BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Infiniti Financial Services has reported many inaccurate statements of late payments and early lease termination on several accounts with them. These include Account numbers  XXXX  and  XXXX . I have not been late. Regarding account  XXXX , I was in dispute with them direct because they did not validate vehicle insurance when I leased my new vehicle from them in   XX/2016 . The  lease is therefore void and not valid. Also, they reported I was late in   XX/XX/XXXX  whe n we were in dispute and they said they would not. They never returned any of my phone calls.     They have reported on several other accounts with them. Stating falsely that I terminated lease early when I purchased a new lease from  XXXX   XXXX  in  XXXX  from  Infiniti Finance. I w as never told they would report lease terminated early.     They promised to remove all negative account information because I have not been late and I have not terminated any lease early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
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: Their investigation did not fix an error on your report

Complaint:
I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit repor ts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus TransUnion, and   XXXX   did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.

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 2015-03-21
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Yesterday I questioned a company of why there was no refund apply to my credit card but a debit. They reply that I owed them XXXX in 2011 and deducted that from credit card as well as shipping charges. When I asked to see invoice of this charge in 2011 the company said they did not have XXXX. When I asked them to return the money to my card they refuse. I did not authurize this company to collect a past debt only a refund/exchange plus shipping. I do not know the reason for the this charge and I want them to put my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX continues to improperly report this XXXX  bill as a late payment and unpaid bill on my credit report. I paid this out of pocket and my insurance paid the balance. I've already explained this to the collection agency and they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
USBank provided an email claiming " Earn 20 % MORE REWARD POINTS on purchases made with your XXXX REWARDS XXXX Card through XXXX XXXX! '' However, very few people will receive any extra points. Fine print states you first have to spend {$2700.00}. Then XXXX reward points are earned per dollar only on " additional net purchases ''. That 's like advertising 20 % off the last {$10.00} you spend on a {$100.00} shirt, which is really only 2 % off. Most people will use the card more thinking they will get 20 % more rewards when in reality they will get no more reward on the XXXX {$2700.00} they spend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on  XX/XX/XXXX  w hile attempting to use my debit card i was denied, upon further review i went to go look at my account online to see what the problem was. apparently someone withdrew   XXXX   from my account and over drafting it in the process, so i alerted the fraud department as soon as possible and they said i had to wait until the   XX/XX/XXXX  to file a claim in which i did. fast forward 4 weeks and i get a letter saying that they  came to the conclusion that i had withdrew the money. i contacted them again and they refused to reopen the claim citing unless i had some kind of proof like a police report that they wouldnt reopen it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dovenmuehle was transferring our mortgage servicing to their other company, XXXX, and we were in process with another lender in refinancing the mortgage. When the loan was paid-off in full, they reported it as a short sale, which has seriously damaged our credit. I called XXXX, as their name is showing on my credit report with the short sale information under their loan # XXXX RUSHMORE XXXX. I USED THE PHONE NUMBER ON THE CREDIT REPORT UNDER THIS ENTRY. I SPOKE WITH THEM SEVERAL TIMES TODAY DOING WHAT I COULD TO GET THE FASTEST RESOLUTION TO THE INCORRECT INFORMATION. After faxing them the credit report to show what they had done, calling several times, I was n't getting immediate attention to this issue and asked for a manager, then they told me I had to call their other company XXXX they are apparently related ) who transferred the loan to them, Devonmuehle. I called them and they were closed before XXXX XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Residential Credit Solutions ( RCS ) forced me to use an escrow account, despite having no legal authority to do so. I request that all funds that were held in the escrow account be returned and refunded to me immediately. It is the only ethical thing for Residential Credit Solutions to do. There was also an overpayment in the amount of exactly {$130.00}, I request that this amount be refunded as well. 

Please see the attached letters from my lawyer, XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. These letters clearly narrate and state the abuses committed by Residential Credit Solutions. I have paid my property taxes on time for over ten years now, without ever missing a single property tax payment. I do not see why RCS assumed the responsibility of paying my property taxes, and without my permission or consent. RCS had no legitimate or logical reason to do this. Please see the attached XXXX RCS statements and XXXX of my own bank statements that show the amounts that RCS was charging me in escrow fees. Please note that my monthly mortgage loan payments are exactly {$2600.00}. 

Finally, Residential Credit Solutions informed the Consumer Financial Protection Bureau that they were in fact going to help my refinance my mortgage loan. Please see the attached letter from RCS dated XX/XX/XXXX. They did not help me, they instead transferred the servicing rights to my mortgage loan back to XXXX XXXX XXXX. Please see the attached letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: SC
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 fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXXpened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :

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 2017-05-30
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by  MSB about  XXXX  violations ( pa rking m eter and street sweeping ) on    XX/XX/XXXX   a nd    XX/XX/XXXX  . I immediately followed up with the agency to let them know I was not the own of the car at that time at which point they directed me to their online dispute form. I followed their direction including provide proof of when I took over ownership of the car on  XX/XX/XXXX  .  I received a follow up email asking for further information which was then pro vided ( e mail attached ). Toda y,   XX/XX/XXXX ,  I  received another notice with " DEMAND FOR PAYMENT '' in the subject. They are clearly aware given our previous correspondence that I was not the owner of the car so they should try to contact the previous owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a discover card holder as of 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a XXXX months ago ( XXXX XXXX ), without any warning and notice in advance, the company closed my account and thereby wiped out my 3 years of credit history associated with Discover card. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Most importantly, I have about {$1100.00} cashback bonus in my account when you close my card, and I was told by discover agent that they will return my cashback bonus in two bill cycles. But I wait for two bill cycles, and get nothing from them. 

Today ( XXXX. XXXX ), I called them about the cashback bonus. They told me that when my account was closed, the cashback bonus " was forfeited ''. However, in their website, they say that " We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months ''. 

As a credit card company, the most important thing is to fulfil your promise ( contract ) with consumers. But now, this company uses its real actions to prove that they do not follow the contract. 

Moreover, upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX ) without a just ground. I believe that CFPB is or will be getting more similar complaints in the near future. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put in an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used one of the prepaid cards that you buy from a store and purchased a XXXX  XXXX product under my name falsely I called the company to try to figure out why it showed up at my house to return it and they refuse to take it back and the card that was used again was a prepaid card that was fraudulently used with my name. The account was opened XX/XX/XXXX I'm unsure of the exact date. But I did have a dispute done with them and it still shows up on my credit report showing I owe {$510.00} with XXXX payments and I explained to them that it was not my debit card through my bank I don't know who open the card or anything else. XXXX XXXX is the original creditor but MONTEREY COLLECTION SVCS is the one that shows up as the collections Agency on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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: Public record information inaccurate

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS filed XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. 
Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. 
I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. 
I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. 
Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On  XXXX   XXXX ,  2017, I rec eived a claim from  XXXX   XXXX   XXXX   XXXX  stating I owe a debt of {$7500.00} for the remaining balance of my Toyota payment. The letter states I will be sued if I do not make a full payment or a payment arrangement. I called numerous times and finally a week after I got the letter, got through with an employee at the firm to make a payment arrangement. They did not want to execpt my arrangement because they stated it was n't enough and belittled me and used disrespectful name calling to myself. I asked to speak to a superior and the gentleman stated he was the superior. The employees name was  XXXX   XXXX . He was highly disrespectful and told me that my arrangement of {$100.00} a month was n't good and wante d 10 times th e amount which I can not afford. I am willing to make an arrangement of {$100.00} a month because that is all I can afford. Then  XXXX   XXXX  told me to pay whatever I want and disconnected the phone on me. All I am trying to do is make my payment arrangement on m y Toyota acco unt so I can get this off my chest and not have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: MI
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:
Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.

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 2015-08-26
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
After agreeing to XXXX automatic payment withdrawal from my checking account, and after paying off my credit card balance with Discover Card I received an email stating that my credit line was being reduced and that my account would be closed within 30 days of receiving the email letter. My Discover Card account was opened on XXXX XXXX, XXXX and was in good standing with the exception of XXXX 30 - 59 day late payment in XXXX XXXX. After viewing my XXXX and XXXX credit reports, I saw that Discover Card had purposely deleted XXXX years of positive credit reporting for the years XXXX, XXXX thru XXXX XXXX on XXXX credit bureau report and the years XXXX, XXXX thru XXXX XXXX on the other thereby making my credit history look much worse that it actually is, which seems to be a common practice with credit card issuers at the present time. Discover will also be reporting the reduction of my credit line shortly and will follow-up by closing the account in another 30 days thereby manipulating my FICO to be even lower. My credit card account with Discover was past due XXXX time in seven years, and I do n't see how they could possibly perceive that as a bad credit risk to them and them alone. My FICO score has been manipulated in the same way for the same time periods for multiple credit card issuers, and I will be submitted individual CFPB complaints on each and every one of them.

Company response to consumer: Closed with explanation