BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: WI
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 : XXXX XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my personal credit report, which I acquired fromExperian, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2020-05-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB staff, I visited the HSBC XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Branch on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX. The three visits were made in order to open a new Fusion First Business Checking account during the HSBC {$350.00} bonus promotion period. 

A personal banker named XXXX XXXX XXXX helped me finalize the opening of my account on XX/XX/XXXX and an opening deposit of {$5000.00} was made on that date. The bonus promotion brochure I was handed by Mr. XXXX specifies the bonus requirements. Please see the attached scanned copy of the bonus promotion brochure. 

I met the requirements as follows : Made deposit in excess of {$5000.00} on XX/XX/XXXX I registered and first logged onto HSBC net on XX/XX/XXXX I met the 120 day period of having a minimum balance of {$5000.00} on XX/XX/XXXX Based on HSBC 's Terms & Conditions for this bonus, I should have received the bonus by XX/XX/XXXX. 

Upon not receiving the bonus, I called HSBC on XX/XX/XXXX and received confirmation that I met the requirements for the bonus and was referred to XXXX XXXX, the Premier Relationship Manager at the XXXX XXXX Branch for further assistance. 

Mr. XXXX and I made a conference call with another HSBC banker named XXXX on XX/XX/XXXX. By using Access Control for Account Services and using the Activity Log Filter, XXXX confirmed that I met all of the requirements for the bonus. 

On XX/XX/XXXX, I received an email from Mr. XXXX who stated : " I finally got your request approved. You can expect the deposit in your account within 4 weeks. I apologize for the delay but happy to report that you will be receiving the bonus. '' Please see attached copy of Mr. XXXX 's email. 

Mr. XXXX was nothing but persistent, responsive, kind and helpful during this process. However, I do not find it acceptable that the HSBC back office will not credit my account with the bonus I was promised that I should have received by XX/XX/XXXX based on the Terms and Conditions of the bonus promotion brochure. Waiting another 4 weeks from XX/XX/XXXX, with the hope of possibly receiving my bonus is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Toyota Financial has refused to hold their end of the contract and issue a title release or even credit the account closed. 

I called the middle of XXXX notifying them I needed an address to send a certified check, the gentleman who helped was very nice and provided an address to deliver the money to. 

Toyota received the monies for the account on XX/XX/2018. Again this was a certified check from XXXX XXXX  and included a master billing statement stating where the money was to be applied and the vehicle paid in full. I was expecting the account to be credited the following Wednesday since Monday was a holiday. That never happened. 

I called Toyota on that Friday and they stated they had a " short week ''. As I am typing this I am on hold with them expecting to talk to a manager as promised about getting the title sent out ( notifying the DMV ). 

Toyota has many problems with this same situation. I believe an attorney with adequate knowledge would find that a class action lawsuit against Toyota would end these criminal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: ND
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:
submitted an online dispute. Received an email stating that the request has been completed. Upon entering my information to review the results I received a mesage that my information does not match Equifaxs records. Phone Equifax and got a representative that spoke very poor English. Rep verified what Equifax hace for my records, which was the exact information I used when trying to review my dispute results. Then I was told that there was no dispute showing & the rep took my dispute over the phone. I again got an email stating my dispute has been complete and yet again when trying to retrive the results I got a response that my records did not match Equifax records. Contacted Equifax again today XX/XX/18 got another representative that spoke very broken english stating the same thing the previous rep stated. Askes how can I retrieve my results and was told that I cant and that she can submit another dispute. I believe my information is being held from me due to fraud on Equifaxs part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please Help on XX/XX/1922 I called XXXX to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from XXXX is telling me something else and stating that this inquiry is to remain on my credit file? XXXX is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC remove.

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 2020-05-10
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: Investigation took more than 30 days

Complaint:
Sent a letter om XX/XX/XXXX and XX/XX/XXXX to inform XXXX that XX/XX/XXXX, XXXX, XX/XX/XXXX report as 30 to 59 days late and they failed to respond to the investigation Delete all negative errors on my credit report and the inquiries. i was DENIED a loan because of you all error. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. 


Below : I sent a complaint on XX/XX/XXXX and no reply thus Delete all negative errors and inquiries. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. 


XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Accounts listed below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts in violation of my rights are listed as follows : XXXX XXXX XXXX  Acct # XXXX, DEPT OF EDUCATION/XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATIONXXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX XXXX DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX XXXX Credit Card Acct # XXXXXXXX DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, XXXX XXXX XXXX  Date : XX/XX/XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX, XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX  Date : XX/XX/XXXX, XXXX account Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Educational Acct XXXX XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX Date : XX/XX/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 2023-05-02
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: Account status incorrect

Complaint:
On my Equifax account under 10. Collections, it currently states " You do not have any collections in your file. However, when i go to 5. Other accounts, it lists under 5.1 ) XXXX XXXX XXXX XXXX with account status collection, XXXX XXXX XXXX XXXX XXXX account status collection, XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX account status collection, XXXX XXXX XXXX XXXX XXXX XXXX account status collection ( this account does not list an account number ), XXXX ) XXXX XXXX XXXX XXXX account status collection. 

All XXXX of these collection accounts are not only listed inaccurately under other accounts, one of the accounts does not even include an account number, nor do any of the accounts have the correct opening date or date of first delinquency.

According to my credit report, I do not have any collections as stated under section 10. Collections.

I also noticed under 2. Revolving Accounts, 2.XXXX ) XXXX XXXX XXXX  account status is charge_off with a reported balance of {$520.00}. A charge off can not be listed with a past due balance, XXXX XXXX XXXX XXXX account status Charge_off, the date of first delinquency is inaccurate, XXXX XXXX XXXX XXXX XXXX account status Charge_off, the date of elinquency is inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account status Charge-Off , the date of delinquency is inaccurate, the same applies to 2.21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are also listed inaccurately under revolving accounts. 

The FCRA clearly states that information in your credit report must be 100 % accurate or the inaccurate items have to be removed per federal law. 

I demand that the inaccurate accounts listed above be removed in their entirety from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Merchants' Credit Guide Company
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a negative collection report on my credit for debt that is and was not mine. I was taking to XXXX Hospital as a child. The amount on my credit is for XXXX from Merchants credit, I was a minor child not responsible for this debt. This debt belongs to my parents not myself. I have disputed it and nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: NY
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 most recently have gotten back my results from a dispute I have opened up about the following account on my credit report. " ACCOUNT # XXXX XXXX/XXXX   XXXX XXXX ''. The dispute confirmation number is XXXX. This account has yet again come back " verified & update '' despite the fact that I sent it a letter from the company stating that it had no contract with my signature on it linking me and proving that I am responsible for this alleged debt that is still on my credit report, bringing down my credit score and had cause a decrease in a line of credit I have with XXXX. 

I would like to know how was this account investigated? I would like to know to what methods was this account investigated and verified and updated? What human person at this company did someone from Equifax speak to and confirm that there is indeed documentation and a binding contract with my signature on in proving I am the one whom indeed opened, used and accrued debt on this account? 

I am again to believe that Equifax has broken FCRA laws and not done a complete and thorough investigation in to the validity of this account. I am to believe that yet again after another dispute with backing documentation, Equifax instead used the XXXX   system to yet again verify this account. 

As this account was wrongfully verified I would like it immediately removed and deleted from my credit report. Also for each time I disputed this account, whether it been by mail or online, I would like to be shown, IN FULL DETAIL, how each of these disputes came back verified or updated. If i am denied this information I will see the as yet another violation of the FCRA as negligent and willful noncompliance by Equifax. 

I intend to bring suite to Equifax, for multiple FCRA infractions and punitive damages they have caused me in pursuit of trying to get this negative account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Volvo Car Financial Services U.S., LLC
State: MA
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 to the Fair Credit Reporting Act. 

This creditor have violated my rights. 

UNDER 15 USC 1681 section 602 states I have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Problem with personal statement of dispute

Complaint:
TransUnion is committing fraud by covering up the fact of why I have been reaching out to them. That {$840.00} inquiry has to be moved off my account, because the matter was settled when {$5100.00} of it was paid. All of the presentment was supposed to be paid. 

They are violating my rights. I dont need them to tell me to send them anything else. They need to finish their job and remove the inquiries. 

Ucc 1-308 Without prejudice

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 2020-05-11
Company: EQUIFAX, INC.
State: GA
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:
Equifax and XXXX  have failed to investigate why XXXX XXXX is reporting late payments on this account. I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I had auto-pay setup and was always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
In accordance with the Fair Credit Reporting Act, 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 has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : 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
Consumer complaint received 2023-09-30
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:
there accounts are erroneous and inaccurate these frivolous accounts are not mines and needs to be removed asap

Company response to consumer: Closed with non-monetary relief