BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect information listed such as addresses, phone number, accounts, and social security number.

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 2022-11-26
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are 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 Balance Owed XXXX {$1600.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$65.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/2022

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 2023-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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:
This is my follow-up 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 items 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2017 US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 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 2023-10-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian correctly reports I opened an account/tradeline with XXXX in XXXX. However, the payment history reported is false/misleading/inaccurate, as there is XXXX ( XXXX ) payment history reported prior to XX/XX/XXXX. Experian is already reporting false/misleading/inaccurate information for XXXX and XXXX that shows inchoate payment status ( see CFPB Complaint XXXX ). Payment history for account/tradelines persist in credit files for at least seven ( 7 ) years. Failing to report payment positive payment history that existed prior to XXXX denies a consumer the opportunity to show potential creditors they had the ability to pay on financial obligations PRIOR to the beginning of the pandemic, which in XXXX can cause consumers to be denied credit and housing as a result, especially in cases where a consumer might be otherwise be approved upon request for reconsideration citing circumstances such as financial and or medical hardship, for example as RESULT of the pandemic. Thus, the " proprietary '' processes of Experian, which mysteriously causes years of prior payment history to be removed as result of unrelated disputes, unfairly disadvantages those indivdiuals that are XXXX, and/or women with small children, and/or are minorities, ie. those individuals that have been historically marigalized and as such are members of XXXX or more protected classes, and who were statistically more likely to experience financial and/or medical hardship during the pandemic. What Experian is doing is the epitome of discrimination. Overall, this account is not being reported with maximum possible accuracy because there is information missing for months prior to XXXX of 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 2023-05-01
Company: Experian Information Solutions Inc.
State: KY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is FB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The phone number is XXXX. Just wont report it in XX/XX/2022.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/18 my wife XXXX and I entered into a lease agreement with Toyota Financial Services for a new XXXX XXXX for 3 years. At closing, I was asked if we wanted GAP insurance and given a price of approximately {$30.00} per month. I knew the price was high and asked if it was cancellable at any time. Finance Manager XXXX XXXX said that was indeed cancellable at any time. So I agreed to purchase this GAP coverage. 

On XX/XX/18 my wife called the dealership inquiring into cancelling the policy. She was given an XXXX number, called it, and was given a fax number and instructions to hand write ( and sign ) a note asking the policy to be cancelled. Attached is a copy of that letter and fax delivery confirmation. 

Now, Toyota Financial is saying that not only have they not received the request ( this is a minor concern, as I have reiterated the request through a secure message on their website ), but that upon receiving the cancellation notice, we will continue to pay the roughly {$30.00} per month for the GAP coverage for the duration of the lease. This amount will come off of the principal balance of the car at the end of the lease agreement. 

1 ) I lose the time-value and interest on this money, which is of course outright robbery, that these finance managers at Toyota pretend not to even understand this concept. 

2 ) When I asked if the GAP was cancellable, and was told yes, at any time any reasonable person would not assume that this monthly bill would continue on until the end of the lease. At a minimum this is highly deceptive and reckless ; what is very likely is that it's a scheme to steal from people through dishonest practices. At the very least, this arrangement should have been disclosed ( i.e. " yes, its cancellable, but you are locked into this exact payment, and we return the excess payments through reduced principal at the end of lease '', for example ), and if it had been disclosed and I was fully informed of the arrangement, I definitely would not have agreed to purchase the coverage. This lie, this deceit, changed my purchase decision entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer money between two Bank of America accounts using their web site. The transaction was prohibited UNLESS i had a debit card. However, I do not have and I do not want a debit card. In the past it was possible to make transfers, but they have now added this restriction. I was told that I could visit a bank branch and conduct a wire transfer for a {$30.00} transaction fee. But I would greatly prefer to not do that either. 

It seems it is easy to deposit money, but moving money - even between accounts within their own bank branches- is now impossible.

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 2023-10-21
Company: EQUIFAX, INC.
State: NY
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 believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM XXXX XXXX XXXX  Ive notified the police in reach out to the company in no action has Been taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed both credit cards I had with because I missed the deadline for this company to do a irs consent form for my taxes. I was told this could be fixed by doing the IRS consent form 4506-c from XXXX. Since I know I did my taxes in 2020 I went ahead and submitted the form back on the XXXX of XXXX. I waited for a month and haven't gotten no response from neither the IRS or discover. After not getting response I was told I would have to restart the process so, I did the submission for the 4506-c form again on XX/XX/XXXX, the same exact process that discovered required which was via email. Once again, I've waited another month expecting a response from someone and took the initiative to call discover on a weekly basis about this matter. Every representative told me that it's processing and to wait. This issue is still continuing till today, I've called discover again and they had me repeat the process for a THIRD time and I made sure it everything was correct by going to my 2020 tax transcript. I called IRS trying to see if I can figure out why it is taking so long for a response when I was told it usually takes 14 business days, whereas, I'm having to wait 3+ months. Discover has really put mine a bind with this situation and I really need this to be resolved with my accounts being reopened especially when I'm trying to do my part on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 non-monetary relief
Consumer complaint received 2021-06-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: MI
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:
I never gave Equifax XXXX or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a 2018 medical service for my deceased wife. She was billed in 2018 and after the payment was made in full the provider sent an additional request for payment. When the collection appeared on my credit report in 2018, I immediately disputed the account informing all three that the medical service wasn't mine. Of the three reporting agencies XXXX immediately removed the collection, Experian and XXXX refuse to remove the account from my credit report. Recently I contacted Experian and informed them that my wife had passed in XXXX of this year and the collection, which wasn't mine anyway, should be removed. They declined and it remains on my credit report. I haven't contacted XXXX over this issue but would expect the same result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.

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 2023-10-23
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I recently filed a complaint with this CRA in regards to XXXX XXXX and XXXX XXXX and XXXX XXXX and submitted all necessary documents on XX/XX/2023. The company closed this case. They did not block the information as requested so I called and spoke to a supervisor by the name of XXXX operator XXXX and they are stating that the CFPB did not provide them the complaint and my documents. I gave them the complaint number and they still deny receiving this from you all. It has been over 30 days and this account needs to be removed. They also removed a XXXX XXXX account that I did not dispute. I also submitted paperwork from the company XXXX XXXX where they did an investigation and deemed the account fraudulent and requested removal and they ignored that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: Profit Services Group
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: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed on my credit report. I show an alleged collector Profit Services Group Account number XXXX. I have never seen or heard to this collector and I have not received and information that has verified such debt in the amount of {$1200.00}. I this alleged account is a direct voliation for FDCPA and has not been verified and has cause due harm to my credit. Please delete this account.

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