BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 2023-09-18
Company: EQUIFAX, INC.
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one has violated my rights by adding a late payment to my report 15 U.S.C. 1681 section 602 says " I have the right to Privacy 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) maXXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

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 2020-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new XXXX XXXX XXXX  from the XXXX XXXX XXXX Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The XXXX XXXX said it's not their problem and washed their hands. 

XXXX XXXX requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave XXXX XXXX the case #, and requested the Fraud Package 4 times, and the package never arrived. XXXX refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this 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 2023-08-30
Company: Experian Information Solutions Inc.
State: NJ
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-09-18
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: MN
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Intent to file lawsuit, No validation of debt. 


Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX FAX : ( XXXX ) XXXX To Whom It May Concern : Please be advised I have requested validation of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : XXXX. I had this service. 
XXXX. What services I am being charged for. 
XXXX. What the cost of each service I am being charged for. 

According to 603. Definitions ; rules of construction [ 15 U.S.C. 1681a Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ) the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was contacted by phone and USAA was showing on the call. The man said he was from USAA and that fraud was being suspected on our account with the last 4 of my card information. He had my information and sent a text message verifying the statement. I did not give him any account information or any codes. He specifically said do not give me any code or account info. He said everything USAA does when suspected fraud has been on our account. I hung up and got a text message that XXXX was wire transferred out of our savings account. I immediately cashed USAA and was just in shock. We filled with the FTC, and the FBI along with USAA. Called USAA back and the lady told me that they found it to be my fault. She reopened the investigation as she looked up the IP address the wire came from and it was in Florida. She said it should be overturned, but we needed to be patient. I did not have a computer, I work on irrigation systems. I did not authorize a wire transfer, the money in our savings is for a claim due to major water leak. And the work has already started. I am trying to get any and all help from every possible avenue available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already tried to submit tickets to the Lakeview, ticket # XXXX. I was simply asking for a letter stating that they made an error so I can get the issue resolved with the credit bureaus. The Loss Mitigation representative laughed at me and said that they would never admit that they made a mistake and I was wasting my time. He said that they did this to thousands of customers and they explain it the same to everyone. He then disconnected the call. 

On XX/XX/XXXX my mortgage servicer Lakeview approved a forbearance. Due to coronavirus restrictions my wife was no longer able to work. My account was past due for XXXX at the time we entered forbearance. Lakeview sent several correspondence saying that a forbearance would not negatively impact our credit. I understood that XXXX would be considered past due until I paid that balance. I made payments throughout my forbearance to avoid any modification at the end. 
During the forbearance they marked 5 out of 6 months as 30 days past due : XXXX, XXXX, XXXX, XXXX, and XXXX. They also marked XXXX as past due despite bringing our account current in XXXX and ending the forbearance. Below is a timeline of my forbearance : XX/XX/2020 : Forbearance approved XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX, XXXX, and XXXX XX/XX/2020 : I requested to end my forbearance I'm in escrow on another property and they refuse to supply a letter admitting they made a credit reporting error. It doesn't look like I was in forbearance, it looks like a missed a bunch of payments. This just seems so predatory and wrong

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 2023-07-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with National Credit Systems , Inc and setup an a 12 month going payment arrangement for repayment of my debt to XXXX XXXX XXXX  XXXX, XXXX XXXX, in the amount of XXXX that began on XX/XX/XXXX, which will be complete in XX/XX/XXXX. In spite of this they continue to send the attached letters which state that any future landlord or credit grantor should not consider this as confirmation of an on going arrangement. This seems to be a violation of my rights as a consumer who in good faith has worked out an agreement with this company, which in my perception threatens to intentionally harm my credit and prevent me from using this arrangement as a positive payment history after an agreement has been made. Also, they do not receive checks from me the only way that the representative told me that I could make payments was with a debit card and they are falsely reporting that I'm submitting checks to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to formally request the removal of the extended fraud alert from my credit report. I have provided the necessary documentation, including proof of my identity, address, and social security number, for your reference.

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 2023-06-19
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Thursday XXXX I was notified through my credit card company that I had a significant mark that was reported on my credit report. Concerned about this I obviously went to find out what the issue was. Upon looking at my credit report I have a supposed account in collections from XXXX XXXX XXXX XXXX XXXX in Florida. I immediately got in contact with Spectrum and had them look up all previous accounts/addresses that Ive ever had with them and they have zero record of any debts/balances on any accounts with my name. As far as XXXX XXXX is concerned they say its fraud and that they are attempting to contact this fraudulent company as well. I have attempted to call/contact that scam company XXXX XXXX XXXX with no answer or response from them. I have never been notified about a debt owed or balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX accounts XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2023-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Car was purchased in XX/XX/ from from Toyota of XXXX purchased gap insurance as recommended from dealer protective asset protection is the company that sold me gap insurance loan through Toyota motor credit my car was involved in total loss XXXX XXXX paid XXXX loan balance is XXXX after I requested Toyota refund me on my Toyota care warranty that I never used i.filed claim with protective asset protection on XXXX they denied my claim they said I had XXXX extension on my loan so they can't help me she explained I reach out too Toyota XXXX ca they said same thing then spoke with Toyota they said nothing they can do this is theft and fraud committed by these three companies please pay off balance of loan or refund me for gap and Toyota care warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Good afternoon, Amex Account numbers as follows : XXXX XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: MS
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:
In XXXX and XXXX of 2021,, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 wrote in and sent in certified letters asking them to dispute each inquiry listed on my report because I did not authorize them and believe them to be fraudulent. I ask to dispute each one and provide me with documentation that shows my signature giving authorization. They keep sending a generic printed letter saying that inquires are a matter of record and they dismiss my claim. Ive had this happen 5 times now. They need to comply with the fair credit reporting act and do their job because these errors on my credit report are hurting me.

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