BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

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 2023-04-19
Company: Experian Information Solutions Inc.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I called both Capital One Venture with a XXXX balance and they said they reported the credit correctly and XXXX should have updated it. 

On XX/XX/XXXX I called XXXX and spoke to XXXX XXXX and he said it was still showing XXXX. He would reach out to them. 

I am working on a loan and can't get anyone to provide correct information. 
I am going to get an attorney now involved with both of these companies and will close this credit card, making it the final one closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Toyota Credit De Puerto Rico Corp.
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
i filled twice an appication with Toyota Credit for a Auto Loan in XXXX  NO response or email with the Information about it, or letter or Call. I was a Toyota Credit customer in the past. 

my loan # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: AZ
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/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
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:
CFPB On XX/XX/XXXX I asked XXXX XXXX XXXX to provide proof of my responsibility of an account listed on my credit report. [ XXXX ] I then ( XX/XX/XXXX ) received a message from XXXX XXXX XXXX that they were a collection agency whom I have never done business with. [ XXXX ] The account is listed on my credit report as OPEN which is not only inaccurate but they have listed themselves as 2 separate entities on my credit report ( s ) appearing twice. Once as an OPEN account on XXXX and once again on XXXX/Equifax with inconsistent Payment Statuses. [ SEE ATTACHED ] On XX/XX/XXXX I informed each of the credit reporting agencies ( XXXX, Equifax & XXXX ) that they each are allowing an inaccurate listing on my credit report that is currently causing me ( and my family ) financial strife. They were all made aware that XXXX XXXX XXXX was reporting inaccurately each month and that they were verifying incorrectly. [ XXXX XXXX XXXX ] I was under the impression that everything listed on my credit report should be accurate, verifiable and timely. 
- XXXX XXXX XXXX ( or XXXX ) has no OPEN account with me yet they've listed themselves as OPEN on XXXX and Equifax - XXXX XXXX XXXX ( or XXXX ) has a DATE OPENED date as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax yet which theyve been informed of. 
- XXXX XXXX XXXX ( or XXXX ) is inconsistently reporting varying data points on several of my credit reports. 

As a remedy XXXX XXXX XXXX should be disallowed from listed ANY account information on my credit report as they are inconsistent in their reporting across several credit reporting agencies. 

Please remove XXXX XXXX XXXX from ALL of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXX XXXX regarding the inaccurate information present on his credit reports with the credit reporting agencies, XXXX, Experian, and XXXX. The inaccuracies pertain to student loans, closed accounts, and hard inquiries, and they are adversely affecting XXXX 's creditworthiness and financial standing. 

Upon reviewing XXXX 's credit reports from XXXX, Experian, and XXXX, it has become evident that various inaccuracies have emerged, particularly in relation to student loans, closed accounts, and hard inquiries. These inaccuracies are causing significant challenges and hindrances to XXXX 's ability to manage his finances effectively and secure financial opportunities. 

I kindly request the following actions : A comprehensive investigation into the inaccuracies present on XXXX 's credit reports with XXXX, Experian, and XXXX, with the aim of rectifying any information that can not be verified or is erroneous. 
The prompt removal of any inaccurate data related to student loans, closed accounts, and hard inquiries in line with the Fair Credit Reporting Act ( FCRA ) and the CFPB 's regulations. 
Verification of all student loan information to ensure its accuracy and alignment with XXXX 's financial history. 
I firmly believe in the importance of fair and accurate credit reporting, and I trust that the CFPB will diligently address these inaccuracies to ensure the integrity of XXXX 's credit reports. 

Please keep us informed of the progress and outcome of this complaint.

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: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record XXXX XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 XXXX, Experian, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX XXXX XXXX was dismissed in Magistrate Court of XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my 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 explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX of XXXX I sent certified letters to Equifax for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by Equifax, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. 1. XXXX XXXX XXXX XXXX, was changed to XXXX XXXX, 2. XXXX XXXX XXXX replaced an account onto my credit file as well. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$180000.00} 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 2022-04-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received incessant calls from a MCM ( Midland Credit Management ) company saying that they need to verify employment on me. I asked that they send over an email requesting this. I have impeccable credit and they did email me and the social security number they have IS NOT mine. When they call and harass me I ask what they are calling for and they refuse to tell me and only say XXXX XXXX. I explain that the social security is not mine and they DEMAND that i provide my social security. I have called them five times and one person advised they were looking for a XXXX XXXX. This was the person who sold me my home! They refuse to send me some kind of letter of what it is for and are demanding and call me every single day after they say they have the wrong person and i will take me off their list. However, they never do. I am humiliated as my credit score is XXXX and i do not have any past due bills. They have violated my rights on several attempts to collect a debt from someone that is NOT me. Please help me with this as upon looking online this seems to be this companies MO. I have contacted two attorneys on this that are going after this specific company as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-23
Company: Affirm Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2022, I believe, not sure of exact date, a company called, Affirm, that XXXX uses, says that I borrowed money from them in the amount of {$180.00}, with no proof, as the order numbers do not exist. All they have is my information. They sent me to collections, which is destroying my excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is an update to complaint XXXX. In the companies response to the complaint they reported to the CFPB that {$3600.00} was given as financial compensation. This is incorrect, the {$3600.00} went to the old homeowners via XXXX. XXXX refunded that amount to the old homeowner as a result of M & T paying the old homeowners insurance along with my XXXX  insurance. M & T Did refund the amount charged in error to my mortgage, refunding payment taken in error does not count an compensation. I'm aware that M & T lost this money because they were not able to recoup the money for their mistake through XXXX. But this doesn't count as compensation either, the payment didn't go to the party who was affected by their error. I'm out weeks of time getting my loan assumption squared away. I have lost money through not being able to obtain a loan as a result of their errors, I have an issue with this being reported to the CFPB an compensation.

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 2022-04-27
Company: Avant Holding Company, Inc.
State: PA
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:
Avant LLC ran a hard credit inquiry on me on XX/XX/18 and the information provided was not my address. I informed them via phone calls and emails that this was a fraudulent inquiry and attempt to access credit. They said it would be sent to their fraud department. However I have yet to hear back from them in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from Citibank, which stated I was preselected for a XXXX XXXX  mile bonus if I opened a Citibank Checking Account and completed qualifying activity. I completed the qualifying activity on XX/XX/XXXX. The terms clearly state that the miles would be deposited, at most, 30 calendar days after activity was completed. 

I contacted Citi once on XX/XX/XXXX to confirm that the activity had been completed. I contacted them again in late XXXX to confirm, when they said it may take an additional 60 days to receive the reward, which was a red flag because this is clearly materially different from the reward terms and conditions.

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 2023-05-03
Company: Select Management Resources, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I defaulted on a title loan in the beginning of XXXX they repossessed my car. I owed {$1700.00} at the time of repossession. They informed me that to get my car back I have 7 days to pay {$3400.00}. They were charging me {$1700.00} for repossession fees, storage fees for 7 days and towing fees. Which seems excessive. Well on the 8th day they auctioned my car. They sold it for roughly {$6900.00}. I received a letter from the company stating the overage. Letting me know I was owed {$3500.00}. I called the company to receive my money I was told a check would be issued in 30 days. Its been almost 120 days and no payment from them. Every time I call the tell me there is no updates or scheduled date for my payment to be mailed. Ive been calling for over 90 days. They gave me 7 days to pay them but they can not give me a check for what Im owed almost 120 days later. I should not have to wait any longer to be paid whats mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have multiple inquiries on my report all dated XXXX-18, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.

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