BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WY
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, purchased a lease from Toyota Motor credit. XX/XX/XXXX My final lease payment was pulled from checking account and posted to my Toyota acct. i notified Toyota Motor credit that I was currently waiting on a new vehicle from Toyota, to return my lease. My new vehicle arrived XX/XX/XXXX. XXXX XXXX XXXX, in XXXX XXXX purchased the lease from me, paying off Toyota motor credit the remaining owed ( {$31000.00} ) from the payoff received from Toyota Motor credit, that day. Sometime in between those dates- Toyota credit, somehow reversed my XX/XX/XXXX payment from my account and applied it somewhere else, that I dont know if. I received a called from Toyota credit, XX/XX/XXXX telling me my account is XXXX days past due and I now owe XXXX and XX/XX/XXXX payments. The XX/XX/XXXX payment, was not returned to me nor applied to my account. I made numerous calls ti TFS to get this corrects and was told, the accounting department was working on it. They could see the payment was reversed sometime at the end of XXXX but not applied back to my account. In the meantime, While TFS is telling me Im XXXX days past due, the representative told me they did receive the entire payoff amount of {$31000.00} from XXXX XXXX on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, XXXX I get a notification from XXXX ( I monitor my credit ) that as of today, Toyota Motor credit reported my account 30 days past due. This false report, hit my credit and my husbands credit hard, knocking out score down XXXX points. I called TFS the customer service rep and supervisor told me they cant see that my account was reported past due. They can see my account was corrected on XX/XX/XXXX where they reversed my My XXXX pymt and now reapplied it and they could see the loan was paid in full, on XX/XX/XXXX. Ive disputed this false credit reporting with Toyota Motor Credit, XXXX and filed complaints. My credit and my husband credit, has been greatly impacted, negatively due to Toyota Motor Credit, reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian lists an incorrect address on my credit report : XXXX XXXX XXXX XXXX XXXX, WA XXXX. Experian claims I must contact the creditor who provided the information, but the creditor is not listed, and Experian will not provide me with the creditor 's contact information. Furthermore, any account/creditor associated with the above listed address has been opened fraudulently. 

I 'm XXXX and I can not contact Experian via telephone. They do not respond to my letters via mail. They do not respond to accommodation/modification requests to communicate with me in an effective manner. 

This is Experian 's response : " Please note that we store name, address and telephone number information as it is sent to us by your credit grantor or from information contained in public records. We are unable to remove accurate information. If you believe a name or address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular name or address information on your 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 explanation
Consumer complaint received 2022-06-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: AL
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:
Experian, XXXX, and XXXX are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: Flagstar Bank, N.A.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My mortgage account with Flagstar bank is currently in a temporary deferral status, due to the effects of COVID-19. I have been in contact with Flagstar ( online and by phone ) and provide them with regular updates regarding my status. On XX/XX/2020, an envelope was delivered to my home and left hanging on my fence. This occurred prior to XXXX. It was discovered by a friend, who had stopped by to pick up something I had left for her. The envelope was from Flagstar, and contained instructions to contact them. All XXXX of my children are remote learning at home during this time. This was extremely embarrassing for me and unnecessary for a number of reasons : 1 ) I have been in regular contact with Flagstar and have kept them apprised of my situation. 
2 ) I am in payment deferral status, due to COVID-19 and there should be no collection attempts. 
3 ) This was a collection attempt and was made outside normal hours. 
4 ) Our state is under a disaster proclamation ( Illinois Executive Order XXXX ), which limits this type of contact, due to fears of spreading the virus. 

The address where this occurred is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2017-10-18
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return manager made me sign a Vehicle Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made 7 payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2020 - Call to Capitol One Received final payoff amount for both accounts XXXX and XXXX for account closure. 
XX/XX/2020 Both accounts were paid off using the Capitol One App. 
XX/XX/2020 received statement in mail account not closed. Called Capitol One at XXXX XXXX  and spoke with XXXX. He advised accounts had not been completely closed out but did have XXXX balance besides the membership fees and interest. He assured me that he would take care of the account closure on both accounts. He assured me that all remaining amounts on both accounts would be adjusted off as part of the account closing since it was only membership fees and interest. XXXX proceeded to close both accounts and I received a letter in the mail stating that both accounts had been closed. ( Membership fee : {$79.00} and Interest charges : {$14.00} ) XX/XX/2020 I received both statements again. Account XXXX had a XXXX  balance and all membership fees and interested had been adjusted off just as XXXX had advised in XXXX. Account XXXX still had a balance so I immediately contacted Capitol One again to try to get the account resolved to XXXX balance as XXXX advised would happen. I was advised that they would need to listen to the phone call to review what I was advised during the call and I would hear from someone in 2-3 weeks. 
XX/XX/2020 XXXX Spoke with XXXX a Sr. Account Manager that advised me that I was read assurances during the call on XX/XX/XXXX and there was no agent error. I advised XXXX of the complete conservation again and advised that XXXX advised that all amounts would be adjusted off and if they reviewed the ENTIRE call that information would be heard for both accounts. XXXX would only the assurances were read to me when I closed the account. He refused to file a dispute on the charges since the account was paid off and he refused to review the call from XX/XX/XXXX when I spoke with XXXX. 

I dispute the following charges and any future charges on account XXXX due to the fact I was assured on XX/XX/XXXX that all remaining amounts on the account would be adjusted off as part of the account closing process by Capitol One agent XXXX at XXXX. 

XX/XX/XXXX : Membership fee : {$79.00} XX/XX/XXXX : Interest charges : {$14.00} XX/XX/XXXX : Interest charges : {$12.00} XX/XX/XXXX : Past Due Fee : {$19.00} XX/XX/XXXX : Interest charges : {$1.00} XX/XX/XXXX : Past Due Fee : {$38.00} XX/XX/XXXX : Interest charges : {$1.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Good afternoon, My name is XXXX XXXX my home equity loan is finance with XXXX XXXX XXXX loan number XXXX ). As a verification of mortgage indicates as well as a payment history illustrates, we forward our mortgage payments to XXXX XXXX from the XXXX to the XXXX of each month. XXXX XXXX has recently reveal the following : Example, if XXXX XXXX payment was received on XXXX XXXX, XXXX and XXXX XXXX payment is received on XXXX XXXX XXXX, according to XXXX XXXX the payment is considered thirty days late and XXXX XXXX reports to the credit bureaus the mortgage payment is thirty days late. We have attempted to resolve this matter with XXXX XXXX, However after speaking with several customers services agents and team leaders the situation continues to exist.

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 2017-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This phone number has called several other times on different dates, XXXX. Today, XXXX/XXXX/XXXX, received the call again at XXXX am. Called ID reads " 84 Lumber XXXX '' I answer the call, person on other end asks if they could speak to a particular household member, I stated that was me. Person on calling end stated they were a debt collection service and gave the whole spiel about collecting a debt. I did not understand the name of the company that the calling female stated she was from. She tried pronouncing the name of the company again but in a way that was faced paced and still not understandable. I then asked female why does my caller ID read that she was calling from 84 Lumber XXXX She stated that " this number was given to us after they were no longer using it. '' At that point I disconnected the call. I am submitting my complaint today because if a legitimate collection agency is calling to collect a debt then, regardless of when they acquired a phone number, anyone 's called ID should read what company the call is coming from. When this call came in from this number before on other days, I did not answer the call because I knew that I did n't have any dealings with 84 Lumber and the caller did not ever leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: ME
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 made a hotel reservation located in XXXX, MA ( online ) with XXXX, the Website was very confusing because of many flashing and pop-in advertisement, I used my Chase Visa Card ( account ending in XXXX ), my medical appointment was cancelled ; therefore I called the XXXX and the Hotel itself 72 hours in advance, they did not accept my request. XXXX charged this amount to my card. 
The point is that the Hotel did not give me the Number of a Room RESERVED for me, it also means that they gave the room which could have been given to me to someone else ; this way the Hotel charged for a Room twice, which is a FRAUD. 
Chase Visa initially issued a credit, but then later sided with XXXX, I provide all the documentation to Chase Visa but to no avail. Chase Visa has reported this to 4 credit reporting companies, of course this will affect my Credit Rating. 
XXXX has been doing for quite sometime by mixing refundable & nonrefundable transactions together, it is fraudulent & unethical because NO ROOM was kept VACANT for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Someone applied for a loan through XXXX XXXX XXXX on XX/XX/2021 which affected my credit score. The company called to question this and declined the loan but it still dropped my credit score. I want it removed from 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 explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on X/XX/17 I requested my PIN be sent. It has been 14 days and in their response they said it would be 5-7 days. They lied again. I am applying for a mortgage and it is imperative that I get that information immediately. I have previously filed a complaint on Transunion and I think they are purposely holding up this information because of this. XXXX XXXX was the snotty supervisor who not only had me answer the security questions but also ask to have my husband fax his drivers license to her. This is ridiculous.

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 2022-06-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX ; ( XXXX ), XXXX XXXX ; ( XXXX ), XXXX 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 non-monetary relief
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in 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 explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the date last reported is inaccurate, the comments are inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.

Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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