BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education

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 2019-11-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit  reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2022-01-24
Company: Kashable LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my loan with XXXX Kashable in XXXX of 2021, however due to issues with our systems at my agency being hacked, and my govt ID needing to be reset, I was unable to stop my financial allotment. I mentioned this to XXXX Kashable and they were able to refund my allotment payments. On XXXX, I was able to gain access to the system and stop the allotment. I contacted XXXX Kashable and provided them this documentation, however despite this, they are holding my funds arbitrarily, and state they will not issue my refund ( s ) despite me fully paying off my loan and providing documentation that the allotment was stopped, and why there were issues with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Choice Recovery, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date is XX/XX/2011 for an XXXX, contacted XXXX XXXX was referred back to Choice Recovery sent letter the bill was payed under the free clinic was told they could not accept that cause it did not say XXXX .I asked how I could speak to someone at XXXX XXXX they say they ca n't release there client information. Have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX which refers you to the choice recovery then the number for choice recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
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:
There is incorrect information on 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
This is XXXX XXXX and I am submitting this complaint today to inform the Credit Reporting Agencies that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}

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 2017-07-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As someone who lives paycheck to paycheck there are always more bills at the end of the money however in a 6 week period TD BANK has charged me over {$800.00} in overdraft fees virtually ruining my ability to pay my bills as {$800.00} is more than 1/2 of a paycheck. They refuse to forgive any of it. I have overdraft protection but bills that would have cleared with no problem did NOT and I was assessed more fees. On XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$170.00} XXXX XXXX {$35.00} This is BEYOND abusive and research has indicated that TD Bank has already had complaints and judgments against them for this type of abuse. As a result of this I have had to use credit cards to buy something as small as a pretzel because I have no cash and am petrified to use my atm card. PLEASE PLEASE HELP ME!!!! I want these fees refunded and then I plan on changing banks. I have already tried to switch banks but TD does not seem to want to release my money. I will be happy to supply you with my account number so that you can investigate this thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have 3-year auto loan through Mazda Financial services XXXX We had the account set up for recurring payment which processed successfully on XX/XX/21, XX/XX/21, and XX/XX/21. 

In XXXX, my wife and I attempted to change the recurring payment account to our joint checking account. Mazda Financial Services allowed us to make the change, and we received an email on XX/XX/21 that our recurring payment was about to proceed. 

Our complain is in regard to what happened next. Mazda Financial cancelled our recurring payment without notifying us. The account went unpaid until XX/XX/21 when we realized that they had not debited our account in XXXX, XXXX, and XXXX. The recurring payment had been cancelled and completely removed from our account. We immediately paid the full outstanding balance and setup the recurring payments once again.

Mazda reported our late payments to the credit agencies/companies and our credit score took a massive hit, to the point where our application for a home loan was denied. We had stellar credit scores before this happened. We were making a good-faith attempt to pay the monthly balance through auto-pay, so we believe this is extremely unfair given we were not notified of any issue. 

When we called Mazda Financial Services they couldn't even tell us why exactly the payments had been cancelled, and couldn't tell us what account they had attempted to transfer the payments from. We have no way of knowing what caused the error/cancellation of our recurring payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I XXXX XXXX, the consumer, in fact the natural person Pursuant to 15 U.S Code 1602 ( e ), original creditor, lender, attempted to enter into a consumer credit transaction with Wells Fargo using my credit card. 
Pursuant to 15 U.S. Code 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. On XX/XX/2020 Wells Fargo claims they needed proof of closing costs. I inquired about a XXXX I received in which Wells Fargo denies accepting. I am aware that my rights as a federally protected consumer have been violated. Pursuant to 15 U.S. Code 1602 ( o ) I the consumer did not benefit from this transaction. I am the natural person Pursuant to 15 U.S. Code 1602 ( d ) and Pursuant to 15 U.S. Code 1602 ( e ) I the consumer have the credit, which is the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. So I do not see why Wells Fargo wanted to see proof of closing cost. A consumer transaction involves a finance charge, which is the sum of all charges. So down payments of such is a violation of my consumer rights. I XXXX XXXX do not feel secure in my papers. I find that my 4th amendment has been violated as I applied for my credit and haven & # 39 ; t benefited from it. Wells Fargo has performed unreasonable searches on my social security violation Pursuant to 18 U.S. Code 242. Wells Fargo stated they respectfully deny to have the credit inquiry removed, which is a violation of 15 U.S. Code 1681 ( b ) ( 2 ) as I did not give written permission to have this inquiry on my consumer report.

I affirm ( swear ) that my statements are true and correct to the best of my knowledge.

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 2022-01-24
Company: EQUIFAX, INC.
State: MD
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 asked for a removal of incorrect inquiry and the company refused to remove. When asked to speak to supervisor, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had my mortgage with CitiFinancial I was late a few months on payments I got harassing phone calls and then I was told if we did not settle within 2 weeks they would contact a sheriff and have us thrown out I never received any information on any services that could help us catch up on those payments and we were never able to get to the principal we were always paying just on the interest thousands and thousands of dollars a year so after that phone call to kick us out we moved. I had an auto loan for which they immediately began to garnish employment checks for almost 3 yefor. XXXX XXXX, 2017 I received a letter from Citifinancial saying that they are going to forgive the remaining loan amount of {$280.00} we have not received any statements whatsoever in 3yrs say how much we have paid and what the dates were from those garnishments. I tried contacting them many times over 3 years to get balance owed and verification of payment they say they will send them but do not. Since I lost my home almost 4 years ago I have never received anything from them so I have no clue what I have been charged for except that each time they submitted a garnishment for wages I had to pay Sheriff fees collection fees interest fees on a loan for {$3000.00} I paid over {$14000.00} for not to mention I 'm a single mother who got my first home through the first time home buyers program and they took it from me what do I do? 2 times after calling and giving them my information I get disconnected when I call back they do n't answer. I recently discovered when going to check my credit report that on my mortgage they apparently sold it but they left a remaining amount of {$1.00} Wing them on my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Social Finance, Inc.
State: NV
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:
XXXX XXXX communicated incorrect and inadequate information regarding payment due date and statement cycle end date. Representatives have communicated multiple varying due dates each time I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX veteran. As of XXXX, the state of Illinois approved tax exemptions of primary residences to XXXX veterans. 8 months ago, Loancare, a XXXX XXXX. NMLS # XXXX purchased my loan. In XXXX, I informed them that I was tax exempt and filed the appropriate paperwork. They have me on file as tax exempt with {$0.00} due. They have {$8100.00} of mine in an escrow account. The only thing due for the rest of the year is {$2000.00} for insurance. They will not give me the {$6000.00} that belongs to me! Furthermore, they keep making me pay them an extra {$820.00} per month toward taxes that is n't due. When I attempted to pay them the correct amount, they charged me a service fee of {$92.00} ( which they allowed a " one time '' forgiveness on. ) I 've been trying for 5 months now and they WILL NOT stop this activity nor give me my money. Please help! Sincerely, 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
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00}

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  XXXX BANK account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an 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 2020-01-02
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a contract ( 2nd round of contract ) with XXXX XXXX. I fulfilled my contract and kept service for the full term. Once I switched to another provider they billed me for the contract penalty of {$250.00}. This is inaccurate as I completed my contract. I have called and they said they would adjust but they have not and this company has put in on my credit file and calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2017-02-03
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I live in Hawaii. The time difference depending on the time of year is XXXX6 hours. That means that it is not possible to get in touch via phone. I have tried to use their correspondence feature but they either do n't reply or send a form response that does not answer my question. There website currently does not work well and requires constant switching between the old a new site. This now has been for years.

Company response to consumer: Closed with explanation