BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Toyota Financial Services has NOT been reporting my payments to any of the three credit bureaus for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020! I have bank statements and Toyota account statements confirming payments. But if you look at my XXXX, XXXX  and XXXX reports they all show a BLANK for these five months?? For the past few months I've gotten a Credit Help Agency to dispute the false report. ONLY XX/XX/2020 and XX/XX/2020 have been changed and properly updated on my credit reports. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is willfully and negligently being noncompliance with Federal Law violating my federally protected rights. I have sent multiple correspondence asking for a letter including the method of verification used to determine the accuracy of the accounts and the employee contact information and a signed contract for the accounts you are alleging derogatory and you failed to provide it as that is my rights under the FCRA.I am not disputing ownership nor am I disputing anything, you guys have did multiple reinvestigations verifying the accounts with no proof, which is always a violation of my rights. You are way pass 30 days and the following accounts listed below shall be removed as the FCRA states if ( requested proof is not provided within 30 days the accounts should be removed ) If the following accounts are not removed after you willfully failed to provide proof upon requested, I will proceed to litigation as Transunion is not insuring there grave responsibility to accuracy and ensuring my consumer report is fair and equitable to me. Any damages I continue to endure from your willful noncompliance and negative impact on my livelihood, Transunion assume civilly liable. I have also not received disclosures from Transunion as obligated under the Gramm-Leach- Bliley Act which is also in fact a violation since Transunion is a financial institution which is also violating my Federally protected rights. 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX  ( Balance XXXX ) 6. XXXX XXXX XXXX XXXX and XXXX has also complied and removed the accounts, I am giving you this last chance to rectify this issue.

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 2020-02-19
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

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 2020-02-19
Company: EQUIFAX, INC.
State: UT
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 XXXX  XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

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 2020-07-29
Company: Rocket Mortgage, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was supposed to get back {$1500.00} at closing. I have called the company at least 3 times and have been hung up all 3 times. This is quicken loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A week and a half ago I signed a contract to purchase a foreclosed property from a government entity penny Mac. The property is located at XXXX XXXX XXXX XXXX., XXXX, ME. The listing agent is XXXX XXXX of XXXX XXXX XXXX and the selling agent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have been making repeated attempts through my realtor XXXX XXXX to acquire the executed contract for my bank but Penny Mac is unresponsive. This demonstrates a poor business acumen and an inappropriate way to interact with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX act number XXXX is a violation of privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed a Mortgage with New Rez financial on XX/XX/XXXX. New Rez was in possession {$2300.00} and XXXX for the purposes of Escrow while the Mortgage was still active. Since we closed the loan on XX/XX/XXXX New Rez has repeatedly failed to return the Escrow amount to us. They have not sent a check or done a direct deposit despite weeks of daily follow ups with support staff and managers. They have repeatedly told us they would mail a check or issue a direct deposit but we have not received any money. This is along with repeated instance of being told they will " call us back '' and never doing so and managers who provide us with direct line phone # 's that do not work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts transaction listed was not done by myself. Please delete immediately. 

Thank you.

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 2022-08-30
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 XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX, has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 604 A Section 2, also it states a consumer reporting agency can not furnish an account without my written instruction In accordance with the Fair Credit Reporting Act XXXX, TransUnion, and XXXX have violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy addresses do not belong on my credit report 15 USC 666b states a creditor may not treat a payment on a credit card account under a consumer credit card plan as a late payment for any reason. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : 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 2017-04-12
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they claim no one knows there rate till signing. Which does n't make any sense, why would anyone waste their time then? So someone is lying, or covering up for someone not doing their job & locking in my rate. Either way, I feel that this was a " Bait & Switch '', and this bank should be ashamed of treating a customer of over 10 years this way. Due to this, we had to go with another loan agency. During this transaction, we found out that we had lost thousands of dollars in interest savings by wasting our time with US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-04-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I recently sent Equifax a certified letter requesting an update to my current address. With the certified letter, I included a copy of my drivers license and soc sec card. I just received a conformation letter from them letting me know that they had completed the changes. The problem is they made the changes to someone else 's credit file. My name is XXXX. The person who 's file they updated is XXXX. How does this happen, considering I included two forms of ID with my letter. I can assure you that I do not and have never gone by the name XXXX. Also, the former addresses which were removed are not, and have never been associated with me or my name or social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I applied for and was approved for a {$500.00} line of credit through Minto Money. I had a financial emergency and needed quick access to money, but had limited options due to my credit history. 

While I was aware that I'd be paying high interest, I want to report this company for their predatory lending and astronomical interest rate. 

My {$500.00} loan carries a 463.16 % interest rate. My payments have been {$100.00} biweekly. If continue paying via this current pay schedule, I'd be making those payments until XX/XX/XXXX, paying a total {$3200.00}. Seriously??? I understand changing higher interest, but this is just exploitative. 

I have the option to pay the off the loan in full today for {$500.00}, which I'll be doing. However, I'm concerned for other people with poor credit who need emergency funds and have nowhere to turn other than to predatory lenders like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: SUNTRUST BANKS, INC.
State: FL
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 started a bill error complained on XXXX for an charge from XXXX XXXX XXXX, which Suntrust Bank dont want to Investigate because the 60 day Rule has pass ( copy attached of the latter ) is my Understanding that by Law ( CFPB ) is two years. 
Please investigate Thank you XXXX XXXX SunTrust Bank XXXX. XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX : Credit Card Number ending : XXXX Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for your inquiry on your SunTrust card account. 
SunTrust has received notification regarding your billing error dispute with XXXX XXXX XXXX. Per the cardholder agreement SunTrust must be notified within sixty ( 60 ) days from the statement/billing date on which the error first appeared. We did not receive your billing error notification within this time period ; as a result your dispute case has been closed. 
Should you have any questions or require additional information, please contact our office at XXXX. 
Sincerely, Fraud Assistance Center 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 2021-12-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity was stolen and I had already submitted my identity theft report to you guys 30 days ago. It was for the account XXXX on date XX/XX/2020. Also I have the inquiries attached on the file that I would like removed as well due to my identity being stolen.

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 2022-08-30
Company: Santander Consumer USA Holdings 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:
In XXXX and XXXX I started getting notifications of my credit being ran by various companies for a car loan I did not give permission for any of these banks or lenders to run my credit for approval. This has caused my credit score to drop below XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: World Omni Financial Corp.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southeast Toyota Finance repossessed my vehicle while I was XXXX in 2018. My mother had soda im banking power of attorney and Southeast Toyota would not let her make payments on my behalf, resulting in my car being reposeessed. Once I was in port and had the correct internet access and phone service I needed, I offered to pay the past due and towing fees and southeast toyota still refused to accept my offer. My notarized power of attorney was even sent directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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 status incorrect

Complaint:
XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
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:
I disputed two XXXX tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Avant Holding Company, Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
I have closed this account in XXXX, before closing account was zero dollars i didn't owned any single balance to bank. Initially there was a charge on XX/XX/2021 there was a charge {$290.00}, XX/XX/2021 $ XXXX {$40.00}. Both of them were unauthorized charges I did reported to bureaus and bank aswell I did forwarded them police report they have XXXX my credit file. I need my refund back from them asap. I need avant credit card company to fix my credit file which they caused issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent Experian two letters disputing an inquiry that is on my credit report, the inquiry in question is XXXX & XXXX XXXX XXXX and the inquiry date is XXXX/XXXX/2018. I asked experian to provide me with the original documentation bearing my signature and they have not provided me with anything. I am contacting the CFPB because I dont know what else to do, EXPERIANs own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they cant provide me with this information then I want this inquiry deleted immediately. The FCRA says that permisible purpose is also needed from me as the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TCF NATIONAL BANK
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: Account status incorrect

Complaint:
XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH TCF BANK, XXXX  ETC..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I googled the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation