BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NV
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 is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
Citibank refused to provide credit card for Costco membership, statements from XXXX account transferred to them, credit card, account number or any information about account since the change from XXXX to Citibank happened in XX/XX/2016. They apologized and promised to fix the issues but never did, and literally alerted me that this very long delay and lack of payment was not going to affect my credit score since would not be reported as delinquent account, because it was Citibank who failed to provide all the necessary information, account, statements and card. But today i found out they actually did report account as delinquent totally undermining my credit score, plus adding hundred of dollars of fees and charges and on interests for the time they did not allow me to have any access to account they created and never allowed access to. I have also been told they have closed account and will continue never to receive any of the executive membership I pay for to Costco. 
Costco does not care and refer me back to Citibank not taking any responsibility for it. I do have phone call records as evidence of Citibank staff making false statement, including they alert that my credit score will never be affected/issue thy created reported. 
I can provide these records as necessary.

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 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed multiple disputes. 
XXXX has retroactively removed positive payment history and changed it to negative. 

In XXXX they reported XX/XX/2023 late, after the account was XXXX 'd out in balance in XX/XX/2023. I disputed, and had an attorney send a demand for arbitration. After 30 days, they responded, stating bank error and correcting information. Now in XXXX, they are reporting a 30 day late payment in XX/XX/2023, while the account had been XXXX 'd out in XXXX and no payment was due in XXXX or XXXX. 

The company responds slowly, continues to make false changes to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 put in a dispute with trans union regarding a derogatory item on my credit from XXXX funding. The dispute was submitted in XXXX. Im not sure of the exact date, and I cant get any information from the TransUnion website. The site is always experiencing errors. The company XXXX funding violated my credit rights. They used fraudulent deceptive tactics. They took advantage of me. Because I missed a payment. Led me to believe that if I paid {$50.00} they would resume my payments plan. After they took the XXXX out. They came back and told me that they would not be able to let me keep my payment plan. Yet, they continued to take money out for the plan. Trans union has refused to remove this item off my credit report. Even though XXXX is in violation.

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 2023-02-17
Company: EQUIFAX, INC.
State: MI
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX I receive a letter from Toyota Financial Services indicating my request for Extension on the unaffordable monthly payments of {$480.00} until XX/XX/XXXX as I was trying to trade my XXXX XXXX XXXX at the XXXX XXXX in XXXX California unfortunately Toyota Administration doesn't want to Acommondate me on my XXXX XXXX Act under Department of Justice. 

Now Toyota Financial Services Administration are Retaliating against me as I filed many Federal CFPB complaints against them and wants to Repo my vehicle and ruin my credit and credit scores by reporting to XXXX, XXXX and XXXX. 

I respectfully seeking a affordable payment of around {$300.00} a month no higher than this as I can only afford {$300.00} to {$330.00} monthly payments. 
XXXX XXXX XXXX is at {$14000.00} and XXXX, California will not pay Toyota Financial Services {$23000.00} as car value on XXXX XXXX XXXX has decreased. 

Also, I didn't authorize or gave Consent to Toyota Financial Services to pull my credit for a Retail Extension I was provide with a Extension on XXXX XXXX according to evidence on various filed complaints against Toyota Financial Services Administration. 
CFPB filed complaint on XXXX XXXX and back around XXXX XXXX with CFPB Complaints Case # XXXX ... ( File case # XXXX on XXXX XXXX CFPB case # XXXX I am been Retaliated and Discriminated by Toyota Administration because of my National Origin XXXX XXXX  American and my XXXX Status. 
I am respectfully XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran. 

Toyota Administration and XXXX are in violations of Federal and State Laws.and violations of my XXXX XXXX  Act under Department of Justice.

Toyota doesn't have the right to pull my credit for a payment Extension and XXXX  allowed them to do it and I didn't sign no documents for a credit pull. 

Toyota Administration denied Extension. 

Does Toyota Administration has a business partnership with XXXX, XXXX  and XXXX? 
I am respectfully requesting a Federal Investigations against Toyota Administration and XXXX XXXXmmediately. 
I will send a email to US Senator XXXX XXXX  on this Retaliation and Discrimination of Toyota Administration and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During this Covid-19 pandemic a better plan needs to be implemented to assist homeowner in this trying time. 

A Loan Forbearance DOES NOT HELP!!! 

A loan DEFERMENT is the very best solution!!! 

How can the mortgage companies expect you to make full restitution after the forbearance period when you have not been working a do not have the funds accumulating to pay the account. This is another indifferent application by the mortgage companies to give false hope to the homeowner. Please stop the mortgage companies from implementing this practice or option. 

A deferment helps everyone involved. The banks get their money at a different time and the consumer gets the proper relief needed to get back on their feet. 

Please give this dire situation all the attention it needs Many Thanks 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 2022-03-29
Company: Dynamic Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls when asked to call back after I was off work. Attempted to end conversations politely, as I was at work and can not take personal calls except emergencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: Mobiloans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received monies from these companies, paid them in full I thought ...!! They continued to withdraw money from my bank account even after I ordered them to stop. They caused me great hardship. I paid them off early trying to avoid the high interest rate. So the unauthorized withdrawals by the payday loan companies continue until I was force to close my account. Because of this I had to actually get a XXXX debit card for my direct deposits of my bi- weekly pay. It wasnt until I tried to get a financing for a home did I see the fraudulent entries on my Credit File. As the CFPB has successfully sued XXXX XXXX XXXX ... I am involved in that settlement ... I have asked for monies Owed and now a complete DELETION OF ALL THREE TRIBAL LENDERS OFF MY CREDIT FILE .... MOBILOANS ... XXXX XXXX LENDING AND XXXX  XXXX ( after the court case ... they did mark my credit file as PAID IN FULL. Please delete these 3 fraudulent entries on my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-08
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Was bank used by social security to work with funds security, Funds are not being able to be with drawn. Co merica is supposed to be care taker for dispersing my social secuiry funds. This bank is not partaking in this dispute process. Not listing with this disputing agency. 
This bank uses Comerica to issue funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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 information incorrect

Complaint:
Experian has 7 hard inquires that aren't mine. It is done through fraud. 

XXXX has 18 hard inquires that are complete fraud. 

XXXX has 2 hard inquires that are complete fraud. 

They let companies use inquires to make money. I have not applied for any new credit in 4 years. So these all have fraud issues and take customer service overseas and destroy are laws.

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 2020-03-23
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/XXXX I contacted my current mortgage service company, NewRez, LLC to inquire about current interest rates because I was thinking of refinancing. The person I talked to, XXXX XXXX XXXX # XXXX asked of our names, social security numbers, and some other info. I assumed this was to see what type of credit risk we are ( both XXXX scores north of XXXX ). He said he would research and get back to me. The next thing you know I received an email with a link to sign Initial disclosure forms. I immediately emailed XXXX and reiterated that I DID NOT APPLY for a loan but was merely inquiring about rates. He replied not to worry, that it was just their system automatically responding to whatever he did internally. He said just ignore it. Fast forward to XX/XX/XXXX and we received paper copies of the Initial Disclosure documents in the mail. I want this whole file expunged from their records, any detrimental affect on our credit reports to be cleaned up by them, and for this to have no effect on our current mortgage. I feel, that I was lied to, mislead, not listened to, and handled in a most unethical way. I have attached the cover letter I received for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked Experian to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.

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 2021-04-12
Company: C/C Financial
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:
Creditor : Preferred Lease XXXX XXXX XXXX XXXX, TX, USA XXXX I am a victim of identity theft. I recently learned that my personal information was used to open an account at Preferred Lease. 

On XX/XX/XXXX, I received an email from XXXX alerting me of a new installment account from a third-party lender called Preferred Lease. I logged into my XXXX Account confused, as I have never heard of this lender and never done business with them. I opened the alert in my XXXX account and saw a {$6000.00} installment plan. Further research, calling the phone number provided for Preferred Lease uncovered the following details : The lender, Preferred Lease works with XXXX XXXX XXXX and other furniture retailers to provide furniture on credit. 

XXXX XXXX XXXX and Preferred Lease failed to properly identify this person 's identity prior to approving her loan. While she does in fact possess forged documents of my personal identifiable information bearing my name and SSN, she submitted a photo of her method of payment covering her own name on the card, and the delivery address and billing address she provided did not match the address on my license, which should have been cause for additional verification of her identity. Preferred Lease has ignored my request for resolution of this matter.

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 2023-03-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently traded in my old car for a new one getting the difference from the dealership company to take home. After depositing my check online, it was on hold 11 days. And after the 11 days my account is restricted and cant access the funds because Chase cant verify the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had 3 loans from Sallie mae/navient since the mid 2000 's. Each were taken out for XXXX. Since then I have been paying on them when I could even though they were in deferment. Once I had a career I started paying monthly plus adding extra payments while I could, this has been for over 3 years now. I still owe close to XXXX. I dont understand why my loan amount is not dropping. I have called several times over the years to see if I could get the interest rate down and ask how exactly my payments are being used to my accounts. I have not been able to lower the rates they've actually have gone higher and I recoeved no real answer to why my loan isnt really going down. Would like some help to relieve me from this huge debt and headache. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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 closed my account and threatened, and is apparently following through on a threat to report me to XXXX  for CHECK FRAUD because a check from my XXXX account to me bounced due to the fact that XXXX refused to pay on the check.

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