BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date XXXX XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2018-05-29
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I called Ally Financial in XX/XX/XXXX to obtain my payoff amount. I wired the payoff amount through my bank. I have been waiting on my title and today XX/XX/XXXX, I received another bill for a another monthly payment but isnt due until XX/XX/XXXX. Its there mistake for not giving me the correct amount and I dont think I should have to pay this amount. Its absurd. They are a joke as to a finance company and I plan on suing them and my attorney will go after them for legal amounts that incrue for his time and any other fees that he see fit.

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 2015-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did not find the right option for my complain, so here it is. 

This account was originally from XXXX XXXX now XXXX, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither XXXX or this collection company Portfolio have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have many incorrect inquires on my credit report that i have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how theses things are being tied to my name but i have nothing to do with this for example BAG BORROW OR STEAL IN Miscellaneous Department and Variety Stores XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX Companies XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  Travel/Entertainment XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - 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 2016-12-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota Financial Services does not want to remove their derogatory information to the credit bureau although per my telephone conversation, they will not report me for being late because it is not fault. Monthly they draft my account. I called Toyota Financial Services that I am going to close my bank so they have to charge my new bank account, this was XXXX XXXX, 2016 and also fax them an instruction on XXXX XXXX. They sent me their own form and I fax it on the XXXX of XXXX. I was surprised when I received a past due notice and called them right away. They say they will charge my account for two months without late charges and will not report me to credit bureau. But to my surprise, they reported me to credit bureau for one month late. I gave them more than 30 days notice, by telephone, XXXX XXXX and by letter, XXXX XXXX. I wrote to them but denied my request to reverse their derogatory remark. I was not at fault, it is their negligence, why should I be penalize? 
They admitted I was not at fault by not charging me late fee. Day one I never missed any payment because it is always drafted from my bank account. 
I highly believe that this bureau is my last resort to listen to my complaint. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A company by the name of " Portfolio Recovery '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " Portfolio Recovery '' to validate any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receive daily calls from this company. They have the wrong person. I tell them this daily. They say they will take my name off. I continue to get daily harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Capital One has been charging {$8.00} monthly fee without notice. When I opened the account I was told the account was a free checking with a monthly charge. I contact Capital One about the error and I was told " sorry '' but not refunds! I started back working part time and still receive unemployment this is a financial hardship I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX that they reported the balance zero but they still have it on my 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 explanation
Consumer complaint received 2016-07-08
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Discover Student Loans, is yet again not processing payment of money order sent in. Friday XXXX XXXX XXXX I mailed out payments of XXXX money orders. XXXX for loan XXXX and XXXX for loan XXXX. That is now 3 WEEKS ago. Loan XXXX is NOT processed still. And now they are claiming I am late on payment. I fought this exact issue on XXXX of these XXXX discharged loans XX/XX/XXXX. 
I can not online view these loans balances. 
I can not give them payment in ANY form online. 
I get no mailed invoice, balance, statement or mailing adress monthly or every on loan XXXX and XXXX. 

I pay more then the minimal every month since XXXX XXXX. Once again, and again not first time on this happening 3 weeks in XXXX gets processed Loan XXXX this week ... ..two weeks later so much for 7 to 10 days, 2 weeks for XXXX and 3 weeks for loan XXXX not processed yet. Yet I will be told I am late on the payment and be penalized and magically the only time I will hear from Discover Student loans on these account sub loans XXXX and XXXX. I dont even know what I owe I have no means of viewing the balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, therefore, I could n't be the one to incur charges under the Capital One account. I am a victim of Identity Theft. Please remove these charges on my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/XXXX at XXXX XXXX, i went into the Chase bank located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I wanted to deposit XXXX  dollars in cash into my friends bank account. I supplied a deposit slip which included the account number and all information needed to make the deposit. I was instructed by the teller after he requested my license that i could not deposit the cash into my friends account. 
I have never heard of that before. I was instructed that only the owner of the account could make deposits. Is this accurate? I have deposited money into other accounts in the past and never had any issues. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
After moving, we got behind on paying credit card. XX/XX/2016, contacted Capital One regarding past due debt XXXX ; we wanted to make payment. They transferred my call to a " lawyer '', who was far from professional. Name was XXXX XXXX XXXX. He stated that he would accept {$1900.00} settlement if I gave him our account information immediately. I told him that I would not be giving anyone access to my account. He said he could not help me without account info. On XX/XX/2016, we made an appointment with our attorney. He contacted Capital One & was also transferred to a " lawyer ''. The situation was explained to her & she stated that the first lawyer was incorrect in his information ... that they could not take any payment from us because we had moved to another state. She said she would have to send us information. Our attorney said to wait for information. We never got any information ... its now XX/XX/XXXX. We want to pay this credit card balance & have it reflect as paid on our credit report. At this point, we have no idea what to do to get a settlement in writing so we can take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was banking with Simple. They were bought out by BBVA and accounts were transitioned last Saturday, XX/XX/2021. Since that time I have not been able to setup and online account with BBVA, and neither have thousands of other Simple customers. Their support line never answers your calls, and when they do they say nothing can be done at this time. 5 days without access to my account is unacceptable. BBVA should be held accountable for this blunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX/XXXX/2015 I paid my credit card bill {$180.00} On XXXX/XXXX/2015 I received a message stating that amount was pending due to a XXXX CAPONE OTB HOLD. I called to inquire about the hold up. A supervisor stated it was because I paid my bill to often in one month, so they were placing a hold because of suspicion of fraud. They called my bank with me on the line and inquired about fraud. The bank confirmed there was no fraud. the bank further told them that the {$180.00} was released to them. They confirmed they had received the payment. After they hung from the bank the supervisor for Capital One told me she was going to keep the hold on for several more days. On XXXX/XXXX/2015 a payment of {$17.00} was allowed to go thru. This coming after a hold was placed on the {$180.00}. I told the supervisor : # 1. I suspect that there was an attempt to control my spending view slowing the process to return my credit limit to its normal amount. # 2.How is it that they were the complaint party for my bank who was not concerned with the allege fraud. She stated I should not pay my bill as often as I had. I stated I wanted to produce a good pay record to help my credit and I needed my limit restored in order to buy other goods. I informed the supervisor that I take umbrage to how she and the other employees were handling my situation. The situation being that a made up charge of fraud that the bank where i have paid all of my bills concerning capital One all of a sudden became fraudulent. I ridiculous that Capital One would investigate fraud for another institution who have their own security measures in place. This supervisor called my institution and never offered a legitimate reason for calling only saying it was a mistake that had already been resolved. It was so unbecoming of a business such as Capital One. I told her, I was offended by what they were doing that the real reason for all of this was to keep me from paying my bill so rapidly. She stated the hold would be removed but she cautioned me to not pay my bill as often.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: AFNI 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:
XXXX has reported I opened an account XX/XX/2021 and I owe them {$320.00}. I do not owe them. I did not open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: MB FINANCIAL, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX, which was acquired by MB Financial Bank shortly after. My wife and I purchased another house closer to work some time later, but we continued to pay our escrow mortgage on the first house until we could sell it. Fast forward 2 years and we have found a buyer for our first property, but to our dismay, it had been burglarized one weekend. I called our insurance company ( after the police of course ) to start a claim, only to find that we did n't have insurance any more with them because the account had been closed " due to non-payment ''. I called MB Financial and they said that the insurance was dropped without a reason so they decided to take insurance out on the house themselves ( I still do n't know the name of this provider ) but of course, the plan did n't include personal property coverage like the insurance I had purchased. Anyway, long story short, I am out {$7000.00} due to this burglary ( they took all of our appliances ) and I see no hope of getting it back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice from XXXX XXXX XXXX membership that a collection was placed on my report for XXXX dollars from Deversified Consultants XXXX, XXXX XXXX XXXX XXXX. XXXX Fl. XXXX. I received this notice XXXX XXXX 2015. I have never heard of these people and have never received a letter fron them verifying a debt nor amount or notice of my rights to dispute. Iam simple put in collection without any communication attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions 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:
I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off 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 2016-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX 2 transfer adjustments of XXXX were made to my account, increasing the amount owed on the card XXXX. There was no reason for these adjustments, I believe they stem from a fraudulent charge made to my account in XXXX of this year. The fraudulent charge had been transferred from the credit card it was made on to this account. I called the credit card company and they corrected it. Not long after, they made another transfer adjustment to my account. Again, I called and it was corrected. 
On XX/XX/XXXX they did the same transfer adjustment, twice. I have called 5 times over the last 6 weeks and have been assured that it would be corrected. It has not. I am contacting you because it now seems clear that USAA is unwilling to correct their error,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief