BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 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 2023-01-02
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged student loan servicer Navient and customer service was horrible. They are robbing, badgering my credit with no explanation on an erroneous alleged closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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:
XXXX account, XXXX XXXX  XXXX inquiry dated XX/XX/2021 and XXXX inquiry dated XX/XX/2021. 

Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: FL
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:
Company switched me to paperless billing. I did not want this, nor did I receive any bill thru e-mail. X/XX/2017 Received notice via mail that account is XXXX payments past due. Called the phone number on letter and paid amount in full via electronic check. Company refuses to admit their mistake / credit me for the late fees & interest associated with 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 monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NY
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:
Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the XXXX app and found XXXX alerts ( XX/XX/21 credit inquiry from XXXX for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from Equifax for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called XXXX, Equifax, XXXX, and XXXX XXXX the morning of XXXX XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX  store and learned my phone number was highjacked and a fraud alert was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
- On XX/XX/XXXX, my wife and I went to the car dealership Toyota XXXX ( located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) to buy a used car ( a Prius from XX/XX/XXXX ). 
- We went in with an approval letter for a car loan from XXXX XXXX XXXX : a loan of XXXX $ ( the price of the car ), with a 5 % APR over 60 months ( and no down payment ). 
- The XXXX salesman told us that they would run my credit score to see if they could beat my XXXX offer. So they ran my credit score and they checked with their financial service to see what offer they could give me. They came back with the offer of a XXXX $ loan, with a 9,9 % APR over 60 months, after a down payment of XXXX . 
- Therefore, we aggreed to sign a contract with their offer ( in case XXXX did n't give us the loan ) and we gave them a XXXX $ check for the down payment. When we were signing the contract, they even said this contract is just in case you do n't give us the check of the loan you expect from XXXX. 
- A week later, XXXX called us to tell us that they changed their mind and that they would not give us the loan. We tried for three weeks to get this loan with UME, adding my wife on the loan and providing additional paperworks, but XXXX refused. 
- So we called Toyota and told them that we will honor the contract they established - with their financial service - based on my credit score, and that we will send them the first payment on XX/XX/XXXX, as specified on the contract. 
- This is when Toyota told us that the contract that we signed was optional and that we needed to come back to their office in order to sign a new contract, with a higher APR. 
- We read the contract many time and we even talked about it with a lawyer friend, but it is specified nowhere that the contract is optional. Plus, the offer ( and the APR ) they offered us in the first place was already based on my credit score and profile. It was approved, on XX/XX/XXXX, by their financial service before we signed it. 
- Toyota called us again. When we said that we could not see anywhere that the contract was optional and when we asked them to provide us legal proof that we had to sign a new contract, the Toyota salesman said we have been fair to you so now you have to be fair to us and come sign a new contract. When we insisted on seeing a legal reason to do so, he said that he would transfer us to his superior ( which he did n't ) and threatened us to repossess the car before hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Today I attempted to pay off a loan with BB & T on their website ( {$8200.00} ). Though that amount was a payment option, it would not let me pay that amount. I received a message that for payments greater than {$1000.00} I would have to call, which I did. After several frustrating minutes wading through a voice prompt system, I was finally prompted to enter my payment information. After entering the information, I was notified that I was being transferred to a human being. After remaining on hold for several minutes I was told that I could only pay {$5000.00} over the phone, at which time I asked to speak to a supervisor. Again, after remaining on hold for a few minutes, I was told the same thing by this supervisor, who refused to transfer me to a higher supervisor. I explained that this was unacceptable, but then said I 'd make the {$5000.00} payment today and the balance tomorrow. At this time she said she could n't log into the system to do it, and put me back on hold. Totally frustrated, I hung up. So, I 'm now being charged additional interest on a loan I simply want to pay off.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: IL
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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 explanation
Consumer complaint received 2019-08-08
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED, XXXX, XXXX XXXX XXXX, XXXX, Inquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX AXXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 2017-04-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hello. I am writing a complaint regarding the American Express Blue Cash Everyday sign-up bonus in which if you spend {$1000.00} within 3 months, you get {$250.00} back. I opened up my blue cash everyday card XX/XX/2016 because of that sign-up bonus and did spent more than {$1000.00} within 3 months, actually I spent more than {$2000.00}. However, I still have not gotten anything. It has been a year, so I decided to chat them starting this XXXX and they are keep saying that it is being researched by the specialists and my request is still pending. Every time I chat with them, they always tell me to come back in couple days to check if it has been approved or not, but every time I come back and ask, they would tell me it is still on pending and they are working their best to find out. No notifications whatsoever. As of today, still, they are still working on my sign-up bonus in which they would never tell me. I would like to get my {$250.00} sign-up bonus. that was the only reason why I signed up for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
AD Astra Recovery is claiming I owe {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My card was compromised in XX/XX/2021. I called the number on the back of my card and reported the charges as soon as I noticed. Several days later, I noticed additional charges that posted and had not seen any communication come through from the credit card company. That XXXX told me that I reported it incorrectly and then sighed repeatedly as I listed off the fraudulent charges. Since then, they have notified me that they investigated the charges and found them to be valid, therefore, I must investigate and contact the merchants for documentation so that I can prove that these charges were not made by me. They actually said to me, " you have to prove to us that this wasn't you. '' I am XXXX months XXXX  and do not have the time or money to do my own investigatory work. One of the charges was made at a gas station - I do not even know how to begin to call the gas station to ask them to help me prove that I've never been there. 

Please see the charges below along with notes : XXXX XXXX XX/XX/2021 {$370.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$21.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$300.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX  XX/XX/2021 {$91.00} - I've never shopped with this merchant. 
XXXX XXXX XXXXXX/XX/2021 {$46.00} - I've never shopped with this merchant. 
XXXX XXXX  XX/XX/2021 {$76.00} - I've never shopped with this merchant. 
XXXX # XXXX XXXX XX/XX/2021 {$32.00} - XXXX believe this is a gas station in a different state.

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 2017-04-13
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like this debt to be verified. I do not have a contract with Phoenix financial service in I would this debt to be Verfied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on mortgage payments due to the pandemic causing unemployment in the household. However, we have since resumed payments as of XX/XX/XXXX. 
We followed through with a modification application and were denied with 2 separate reasons, all of which were not communicated to us. Since the start of the modification process we had to diligently follow up with Wells Fargo on a weekly basis as they failed to communicate effectively among other things. 
While continuing to make timely payments we kept attempting to resolve the pandemic arrears. However, Wells Fargo failed to provide any assistance, and in fact kept insisting that we pay the entire {$23000.00} arrears in one lump sum! They cost us a refinance as the payments made since XXXX were not being reflected towards current payments. Therefore, the XXXX said they could not approve the loan without a year of current payments, but would if arrears had been added to the end of the loan, and payments were current all of which should have occurred. Needless to say, Wells Fargo would not assist in this or any regard. After several months of fighting with them to provide some type of assistance or re-payment plan, the loan went to underwriting yet again in mid XXXX to see if another modification application would be approved. I strongly believe this was a half attempt to appease me as they had no intention to provide any type of assistance, and was right. Today it was learned that the second modification was also denied! However, the decision was made on XX/XX/XXXX and I just called to follow up on XX/XX/XXXX as was told it was still pending! Wells Fargo has no clue how to conduct business and is deceptive in many, not to mention they are fraudulent. I have been calling them on a weekly basis to check the status and have been told a different story each time! The explanations went from they need additional documents, we have 7-10 business days for a decision, we have 21-30 days to make a decision, the last representative misinformed you, or the date it went to underwriting changed altogether. The explanations for denials went from the house  is not a primary residence, we make too much money and now we cant afford the mortgage! Which is absolutely absurd, because before the pandemic, payments were current and always had been!!! They would rather the house go into foreclosure instead of providing assistance of any kind! Foreclosure this is simply not an option, as I refuse to have my credit and financial stability ruined due to their negligence and incompetence!!!

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 2017-06-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX / XXXX / 2014   TD BAN K OVERDRAFT ACCOUNT ABUSE IS NOT TRUE THIS ACCOUNT WAS PAID THE AMOUNT WE AGREED UPON IN ORDER TO REMOVE THIS ACCOUNT OUT OF COLLECTIONS. SO I DO NOT UNDERSTAND WHY IT IS SHOWING UP AS ACCOUNT ABUSE AND OVERDRAFT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I deposit a check drawn on XXXX {$7000.00} into my TD Bank account. A few days later the funds posted and I attempted to make a withdrawal, the Teller informs me that the funds are on hold. I disputed and she investigated. The TD Bank Teller informed me that the funds had been reversed and that XXXX was not advancing the funds. I prosecuted the check writer on yesterday for bank deposit fraud. After reviewing my statement the {$7000.00} funds did post to my account but there was an unauthorized withdrawal in the same amount without my permission. Subsequently my account was closed. I want to pursue every remedy against the Bank to recover the {$7000.00} funds XXXX

Company response to consumer: Closed with explanation