BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : TOYOTA MTR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX Inquiry Date : XX/XX/2020 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX  XXXX  XXXX XXXX was fraud and needs to be removed from all my credit reports. 
XXXX XXXX XXXX  was part of my fraud case and needs to be removed from all my accounts

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 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
In 2018 i tried to open a bank account with bank of america online which was denied and i was asked to go to a branch with 2 forms of id. I went to a branch with id and account was opened.I am a current memeber of bank of america. When trying to open other bank accounts i kept being denied. I got a copy of my XXXX  report which says i have a account closed for fraudulent activty. I contact Bank of america several times with no reason why the account shows closed for fraud. i have contacted and disputed with XXXX  to no avail.Bank of america cant tell me anything and niether can XXXX  mean while the only one to suffer is the consumer.They do not verify information properly and there is no way for the company that reported the item and the agency reporting to even verify. Then they ping pong you back and forth.

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 2022-05-18
Company: CURO Intermediate Holdings
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Started a dispute through XXXX  XXXX XXXX XXXX turned around and said they have the correct information. They do not. I did not open this account. Therefore, I am not paying this debt. I explained how my phone had been hacked, along with my computer a while back. this is fraudulent. This has caused me nothing but a huge headache since I have had to close all my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, TransUnion, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither XXXX, nor XXXX, nor TransUnion have deleted it yet. It has been more than 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, at XXXX XXXX, I placed an 8 minute call to XXXX XXXX XXXX ( XXXX ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the XXXX rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid XXXX XXXX XXXX - ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had XXXX exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/XXXX. Without collection authority, XXXX had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX, I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.

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: MA
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:
On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CAPITAL ONE AUTO FINANCING on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was declined of a credit card XX/XX/XXXX. I then ordered my credit reports. On my Trans Union report, I noticed harmful/ fraudulent information and financial contracts were signed XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX  {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. My name is XXXX XXXX XXXX XXXX XXXX as reported on this account by XXXX XXXX aka XXXX XXXX ( credit reporting ) as information excepted by Trans Union. 
I disputed this information by mail and online with Trans Union XX/XX/XXXX, file # XXXX with proof of a different name given. I then filed a police report of ID theft XX/XX/XXXX, case # XXXX and made contact was by mail and phone to both XXXX & XXXX XXXX of fraud. To NO prevail, Trans Union continues to report fraudulent info as " VERIFIED AND ACCURATE. 
NOTE : Trans Union along with XXXX XXXX is in multiple violations of the Fair Debt Practices. 809. Validation of debts : 15 USC 1692g ( 1 ), ( 2 ), ( 3 ) & ( B ) 804. Acquisition of location information:15 USC 1692c ( 1 ), ( 5 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged for a procedure that never took place by/for this patient. A premedical exam was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical or patient release was made. It is now with due diligence that government intervention is necessary in these fraudulent affairs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, XXXX and XXXX of 2020. At the beginning of Covid, XXXX XXXX has reported late payments on my credit report for these months. I thoroughly explained to XXXX XXXX that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to XXXX XXXX, Transunion, XXXX and EXXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX  monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of XXXX XXXX, Transunion, XXXX and XXXX. They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.

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 2015-06-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Bank is not applying extra paid on the payment to the principal they apply it to the next months payment. I called them to complain and at first I was told they do not apply the extra to principal they did not have to, and there was not way for them to do that. They do not give an option online when making payments for extra to be given or applied to principal. When I stated that is not legal then they tell the only way was to send in a check by mail with instructions to apply to principal otherwise it would be credited towards the payment/interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting 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:
This companies listed accessed my credit information. 
I have never applied anything from this companies. 

BARCLAYS BANK DELAWARE 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 explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and I noticed numerous inaccurate information accounts and inquiries these inaccurate accounts and information is causing damage to my credit report and my way of life please see the attachments included in 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 non-monetary relief
Consumer complaint received 2018-11-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
NFCU Charged me interest on my card even if I made more than enough payment. I have an outstanding balance transfer which is up to date and purchased something online less than {$15.00}. Before the due date I made a {$350.00} payment and still charged me interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a cash rebate check from citi card on XX/XX/XXXX and deposited into XXXX XXXX XXXX. The check was returned by the bank because inadvertently we deposited into the wrong account in which the payee on the check was not on the XXXXXXXX XXXX XXXX account. 
We took the returned check and deposited in the correct account at XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and the deposits where both returned RETURN REASON-S REFER TO MAKER. 

I have contacted XXXX XXXX XXXX and they have referred me back to citibank, stating the check was returned I have contacted XXXX and they have referred me back to citibank, stating that the check was returned i have contacted citibank many times on XX/XX/XXXX i received a letter stating the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the i need to complete a affidavit to further investigate on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed and cleared Every letter came with a copy of a check with blank endorsement on the back not showing where or what bank cashed the check on XX/XX/XXXX they sent me a fraud inquiry, i completed the form and faxed it back on XX/XX/XXXX and then again on XX/XX/XXXX. 

I contacted them XX/XX/XXXX and was told by XXXX XXXX # XXXX that there is nothing citibank can do. 

I need your assistance in getting my money

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 2023-08-01
Company: Experian Information Solutions Inc.
State: SC
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:
In XXXX I asked that incorrect information be removed from my credit report. Under USC 1681 they are required to investigate and conduct it in a manner that isn't just speaking to the supposed creditor. They failed to do the investigation per the law and haven't removed any incorrect information. Now is not the time for another investigation or to verify. That time has come and gone. I request all incorrect and negative info be removed for my report in the next 10days or be forced to pay {$1000.00} for every incorrect negative error on the report If you want proof of dispute look no further than the complaint filed XXXX with the cfpb. I've waited the allotted time now I will take action

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