BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: NAVY FEDERAL CREDIT UNION
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:
Please take notice that you will be receiving written correspondence via certified mail. 
This is to inform you that I am conditionally accepting the offer to settle an account ending in XXXX if you can provide me the accounting ledger that shows that you extended me credit. The account that has been sent to charge off status on my credit report was funded by my own federal reserve notes. NFCU never extended me any credit so I do not owe a balance. I utilized my own XXXX which are in no way shape or form of obligation of yours. In addition to you have incorrectly reported this on my credit report as a charge off when the XXXX used to fund the account was never yours to account for so there for you can not lose a charge off a debt as a loss that was never yours. In addition to charge offs are income according to the IRS and I have not received a 1099c in the mail. I will be also submitting this complaint to the IRS XXXX XXXX XXXX for further review. 

I am demanding that you remove this account from my reports. I am also demanding remedy totaling {$700.00} for inaccurate and unfair credit reporting. 

Failure to provide remedy and/or provide me an accounting ledger will possibly lead to litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name {$480.00} XXXX XXXX {$180.00}

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
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 2023-03-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I originally financed a XXXX Mazda CX-5 my interest rate was lower because of XXXX XXXX XXXX XXXX. I traded in the XXXX Mazda CX-5 for a XXXX Mazda CX-5 in XX/XX/XXXX. Mazda Financial stated because I was currently on XXXX XXXX XXXX XXXX, at the time of my trade I didn't qualify for a lower interest rate under SCRA and had to come off my current orders and be place back on XXXX XXXX XXXX before they could lower my interest rate. My XXXX XXXX XXXX XXXX, at the time of financing the XXXX Mazda CX-5 was for six months, starting XX/XX/XXXX, and ending XX/XX/XXXX. Once those orders ended, I received new orders for a year that started on XX/XX/XXXX, and currently serving on XXXX XXXX XXXX until XX/XX/XXXX. I reached out to Mazda financial on several occasions and sent my current orders but was told I still didn't qualify to have my interest rate lowered. All my payments were current, but I was denied the lower interest rate under SCRA. This caused a financial hardship, and I filed XXXX XXXX XXXX in XX/XX/XXXX. I reached out to keep my payment with Mazda financial current but due to the XXXX they refused to accept any payment until my XXXX was XXXX on XX/XX/XXXX. I spoke with Mazda Financial, on XX/XX/XXXX, and they stated that because of my XXXX I do not qualify for a lower interest rate under SCRA. I asked why I didn't qualify for SCRA when I received new XXXX XXXX XXXX before filing XXXX but was told I was on XXXX XXXX prior to financing the XXXX Mazda CX-5 even though the orders ended, and I was placed on new XXXX XXXX XXXX. Mazda Finacial couldn't tell me why I didn't qualify for a lower interest rate back in XX/XX/XXXX even though I sent my XXXX XXXX XXXX in several times. Mazda Finacial has stated I could make one payment and have the two lates payment put on the back of my loan to make me current but now stating I do not qualify for that and need to make all payments immediately. I would like Mazda Financial to lower my interest rate and apply to my loan dating back to went I originally was place on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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:
Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different information. 

**3rd request. Again they still have not unfrozen my account. The automated system is not correct and is stating its not frozen but anyone trying to pull my credit is advising differently.

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 2020-08-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I opened a TD checking account with a promotional offer of {$300.00}. I completed the requirements on XX/XX/2020 as shown on my statement. TD Bank is refusing to honor the bonus due to the fact that my account was opened when the promotion wasn't active. This is completely false. I have attached the promotional terms on the day I opened the account showing the offer expires on XX/XX/2020. The offer is still active now at https : //checkingbonus.tdbank.com. 

I also attached messages showing my attempt to resolve with TD where they made their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-01-11
Company: Experian Information Solutions 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:
Experian has unlawfully added information that link me to other accounts that do not belong to me. I have never used XXXX or XXXX because I am not the son of XXXX XXXX And I have no children. My name is XXXX XXXX XXXX. Without warning Experian is sending me information addressed to XXXX. I have spoken directly to agents and in writing, I submitted requests correcting this information. For Gods Sake Experian get it together

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 2019-12-03
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS Collection company has reported a debt of XXXX to my credit report for and unpaid amount of from and insurance company called XXXX XXXX. I never have been insured with XXXX XXXX neither do I own a vehicle that was insured through XXXX a XXXX XXXX XXXX. I am highly upset after speaking to many representatives through this company and not being able to help resolve this issue. I have explained to this agency that this debt does not belong to me only for them to say, the person whom owes the debt will need the debt to be paid before it can be removed. I am filing a complaint for this matter of false information being reported on my credit without any of my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
number XXXX XXXX accordance with the fair credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right 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 Account 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 2023-06-20
Company: EQUIFAX, INC.
State: TN
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:
EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. I HAVE MAILED SEVERAL FRAUD DISPUTES OVER A MONTH AGO SEVERAL TIMES AND THE MAILROOM IS NOT PROCESSING MY DISPUTES. I HAVE MAILED MY DISPUTE TO EQUIFAX INFORMATION SERVICES LLC PO BOX 740256 ATLANTA GA 30374 NUMEROUS OF TIMES AND THEY ARE NOT PICKING UP THE MAIL TO SORT THROUGH THE MAIL. I HAVE CALLED THE FRAUD DEPT SEVERAL TIMES AND THEY KEEP TELLING ME TO MAIL MY DISPUTE OVER AND OVER AGAIN! IF THE ONLY OPTION TO SEND A DISPUTE IS BY MAIL THEN THERE ARE GOING TO BE THOUSANDS OF LETTERS WORLDWIDE JUST SITTING AT THE PO BOX ADDRESS NOT BEING OPENED! I HAVE 2 FRAUD INQUIRIES THAT NEED TO BE REMOVED AND DELETED OFF OF MY CREDIT FILE.
THE FAX OPTION WAS EASY AND CONVENIENT NOW I HAVE TO MAIL DISPUTES THAT PROBABLY WANT EVER BE RECEIVED BY THE MAILROOM!  I AM ALSO ATTACHING MY FRAUD DISPUTE TO THIS COMPLAINT SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Toyota Financial has made it near impossible to make extra payments towards your principal balance. They used to allow me to make an additional principal payment without issue. For instance, if my monthly payment is {$370.00}, I would pay {$400.00} with {$27.00} being added towards the principal. They removed the ability online to make an additional payment towards the principal. There used to be an extra box on the payment page for additional principal payment. Now when I make extra payment, they just apply it towards the next month 's due payment not the principal balance. They are clearly doing this in order to charge more interest on the loan. It is extremely shady behavior. And when I try to call Toyota Financial, I can not get anyone on the line to discuss the matter. They have no email option to contact them either that I have been able to find. This change in policy towards extra principal payments, seems to have taken place over the last three months. Currently, I am unable to make payments using the website as I always had since I took out the loan in XXXXXXXX XXXX XXXX  No reason has been given. I have tried calling Toyota several times to fix this issue and have not yet been able to get anyone on the phone. The app on my phone is also not currently allowing me to make payments. It says there is a biometrics error on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
On XX/XX/XXXX, XXXX XXXX reported a hard inquiry on my Transunion report from XXXX XXXX. I called the business and told them I did not make any such request. XXXX verified the information on the inquiry was not me, and placed the inquiry in the 'Fraud ' reports. I have no problem with how XXXX handled it. 

My problem is Transunion will not make me whole and remove the hard inquiry from my report, despite my giving them all the information Re : XXXX finding the inquiry was fraudulent. That was today, XX/XX/XXXX. 

I am now FORCED to involve you to require Transunion to remove the hard inquiry and restore my score, including any score improvements in the interim.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has been contacted via certified letters, and phone several times now. They are refusing to remove the XXXX XXXX XXXX. 

This is a massive error not only in their part but on XXXX XXXX 's part. 

Both TransUnion and XXXX XXXX have been insisting that this chargeoff debt is MY debt. I've asked them to PROVE to me that it is my debt and they have been unable to. 

As you can see this debt is in the name of XXXX XXXX not XXXX XXXX. I am not XXXX XXXX. 

Also, this is a HIPAA violation. I will be reporting this HIPAA violation to https : //ocrportal.hhs.gov/ There they can deal with the issue of sending over someone's personal medical information over to a third party .... Trans Union. 

This complaint is filed in response to the last decision Trans Union made which is to NOT remove XXXX XXXX from my credit report. the letter dated XXXX from TransUnion. 

This is bad on many levels. 

This complaint is filed in response to the last decision Trans Union made which is to NOT remove XXXX XXXX from my credit report. the letter dated XX/XX/ from TransUnion. 

attached you will find a document where it shows a name that is NOT mine on this medical debt from XXXX XXXX and the name on my social security card. Its not a match.

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 2023-01-11
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: Old information reappears or never goes away

Complaint:
My FICO score is not updating correctly to match XXXX and Equifax data. My XXXX XXXX XXXX XXXX  and my Equifax is XXXX. Because of this, my XXXX isn't even close to correct. 

It is multi-party credit reporting fraud accidentally it would seem, but it's so enduring it's starting to seem targeting and it is really fraudulently damaging my credit rating and ability to receive loans. 

I am prevented of communications at times at it becomes mail fraud and communications fraud it seems. But this is credit reporting obviously of two extremely fraudulent activities targeting my personal identity and ability to receive credit. 

Please also contact XXXX and explain to her this is damaging my credit and ability to receive credit extremely fraudulently and is a war crime in progress and should be covered under my identity theft coverage with XXXX and XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, 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. 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