BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Toyota Motor Corp has responded stating that they are reporting accurately I have stated several laws that they have violated they have stated that I signed paperwork please provide me with the original paperwork that I signed giving the authorization to report to the bureaus also GLBA stated that I am supposed to be notified of options to withdraw from reporting y personal information please provide paperwork where you have given me the options to withdraw from reporting my info if not provided in 10 calendar days remove late payment and change to current status immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I dont underdtand what has happened or is going on today I tried to login and it wouldnt let me and I called and they said they closed my account this is not fair for no reason Ive always been a good customer and never gave a reason for them to do this to me when I was told this I was surprised and asked why this was done and when they didnt even tell me horrible experience how this bank treats its customers and then does this to me I cant believe this its not nice this shouldnt be acceptable I didnt do anything wrong please help me

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 2022-09-10
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Asked company to stop calling. Still was receiving calls.

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 2021-10-13
Company: SECURITY FINANCE CORP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Security Finance Corporation sold a debt ( I DID NOT OWE ) to XXXX XXXX XXXX. I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

When I contacted Security Finance about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that Security Finance was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to Security Finance who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

Security Finance inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with XXXX XXXX and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false

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 2019-12-02
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there is XXXX  XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had XXXX XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX  and XXXX bank promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: AR
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 reviewed my consumer reports and I noticed that I had 4-5 late payments on my accounts that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX  account # XXXX. Please investigate and provide proof with statements showing that these payments are late.if proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019 filed Bankruptcy chapt.7. Items not to be reported and a stay was on the account until XXXXXXXX XXXX Paid as required. Then COVID occurred. Called Capital One Auto Finance, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: HCFS Healthcare Financial Services of TeamHealth
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: Their investigation did not fix an error on your report

Complaint:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

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 2023-03-26
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I sent {$2200.00} via Cash App for what was supposed to be my rent of {$2200.00} and the remainder a service fee to the rental company. The rental company turned out to be a scam. They stole my identity as well as my son 's. They made numerous charges to my bank account and I have been homeless for the past 2 months, eating very little, just trying to survive. I lost my job 3 days after the apartment deal fell thru. I have tried diligently to resolve this issue with my bank, they have refused, repeatedly taking the side of the scam artist XXXX  from a foreign country. I found out last week when the XXXX XXXX Sheriff 's Office here in Florida called me to let me know that after an extensive investigation, the preparators are not United States citizens, but currently operating their scam from the island of XXXX. 
I needy money back. I need to get back into an apartment with running water and I need to find another job. Please, please help me get my funds back. I did what I was supposed to do. I thought this company was real, they had a physical address, the people I spoke didn't sound odd, they sounded like locals. I just moved here and this has been a waking nightmare for my son and I. It's just us, my husband died a few years ago and I wanted a fresh start.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 XXXX 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 information in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
NOTICE to TRANSUNION COMPLIANCE DEPARTMENT I am a Federally protected consumer and I have rights under the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ) accuracy and fairness of credit reporting is a vital role in my wellbeing. TRANSUNION assumed this vital role and have failed to lawfully comply under the fair credit reporting act ( FCRA ). TARNSUNION have caused me harm and damages by failing to provide lawful authority or my consent to furnish inaccurate and FRAUDULENT accounts to my consumer report or consumer file. TRANSUNION is storing or maintaining or sharing my nonpublic personal information without lawful authority or without my express written consent which is a violation of my consumer right to privacy. TRANSUNION uses my credit information it has collected unlawfully in my consumer credit files to generate consumer reports, including credit reports, and makes such information available to non-affiliate 3rd parties such as commercial users, lenders, insurance companies and potential employers for monetary gains without lawful authority or my express written consent. As such TARNSUNION unfair, deceptive, unauthorized use and Fraudulent activities have caused me harm and damages to my livelihood. 
This is my written notice to you warning you to stop your unfair, deceptive, unlawful, and abusive activities. If you continue to cause harm to my livelihood, I will report you and file a federal complaint for defamation of character. Please note that any information or correspondence will be used if needed as evidence. 
I am demanding these fraudulent, inaccurate, and unauthorized accounts be removed or deleted from my consumer file or consumer report upon the receipt of this notice. 
DELETE OR REMOVE THESE UNAUTHORIZED ACCOUNTS FROM MY CONSUMER REPORT OR CONSUMER FILE IMMEDIATELY. 

1. ACCOUNT NAME : XXXX XXXX  2. ACCOUNT NAME : XXXX XXXX XXXX 3. ACCOUNT NAME : DEPT OF ED/XXXX  4. ACCOUNT NAME : XXXX 5. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT NAME : 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 2021-01-20
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notification from XXXX XXXX XXXX in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " Synchrony. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When XXXX emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " Sychrony. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

XXXX followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

XXXX is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.

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 2021-01-20
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
THE US DIRECT EXPRESS DEBIT CARD PROGRAM HAS STOLEN {$35.00} FROM THE ACCOUNT. THEY HAVE NO DETAILS BECAUSE THEY SHOW THE AMOUNT AS A PREVIOUS ACTIVITY FOR XX/XX/XXXX, BUT THE ACCOUNT WAS NOT ACTIVE UNTIL XX/XX/XXXX WHEN MY SOCIAL SECURITY MONEY WAS DIRECT DEPOSITED TO THE ACCOUNT ; SO THERE COULD NOT BE ANY ACTIVITY IN ARREARS AS THEY CLAIM. THEY ARE NOT SUPPOSED TO ASK ME FOR VERIFICATION OVER THE PHONE ABOUT ACCOUNT DETAILS BECAUSE I SENT AN INTERNAL EMAIL TELLING THEM TO GIVE THE MONEY BACK ; BUT THEY CLAIM THEY NEED ME TO VERIFY BY TELEPHONE. SOCIAL SECURITY AGENT THAT SET IT UP TOLD ME DO NOT GIVE THEM ANY INFO OVER THE PHONE BECAUSE LOG IN IS MY VERIFICATION. THEY WILL NOT PUT THE MONEY BACK INTO MY BALANCE TOTAL WITHOUT ME GIVING MY PERSONAL INFO OVER THE PHONE TO THEM. THEY ARE CONTRACTED BY THE FEDERAL GOVERNMENT AND HAVE SET IT UP TO STEAL. THE ON SCREEN TRANSACTION HISTORY TOTALS ARE NOT EVEN ACCURATE BALANCES AT THE TIME OF TRANSACTIONS PROCESSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2021 I sent you letters regarding those inaccurate information but, to this date, over a month has passed but I still havent heard anything from you. What's going on with my dispute, I have been sending you letters but it seems that you are not taking my words seriously, I heard you are trying to save money ignoring consumers dispute letters, I am seeking help to every entity that can help me regarding this matter, I am willing to go as far hiring an attorney if you continue to ignore my letters.

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 2023-01-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted lvnv funding llc by certified mail and I offered them {$350.00} to settle in lump-sum amd they did not respond at all. But yet continue to report on my credit report. Also they shared my personal information with a XXXX party servicer without my consent or my knowledge. Their collection letters state to choose my response for it may affect my rights. " Please read the following notices as they affect your rights '' is this a threat? Well they decided not to meet my disputes and have a 3rd party servicer contact me again. resurgent capital services. They violated my cease and desist request, which I certified mailed back in XXXX, which I have the exact date and receipt upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: Financial Management Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have reached out to this company & requested proof of all documentation linking me to this collection account. I have also requested FMS FINANCIAL agreement stating they work IN HOUSE for the original creditor XXXX XXXX and NOT a third-party debt collection company that bought the debt with the Name, and time of Verification. Per request, this company added an inquiry on my consumer report which also violated 15 USC 1681b ( Permissible Purpose ) which states No inquiries should be reported that IS NOT attached to an open account. This account federally violates numerous CFR & USC and I demand it be removed immediately. 

This company also unlawfully served a summons for court to an address I have not been associated with since XXXX grade in high school. I requested the third-party company who DID NOT do the work to ensure I was associated with this address or anyone living at this address. FMS FINANCIAL SOLUTIONS continued with the court hearing without my knowledge. They WON OCT. XXXX. The only reason I was made aware of this is because they violated me as well as The Privacy Act of XXXX and put this on my credit. A debt I never received the knowledge of me needing to discharge {$20000.00}

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XXXX XXXX$100.00} 2 ) XXXX {$100.00} 3 ) XXXX XXXX XXXX  {$470.00} 4 ( XXXX XXXX XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}

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 2021-01-07
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: Information belongs to someone else

Complaint:
I am very stressed out and please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove and recheck wrong accounts in my credit report. I would like officially to complain about as I do not recognize these accounts and inquires I have never gave any permission to any companies. Its pure 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