BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car payment on XX/XX/XXXX and XX/XX/XXXX, were sent by my bank to Nissan XXXX XXXX rather than Nissan Motor Acceptance Corp. When I was contacted by Nissan Motor Acceptance Corp of the problem, I made a double payment over the phone. Now neither Nissan XXXX XXXX or Nissan Motor Acceptance Corp can tell me where my two vehicle payments are. Neither is willing to work with me or do an investigation to return my money. The two check numbers from the credit union is check # XXXX, XX/XX/XXXX and check # XXXX, XX/XX/XXXX. I have contacted both entities several times, ask customer service to transfer me and remain on the line so I could speak to both at the same time. Each time they would eventually disconnect. your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
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 XXXXXX/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 2021-08-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a validation letter with National Credit System that was sent on XX/XX/21, after a month I received a letter from another collection agency name XXXX XXXX XXXX XXXX XXXX dated XX/XX/21 collecting the debt of {$1800.00}. They did not even provide a valid proof that the account is mine. Not even with my signature. I have then send couple more letters trying to get the proper documents that I've asked for. But National Credit System never responded to me. please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My lease terminated on XXXX 
On XXXX I received payoff letter ( attached ) for the amount of {$22000.00} good till XXXX 
On XX/XX/2023 I made an online payment to Lexus XXXX for the full amount indicated on the payoff. 
On XXXX Confirmation was received from Lexus XXXX of payment received. 
As of today I have yet to receive title to the vehicle. 
Call to Lexus have not been successful in obtaining resolution. 
Lexus has instructed me to proceed to a dealer to purchase the vehicle and that they will return the payoff payment. It's been almost 2 months and I have yet to receive the refund. 
I have been forced to extend the lease because Lexus was reporting that my payment was overdo. I am now {$22000.00} out of pocket as well as having to make monthly payments in order to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2020-12-24
Company: Continental Finance Company, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a guaranteed letter for a credit card of {$500.00}. Once they bring you to a " website '' for your approval, they take your information and then say you are declined and then try to get you to sign up for some other XXXX type of company. My girlfriend and myself are both subject to this. I now have a hit on my credit, I would be glad to share the misleading letter. It tells you your credit limit and everything. I have an approval from a much more reputable company, so I know my credit was good enough to get a card. I just want this off my credit and would like to be removed from their system. I would also like to know how they got my information. My personal opinion, companies like this should be held responsible for lying to consumers and effecting their life in such a bad way. I now have a credit pull and decline tied to my name because of them. Please help and please make them pay for their shady advertising tactics.

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 2023-04-12
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I acquired a service for my home in XXXX ( XX/XX/XXXX ). The work order form noted what service we received and that it would be {$7900.00}. I was informed that the loan would be facilitated through the Castle Credit Finance company who would send a letter that would go into more detail of what the loan entailed, the payment process, account number, etc. In XXXX, I called the company, inquiring on my account since I never received a packet, any letter, or email regarding my loan. And given that the work order noted my first payment was in XXXX  months, I wanted to check. 
Discussing with a representative named XXXX, from XXXXastle Credit, I learned what my account number was and that they had written my XXXX # incorrectly. I was assured that I would receive the packet. I never did, nor an email. In addition, and most importantly, XXXX assured me that the payment was not due until XX/XX/XXXX. I was dubious and asked for clarification, particularly if it meant " no interest being accrued. '' She confirmed that XX/XX/XXXX was due date and no interest would be charged. 
I received a letter on XX/XX/XXXX notifying of my new balance ( {$8100.00} ) and was bewildered but also annoyed. Why is it going up if I was informed, by a member of the company, that no interest would be accrued until after the due date passes? I wasn't pass due and I have had no fees. Since I never got a welcome letter, I was not informed in writing how the interest was determined. Their online account bears none of that information. No documents or terms and conditions. 
Castle Credit prefers complaints to be written in writing. After no response for 2 days and noticing that my balance is going up, I called the company ( XX/XX/XXXX around XXXX ). I spoke with XXXX and expressed my frustrations. I felt patronized as he informed me of " how loans work '', even though I had emphasized that a member of their company misinformed me and that the company failed to be transparent about their process. He said he can't do anything, I have to just pay the monthly. Further demonstrating to me that he isn't listening to me-I can pay the entire balance but waited with the impression that it was not due until XX/XX/XXXX. This company needs to be held accountable-particularly with being sure that there workers are not misinforming clients with information that can have financial repercussions ( but of course it benefits the company ) and also with clearly providing documentation to clients ( whether it is online or through the mail ). As I mentioned, I only ever received a work order and XXXX summary of my account which I read and noted how interest is accrued. But this letter came in XXXX and I had an account with the company since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: HANCOCK WHITNEY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX offered a promotion of {$300.00} to open account and make TOTAL qualifying direct deposits of {$300.00} or more per month. The XXXX was to paid 45 days after the qualifying period ended on XX/XX/31. I deposited {$170.00} from my paycheck every pay period which totaled {$350.00} per month. They did not credit my account for the bonus amount. Statement attached along with promo terms emailed to me from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-25
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
I had an auto account with Santander from XXXX, which became delinquent. The car was repossessed and sold to satisfy the debt. Since that time, Santander has provided inaccurate information about this account to the credit reporting agencies. In particular, the date of first delinquency and they have listed 25 charge offs for 1 account. This has significantly impacted my credit score. I have disputed with Santander on multiple occasions. In addition, I have disputed with the credit bureaus and Santander has verified this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I got a letter for my bank saying that 3 of my car payments were returned from XXXX XXXX and XXXXeach payment was for XXXX dls each month money the I pay with my debit card and money the I never received back those payments are posted as returns to my account on XX/XX/XXXX i never saw that money. On XX/XX/XXXX I went to the branch of the bank to see what happened with that money and the banker supposed to help me make a claim for that and he explain to me the company was gon na give my money back and they may have to close the account and open a new but unfortunately not they just close my account the i had for almost 7 years and they decide for me not to open anymore an account with them or any other back at the end of everything they ended charge me for XXXX on fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX also failed to follow XXXX by phone or XXXX XXXXAS for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This business that I have no right to run my credit never did business with them. Information is incorrect and I need it to be removed off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
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:
In 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to false practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, deformation of character, I can't get a job, or apply for credit. I can't even get a sba loan or anything else in this pandemic due to this crisis. You have hurt my ability to uptain 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This account is inaccurate Please delete this account and delete this immediately

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 2023-11-09
Company: EQUIFAX, INC.
State: GA
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:
This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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 an account without my written instructions

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