BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2020-06-12
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called to make a settlement of 50 % of the account and they refused to take the 50 %. I was then screamed and yelled at about not having money to pay for something she thought was " reasonable ''. She then proceeded to hang up in my face and refuse to answer the phone for me to make the debt. I tried explaining to her my position and she continued to bagger me about me and demean my character. Very unprofessional, very nasty and rude! Never sent any settlement information for the settlement that was discussed " XXXX $ '' trying to hassle more money out of me than that apartment is worth. XXXX plus dollars! They keep saying the offer still stands for 48 hours, and then the next offer they give is the same amount, after the 48 hours. But they don't want to give me my original quote!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NJ
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:
Since XX/XX/XXXX, My wife and I discovered some accounts on our credit report that did not belong to us, we I did not open any of them, since then we have been dealing with an issue with Identity Theft. On XX/XX/XXXX, we individually to started to dispute these accounts with the Credit Bureaus, after a few months, on XX/XX/XXXX, we went to file an Identity Theft Police Report, after a few weeks we got the report, since then I have been disputing these accounts over and over with the Bureaus, unfortunately, there is still an account remaining that for some reason the Bureaus refuse to remove, even that I have that account listed on the Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
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:
To whom it may concern : I am formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards in order to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got my new car in 2018 it was a XXXX XXXX. It was purchased in XXXX XXXX Missouri at XXXX XXXX. over the course of the loan since 2018 I have had six payment extensions where I skipped a payment. I also made a few split payments, but I was never late once on the loan now I am being told that at the end of the loan, a.k.a. the maturity date that I will still have a balance due of approximately {$5200.00} Toyota financial services, which is the company in question can not explain where these fees come from with any certainty and is getting outright hostile with me by telling me that its not their responsibility to tell me where the fees come from. I do have a high interest rate on the car which is something that I excepted when I bought it. I would understand if there were some fees involved with extending the life of the loan, but definitely not to the tune of {$5200.00} if I could get some help with this, it would be greatly appreciated. Theyve already tacked six more payments on to my loan as it is so Im not understanding how you can then also double dip and charge interest for the extensions as well when I called them they dont have my loan contract nor do they have any revised contract, showing the new stipulations after the extensions that I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: V and H Portfolio
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed these items a while ago about Vance Huffman Account # XXXX. 
After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned to my XXXX account and creating more harm to my report and current life-style. As per mandatory by the FCRA & 611 ( 15 U.S.C & 16811 ) its required that I am sent ( within 5 days ) a certification of accuracy and notice of the updated information associated with this debt from my credit report instantly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
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:
How can child support be reporting on a credit report when its considered to be a Judgement from the courts. 
I now demand these accounts be removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: LEXISNEXIS
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX my parked car was hit by another driver. We went through the claim and everything was settled by the driver 's insurance. 

However, when my insurance renewal comes up, the insurance company informed that a clue report generated by LexisNexis shows that there is at fault accident and suggested that i need to corrected with Lexis Nexis. 

I have contacted Lexis Nexis and provided the police report in addition to the check sent by the driver insurance. However, Lexis Nexis is refusing to correct this mistake. 

LexisNexis failed to update its records especially during this time, despite being sued many times over the years for the same reasons. ( Adams v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2010 WL 1931135, at *9 ( D.N.J. May 12, 2010 ) ( denying LexisNexiss motion for judgment on the pleadings ) ; Berry v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2014 WL 4403524, at *1 ( E.D. Va. Sept. 5, 2014 ), aff 'd sub nom. Berryv. Schulman, 807 F.3d 600 ( 4th Cir. 2015 ).

We urge Consumer Financial Protection Bureau to revoke Lexis Nexis license to store and sale consumer data as it has proven again that it doesn't adhere to the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq Consumer Number : XXXX Case Number:XXXX Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services is my mortgage servicer. I have paid down a large amount of my loan and requested a recast of my monthly payment on at least XXXX occasions. They refuse to honor my request. 

www.bsifinancial.com myloanweb.com/BSI

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Had a Sams Mastercard issued by Synchrony Bank. Last four are XXXX. Valid thru XX/XX/XXXX. 

SYNCHRONY BANK CANCELLED THIS CARD WITHOUT MY KNOWLEDGE. 

Synchrony claims my card had been reissued as a SamsMastercard Elite last XXXX XXXX and it had been sent months ago. Never received. They printed the same card and resent it via mail due XX/XX/XXXX. Never received. They did cancel my Sams id number. Got a new one.

SYNCHRONY KEEPS BLAMING THE POST OFFICE. 

Reordered card to be delivered via XXXX. 

Credit score is over 800. XXXX XXXX in full. 

Perhaps Synchrony is not making enough money on my card. 

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 explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: OH
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:
Good morning. 
I am at wits end regarding my credit. THIS IS MY 5TH FORMAL COMPLAINT WITH CFPB AND EXPERIAN. Experian continues to list wrong information on my report for my sister, XXXX XXXX. Last year it was her student loans, which prevented me from getting a Refi on my house. This month, its my sisters car payment, inquiries to purchase cars! Someone at Experian accidentally merged my sisters credit report with mine over a year ago, and I contacted the consumerfinance.gov, and filed a Complaint, now I have contacted the Ohio Attorney General since you keep closing my complaints and marked as resolved. They are not resolved. Every month, for 6 months I filed a complaint after Experian replies and indicates " no problems here '' - and " Credit is not merged '' - But every month, I get a notification from Experian telling me that my report dropped 100 points, and it shows my sisters outstanding loans. After my sister got approved for SSDI late last year, she applied to have student loans removed from her report, and for a few months its been quiet. It appears that the student loans are off of my report. No. 

In XX/XX/XXXX, she applied for a rental apartment, and that shows up as a inquiry on my report, and in XX/XX/XXXX, XXXX did an inquiry, and XXXX, an auto loan company gave her the loan for the car she purchased thru XXXX. These are now the most current companies on my report. 
My credit report has been damaged, and I have lost money because of these continual errors, and Experian has not fixed them. I am now in the process of SPENDING MORE MONEY and hiring a Consumer attorney for my monetary damages! 
I applied for a ReFi with XXXX XXXX on my house last year, and the day of closing, my sister 's student loans popped up thru Experian, but not XXXX  or XXXX, so I was denied the loan, and had to cancel my contractors who were doing a rehab on my basement, and I am further injured because my credit score drops 100 points every month, and then 2 weeks later it goes back up when they realize their mistake. But then every month at the end of the month, they put her credit info on my report, and then 2 weeks later, they take it off. This has been going on for over a year, making it impossible for me to continue to get a ReFi on my house. THIS IS MY LAST NOTIFICATION TO DOCUMENT ALL THE TIRELESS EFFORTS THAT I HAVE TRIED TO SETTLE THIS MATTER WITH EXPERIAN. NOW I AM GOING TO GET ALOT MORE THAN JUST MY ATTORNEYS FEES PAID. THEY HAVE INJURED MY FINANCES, MY CREDIT REPUTATION, AND HAS PREVENTED ME FROM NOT GETTING LOANS BECAUSE OF THEIR ERRORS. 
Complaints filed with CFPB re : Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/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 non-monetary relief
Consumer complaint received 2022-11-15
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2023-05-30
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card company processed duplicate transactions for 2 separate transactions. I tried to resolve the issue multiple times with their customer service department, but their system disconnects me. 

I attached a screenshot showing the 4 transactions on my online portal and I also attached the statements showing 2 transactions. The transactions were to a company called XXXX XXXX. See the attachements.

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 monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} 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 2022-11-15
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 explanation
Consumer complaint received 2023-08-17
Company: Comerica
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I noticed over 50 unauthorized transactions on my statement and they all were to XXXX and my debit card wasnt even linked to XXXX. The bank associated with mu account only issued a refund for {$110.00} and I was told that XXXX is trying to take that money too even though I have locked my bank account and i have contacted XXXX and they are ignoring me and my bank says that they are pretty much not going to give me my money back. My bank is Comerica bank direct express is the card linked to this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$0.00}

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 2023-03-06
Company: Experian Information Solutions Inc.
State: HI
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:
I sent a Letter to Experian Dispute Center on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 

These are clear violations of my federally protected rights.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 North Carolina XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 100 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

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