BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I Bought a car 33 days ago from a dealership in Virginia called XXXX XXXX in XXXX XXXX. till today they did not finish my car auto loan process my car registration is expired i called them over 20 times they keep lying. every one is saying something different 2 weeks ago they said the contract has been sent to Toyota financial services i called Toyota they said they have not approved or received any contract under my name. i have an emergency back home and i need to travel i been postponing my travel for the past 3 weeks because of this. they did not pay off my car yet my previous bank is charging me late fees and interest they soon will put a late payment on my credit report. 
i called the general manager today at the dealer ship and i told him i when you will pay my car off he said we don't know i said my car registration is expired he said come pick a new one i was like this is to much and want my car back he said no. 
so they are not paying my car and they are not taking my car back. 
i do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Filed a fraud complaint with capital one and XXXX. The following account listed doesn't belong to me. 

Capital One Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Credit Card Amount {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made extra principal only payments every month since  XXXX  of  2016  totaling {$21000.00}. Every mo nth U.S. Bank  posts the principal only payment as a irregular extra monthly mortgage payment instead of Principal O nly. U.S. Bank Home M ortgage headquartered at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  has provided me with a spread sheet showing the payments and how they were applied. The history shows a payment but NO reduction of the principal balance on  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 .   I have contacte  d U.S. Bank mortgage department every month about their consistent errors but to date the issue continues.
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I am concerned that   the extra principal payments have not been applied properly resulting in additional interest expense to me.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had a dispute from buying counterfeit merchandise for " hydralic press ''. 
I had multiple disputes with XXXX due to counterfeit merchandise. When I spoke to the capital one disputes agent on the phone I told them to highlight all dhgate charges that I had an issue with. They did not highlight this particular charge for the amount of {$990.00}. Original date of charge XX/XX/2018. 

This is counterfeit merchandise and this issue should be taken care of the first time I tried to dispute these charges. After reviewing my statements at the end of the year I saw that the charge was never offically disputed, so I brought this to the attention of the Capital One dispute department. They told me that 540 days had passed so they could not do anything about the charge. Then they sent me a contradicting letter stating that I had to report this issue within 60 days. The original agent who helped me with all my XXXX disputes should be disputed this. I told them " please dispute all XXXX charges ''. Clearly they did not do their job correctly and I should be be responsible for this. 

All paperwork from dispute including my opinion, my receipt and 3rd party opinion were all sent in as requested by the Capital One Disputes department. 

The original dispute case number that was not handled correctly is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I had a secured card with  Wells Fargo  for {$2000.00} which I deposited. Then they paid out a {$2500.00} fee to disputed account and after many attempts to refund my scammed money the bank refused to issue credit but instead charged me the money and used my secured money. It 's now being reported to the credit companies as a negative account for - {$2500.00}. This is fraud and they need to be investigated.

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: Quality Recovery Services, 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: Account status incorrect

Complaint:
XXXX XXXX - Quality Recovery is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or Quality Recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: OH
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:
In XX/XX/XXXX I received a XXXX Unsubsidized loan for {$3500.00} for XXXX. Since that time, I have heard nothing from my loan servicers ( XXXX XXXX initially, and Navient ). In XX/XX/XXXX, I was sent a single email telling me that my loan was being transitioned from XXXX XXXX to Navient and that nothing needed to be done because " we will get back to you at a later date ''. That was the only email I received regarding my loan. In XX/XX/XXXX, I received a single email from Navient which was an advertisement for a different service they offered ; again, nothing about my loan. 
Now, 10 years later, I am graduating from XXXX school and undergoing mandatory loan counseling and see that my loan of XXXX has become XXXX. Upon contacting Navient, I learned that I was charged multiple late fees ( I was never informed that I had any payments due at any time since I was in XXXX school so loans were deferred ). They also claim that they had emailed me ( they had n't, I did an extensive search of my only email address ) and then changed their statement and claimed that loan servicers do not contact individuals whose loans are deferred. I have a different loan servicer for my graduate loans and have routinely received both mail and email updates regarding my current balance, so I know this is inaccurate. they were also unable to give me a reason as to why I was being charged late fees if I had never been contacted ( per their own company policy about deferred loans ). Ten years later, and I 'm being forced to pay double for something that I could 've EASILY paid off if I had been notified regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Holloway Credit Solutions
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Was contacted by Holloway Credit Solutions on XX/XX/2017 and told I had outstanding balances with XXXX medical offices and that multiple letters have been sent to me. I have received no letters and requested that the rep on the phone ( XXXX XXXX ) send me something in writing detailing what I owed and that I would take care of it. XXXX XXXX refused to send me ANYTHING in writing and demanded that I take care of the bills on that call with no proof of what I actually owed. I demanded his supervisor name and to speak with her ( He listed XXXX XXXX as a supervisor ) and he refused to give me access to a supervisor or manager of any kind.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion about inquiries that appeared on my report that I did not authorize. The instructed me to file a report with you and send a copy to them.

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Filed a fraud complaint with XXXX XXXX and XXXX. The following account listed doesn't belong to me. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: Diversified Consultants, 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: Account information incorrect

Complaint:
They will not verify the account its a secound hand account which was with XXXX which I canclled and payed my bill in full due to XXXX not keeping their contract with me about the rate I would get for 3 months due to their promo offer. 
A company named Diversified Consultant most have bought this bogus account from XXXX XXXX and they want respond or show proof of this debt being mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I would like to start by stating I am home bound and unable to leave my home. I opened an account with Wells Fargo online. I received the debit card but never received the pin. I lost online access and based on their system I need the debit card pin to regain online access. I called on 4 seperate occassions about getting a debit card pin sent to me. Each time I was told a pin was sent and resent to me please allow 7 business days for delivery. I waited patiently and it never showed up. Finally on the 5th phone call I was told I needed to confirm a pin sent to my cell phone but the system would not allow the pin to be sent at the time. I called two more times and eah time informed the system is down. Meanwhile U dont have the access I need to my money. Not to mention after telling them each and everytime I was home bound and couldnt go into the branch I was repeatedly told I need to make a way to get there. Wells Fargo is insentive to customers with problems. Finally I decided to close the account and was told the system would not allow it to be closed. Today I was finally transferred to the executive office and instructed the account cant be closed and they cant send me a cashiers check and try to coordinate something with a local branch. Mind you I am homebound. This has been an ongoing situation for at least 8 months and meanwhile fees and being deducted from this account each month for non activity. I was contacted by Wells Fargo following my recent complaint and told to send a letter which I did and those account is still not closed. Meanwhile every month account fees are being deducted.

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 2017-06-03
Company: EQUIFAX, INC.
State: TX
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 disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I visited my bank and tried to access my account on several occasions and was unable to access it even though the account was paid in full

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 2021-06-15
Company: EQUIFAX, INC.
State: MS
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 am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, while shopping on-line, I was offered {$35.00} credit on a printer that I was considering purchasing from Walmart. I could receive this credit if I agreed to apply for a Synchrony Bank credit card. I filled in the on-line application form thinking there would be an immediate approval and then be presented with a method to make the purchase. That didn't happen so I waited for a response from Synchrony or Walmart. After a few days, Synchrony called me to complete the application. When I asked about the {$35.00} credit I was assured it would appear on my Synchrony Card. On XX/XX/XXXX I  received the card, activated it and went online and purchased the printer from Walmart. I Checked my account and discovered that I had not received a credit. Consequently, I called Synchrony Bank and told them I didnt have the {$35.00} credit on my account. My inquiry was forwarded for resolution. On XX/XX/XXXX I received a form letter stating that my claim was denied for one of the following reasons : 1. The transaction amount does not meet promotional requirements.

2. The transaction amount did not occur during the promotional period.

3. The type of merchandise purchased was not included in promotional offering. 

I called Synchrony Bank for an explanation and was told that my claim had been denied because I had three days to make my purchase after the approval of the card. I responded that I had no Idea that there was a three-day limit and that I wasnt apprised of the three-day limit when I placed my application for the card. Furthermore, it took longer than three days for the card to arrive in the mail after approval. I was then told that I had been contacted and given a password that would allow me to make a purchase without the credit card. NO SUCH CONTACT WAS EVER MADE. My claim was then forwarded for further determination. I was advised that it would take one to two weeks for a determination. Today,  XX/XX/XXXX, I received the same form letter that I had initially received denying my claim. 

I applied for the card in good faith expecting to receive a {$35.00} credit on my purchase but Synchrony has decided to stipulate additional terms to our agreement after the fact and without my consent or knowledge. I am sure that this has happened to others in my situation and Synchrony Bank should be held accountable to me and others whove had the misfortune of doing business with this company.

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: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX.-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Affirm Holdings, Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I connected Affirm on XXXX about a collection that they have on my credit report. The agent stated to me that I have a loan from them through XXXX. I advised the agent that Ive never had affirm. He advised me to contact XXXX. I did. I called XXXX and the agent stated that they have no records of me purchasing anything. I have on a recorded stated from XXXX saying this. I also have a recorded stated by Affirm stating that XXXX is who I have an account with. I would like Affirm to delete and remove this from my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This XXXX, we applied for a HELOC and were turned down because of a problem with our title. A copy of a letter describing the problem is attached. The lawyer who did the title search indicated Bank of America could solve the problem in two ways. Bank of America refused to provide the requested documents.

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