BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2020 I made an application for a motor vehicle lease through XXXX XXXX  XXXX. The entity servicing the lease is Toyota Motor Credit. I authorized only ONE credit report to be pulled in connection with that application, nevertheless both XXXX XXXX XXXX and Toyota Motor Credit each pulled separate reports, resulting in two hard reports on my credit profile, which significantly lowered by credit score. I never entered into any financial arrangement nor made any application to XXXX XXXX XXXX for credit or a lease. The transaction was with Toyota Motor Credit. 

Since discovering the two hard credit pulls on my credit report I have been attempting since early this year to remove on of them. The credit agencies involved ( XXXX, XXXX and XXXX ) refuse to even acknowledge my complaints, and XXXX XXXX  XXXX and Toyota refuse to withdraw one of the reports. It is improper to pull two hard credit inquiries for the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: TX
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 Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXX-XXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TD BANK US HOLDING COMPANY
State: IL
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 my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: TX
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 Account XXXX XXXX REC # XXXX Account XXXXXXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account XXXX XXXX # 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 explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MS
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, and Reference # XXXX XXXX XXXXXXXX XXXX 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 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 explanation
Consumer complaint received 2020-04-23
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:
I have contacted XXXX, Equifax and XXXX  on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX  XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need XXXX  Equifax and XXXX  fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without 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 2022-03-01
Company: Kriya Capital, LLC
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: Account status incorrect

Complaint:
Settled debt with company called " CREDENCE RESOURCE MANAGE ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an XXXX store credit card that is issued by Comenity Bank. They had a system upgrade which didn't go as planned and their online services/website has been down for weeks now. There has been thousands of complaints on their official XXXX page and no one is able to get access to their accounts. I'm unable to see my account, unable to see when payments are due and unable to see how much is due. The company is charging people late fee 's and when you try to call, you receive a message saying all of their offices are closed. This is ruining peoples credit and causing all types of stress and anxiety on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BARCLAYS BANK DELAWARE
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for a purchased of over {$500.00} by XXXX XXXX on XXXX and didn't receive anything from the company, I've tried contacting them and they won't respond to my request for a refund. I now believe this company XXXX is a scam company and I contacted my credit card company today ( XXXX ) and they will not help me either with the dispute. I think my credit card company barclays is involved with helping them steal from me. Barclays refuse do dispute this matter I've contacted them to resolve. I believe you should also investigate barclays, as they always help the merchants steal from the customers, this is not my first theft that barclays did to me. There should be strict laws against helping merchants steal from consumers and these companies license should be revoked for fraud.

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 2022-03-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I went into the TD bank XXXX in XXXX fl I went in desperate to get a new bank card due to the fact that there was fraud going on in my account the gentle man was being rude and said oh no I cant give you a card because your Id XXXX XXXX XXXX XXXX XXXX I need to use my money I left very upset told him he was being an XXXX and didnt want to help me I went into the drive thru of the same bank and the gentleman helped me out with my ID expired he still gave me 100 $ out of my account the next day I tried to use my bank account and it was on hold apparently the manager XXXX XXXX had put the hold on my account she took the time to dig into it once I left to get back at me she put a hold on my account and said I had a previous account that I owe XXXX I gave birth XXXX on the XXXX I callled and put my account on a credit status not having a lot of money but had no choice if I didnt pay they wouldnt release the funds its now XX/XX/XXXX still not able to use my money and I allready payed the money I called the branch because the recovery team told me they are the only ones who can remove the hold spoke to XXXX XXXX again and she told me shes the one who put the hold because of how I was rude with teller I said how can you do some like that shes like you want me to help you or not? Over the phone then she stated she will call me back once she found out whats happening now my water has been disconnected due to non payment because Im not able to pay because my account its been on hold this has cause me such a frustration and my kids not having water to shower its been crazy with a new born I dont think this is how people should be treated at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: T.S. Holdings
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections agency, XXXX XXXX XXXX, is reporting on my credit report that I owe {$2400.00}, which includes {$730.00} in what they say is accrued interest. I sent a letter of validation to them, which I confirmed they received with USPS on XX/XX/2021 ( and will attach the tracking number ), but they have not responded to me since then. 

The XXXX period for XXXX XXXX XXXX to respond to my request for validation ended in XX/XX/2021, and they must now stop reporting this alleged debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Experian Information Solutions Inc.
State: FL
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:
Experian did not remove fraudulent information such as address, phone number and/or account information from their data base. The information does not show on my credit, the one I can see as a person. 

I can not verify my identity to access a free credit report, dispute inquires on my report, renew my health insurance and so many other things. 

I have been reporting this issue to them for years.

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 2022-07-18
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX PHH mortgage in formed that I was already 3 payments behind {$4100.00} and that foreclosure measures would start on XX/XX/XXXX if the account wasn't brought to good standing. As I informed them due to being XXXX XXXX XXXX being hit by financial hardship by covid and the up raise in my mortgage payment it has become affordable to continue paying on the mortgage. No assistance to date has been offered and a foreclosure in in process. This is the only home I have known since my husband and I purchased the home in XXXX. There is a {$70000.00} loan taken back in XXXX and the principal remains at {$70000.00}. They continue to increase my monthly payment. I see back in XXXX the action suit brought against them for insurance kick backs and I never received any sort of refund for that. The amount due now to bring the account to good standing is {$8700.00} I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage of and being ignored of my disputes.Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to stress you cause 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
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We owned  XXXX  CC a balance of {$8000.00} o  XXXX   XXXX   XXXX   and we were told to pay {$2700.00}, by   XXXX   XXXX  , so I wo n't be penalized to pay the interest promotion which was {$800.00}. We decided to close the account and pay the full balance which was  XXXX , On   XXXX   XXXX  . I was told since I paid the full balance that I was going to receive {$860.00} for the interest adjustment. However in order to get this I was told I needed to request by calling them and they would post it in the computer and mail me the check within  XXXX  days. I have called several times to send my check of {$860.00} that I was told by several customer service representative that they would mail me the check. However, all I got from them on the   XXXX   statement was an account statement with a credit of {$810.00}.  XXXX  towards my close account. When I called on   XXXX   XXXX  , about this their reply was the money went toward the account, and can not be mailed to us.

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 2022-07-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX I am XXXX XXXX XXXX I recently purchased a condo in XXXX XXXX for {$120000.00}. I was scheduled to close on this property and was told by the title company to send a wire transfer for the deposit and closing costs. I called the title company to confirm the account number they said yes it was correct unfortunately they did not let me say the entire number and I only sent it to a partial number missing the last four digits. {$16000.00} was the amount sent on XX/XX/XXXX. I have attached a copy of the wire transfer record. XXXX is my bank and I asked them to recall the wire transfer from chase bank for two weeks chase bank had no response even though XXXX is sending messages through a swift system. On XX/XX/XXXX Chase finally responded with they were going to investigate the case but since then XXXX has not received any information. When calling chase bank they state the account number does not exist yet the Title company I am working with said that it went into somebody elses account. After a bunch of phone calls back-and-forth to the title company they are now emailing me that they will no longer help me retrieve the funds. XXXX continues to tell me they get no response from Chase. I went to Chase Bank and they said the funds should be received in 1 to 2 days when the funds are recalled again that is not the case. I have limited resources to speak to Chase because I am not their customer and they are not very helpful when I go into the branch or when I called on the phone I have attached the information for the wire transfer for you, my concern is that I will never get the money back. I have reported this to the Attorney General office. I had also contacted a private attorney and he stated that it would not be enough money for me to make it worth it to pay him to help me retrieve the funds. {$16000.00} is a lot of money for me and its creating quite a problem for me both emotionally and obviously financially. Your help on this is greatly appreciated my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XX/XX/XXXX. We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is OLD back in XX/XX/XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a veteran and his hospital bills were paid by the Veteran Administration because he was given a rating of XXXX %. XXXX % means Veteran Administration is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. Veteran Administration PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XX/XX/XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Ocwen Financial Corporation
State: VA
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:
To Whom It May Concern : I've contacted PHH Mortgage Servicing Company on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$69000.00}. I've never signed a contract with PHH Mortgage regarding this account. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked PHH Mortgage Servicing Company to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: MD
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:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: LA
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:
A notice of intend was send to Equifax after no response to my dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On or about XX/XX/XXXX as a member of the Navy Federal Credit Union since XXXX. I applied for a loan and was denied. Being a 100 % service connected veteran, I thought I could always count on my credit union. I have had over {$5000.00} deposited into my account within the last three months. I am desperately trying to pay my bills off. But when I need help from the bank I entrust with my direct deposits every month for over 35 years and get DENIED, that seems so unfair. The credit union has trusted me on previous occasions to approve and pay back a loan, but they are NEVER there when times get rough. I have paid every loan that I have received and even increased my credit scores. This is a depressing move for a veteran with XXXX in need of financial assistance to stay sane. 

Blessings and Thank You, XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief