BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Reference Toyota Financial : Loan number XXXX question is, I have been paying extra on my car loan since we purchase the car in XXXX XXXX XXXX XXXX. The question I have is my payment is XXXX and my loan payment will be down to approximately XXXX because I have been paying around XXXX per month since about XXXX4 months ago. I talk to Toyota financial today XXXX XXXX/XXXX/XXXX ) and ask them the question of where does the extra money over and above what they credit the amount for example in XXXX they will credit XXXX out of a payment of XXXX and the answer is they carry that overpayment forward and I ask why do n't they apply some to the interest, and the CSR stated on we do n't have to so that leaves the question of why is n't the full amount applied and the interest payment credit because soon I will be in a plus stage of over payments on the car and evidently the extra ( my ) money is setting there accuring interest at Toyota Financial for every overpayment I am making. They also informed me that they could not take extra payments on interest, I would have to send them via mail to a XXXX, IA address because they handle the interest payment and I ask them for a print out of my payment history and they stated all we can do is mail a copy of the original loan agreement to me? The question remains, is the way they are doing there books correct or is it incorrect in terms of applying payment and interest, and letting the extra money set in there acct until eventually there will be enough accumulated to pay off the car ahead of time? Please advise and if you have any questions and do n't understand please email me at XXXXXXXXXXXX or call me and leave a message. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I previously opened a complaint against Capitol one. They have been holding over {$4500.00} for months. They said when all disputes are closed on my account they would close my account and release the money. I received notice that the final dispute has been closed and they havent made any effort or intention to move on to closing my account and giving my money back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THIS ACCOUNT WAS APPLIED FOR WITHOUT ME KNOWING

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 2022-04-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX  acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX  Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Orion Capital Solutions LLC
State: PA
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:
On XX/XX/21 at XXXX I sent an email to Orion Capital Solutions requesting that they cease all phone contact with anyone regarding this issue and requested that all communication occur in writing. I followed this up with a phone call to XXXX at approximately XXXX. I spoke to XXXX at extension XXXX and was told that my written request was received and that no more calls would occur. At XXXX I was contacted by a third party that XXXX had just left them a voicemail asking for my " location information ''. This is a clear violation of the FDCPA and I am entitled to relief.

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 2020-03-27
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:
The accounts on my credit report are unverified and unauthorized and the credit bureau continues to report this information

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 2022-10-02
Company: EQUIFAX, INC.
State: WI
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
XXXX, XXXX and Equifax reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: NC
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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I had a lease agreement with with JP Morgan chase for a XXXX XXXX XXXX that started as of XX/XX/XXXX of XXXX with an expiration date of XX/XX/XXXX of XXXX. Due to COVID restriction, my due date was extended to XX/XX/XXXX. I returned vehicle on XX/XX/XXXX to the only dealer I was able to find with no available appointments and dealer was out able to precoces return until the XXXX due to lack of resources working at the dealer at that time. 

On XXXX I reached out to JP Morgan Chase Auto Finance to try to negotiate pay off amount to purchase the car with an estimated value of less than {$7000.00}. Chase Auto Finance refused me the option to buy the car instead forced me to turn in the vehicle immediately to the closes XXXX dealer. 

Due to COVID restriction, holidays and limitations, there were no dealers taken returned lease cars. My account was paid in full for the 54 months I owned the lease agreement and even though i was rejected to buyout the XXXX XXXX car, i requested to have an extension to return vehicle due to issues with finding an open appointment with a XXXX dealer to return the vehicle. I had to travel out of state to get a dealer willing to take in my lease. 

Now, Chase is trying to collect extra fees for NOT finding a dealer to intake return leased vehicle which is out of my control. Chase representatives and managers refused to grant an exception due to Covid restrictions and want to charge my a full month of fees when I was not able to find a dealer. I have no control of Covid pandemic and government restrictions and I should not be charged for a full extra month when Chase was the party refusing me the option to purchase car or extend lease. 

I need assistance by investigating this issue and for Chase to stop trying to collect extra unfair fees for a vehicle that was not in my position for a full month. No one has control on this COVID pandemic and shouldnt have the negative imposition to take advantage of this situation to collect additional fees for governmental restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an email from Citicards XXXX XXXX stating that my account # XXXX will be closed as of the expiration date on the card which is XX/XX/XXXX. Just got off the phone with them, talked to customer service, the client focus team and an account manager to try to set up a payment plan with a lower interest rate. Was told there isn't one available. I then spoke to customer service to close this account as of now and was told firstly that the card is already closed and has been sent to the credit bureau. I asked what about the letter i received and was told in is in the process of being closed. I was then told I can't close the account. Since it is in the process of citi closing it. So instead of the credit bureau seeing that I closed the acct it will see that it was closed by the credit card company which would lower my credit score. That seems illegal to me, a customer should be able to close their account at any time. I have made all my payments and I am not in arrears on any card. I then tried to close my remaining card with them and was told I needed my pin, never has to use one before this. They said they would text my one. Then I was conveniently disconnected. I have been trying to raise it since the end of XXXX at which time I had emergency XXXX XXXX XXXX and wasn't able to work for 6 months.

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 2017-01-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account in my credit report that is seven years old and has not been deleted yet. 
I would like Equifax to investigate and delete the derogatory XXXX XXXX account due to it evening seven years past the last delinquency. 
Equifax also will not let me enter online into their dispute area after I have answered all of my security questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had credit issues and my credit score has been very low over the past 2-3 years. The entire time I have had a credit card with Chase bank and they have never decreased my credit limit. I now have a new job, making $ XXXX a year and started paying down all my debt and improving my credit score ( this is the best it was been I. Years ) but chase lowered my credit limit without an advance notice stating it is based on my credit worthiness and is at their discretion. However, my score is better than it has ever been and makes zero sense. Tried calling chase multiple times and either get my call Transferred to a holding zone for 30+ minutes with no answer get hung up on. 
They tell me they can increase or give me more credit but I have to do a credit line- why? It feels predatory or like they are forcing me to take out new credit. Which makes ZERO sense if they lowered my limit based on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
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:
on XX/XX/2022 i paid off my XXXXXXXX XXXX  & credit score went up XXXX XXXX, Then on XX/XX/2022 i paid off my XXXXXXXX XXXX XXXX card {$4400.00} & my credit score went down XXXX XXXX, This credit reporting agency is equifax. i was turned down for a credit increase because of it.equifax is a rotten crooked organization, they make money when your score is bad, I plan to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have had unauthorized account debits from a rental car company, XXXX located at XXXX XXXX XXXX, which is now over {$800.00} when my confirmed quote was for {$51.00} total. I have just had XXXX XXXX, and am being robbed by not only the rental car company, but also the credit card issuer Capital One, as they are of no help whatsoever. I would like to file a formal complaint against XXXX, and now Capital One, as what is happening to me is illegal. infact Capital One just argued with me to no limit, and I was assaulted over the phone by XXXX. Again I am recovering from neurosurgery at XXXX XXXX XXXX, and I am reporting credit card fraud, and failure to resolve credit card fraud. I am the consumer in the situation, and I see no other option than to contact the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Nelnet, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had several loans with the Department of Ed/Nelnet. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over XXXX XXXX XXXX and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/Nelnet and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit accounts are unauthorized and need to be removed from my credit report immediately.

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 2016-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I had purchased a copy of my credit report about 3 months ago and noticed an account from a company by name of capital one that did not belong to me. I immediately contacted the credit bureaus and notified them and had done ftc report and did an identity theft. as of this date capital one has not done anything to resolve my issue, that 's why I am here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I called the  XXXX  representative about the interest charged during CY   XXXX  . I pay more than the minimum balance each month and I am being told that a 6 month promotional offer expired and I was charged interest for not paying the card in full in addition to the revolving balance I carry each month. The representative says the card works this way as any no interest term offer is automatically offered to members and interest is charged if not paid in full and is indicated on statements. I paid a total of {$670.00} to date in  2017  and was charged {$420.00} in interest. Please investigate.     Thanks,  XXXX   XXXX   (  personal cell )  XXXX  ( office cell )

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 2016-09-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
When I log into the Chase Sapphire Visa website, the total " Pending Charges '' amount displayed is inaccurate. If you add up the itemized pending charges, they total more than the " Pending Charges '' amount displayed by Chase. For example, on XX/XX/XXXX, the web site displayed my total " Pending Charges '' as {$730.00} but the itemized charges listed below that number actually total {$1700.00}. Please see attached screen shot. I contacted Chase about this issue at XXXX on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact XXXX. I am contacting the FEDERAL TRADE COMMISSION INSTEAD due to the misrepresentation of XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact DEBT RECOVERY SOLUTIONS.

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