BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I 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. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TD BANK US HOLDING COMPANY
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:
Hello, Target Bank is reporting on my credit report incorrectly. I submitted this account to a Debt collection company XXXX XXXX XXXX in XX/XX/2018. I was told that when I start the program, Target would re-age my account. I have been paying the agreed amount every since it was signed off on by Target. They have not done so,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC on behalf of Toyota Financial Services XXXX entered my property without my consent, I had to jump out of my first floor window not knowing what was happening, I told the agent that he couldnt take my vehicle because it already has been paid in full and that I had no knowledge of the repossession taking place. Toyota Financial services has been receiving Legal tender payments since XX/XX/2023, but have refused my payments but has also failed to return payments. They have refused to provide the requested information. I was told by XXXX Agent that if I didnt hand him the key, my car was going to be taken out of state and I felt forced to give him the key to my vehicle but I was not able to take out my personal belongings due to the car already being on the tow truck. Toyota financial services was also provided with a UCC 11 search that proves they never filed a financing statement but still claims to be the owner of my vehicle. Toyota Financial services is in violation of MA General Law UCC 9-506, UCC 9-611 , UCC 9-612, UCC 9-613. Toyota Financial Services also failed to acknowledge that the vehicle was purchased for personal reasons and it could not be repossessed prior to court hearing as stated in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After several phone calls and mailed in disputes, Experian refuse to remove my old address from my credit report, this is prohibited me from getting credit. I sent in my proof of current mailing address along with my social security card, they still continue to tell me they will not properly update my personal information on my credit file

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 2023-10-01
Company: EQUIFAX, INC.
State: KY
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:
Its been effecting my credit for 7 years now i had my identity stolen and XXXX XXXX and XXXX XXXX XXXX kepts showing on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been trying to get a cash app card since XXXX years ago XX/XX/XXXX of XXXX and they won't let me Get a card because of a scammer hacking into my account, and they also will not let me know what happened in order to get me blocked from ever ordering a card again, but they did say I was in violation of a contract for the cash app card that would permanently disable me for it from ever Being able to order another card ever again so I really dont know what even what happened but I was locked out of my cash app for like XXXX days and then finally I regain access and everything was changed. All my money was gone and I wasnt able to get a card anymore, I tried explaining to them everything that had happened but they still wont let me get a new cash app card and Ive been fighting identity theft. I owe the IRS {$3000.00} for filing taxes last year, and I never filed because I wasnt working. I was too sick and XXXX and its the square company that partners with cash app that wont let me get a new card wont let me order one and I need one and I dont think its a right that I cant have one because of a scammer and its the square company that partners with cash app that wont let me get a new card wont let me order one and I need one and I dont think its a right that I cant have one because of a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Nelnet, Inc.
State: TX
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:
Between XXXX and XXXX XXXX XXXX ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize this inquiry I never apply for XXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a Multiple Inquiry Removal Letter and Public Record Letter on   XXXX   XXXX    2017 by ce rtified mail in order to dispute information, in regards to  XXXX  hard inquiries and public record, that was being reported on my credit report. They received the letter on   XXXX   XXXX    2017 a nd they completed the request on   XXXX   XXXX    2017. T he request that I submitted included  XXXX  Hard Inquiries and public record that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, F CRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the FCRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries and public record on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and public record that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2023-09-29
Company: EQUIFAX, INC.
State: AL
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:
I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights several times with no repercussions. I demand the accounts listed below be removed because, According to the law which Equifax disregard, 15 USC 1681 I have the right to privacy and I did not give Equifax written permission which is required by law from the consumer to furnish any these accounts and they dont have permissible purposes to do so as stated in attachment. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: CT
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:
THERE ARE  XXXX  ACCOUNTS THAT ARE NOT REPORTING CORRECTLY AND EXPERIAN WILL NOT ALLOW ME TO DISPUTE THEM

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 2017-05-04
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I currently have a debt for the amount of {$2300.00} with  Discover Credit Card Services. I called Discover  at  XXXX  to inquiry about this debt. I was provided this fake phone number  XXXX  and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
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:
This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX  via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

XXXX shows day account open XXXX and EQUIFAX XXXX ( inaccuracy open dates ) XXXX shows as closed account vs EQUIFAX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX XXXX and EQUIFAX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO XXXX AND EQUIFAX WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau XXXX AND EQUIFAX allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

XXXX AND EQUIFAX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Albert Corporation
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I contacted my bank just before XXXX EST. My payday is every other Tuesday but this bank provider always pays me on a Friday or earlier depending on if theres a holiday. I contacted my employers payroll department to confirm that they in fact wired my paycheck to my chosen bank for direct deposit prior to XX/XX/2023. The bank requested my official pay stub, my account and routing number, all of which I provided to them because they told me they would escalate the issue and this would help them resolve the issue faster. Little to my satisfaction they did not escalate or resolve this issue and I still have not received the funds that I am due and have no way to feed my child or pay my bills.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: DE
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX Payment History Changed 93 % 100 % On-time payment percentage as of XX/XX/2018 On-time payment percentage as of XX/XX/2018 Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better. 

The XX/XX/2018 payment status for your XXXX XXXX XXXX XXXX automotive account was updated from " 30 days late '' to " current ''. 




This is what my report read recently, yet recently the late payment was re-inserted and I was not notified within 5 days and in writing which is F.C.R.A. law I want it removed, and not re-inserted again ... as I have provided proof, a letter from XXXX XXXX, and was told that you need to update your records ... and refrain from using XXXX outdated verification and refrain from stating that they verified when they did not ...

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 2023-09-30
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX was transferred fraudulently out of my Bank of America Edd account I reported it made a police report notarized documents showing proof that my money was stolen Ive filed complaints with the bank the denied my claim several times but I keep opening my claim back up last time I reopened my claim was XX/XX/2022 still havent got a decision this has put me in a terrible situation I had to have a program pay my rent and bills and my credit score has dropped from a XXXX to a XXXX because all my money was stolen and the bank has not been any help I even asked for hardship and was denied the this bank has ruined my life

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 2022-04-07
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: Investigation took more than 30 days

Complaint:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2018-10-21
Company: Experian Information Solutions Inc.
State: MI
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 have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX  XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting 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 non-monetary relief
Consumer complaint received 2023-04-17
Company: SYNCHRONY FINANCIAL
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:
There are 5 inquires from SYNCB/Paypal that are in my credit file that I didnt authorize. 
SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) SYNCB/PAYPAL ( Bank ) 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