BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: State Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pay XXXX {$250.00} a month on a payment plan between my son and I. On numerous occasions, I would get excess bills or told I owed more than once in a monthly cycle. They take the money directly from my account automatically. Not once have I received a bill for what the collection agency is trying to say I owe. When I call XXXX, they stated I owed 3 different amounts and all went to the collection agency. When I look at the statements, none of them reflect the charges. I only received one bill from collections yet they state their are 3 different ones. If I am paying on a plan with the same company and have been for two years straight, how is it possible they can do this? I call and ask for statements showing the amounts and that they sent them to me. I still have no statements, no calls, no emails and nothing on my XXXX app showing the amounts. This should be completely illegal. I am a newly single mother with no help from the childs father.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently check my credit report on XXXX and came to learn the there is a credit card listed on my report. It was supposedly opened in 1998 when I was XXXX years old. It has a credit limit of $ XXXX and a balance of a little more then $ XXXX currently. I did n't open this account and neither did any of my family members. It is listed as an account at Citi Bank. However when I spoke to CitiBank 's credit card department and gave them my social they said the account did n't come up. So somehow it is listed as my credit card but is n't listed under my social security number. And the weirdest part is someone other then myself is making monthly payments. Someone is paying the card minimum of around {$300.00} and something dollars a month. This is really hurting my credit and I do n't Know how to resolve this issue. Please Help! Thank you for your time. Have a great day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I have a Home Depot credit card through XXXX, and I have opted for online statements. I have a balance on it, and I have an overdue payment. The payment of {$55.00} was due XXXX XXXX, so I am two weeks late. On XXXX XXXX I went online to schedule a payment. The online statement showed {$130.00} due on XXXX XXXX. The amount of {$130.00} includes the XXXX payment, a late fee and the XXXX payment. I scheduled a payment of {$130.00} for XXXX XXXX. On XXXX XXXX Home Depot blocked my online access and shut off my credit card. I had no notice of this action until I attempted to use the card to purchase supplies. The store was unable to access my account, and I am no longer able to access my account online. The cashier called the credit line and I spoke at length to the Credit Dept representative. I have additional credit available on my XXXX credit card, and I have a payment scheduled in 3 days for the past due and the current amount. But I ca n't access my card online, and I ca n't use the credit that 's supposed to be available to me. I told them this is an unreasonable policy because 1. the statement merely says that the past due and current payment are due on XXXX XXXX, and 2. they already charged me a late fee on that statement. The statement gives no information about shutting off access to credit. I 'm trying to run a business and need these supplies immediately for a major event in two days. Is this policy legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Lenox Financial Mortgage Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I responded to a radio commercial from Lennox Home Loans in late XXXX and it offered a no closing cost loan. I applied and was eventually approved for a loan, but neither the Loan Estimate nor the Closing Disclosure itemized the {$100.00} x 2 recording fees for recording the discharges on the 2 existing mortgages that would be paid off with the proceeds of the new loan. 
I asked Lennox for assurance that the discharge recording fees were included in the LE and CD disclosure documents, and Lennox represented that they were included. 
My loan was closed in XXXX, but it turns out that the 2 discharge recording fees were not included in the Loan Estimate, the Closing Disclosure or the Lender Credit that was supposed to pay for all such expenses. 
The attorney who closed the loan at my house emailed Lennox after the closing asking them to forward the discharge recording funds {$100.00} x 2 to him. He is the one who ordered the loan payoff numbers and he had the lenders send the original discharge documents to him for recording as is customary in a mortgage refinance transaction. 
Lennox Home Loans has still not sent the {$100.00} x 2 funds to their attorney despite their assurances that the discharge recording funds were accounted for in the Closing Disclosure and that the 2 discharge documents would be recorded. 
I have all the emails to back up my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Sony XXXX visa credit card and within few days my application was denied due to a fraud alert in place and this bank wants to me remove the fraud alert on my XXXX  credit report and a hard inquiry was in place by the bank and this bank wasted my time and I cause a credit point loss on my credit report ..and I dont have anything bad on my credit report and I would like this bank to either remove the inquiry or I can reapply ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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:
XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax via mail and phone requesting the removal of the inquiries that I didnt apply to. Equifax informed me that they are accurate and will remain for two years. I did not apply for credit to the companies listed with the exception of one for XXXX XXXX and that company is listed twice on the credit file. I have not received documentation for verification of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX. I have opened up Citi XXXX Checking Account. After I opened the Account, Citi Bank sent the Checks and Debit Card. After my Debit Card was activated, I had transferred {$50000.00} from my other Bank to the Citi XXXX  Checking Account on XX/XX/2021. The amount was showing as Pending on that day. When I logged into my Citi Account on XX/XX/2021, the Citi XXXX Checking Account is showing as Blocked. I tried calling Customer Service so many times but none of them are helping me out. All the Customer Service Representative said, " You account is blocked and they can't help '' and hung up the phone. I am absolutely terrified with the type of service Citi Customer Service has provided. I am going under lot of stress as Citi is not helping to resolve the issue. I want to escalate this issue to Citi Bank officials but I do not have the contact. At this point, I want the Citi Bank to provide my money back.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The credit bureau stated my account was properly investigated, but how is that possible, if the open data is inaccurate, the date last accurate is inaccurate. This ground for removal the also violated my rights under 15 u.s.c 1681 section 602 A. States I have the rights to privacy.

15 u.s .c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
Also the credit bureau took me 30 days to complete my investigation here is my certification certified mail 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 non-monetary relief
Consumer complaint received 2021-12-21
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:
XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed

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 2021-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called by Portfolio Recovery on XX/XX/21 About an XXXX XXXX Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the XXXX plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Any issue with Navient regarding student loans is of great concern, because when I notice a Navient action that is incorrect and fraudulent, there is a high degree of certainty that the systemic and persistent errors are also being applied to XXXX student loan borrowers with XXXX dollars in student loans. 
My Dept of Education loans are in deferment, and I simply wish to make small payments during the deferment period in order to pay down the accrued interest so that a large amount of interest is not capitalized ( adding to the principal balance on the loan ) at the end of the deferment period. 
I am being prevented from making payments towards accrued interest. 
In every document that I can find, payments on student loans are supposed to be allocated first to fees, then towards interest, and then only then towards principal balance. 
I received the following response from a Navient Customer Service agent : " Our records indicate the loans are in an unemployment deferment until XXXX XXXX, 2017. The federal government pays the interest that accrues on any Subsidized Stafford Loan during deferment periods. Loan XXXX is subsidized, therefore, there is currently no outstanding accrued interest on this loan so payments are being applied to the outstanding principal balance. Loan XXXX is unsubsidized and there is currently {$90.00} in outstanding accrued interest, therefore, payments are being applied to the outstanding accrued interest. '' The statement above is inconsistent with the payment allocation rule. 
My payments during the deferment period should be applied towards accrued interest first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed an identity theft report and provided all documents needed to submit a complaint and have an investigation done correctly. i received a notice that my case was closed without receiving any results from the investigation. I am extremely disappointed and starting to feel symptoms of XXXX. The items are still on my credit report illegally by law you should remove any accounts under investigation and they were not removed at any point.

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Back in 2014 Bank of America I contacted Bank of America regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Bank of America has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 and XX/XX/2021 my credit got ran for a XXXX credit card ( XXXX card ) and on XX/XX/2021 my credit got rand for a capital one card ( CAP ONE NA ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage Servicing Corporation XXXX XXXX purchased Lender-Placed Hazard Insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX said the XXXX Policy Number XXXX is not valid. The XXXX Policy Number is found in the Mortgagor 's Notice of Insurance ( Evidence of Insurance Coverage Placed ) from RoundPoint Mortgage It shows XXXX XXXX as the insurance company. I have contacted XXXX XXXX XXXX and RoundPoint Mortgage many times without resolution. 

For further information see complaint # 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 2016-11-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My mother in 2007 when I was XXXX XXXX XXXX obtained a Wells Fargo credit card under my name. I had no knowledge this was under my name and Wells Fargo allowed a debt to be opened in someone's name without their knowledge and also my mother is not a XXXX XXXX speaker they took advantage of her asking if she had any adult child she wanted to make an account for. This was around the same time they had a scam to open as many accounts as possible and mine was one of them which the CFPB sued Wells Fargo and forced them to pay huge fines for this type of behavior My mother has been paying that debt which I had no knowledge off because I did not open the account and I don't use my credit for anything up until recently when I checked my score and my report to find that Wells Fargo has been reporting me on a Charged OFf account - They never called or wrote me anythjing to allow me to resolve the issue they simple reported me as a charge off. I only found out due to accessing my free yearly credit report which I only did recently and hadnt noticed this account ever in the past due to it being in good stannding. now that its a charge off I was still never notifgied by Wells Fargo about this account and its negative standing in order to resolve it. 

when I try to call I get conected through general customer sertvice, they tell me that they have to transfer me to their legal department ( XXXX ) they leave me on hold for hours, then someone answers, says they cant hear me and hangs up. This has happened about 15 times now from multiple phone lines and I am losing time and income dealing with them since they are only open during regular business hours XXXX while I am also working. 

this is discrimination as they took advantage of my XXXX mother who didnt fully understand XXXX and they got her to open the card in the first place without my actual permission and I was so young I didn't know until I am not older and trying to use my own credit.

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