BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
Here is the list of accounts that still needs verifying : XXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX XXXX XXXX : {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX continues to add interest to a loan that they charged off for profit and loss. By doing so they are updating the account monthly in an effort to cause my credit score to be low.

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 2023-06-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently disputed the following accounts on my credit report that are inaccurate and was informed that after an investigation the accounts have not been deleted even though according to USC 15 1681 inaccurate items must be deleted by law. How is it impossible that these accounts were properly investigated when they are still not reporting at least 100 % accurate across ALL XXXX AGENCIES ( Experian, XXXX, and XXXX ) as required by law. Please delete these accounts IMMEDIATELY as they are still violating my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-11
Company: Experian Information Solutions 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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: In progress
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from 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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these 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 be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-12-21
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Got loan for XXXX  back in XXXX to help with rent, started paying loan back on XX/XX/XXXX of XXXXdollars every Friday which is my payday. As of XX/XX/XXXX still paying already has taken XXXX  dollars from account next withdrawals on the XXXX. To me that's way too much to pay off for small loan.

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 2023-10-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over XXXX lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX more than 45 days ago I sent a letter to the credit reporting agencies regarding some false misleading information that should be excluded from my report. As of today I have not received any response regarding my concerns and I feel as I'm being ignored. I as a natural person ( consumer ) who is protected under federal law demand these accounts be removed from my consumer report immediately. If no action is done I will seek legal action for the Violation of my right. I have attached verification of my identity so please don't say you are not able to verify me. Also I am not being represented my any 3rd parties so lets not play these games to delay the process. The law states clearly you must allow 30days to respond not 45 nor 60.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a XXXX XXXX XXXX lease vehicle by mailing a check and an odometer statement-check was cashed on XX/XX/XXXX in the amount of {$12000.00}. I called on XX/XX/XXXX to check on the status of my title and was told they were missing the odometer statement, I stated I would fax in the one I had, got the fax number and faxed in the document. I called back onXX/XX/XXXXto check the status and was rep confirmed they had received the odometer statement and they were sending an escalated email to close the account and I should receive the title in 7-10 business days. Around XX/XX/XXXX I called when I still had not received the title and was told again they had the odometer statement, the title had not been release and I just needed to wait. I asked to speak to a supervisor. The supervisor stated had the odometer statement and that they would send an email to the titles department requesting the title to be released. I called back on XX/XX/XXXX and the rep told me the title had still not been released, I again asked for a supervisor who told me they did not have my odometer statement and that I should email it to XXXX along with a letter explaining the long wait and for the title to be sent next day mail. The next time I followed up with a supervisor I was told they still did not have the odometer statement and they they don't even have an email to send things too ( basically her or the last supervisor is incorrect ). She also stated that they only accept the XXXX XXXX odometer statement ( glad someone finally told me ). The supervisor also informed me that they can only emailing the title department is the only way they have to contact them ... This seems really odd for such a large company. On XX/XX/XXXX I sent in the Hyundai Motor odometer statement next day mail through USPS and confirmed it was delivered on XX/XX/XXXX in the XXXX. I called on XX/XX/XXXX and XX/XX/XXXX and it is showing as not received. I am not the only person having an issue with this company and titles being released. I found multiple complaints on the XX/XX/XXXXand a news article on XX/XX/XXXXThey are holding customer money for weeks to months at a time. which should be illegal.

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 2022-11-24
Company: EQUIFAX, 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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. REPAIR or CORRECT these items that caused me so much stress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( TRANS UNION, XXXX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.

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 2022-11-18
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: Their investigation did not fix an error on your report

Complaint:
This is my XXXX and final attempt to supply court documentation to XXXX, TransUnion, and XXXX regarding a recent lawsuit with XXXX ( Account # XXXX ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF XXXX RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( Account # XXXX ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not 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 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I started receiving CA edd benefits in XXXX until XXXX XXXX. I had never received a card from Bank of America. I ordered a total of 8 cards over that time span. I had been calling bank of America asking why I wasn't receiving the cards and they told me to contact edd. Edd kept telling me to contact bank of America. So I finally got Bank of America to let me file a fraud claim and I finally received my first card XX/XX/XXXX. Well the XXXX is still missing. They filed 6 claims one for each card that had a amount on it. It's been 50 days, they approved one claim for {$160.00}. But haven't provisionally credited the account, they haven't mailed or communicated with me at all. I have applied for a hardship and no response. I know my rights are being violated and I have lost everything due to not having my money. I need help getting my money or at least access to it while they investigate the claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed a checking account that Ive had for 15 years! I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this checking account which authorizes me as the original creditor/ account holder. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to USAA i have no money. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without their permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a positive balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$5000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Genesis FS Card Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Social security number was used to open a Credit account with Genesis Credit Card services back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. 

I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. XXXX XXXX XXXX XXXX, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Contacted Toyota Finacial Services ( TFS ) on XXXX  for a payment deferral. Response received from TFS stating deferral was approved and to call customer service to notify of preferred delivery method. Contacted customer service as insteucted and they did not even know that it was aproved. After being transferred at leadt 3 times to different agents, I was told to wait 48-72 hours and that document could not be completed electronically neither signed electronically. I requested to speak with Supervisor and was told that there was no Supervisor available. On XXXX I reveived a message from TFS stating the only received 1 page of the deferral and not the one with my signature. Once again, I called customer service and was transferred to 2 different agents that neither was able to help. XXXX ( agent ) was unable to locate my account using first and lasy name. As of today, XXXX, my deferral has not been applied to my account despite submitting executed document electronically and via fax on XX/XX/. It has been a horrible experience and very frustrating because it feels like customer service agents from TFS dont care or are not willing to resolve my matter in a timely fashion. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation