BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 filed my first complaint on this company XXXX/XXXX/XXXX. My complaint number is XXXX for items that were purchased on XXXX in the amounts of {$280.00} & {$320.00}, They waive these items but did not reimburse me for the whole dollar amount. Which should have been {$600.00}. They only reimburse {$480.00} and then they applied an unauthorized charge of {$450.00} to my account. I 'm providing my XXXX statement as my proof.On my XXXX statement, an item that I purchased on XXXX for the amount of {$1100.00} had a current balance of {$960.00}. I noticed in XXXX that same item had gone from {$960.00} to {$1100.00}. This item was purchased on a promotion and should not have incurred interest or even went up in price that only thing I did was make a payment for {$32.00}. I have included a copy of my XXXX purchase invoice. I reached out to XXXX XXXX XXXX XXXX around XXXX and around XXXX she stopped returning my calls.My current balance on my statement says {$1600.00}. But, I noticed when I add all my items up it 's only {$1500.00} that is a difference of $ XXXX.Since XXXX I have been getting the run a round on non-promotional balances and so call interest incurring on them. My statement does n't show and I was told I do n't have any non-promotional balances. But when customer service ca n't explain the interest that 's on my account they try and say it 's a non-promotional balance but ca n't tell me what the item or balance is

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
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, XXXX and XXXX has some accounts on my credt reports that are not mine.

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 2022-07-18
Company: EQUIFAX, 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:
XXXX, equifax and XXXX has some accounts on my credt reports that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and transunion has some accounts on my credt reports that are not mine.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: AR
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 SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.

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: ALLY FINANCIAL 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:
Someone tried to obtain a vehicle using my information. Inquiries are on my credit that I never authorized.

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 2017-09-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Consumer HELOC opened XX/XX/XXXX on residence with XXXX XXXX XXXX with a rate of XXXX XXXX XXXX + 0 % starting at 3.25 %. A relationship discount of 0.25 % was active for a relationship banking account ( Checking & Savings ). I just noticed rate has increased the past few statements as XXXX XXXX has increased which is appropriate. I am no longer noticing my relationship discount of Prime -  0.25 % as indicated in my loan contract with TD Bank even though I am eligible for this discount having both checking & savings account. Last statement received rate was 4 % and prime rate was 4 % hence no discount applied. I was concerned that for this statement and many others I have been being overcharged so I emailed TD Bank for a response on XX/XX/XXXX. I was contacted by 3 individuals within the coming days to let me know that an answer was on the way, but no answers provided. On XX/XX/XXXX I received a USPS mailed letter response from XXXX XXXX of TD Bank explaining that my rate was correct at 3.25 % (??? ) and I was not being overcharged. She additionally told me to pay my outstanding balance which at that point was already paid with 20 days to spare. The letter was clearly inaccurate as she stated my rate at 3.25 % and she was not properly informed on the situation. I contacted XXXX XXXX, Consumer Loan Department, of XXXX XXXX XXXX on XX/XX/XXXX asking for assistance on this situation and still no response as of XX/XX/XXXX. I have received a leter from XXXX XXXX also explaining that all is well which is also incorrect. XXXX 's letter told me to " feel free to reach out to her '' which I have done 3 times over the course of 1 month with no response. I am concerned that TD Bank is not billing me as agreed upon in our HELOC agreement and I may be overcharged on this month 's statement and many others. At this time I am only requesting a educated response from TD Bank and 3 months later and 6 people have not been able to provide. Any support / feedback on this issue would greatly be appreciated. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 filed a dispute with Capital One for a charge on XXXX XXXX,2017. I gave XXXX XXXX my car for a 75,000 mile check-up and oil change. I authorized no further work. The attached letter will describe what happened. 
I filed a dispute and was treated very badly throughout the entire dispute process. In hindsight, I can see that they never intended to refund my money. I talked to multiple supervisors, I was constantly sending them all the documents that they required. It was very time-consuming and frustrating to deal with them. I was told exactly what a second opinion letter had to say and had the merchant write what they told me. Then I was told that the second opinion letter was not sufficient. They even told me that they would give me {$100.00} to pay someone for a second opinion letter. I got the letter without asking for the money. They would not talk to the merchants who needed to fix the car after XXXX. XXXX XXXX XXXX agreed to speak with them on the phone. They would not accept this. they said it had to be a written letter from a car merchant who did not even know anything about the case! 
.I asked that all the calls be pulled to prove that I had given them what they asked for. They told me that they would do this and call me back on a specific day. They did not call. A week later I called again. I was told again I would be called. Then I started getting calls that would ring once and they would hang up. Their policy is to call only once per day. If nobody answers they will not call until the next day. This went on for 3 days. When I finally was able to speak with a supervisor again they told me that they did pull the calls. I think they did not. If they had it would prove that I gave them what the representative said to give them. Also, I never got the call that I was promised. 
Throughout this entire long process I was made to jump through hoops and was not treated as a valued customer. This was the worst treatment I had ever received from a credit card company. I have lived a long time and owned many credit cards and have always been treated fairly. The experience with this dispute was appallingly bad and they did not refund me the money which I believe I clearly documented I should have been refunded. Several supervisors even agreed with me on telephone calls that what I was telling them made perfect sense to them and that by reading my documents it seems that XXXX Auto did cause damage to my car that I later had to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, I received a letter from XXXX XXXX stating that they were incorrectly reporting a bankruptcy on my credit profile. I sent a copy of this letter to Experian and asked them to certify this account on my profile. Experian said they spoke with someone at XXXX and that Experian was able to certify this account. I asked Experian for the name, address, and direct contact to the person they spoke with. I asked Experian several times to disclose this important information to me in order to resolve the account that is inaccurately reporting on my credit profile. My latest communication to them was on XX/XX/XXXX. Also, in this dispute I asked Experian for their investigation process regarding the Bankruptcy. In the end, I did not receive any specific information regarding who it is that Experian spoke with and how to directly contact this person who certified this account, so that I can resolve the issue and reconfirm the bits of information Experian did give to me. On XX/XX/XXXX, Experian stated : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. '' However, no investigation has been shared with me and I asked for a specific name of a natural person that they spoke with at XXXX so I can directly contact this person they say certified this bankruptcy. I provided a copy of the XXXX letter to Experian on several occasions and to no avail, as Experian is responding with an automated computer to my investigation request. I am still in dire need to speak with someone to remove this inaccuracy from my credit file.

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 2019-08-02
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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : 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 2019-08-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello my name is XXXX XXXX, I've brought XXXX XXXXXXXX XXXX brand new for XXXX Toyota and was financed through Toyota motor credit I traded in a car so the contract not making since how is the car was worth 42000 how my trade in was 7000 plus 3500 down and the car value was at XXXX its not making since that's the first complaint i contacted Toyota motor credit several times and keep getting the a ] run around my second complaint was when I tried to refinance the vehicle capital one been getting the run around from Toyota motor credit customer service not getting the payoff amount neither the apr that was financed through Toyota motor credit ask to speak to supervisor they are supposed to call back but no has called me back dealing with the major issue i have with this loan from Toyota things need to get resolved ASAP or I will consult in a legal team with the contract and other problems i have with this financed company, And third they are reporting to credit bureau one amount but mailing another amount for the outstanding loan i need clarification and Toyota or the dealership didn't obey the consumer laws in the contract so it needs to be abolished

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXXXXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, finance system AND FINANCE SYSTEM of RICHMOND has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXXXXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Been trying to fix this problem for a long time. A lot of information is incorrect. I cant receive a proper credit report. Ive put in an identity theft report. Ive placed fraud alerts to all three bureaus.

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 2019-11-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged with a debt that I do not owe. The collector is IQ Data Systems. I've written them several times concerning the inaccuracy of this debt that is reported to the credit bureau 's. I was laid off of my job in XX/XX/ 2013 and subsequently fell behind in my rent and was evicted from my home in XXXX 2013. I had already paid the rent in XXXX & XXXX which was XXXX I was behind fell behind in XXXX and XXXX and was evicted the first of XXXX. I put down a security deposit of XXXX dollars which should have covered my missed rent. This collection company is alleging that I owe over {$6000.00} which is inaccurate and extortion in my opinion. I don't owe anything to the rental company. My security deposit covered my back rent. I improved the home as I lived there including restoring the backyard, landscaping and repaired and stained the large all wood deck in the back of this Large colonial home. This company has manufactured this debt, it is inaccurate and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-04
Company: Midwest Recovery Systems
State: TX
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:
It HAS been thirty days, and I have received no proof of validation of this account. This goes against my rights under the FCRA. I have never had any contact with this business. I never received any documentation for the said debt from " XXXX XXXX ''. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! I asked for documentation XX/XX/XXXX and have not recieved anything as of XX/XX/XXXX. This company re reported to CRAs on XX/XX/XXXX YET DIDNT PROVIDE ME PROOF OF VALIDITY BEFORE IT WAS RE REPORTED! I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

PLEASE REMOVE TRADE FROM ALL CRAs ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.

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 2019-08-02
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 status incorrect

Complaint:
The payment history on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

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