BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
State: TX
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:
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: CT
Product: Credit 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:
Holds from car rental companies totaling XXXX have not been returned to my available balance. XXXX hold from XXXX XXXX  has been sitting, since on my available balance since XX/XX/XXXX. This company is usually reliable, but something has dramatically changed.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Early XXXX, Capital One closed my Walmart credit card which had a small credit on it. 
I immediately called Capital One to inquire. They told me it was closed on error and they would look into it and I would receive a call in 7 to 10 days. I called back about every 2 weeks and always got the same response that Cap One would call me back in 7 to 10 days. 
To date Capital One has never called me. 
On XX/XX/2022 I called Capital One again, and this time they informed me that it was closed because I requested it close. I offered to provide full medical records as only someone with psychiatric issues would close an account then call 6 times to inquire why it was closed. 
On the XX/XX/XXXX Capital One informed me they had sent a check for the credit about a month prior. Unlike the 5 promised return calls, this was also not done. They told me they would overnight the check as well as a detailed explanation. I did receive an overnight package but with no check or explanation, but generic information about my card. 
One of the items included was a copy of the contract which stated if money is owed at the end of a billing cycle, a {$39.00} fee would be assessed each month.. 3 billing cycles have now passed and not only have I not seen a check, Capital One has never called me back in-spite of numerous promises to do so. 
In addition, Capital One violated the Federal Fair Credit Reporting Act for incorrectly reporting that the card was closed on my request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for paypal credit through XXXX because it was an option. Once I was approved for a XXXX credit score I could not used the card because it showed the purchase as being to risky. So I ran my credit which hurts my score for a card that I only got for this purchase because my phone is taking a XXXX on me. I think the fact that they are on XXXX XXXX but wont let a purchase go through is misleading and causes people to run their credit for no reason. I would have never run my credit had I not been able to use it.

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 2023-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
USAA has been consistently reporting higher credit card balances to credit reporting agencies than it is showing/making available for payment... 

I've emailed full evidence of this to the CEO, and his execs have been contacting me periodically over the last month or so looking at the issue, but denying they're misreporting... Despite the clear and present evidence I have given them proving it... 

The net impact has been somewhat lower credit scores because I generally keep my balances low by paying them down at least twice per month... But during months when I make very large purchases ( antiques, rare coins, and other collectibles ) near the credit card balance reporting date for my account, this would have very large impact on my credit score... Therein it really only impacts those who actively manage their credit card balances to keep them low... 

The problem looks like it's being caused by their system allowing pending transactions to clear ( but not post to the visible/payable balance ) during business days, instead of at night for the next business day... The fix would be to recode their system to finalize pending charges after XXXX  so the balances match...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
To whom it may concern:
I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from
reports immediately if it is inaccurate or misleading, as this will only harm me further!Upon review of my report, I noticed that
several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this
document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not
received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied
with the reporting requirements, and report without any deviations. Please note that if you have not complied with the
requirements, I will need to remove them from my report.Per 15 U.S.C  1681e Whenever a consumer reporting agency
prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information
concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 (Regulation V) requires furnishers to: A -
Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about
accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe
XXXX standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards
jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracywhich affects your federally regulated reports!With that said! I found some mistakes and inaccuracies in your report, which I
would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate
statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My auto loan was through Ally financial. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They are Ally financial and have class action law suits against them for this exact issue and also within the state of Minnesota where they paid {$780.00} in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my lay off, they wouldnt do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. They closed my account in XXXX regardless of those payments they had been accepting ( without me knowing it until today ) and continued taking my payments. Last payment was on XX/XX/23 for {$900.00}. They repod vehicle on XXXX with no Cobb notice sent to me. I would have been able to get completely current with my auto loan within the next 30 days if they would notified me of the repossession action and allowed me to make large payments now and then in two weeks when I get paid again. They are telling me since they closed my account they wont even allow a payment arrangement to get current and I either pay loan in full or they will sell my vehicle.I could have paid entire amount owed in back payments ( which only was equivalent to two monthly payments ) today and got the loan current. They will not work with me whatsoever and refuse to listen to me about how they didnt comply with the Minnesota state laws regarding the Cobb notice requirements.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion is not honoring their duty of accurate and correct reporting on my credit report. Transunion is inaccurately reporting a late payment on my credit report for the XXXXXXXX XXXX XXXX account ending in 1917. This includes a 30 day late payment reporting on XXXXXXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Transunion completely violating my consumer rights. I did not give Transunion my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Transunion has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021

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 2021-06-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am someone that has some XXXX and have still been trying to work with Toyota Financial services. I have a loan with Toyota Financial Services. I am trying to work to find out why they forced me to change our first Loan agreement. They changed the interest of the loan. They refused to give me a chance to speak with someone before forcing me to sign a new loan agreement, under threat of taking the car back Immediately and loosing the money that had been paid into the loan. 
I made three payments in one month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they put all three to Interest. I did this to try and pay the loan amount fast, but it went up and they kept the extra payments .My payment on the second contract that was supposed to be XXXX I paid XXXX on XX/XX/XXXX they took all of over payment for interest and loan went up again I asked if their was a penalty for early pay out and was told there is not. 
They talk me into paying Extension fees in Advance on XX/XX/XXXX. I paid XXXX last year for three extension in advance XXXX each I was told I might need them if I could not make a payment for any reason and did not want to pay a penalty charge. 
I have paid over XXXXand the loan went up from XXXX last year to XXXX this year. 
I made a call to Toyota Financial Company and let them know they were being recorded In XXXX of XXXX on call I was told that something was wrong, It does not work like that that cant be the amount I owe. They need to talk to a Supervisor, that there could be no way it was going up like this. When he got back on the line he demanded I stop the recording and Erase it or he would end the call .He refused to send a Break down of what went to Interest and what went to the loan and how the extra payment were Applied. He said that he did not have to send me a copy of loan payment history or how it was applied. I only have copy of loan being paid and staying the same. 
They raised the Amount of the loan agreement with out me agreeing to it, and said I had to pay the new amount .I told them that not legal or is it binding to change a loan agreement its a violation of a contract. But I was told they could change the agreement at any time, and did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of the following hard inquiries from my credit report : 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 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 These inquiries were made without my knowledge or consent, as a result of identity theft and fraud. As such, I am requesting that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove fraudulent inquiries from a consumer 's credit report. As a victim of identity theft and fraud, I am entitled to have these inquiries removed from my credit report. 

I have already taken steps to address the identity theft and fraud, including filing a police report and notifying the relevant financial institutions. I am now requesting that you take action to remove these fraudulent inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2023-05-07
Company: Continental Finance Company, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt buying company, XXXX XXXX, recently added a derogatory account to my credit report. All three bureaus, in fact. They say I have an {$870.00} debt with a XXXX XXXX dating back to XXXX. Upon checking my credit scores, no debt with this information appeared before XXXX. The company reportedly bought it back in XXXX of XXXX. 

I received notice of a debt collection on my credit report on XXXX of XXXX. I quickly started disputes with XXXX and XXXX, XXXX did not show a new mark but did drop my score XXXX points. I reported a fraudulent act to these bureaus and was told it would be 30 days. 

I reached out to this parasite company and told them that I never had a XXXX XXXX and that this card had been fraudulently opened without my permission. 7 years ago, according to them. They said they'd mark it as fraudulent. 

I have NEVER had a XXXX  XXXX, I would think the proof would be as simple as the credit bureau checking through my information and seeing that that card has never reported on my credit report. Surely, if I defaulted on a credit card, I would have heard about it before 7 years had passed, right?

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 2022-11-14
Company: EQUIFAX, INC.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation