BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: SYNCHRONY FINANCIAL
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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with AMAZON. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with AMAZON for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : 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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 2023-06-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My XXXX XXXX  passed away, under tragic circumstances, in XX/XX/2023 and had an auto loan account with Toyota Motor Credit dba Toyota Financial Services . I called the number listed on one of the billing statements to advise them of his death the first week of XXXX and upon receipt of his official certificate of death, it was emailed to them on XX/XX/2023 and I even advised where the vehicle could be located which the attached email correspondence will support. 
According to the credit bureau update that has been included as well, they were fully aware that my XXXX was deceased and yet, another billing statement was issued on XX/XX/XXXX -- - 30 days after they were informed verbally and in writing. I spoke with XXXX in Collections/Customer Service and then XXXX in the Redemption Department on XX/XX/XXXX, the day the letter was received, and formally complained to them both about the egregious mishandling of my XXXX XXXX account. Both employees advised that because I was an unauthorized third party, they couldnt comply with my request to indefinitely suspend billing cease statements, despite knowing my XXXX was deceased. By far, the most ludicrous explanation ever. To make matters worse, a redemption letter was received in the mail today, dated XX/XX/XXXX, one week after I contacted Toyota Financial Services for the 3rd time, indicating the steps my deceased XXXX can take to recover his repossessed vehicle. 
Toyota Financial Services is one of the largest auto loan companies in the country so why dont they have deceased notification protocols in place and governing control checkpoints to ensure compliance and adherence to those standards? Toyota is the only creditor who has demonstrated such an abhorrent lack of empathy, unprofessionalism and insensitivity as it relates to this matter. In fact, upon verbal and written notification, all of my sons other creditors immediately ceased ALL written correspondence and provided confirmation that his account would be closed, and their records would be denoted as uncollectible since there's no estate. Why a request to cease and desist, under the circumstances, is being ignored by Toyota Financial Services is incomprehensible and unacceptable. Being compelled to revisit this situation is distressing and has compounded the trauma of losing my son. Be advised, a formal complaint was also filed with the State of TX 's AG Consumer Protection Division as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
According to the Fair Credit Reporting Act : The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. these liberties have not been afforded to me. I must be told if information in your file has been used against you. I have not been informed accordingly as well credit reporting agencies must correct or delete inaccuracies, incomplete, or unverifiable information. Also it states consumer reporting agencies can not report outdated negative information.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Account Name XXXX, XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-10-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: KS
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:
My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA 611 ( a ) ( 7 ) for you to furnish copies of all documents you used to verify the accounts listed within the 30 days allowed by FCRA law or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, 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:
On XX/XX/ I send a registered mail letter to credit bureau they have not responded. Second letter XXXX XXXX see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried a couple of times to get this handled through the Companies, that I'm filing a complaint against. I have give them proof that the Bankruptcy Courts in Kansas do not report any type of information to them. They keep trying to say it is verified, when in fact I have a letter proving that they do not report to the companies my complaint is about. Which I will provide my proof to you, in the upload files. I am demanding that these are removed at once, or I will seek legal action and will report it to the Attorney General in Kansas.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing 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 2023-06-02
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX I used CashApp 's mobile check deposit feature to deposit a check for {$720.00}. 
CashApp has since taken the check but has NOT made the funds available to me. 
They refuse to tell me what's going on. They refuse to make the funds available to me. They refuse to cancel the deposit so I can take my check elsewhere and the account the money came from says it was cashed. 
They do NOT respond to their Chat complaints feature, which just keeps sending me a message saying I will have my funds in 4 days. That was over a week ago. 
They can not tell me when it will be available. They refuse to cancel the deposit so I can take my money elsewhere. 
And when I call CashApp, they tell me there's nothing they can do before hanging up on me, refusing to let me speak to a supervisor or manager. 
They refuse to even acknowledge my letters and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hope this email finds you well, I deposited on the I deposited on the Drive thru ATM on XX/XX/1928 XXXX $ bills the receipt printed showed XXXX $ this is in correct. I just received a letter from the claim department saying they completed the Investigation and the couldnt find my money, they will be removing the credit that was given. This is insane!!!! That was the money I deposited XXXX x XXXX $ bills on the deposit window first time I deposited such of big amount on the ATM. The receipt I got said XXXX that was incorrect, Called Chase they Gave me the credit, now they are removing the money stating no money was found, and this claim was opened with a Police report, I just cant believe this is happening with chase, XXXX cant trust my Bank? Honestly this is insane, I just cant believe it! 
Please help. 
Best Regards. 

XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is the only agency that is reporting an inaccuracy on the following account number # XXXX. Pursuant to the fair credit reporting act, to be more specific, 15 U.S. Code 1681e, it states that consumer reporting agencies must maintain maximum possible accuracy, however Experian is in violation as they are the only agency reporting inaccurately. Attached is the exhibit.

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 2023-06-02
Company: Roadrunner Account Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being. I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. Thank you for your understanding and cooperation in this matter. Sincerely, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I turned to Equifax for help and clarification. I was subjected to rudeness and the supervisor abruptly ended the call with me ( permanently putting me on hold ). I applied for a pre approval on a mortgage through XXXX XXXX XXXX. I was told by XXXX XXXX  XXXX on XX/XX/XXXX that based on their report I had collections from the Department of Ed. This is incorrect. I have a letter from the Department of Education from XX/XX/XXXX stating otherwise. I called Equifax on XX/XX/XXXX. I was told they saw it on my report and I had to dispute it. I called the Department of ED on XX/XX/XXXX, they said this is incorrect and my account should not be listed in collections. I then sign into the Equifax website, the website said I had no accounts in collections. I then called Equifax 3 times of XX/XX/XXXX. I was told different things based on the agent. The third time I called, the agent asked me to email my social security card, drivers license, and a selfie. I told him I do not feel comfortable with that and asked to speak to his supervisor. I explained everything to the supervisor, he was extremely rude and said he would not help me. I would have to mail my social security card and drivers license. I expressed my concern and frustration. I sent them something a year ago in the mail and they dont have record of it. Why would I send information as personal to them again? He then hung up and ended that call. I filed a dispute online, even though it says I dont have the account in collections. I am sickened and frustrated. The mortgage company pulled 3 different credit reports, Equifax was the only one with the collection listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Chime Financial Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX dollars on XXXX XXXX to the wrong contact number in my phone and chime said they can not cancel or refund my money and the person doesn't want to send it back I am filing a complaint against chime because they are my financial institution and not helping me

Company response to consumer: Closed with explanation