when I was on XXXX XXXX and do not use. 

USAA says that notifications were sent about password change and new bill creations, but no notifications are in their system inbox on our account and no email was received. We only found out last week that my password had been changed on XX/XX/2022. 

This same scenario took place in XXXX and we were never told that my account had been taken over. Instead, USAA only did a check on my husbands account. They offered no guidance in changing our passwords or further securing our account. During this time, USAA had filed the fraud as a debit card dispute which further delayed us getting our money returned.

USAA is taking too long to return stolen funds. We notified USAA immediately on XX/XX/2022. We have talked to numerous fraud dept reps and to XXXX in the CEO office. We were told it is supposed to be handled in three days but that the fraud department is backed up and has been taking longer. It has been over three weeks and USAA has failed to return our funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( 1 ) XXXX XXXX XXXX XXXX, XXXX TX.XXXX ( 2 ) XXXX XXXX XXXX XXXX , AK XXXX. 
( 3 ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened Bank of America account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with Bank of America.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and bank of america with ref # XXXX. I contacted XXXX and Bank of America disputing their report which is hurting me seriously, also filed a police report with case # 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 2019-07-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicer : NewRez ; XXXX. XXXX XXXX ; XXXX, OH XXXX Our mortgage loan was paid in full on or about XX/XX/2019. At the time of the payoff, there was a {$6000.00} surplus in the escrow account. We received the lien release/loan satisfaction papers. 

As of today 's date ( and after numerous calls to get the funds disbursed ), we have NOT received the funds that were in the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 was alerted that my credit score had a delinquent account. On XX/XX/XXXX, XXXX XXXX reported my credit as being delinquent with a last payment of XX/XX/XXXX. This information is incorrect. I made a payment of XXXX on XX/XX/XXXX and another payment of XXXX on or around XX/XX/XXXX and it was debited from my account on XX/XX/XXXX. In my XXXX account portal my next payment is not due until XX/XX/XXXX but the company has reported me late inaccurately. This is the second time I have had this problem with XXXX XXXX incorrectly reporting my credit information and refusing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Innovative Funding Services, L.L.C.
State: NC
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 pulled my XXXX credit report and found Innovative Funding Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Santander Consumer USA Holdings Inc.
State: NC
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 pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MBB has not sent me any proof or validation for the debt they are claiming I owe. Several items on my credit reports are duplicates. I have not received anything in mail from them, ever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/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 2017-06-28
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company XXXX XXXX XXXX. ( XXXX ) has been incorrectly posting my payments. They have no ideal on how principal, and interest payments work on auto loans. Also, they have no ideal how the daily per deim works on auto loans. XXXX XXXX XXXX. are missing applying my payments, and are consistently reporting incorrect payoff amounts for my vehicle. Every time I make payment ... XXXX  XXXX XXXX. calculates obscured amounts on how the payment is applied on the loan. Even with the late charges, etc. Please, assist ASAP. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OR
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, has. violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 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 2022-05-04
Company: EQUIFAX, INC.
State: OR
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, has. violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 2019-07-23
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance has continued to report my account late to the credit bureaus for the last year. Yet I have made my payments on time and have been up to date. They keep saying it is not them but it is the way they are reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/2016 I went in to XXXX XXXX XXXX in XXXX, Indiana. I went to look at lease end options, and was considering switching to a used XXXX XXXX. I was given an option to upgrade my lease, and get a XXXX   XXXX with features I wanted for XXXX/m. I was told GM had a special they where running, and they would pay the last five payments. I was also told that the milage I was over would possibly be forgiven, and I would need to call and speak to GM Financial. I asked how soon I would be able to speak to them, and the sales agent said he would provide me the number. Then it turned into I would need to wait until I got the bill in the mail. I took the car home for the weekend while they figured out the financing. I then went back and signed everything thinking everything was fine, and had to go back again to the dealer a second time because they didn't do the deal right. A year later I received a bill for the lease I traded for the new lease. I reached out to the sales person and was told they sent payment. I reached to gm financial and they said they did not. I have been working with the dealer to try to correct, but have been unsuccessful and been given the run around. I also filed an official complaint with GM Financial, and was not even called back about the situation. Spoke to sales manager in XX/XX/XXXX no luck, and spoke to General Manger last month and no call back. Some where someone dropped the ball, and they are not wanting to take honorship. I feel there is something that needs to be addressed, and even requested a copy of the deal but was told it was too long ago to possibly find. This is reported to my credit report and has been affecting it for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: NC
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 ; XXXX Account # XXXX ; XXXX XXXX  Account # 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

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 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX  balance XXXX account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.

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 2022-05-04
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: Personal information incorrect

Complaint:
Ive sent in multiple of letters to Experian, XXXX XXXX XXXX to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for 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 non-monetary relief