BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Verisk Analytics 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received letter from Wellsfargo bank dated XX/XX/2019 saying they will close my checking account. They did not give any reason other than some risk management. I did not do anything wrong. I called to complain and they said to refer to their policy. They said they have right to close account. They would not give explanation. Stupid way to do business and inconvenient people without good reason. Wells Fargo should be shut down if this is how they do business.

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 2022-07-13
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: Investigation took more than 30 days

Complaint:
Equifax this is your final notice to DELETE those charge offs XXXX XXXX XXXX and XXXX XXXX XXXX of my consumer reports!! 
You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 
18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 

15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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 You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 
Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A lady called asking for my address to serve me court papers. She gave me a number to call. When I called the number XXXX, a man answered and said I owe XXXX dollars in debt from us bank. He then ask for the last 4 of my social security, which he already knew... When I called the original lady back the number was no longer in service.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
submitting this complaint against XXXX, TRANSUNION, XXXX and there is no third party involved. XXXX XXXX ' XXXX XXXX XXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than

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: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The history is relevant : I have been attempting for literal years to get a modification on my mortgage due to a family emergency that resulted in a default on the mortgage. The process began in XXXX XXXX XXXXXXXX when the mortgage was serviced by XXXX. I was consistently stone-walled by XXXX for years. The pattern went like this : I would fill out the hardship applications, print off my pay stubs and current relevant information, send them through the portal. Receipt would be acknowledged electronically. They would say that my file was with underwriting and it would take awhile. I would call back for a status, they always say it was still in underwriting. At approx the 3 month mark I would call for a status and would be told told that I had been assigned to a new single point of contact and I would have to start all over. I would not get an answer on the hardship applications. Each instance of this took minimum of 3 months. This happened upwards of 10 times, so may that I had actually been assigned to two single points of contact twice and the department was huge! In XXXXXXXX XXXX XXXXXXXX there was an ethics violation by XXXX. I wrote a complaint and was assigned to an XXXX XXXXXXXX in spring of XXXX ( email attached ). I tried repeatedly to reach the gentleman who introduces himself in the email, he never responded. I have emails of this if it matters. Months later I found out that XXXX had sold the servicing on the loan to XXXX. XXXX shirked responsibility for the ethics violation by selling the servicing contract on the loan. I spent months reaching out to XXXX to no avail. I discovered that the servicing on the loan had been sold again to Carrington which is where it rests now.

Current complaint : I can't get a single point of contact with Carrington. Per Colorado law CRS 38-38-103.1 AND federal law 12CFR1024.40 Carrington is required to assign mortgage modification seekers a single point of contact. Carrington will not assign my case to a single point of contact despite multiple modification application submissions. When I have called back to follow up with the same person, making the person a de facto single point of contact, the person who answers the phone states " any one can help you '' and refuses to transfer my call to the individual. My case is very complex and " anyone '' can not help me. I have been given miss-information many times by Carrington and there is no accountability when I have to go through the whole case with a new individual with varying degrees of competency every time I call to follow up. Please find a recent email exchange of me asking who my single point of contact is with the usual outcome : " anyone can help ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX Account # 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

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 2023-05-17
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:
Our XXXX  XXXX XXXX XXXX XXXX ( VIN : XXXX ) got totaled due to a crash on XXXX. Our insurance company, XXXX XXXX made numerous requests to Toyota Financial Services to obtain the payoff with no results. We had to be involved too, to send letters and emails to Toyota Financial Services requesting the pay off. Due to unreasonable and deliberate delay by Toyota Financial Services, we had to make our monthly payment in amount of {$730.00}, as the due date of each monthly payment was by the second of each month. Finally, Toyota Financial Services decided to provide the LOG/ pay off on XXXX providing incorrect amount claiming that they have to charge the amount since the date of the accident, although confirmed that they have already received the payment from us on XXXX. Our current unpaid balance at this time is {$33000.00}. Their letter of guarantee states {$33000.00}. My balance right after the crash was {$33000.00}. Up to date they are unable to explain where this {$630.00} discrepancy comes from, as this is not even my monthly payment. We already informed Toyota Financial Services via facsimile and email and phone that they are in violation of California Code, Civil Code - XXXX XXXX. Claim number with Toyota Financial is XXXX. We hereby ask that you conduct an investigation against Toyota Financial Services for inappropriate and fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XXXX {$18.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 there was an inquiry reported from SANTANDER CONSUMER USA that I did not authorize. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry report from XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX another inquiry report was pulled by XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX an inquiry was reported from XXXXXXXX XXXX XXXX that was not authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX  that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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 fraud alerts or security freezes

Complaint:
I am natural living person, consumer ; I am submitting this complaint myself. There is no third party involved in this complaint. Experian has violated me numerous times under the Fair Credit Reporting act.

Pursuant to 15 USC 1681 a ( 1 ), EXPERIAN is impairing me because the banking system needs me. EXPERIAN reporting inaccurate and unfair reports under my name does injustice to me because the banking system needs me. This needs to be fixed in order for me to continue doing business with EXPERIAN.

Pursuant to 15 USC 1681 a ( 3 ), EXPERIAN has assumed the position in assembling consumer credit. You assumed this role, no government gave it to you. This role that you assumed has negatively impacted my life, you put a freeze on my consumer reports resulting in a halt of me NOT receiving credit cards that I qualify for. Experian is not a bureau and took on the role as one, all while violating my privacy which is a violation. You have caused me so much XXXX, severe hardship, and XXXX. 

Pursuant to 15 USC 1681 a ( 4 ), EXPERIAN has failed to uphold their grave responsibilities of reporting accurate and fair Information about me on their website. There are multiple names on my account, that are not me. Also their are multiple addresses on my account that do not belong to me. 

Experian took it upon themselves to freeze my account without my written or oral consent, resulting in the me not receiving a credit card from XXXX XXXXXXXX. I have been unable to get a credit card, which will be for the use of personal, and house hold purposes. You have impeded this for me, which is unacceptable and inexcusable. 

You also infringed upon my right to privacy by having a conversation with a third party, and reported the information as a result from that third party. I am demanding that all information regarding ALL accounts being reported, to report as " paid on time/paid ''. I am demanding that all inquiries past, present, and future be removed immediately from my 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 explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX assigned collection authority over account # XXXX in the amount of {$1100.00} was terminated and per CRA policy must delete their reported collection in avoiding their demonstration of two collections on the same reported debts should any new debt collector ( ie : XXXX XXXX XXXX XXXX XXXX ) obtain collection authority and report to the CRA. Therefore, I dispute the continued reporting of the terminated, unpaid collection. 

Pursuant to 18 USC 8, I owe no debt. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are violating my consumer right to privacy pursuant to 15 USC 1681 b 2. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I tried to close my account with Barclays. I have asked multiple times to get a confirmation email from them but just as before in my previous complaints, they will not send me a confirmation email for proof of termination or any other request I have made. 
I made a final payment of {$3200.00} that cleared my bank on XX/XX/2023. I called them on XX/XX/2023 to check on any other interest charges and make a final payment. They claimed I now owed them {$49.00} and some change. I made the payment on the same day on the phone with their operator. Then I requested to speak with management and have this account closed once and for all. The operator out of XXXX XXXX, Nevada # XXXX who's name is XXXX gave me a confirmation # XXXX verifying the last payment, but did not send me a confirmation email of proof of termination of this card and account as I requested. 
Due to my suspicion of fraudulent activity with this company, I do not trust their hear say at this point and would like them to send me a confirmation of termination without any credit penalties as per my request. They agreed to do so on the phone but nothing has been sent. At this point all I have is proof of the transaction through my bank. Please help me resolve any further issues with Barclays once and for all. I have been through enough aggravation and poor customer service for one lifetime. 
Thank you for your help! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company 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