BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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:
Good day to all at the CFPB. Thank you for your service. It has come to my attention that I am being discriminated against and treat unfairly by the deceptive business practices of Equifax. On XX/XX/2022 I faxed Equifax my handwritten letter along with a photo copy of my drivers license to verify my identity. I wrote on the letter that I am a victim of Identity theft as a result of the Equifax data breach. I explained the economic hardship this data breach has put my estate in to the Equifax representative. I am being denied basic needs like housing for my personal, family, and household benefit. The representative then told me that I needed to send them a copy of my social security card in order for Equifax to honor my letter. I then explained to the representative that I dont feel comfortable sending sensitive information to Equifax because they are responsible for my personal information being compromised. 
The representative told me that he could not do anything without my Social Security Card. I then asked the representative to see if he could find on file a contract signed by me authorizing Equifax to report my personal information and or a court order. The representative said he could not find either. This is discrimination and a violation of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their TD Bank check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a XXXX account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because TD Bank took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I sent a cashier 's check for {$18000.00} and all the required documentation to payoff the lease I had for my Toyota XXXX. After a few weeks of waiting to receive my title, I called them and was told they had received but LOST the cashier 's check. I was told I would receive a letter from them with instructions. I then received a letter that said they received the cashier 's check but could not locate it so I needed to send them a new one. 

The problem is that my bank will NOT put a stop payment on the cashier 's check for 90 days and I don't have another {$18000.00} to send them again. When I call them they tell me they will wait for the 90 days ( even though their letter clearly states they will only wait for 30 days ) and that no adverse action will be taken against me. However, I keep getting communications from them urging me to return the car, and when I call, the system tells me the call is intended to collect a debt, so in their system I'm obviously flagged as delinquent. 

I am really worried they will ruin my credit ( or worse, that the car will be repossessed ) even though the call center people assure me they won't because they recognize their mistake. Ultimately, my assumption must be that this reporting is systematic and will eventually escalate actions against me. 

I really need them to change their system so I'm no longer flagged as delinquent OR I need to have in writing a statement saying no adverse action will be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account XXXX with National Credit Adjuster, I tried many times to verify this account and what it is. I have never had an account with them or any account during this timeframe that was of this XXXX amount. I asked several times for them to send proof of the original debt and never received anything to validate the debt or account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Synovus Bank
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/2023 disputing {$58.00} and want my account closed. Spoke with XXXX at XXXX and would like to speak to a manager regarding this issue. he says within 5 days. I expressed that I want my security deposit back and he informed me it would take 10 weeks to refund the security deposit. 

This company has predatory business practices and it should not take 10 weeks to process a refund. Nor should they charge me a late fee or membership fee. 

This company has not satisfied my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a 3rd party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the credit union continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XX/XX/XXXX I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX ( {$980.00} ) and charge off auto loan with acct # XXXX ( {$10000.00} ) both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 )  open collections with XXXX XXXX, ( 2 ) Open Collections +120 days late and ( 3 ) charge off ( XXXX ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XX/XX/XXXX all debts have been paid to XXXX XXXX and to this day XX/XX/XXXX the credit card debt ( {$980.00} ) charge off still remains on my credit report and is being reported current late and charge off by the credit union.  Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the  current 120 days late be permanently removed completely from 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 2023-03-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting an inaccurate account with late payments on my credit reports. 

I have been disputing this account for a while but have not been able to gain no resolution into this matter. 

As you can see in the attachment below, each late payment reporting is inconsistently reporting. How is it that this account is reporting on time payment with one bureau and 120 days late with the other? Or 120 days late with one bureau and 180 days late with the other? If all bureaus get their information from the exact same place, how can this reporting be all over the place? I was never late on this account. 

The consumer reporting agencies are responsible for reporting 100 % accurate account information and payment history on a consumers reports. This inaccurate reporting has caused me a lot of emotional and financial stress and I am aware that I can be compensated monetary due to the credit bureaus negligence and continuous reporting of inaccurate information. I am demanding that this account is accurately updated on my credit reports and all inaccurate late payments are repaired and deleted!

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 2023-11-14
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I got into a situation where I had no choice but to get a title loan on my car. I had just started my job, and we only get paid every XXXX weeks, and I had to eat.. so I got the title loan thinking I would pay it off early. The rep said I had a good credit score with them because I paid back the previous title loan. I assumed that since I did that, I should get a lower interest rate.. by was I wrong!! My interest rate is so high, that the rep told me it was all complete, that if I paid it back as scheduled, they would make {$11000.00} off of my {$2000.00} loan. My payment is close to {$400.00} per month, and the bill increases even after I pay them! How is that legal for them to make that much money off of people who obviously are struggling or they wouldnt be getting a title loan in the first place! Seems like you only have XXXX choices in this situation, you either forfeit your transportation, or you make the payments and pay them enough to almost buy yourself a new car.. I tried to contact them about getting a lower interest rate, but they never called me.. I think interest rates that high should be illegal!! Someone that is so short on cash that they have to put their car up, shouldnt be paying such high rates. They set you up for failure no matter what and thats not right..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I wire transferred XXXX to my CitiBank checking account. On XXXX XXXX, my account was flagged for suspicious activity and a freeze was put on my account. I have called the past 3 days, and they continually say they can not help me Because a special investigator is currently looking at my account. I made all transactions, I confirmed and even called Citibank before to tell them I was making these transactions, yet they still froze my account, and I can not access any funds with it at all.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Tried buying a home realized I have damages on my credit report. According to the law 15 U.S.C 1681 there should not be any damages on my report. I submitted in a dispute in regards of the following below on XXXX XXXX. I received a letter stating that it was not me who sent out my dispute and therefore they will not investigate following : Hard inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Personal Information : Address XXXX XXXX XXXX XXXX MI XXXX Collections : XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # 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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
My credit report log in is now not allowing me to log in even though I made a log in account XX/XX/XXXX. There are incorrect addresses and credit fraud reporting from my ex boyfriend XXXX XXXX XX/XX/XXXX who is representing himself as my husband. 

The alert was dated XX/XX/XXXX and there are contractor company listed on my address profile. 

The addresses were added in XXXX after the first XXXX from XXXX XXXX XX/XX/XXXX. 
He currently has a criminal case against him for XXXX on XX/XX/XXXX. This is when I logged in and noticed the discrepancies. 

The addresses are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are Inquiries into my Transunion account from " XXXX XXXX XXXX via XXXX XXXX XXXX ''. I have not purchased or enquired anything from XXXX XXXX. Please work with XXXX XXXX XXXX & remove enquires from my account. I have raised request 2 times but still not able to get this enquiry deleted from my account. I even reached out to XXXX but i am not able to get someone from XXXX. I sent email and called many times but not able to get hold of someone who can help. 
********************************************** Below are the details regarding inquires XXXX XXXX XXXX via XXXX XXXX XXXX Enquiry date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION ************************************************ Can you please advise what i can do? Same enquiry was showing earlier on XXXX & they have removed it. Can you please remove it and let me know what i can do from my end.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows: 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 2020-04-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I attempted to contact XXXX  to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to Experian and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my XXXX  Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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