BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've contacted Equifax reps about 2 weeks ago regarding a more than 80 point drop in my score I noticed in the middle of XX/XX/XXXX. I had the My Equifax free product and I've painstakingly looked at the details of the available reports for XXXX, XXXX, and XXXX and they are virtually the same. And XXXX is not available for some reason ( see the attachment labeled Equifax Summary ). I upgraded to the XXXX XXXX on XX/XX/XXXX in an attempt to see when my score changed and indeed it's between XXXX and XXXX. Questions : if the reports are virtually the same between XXXX and XXXX, why would XXXX be different? And why did my score drop by over 80 points? Also, why is XXXX not available? See attachment labeled Equifax XXXX. After the rep continually talked about scoring and the obvious reasons it could change, I asked to speak to a manager. The manager said they would look into it and Id get something in the mailnothing as of XX/XX/XXXX. 
I sent an email on XX/XX/XXXX to CEO XXXX XXXX, XXXX XXXX XXXX and XXXX & XXXX XXXX XXXX explaining all of this. I included 4 of the attached documents detailing my Equifax information for the months XXXX, XXXX and XXXX. XXXX showed up when I upgraded and is attached with this communication, but is the same information albeit some new very small balances relating to XXXX. And I see that XXXX XXXX closed their account due to non-use. I got an email response from customer care that afternoon basically stating that there are several different scoring models and ways to dispute the info. None of the ways to dispute include a missing report or a huge score drop for no reason. Basically, I was blown off. 

Also, in the summary it shows XXXX 's score from Equifaxs point of view as XXXX ( Equifaxs upgraded plan gives scores from all bureaus ). I called and the rep told me that XXXX 's score is also calculated by Equifax from XXXX data... really? Because XXXX has me at XXXX. Again, see the attachment labeled Equifax Summary. I know there are differences in how scores are calculated but its usually in the same rangenot an almost 100-point difference between Equifax and XXXX. 
And an over 80-point drop in 1 month with Equifax for no apparent reason and a missing month that correlates with the drop needs to be corrected. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Portfolio Recovery Associates on XX/XX/2022 by US Postal certified mail. I requested proof of a written contract with contractual obligation between myself ( with my signature ) & Portfolio Recovery Associates, and to date have not received it. Portfolio Recovery Associates is reporting to 3 major credit bureaus that I own them {$670.00}, and that is inaccurate. The certified letter is attached & US Postal Service receipt attached also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CITI CLOSED MY ACCOUNT AND WON'T SAY WHY. 
THEY ALSO SAID THEY WILL SEND MY FUNDS IN 60 DAYS OR SO. I NEED THOSE FUNDS ASAP.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-08-18
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: Information belongs to someone else

Complaint:
I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I can not reach US Bank thru their reliacard telephone number nor do they have proper resources online to file a fraud complaint. I did not file for unemployment and have filed cases with XXXX, FTC, local police, and all credit reporting agencies. Yet I still received a US Bank Reliacard. When I attempt to close the account and report it as fraud I get the run-around. It should be a very easy process to report fraud. When I call their XXXX # it says they are too busy to speak with me due to call volumes and then it just hangs up on me. Doesn't even give me the opportunity to sit on hold. This needs to be investigated.

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 2021-11-24
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is against Amerisave Mortgage and XXXX XXXX Loan Originator NMLS ID # XXXX Amerisave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, Suites XXXX & XXXX XXXX TX XXXX The purpose of the complaint is to point out deceptive and potentially illegal methods being used by Amerisave Mortgage. Since there a multiple concerns that span a period of 4 months, providing all details will be extensive for this initial complaint. Some of the key points are ; XXXX. Over a period of 120 days, Amerisave changed the XXXX & XXXX approximately XXXX  times. 
XXXX. XXXX XXXX refused to lock the rate, and stalled the application and re-finance process so that Amerisave could charge a higher rate. 
XXXX. On XX/XX/XXXX on a recorded line, I instructed XXXX XXXX not to conduct a hard credit inquiry. This was on a recorded line. Provided my instructions on Saturday XX/XX/2021, XXXX pulled my credit report. 
XXXX. On XX/XX/2021, I was contacted via email by XXXX XXXX ( XXXX ID # XXXX ), who wanted a letter so they could reverse the unauthorized credit pull, even though Amerisave violated FCRA regulations, they would not reverse the inquiry. 
XXXX. In an email of XX/XX/2021 : XXXX XXXX initiated a XXXX application " WITHOUT CONSENT '', XXXX. In an email of XX/XX/2021, XXXX XXXX provided a copy of an Appraisal Report, this appraisal was conducted without my consent. 
XXXX. In an email of XX/XX/2021, XXXX XXXX advised me that Amerisave has declined my application for Re-finance. 

The last date I contacted Amerisave was XX/XX/2021, therefore no application for a re-finance was submitted by me, hence Amerisave under fraudulent means boarded an application and subsequently denied it. 

In my possession I have emails, text messages, and loan estimate documents which can be provided during the investigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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 am filing a complaint and am providing a copy of certified letter sent to Experian. I have no knowledge to the below account therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account name as to what right the company has to collect under the fair credit and billing act as it appears on my credit report : XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 Account numberXXXX I wish to see the original sources of the information reported including the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card.

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 2023-01-14
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I'm exercising my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XXXX XXXX, 2021. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The List ot 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 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 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 2023-08-08
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:
Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXX Medical- Hospital bill after my XXXX XXXX XXXX XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX XXXXI don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be 900 cheaper in bills per month ... I am XXXX XXXX XXXX  and have a XXXX XXXX  ... .Thanks

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 2018-04-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.

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 2023-06-12
Company: American First Finance, Inc.
State: PA
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 recieved an alert about a new account with American First Finance some type of lease with the balance of over {$2000.00} and a new address in XXXX. I disputed that it was not mine and it came back verified. I never lived in XXXX  and I have never been late on any of my accounts, I asked them to get the said lease agreement as well as look at the coincedence of new address with the new account.. I tried calling the company and every time I reached a live person and ask what type of company it was and once i say i have no account but it shows on my report they hang up. I have called XXXX times to no avail this company is a fraud. my score has gone down XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Grow Credit Inc
State: VA
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:
Grow credit Inc agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them th o remove them I have contacted the bureau about when will they remove the info that was requested tk be removed and all XXXX bureaus told me that the removal of account or account info is not done on there end so I contacted grow credit Inc and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft.

I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data.

I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation.

To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken.

Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process.

I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

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 2023-01-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
My account in paypal was permanently limited and i have funds, he request to submit my id on XX/XX/XXXX XXXX and after submitted my id and waiting her review after that my account was permanently limited. I dont know what the reason why permanently limited my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I originally called Toyota Financial Services on XX/XX/XXXX to discuss lease end options since I was not comfortable test driving new cars or visiting showrooms in the prime of the pandemic. I decided on that same phone call to extend my lease for six ( 6 ) months, through XX/XX/XXXX. During the phone call, I asked what actions I would need to take to renew the lease and after telling the representative that all previous payments were made through auto-pay ( I have always had my XXXX accounts on auto-pay ) the representative said there was nothing for me to do other than renew my vehicle tabs. 

Fast forward to XX/XX/XXXX, I received a voicemail from Toyota Financial Services with a request to call them back. Up to this point, I had not received any communication ( email, XXXX customer portal, etc. ) about any concerns with my account. Nor did I ever receive notice that my auto-pay was being or had been removed from my account. The delinquency ( which was XXXX error ) was reported to the credit bureaus before I was given a chance to rectify TOYOTAs error. I never received a letter or email stating my account was over due. Once I was made aware of the issue, I immediately paid the amount in full. The delinquency was reported to the credit bureaus before I was given notice. More concerning is that my auto-pay was cancelled without my knowledge and that the XXXX XXXX Representative advised me that there were no actions to take upon extending my lease by 6 months. 

The lack of communication and inability to now get ahold of the Toyota Financial XXXX XXXX team is unacceptable. Toyota Financial only allows you to speak to a frontline representative about your concerns, they do not allow you to speak directly to someone who can resolve credit reporting issues/discrepancies. You have to mail a letter or send a fax, and then wait for a mailed response. When dealing with an issue as sensitive and critical as your personal credit, this is inexcusable. Toyota Financial Services has taken no accountability for multiple missteps.

Company response to consumer: Closed with non-monetary relief