BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a vehicle from XXXX XXXX in XXXX va. This dealership was very unprofessional and illegitimate in their business. After being confused about my contract, I went to the dealership for help, and once they caught on to the fact I was asking for to much information. They were pawning me off to several different employees with various different titles, from the sales man XXXX, finance director XXXX, and general manager XXXX. After I was not giving all my documents and was told these documents were not kept in house and were telling I needed to come back another day or wait for a call. So I finally had another person provide me with all my documents they were trying to not release to me. I got out that they charged me for a package I never signed for and wanted, and the double charged me a {$990.00} freight fee. The general manager and salesman said they are allowed to do what they do, they can sell the call whatever price they want to. They can not redo my deal because apparently made multiple payments, and they can give me a credit but wont admit to adding to freight fees but they said they are allowed to sell a car however they want to. That my car was a hot car in demand, which it was not and sold it over sticker price. I believe if they so casual say things like this and act shady and hide your documents, this business should be looked into for fraud. 
I have attached I link to all my documents I shared with my military attorney. a email from him advising legal action under the military lending act for fraudulent business and reference to a attorney handling a similar MLA case but hasnt heard word back. This attorney does work for the cfpb and name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: A & J COLLECTION
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Yesterday, Wednesday XXXX XXXX XXXX, I received 2 letters by regular mail, both dated XXXX XXXX XXXX, from XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and from A & J Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX no matter A & J Collection Agency Inc. address is written in the letter, as located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Both letter are bout the same problem I already filed complaints here to XXXX XXXX and XXXX. XXXX XXXX XXXX does not recognize my Internet and residential phone service was without contract and pre paid : I was not under any contract forcing me to stay for any specific length of time with their service of Internet and phone, precisely because it was without contract. As previously informed, I had no problem with XXXX until XXXX decided to change without any kind of notification, to change the original terms of the no contract pre paid agreement I had, which only required to pay the next month before using the service, there was no way to accumulate months of debt, because every month was paid in advance. When I stopped paying, was not that I owed any amount, it was simply I was not going to pay the next month, the no contract terms does not obligate me or anyone, to stay for any additional month, and there was no cancellation requirement properly notified to myself by XXXX at the time of this agreement back in XX/XX/XXXX. I was never notified of any change to the original agreement, so I was never aware of any change of their terms. The problem started when I stopped paying, meaning they changed the agreement as an unlawful way to try to force me to keep their service by paying next months, presenting a false debt now of {$180.00}, which is bigger lie than the previously false debt reported, which is only accumulated when someone has a contract requiring to stay additional months, if not only under contract applies a penalty, BUT THAT IS NOT THE CASE HERE THIS WAS A WITHOUT CONTRACT PRE PAID SERVICE : IS IMPOSSIBLE TO PENALIZE ANYONE FOR STOPPING TO PAY NEXT MONTH WHICH WAS NEVER USED. Previously submitted documents and new original letters received in XXXX are included.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS put cfpb and I in work They send letter that they are research in Its a big lai They never done anything Research what???????? 
This is just to kill time so on XX/XX/21 sell my home Today I found out SLS Attorney told SLS to not to respond to this account Thats why the phone rep was very sleepy dont know anything What ever we asked her her answer was I dont know let me research just killing times Thus persona is suppose to be helping me with my mortgages problem 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 2021-05-07
Company: Experian Information Solutions Inc.
State: SC
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 been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies XXXX, Experian, and XXXX. 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC 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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : OAG CHILD SU 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 2023-04-09
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an unsolicted card from Chime on XX/XX/ that was a debit card. They were somehow able to get my name and address on the card and wanted me to activate an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2021, I contacted XXXX  and Equifax to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but XXXX  and Equifax keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail the week before XXXX stating that my SSN was flagged. I mailed off the letter and then I received an email on XXXX the XXXX stating that my account would be closed on XX/XX/XXXX unless I filled out the information. I immediately went online and filled out the paperwork, I sent it signed along with my ID and my SSN, I submitted my information on XXXX. I also called Chime multiple times throughout the 2 weeks and was told it was " high call volume '' and was put on hold for over an hour each time. I tried to do customer. No one responded back to me. I called 3 different times on XX/XX/XXXX and waiting over XXXX minutes each time. I emailed multiple times with no response. Then XX/XX/XXXX I go to look in my account at XXXX pm and was told my account had be cancelled and the Chime app logged me out. However I just used my Chime card 3 hours prior to that. I have called and email multiple times with no response, their is no actual human to talk too. You can't use the chat feature unless you are a member and because my account is closed they will not let chat with anyone. Chime is withholding my money from my checking account ( {$190.00} ), my savings account ( {$25.00} ) and my credit builder account ( {$9.00} ). I have been a loyal member of chime for almost 2 years and have never had a problem with them until now. I also think its odd that I have 3 different bank accounts yet somehow chime is flagging my account stating that my SSN is wrong. Ive sent everything Ive needed too and I've exhausted every resource I possibly can. Thankfully this is a backup account and I only put a little money in at a time, however this is still MY money that I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: NY
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: CA
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent. 
According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely Equifax, XXXX, and XXXX, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your immediate attention and resolution of these matters. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Open : XX/XX/2020 Amount : {$550.00} Company Name : {$550.00} Date Open:XX/XX/XXXX Amount : {$2200.00} I am a victim of identity theft and have reached out to the companies several time with no success. I would like these fraudulent accounts removed from my credit report. The accounts do not show up on all credit bureaus. 

There are several inquires also that I did not authorize I will list them below. 


Company : XXXX XXXX Date : XX/XX/2020 Company : XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2020 Company : XXXX XXXX XXXX XXXX XXXXA Date : XX/XX/2020 Company : XXXX Date:XXXX Company : XXXX XXXX XXXX, XXXX Date XXXX XX/XX/2020 Company : XXXX XXXX  XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX, XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX XXXX Company : XXXX XXXX  XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXXXXXX XXXX Date:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.

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 2022-01-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Phoenix Financial Services LLC
State: IL
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:
This company is billing me for something I have no knowledge off and I have had it removed from my credit before and they put it back on my credit profile under a different collection company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation