BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive Contacted XXXX  Via Phone and by mail letting them know that there is a spelling of my name that is incorrect and also hard inquiries that do not belong to me. They alway respond stating they can not located my credit file and to send in additional documents to verify my identity. Listed below is the name and hard inquiries that don't belong to me. XXXX  had no issue removing and verifying that this name and hard inquiries do not belong to me why is it that XXXX XXXX is having such a hard Time to report only correct information and information I give them premission to share : Name XXXX XXXX Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let XXXX XXXX know I don't need them to response ask me about anything other these hard inquiries and name from being remove that I did not authorize. 


Also Equifax is still reporting addresses and hard inquires that are not mines.They continue to do the same things say they can not locate my credit file or they update information that I've never used or authorize. 

Addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan was in forbearance last year and my first payment was to be paid XX/XX/XXXX. I have two loans that are to be paid on this date. One in the amount of XXXX and the second in the amount of XXXX. I scheduled with my bank for the payments to be sent on the XXXX of every month starting in XXXX. So on XX/XX/XXXX my bank sent the payments as scheduled. On XX/XX/XXXX I received a notification from my bank that a second set of payments were withdrawn from my account from Navient for the same XXXX and XXXX with then overdrew my account by XXXX. I went on my account with Navient and saw the account had been set up for autopay and my banking information was on the account. I never set up this autopay through Navient, I did not input any banking information nor did I authorize any autopay. I went to the bank and spoke with the branch manager and was told I can put a stop payment on the payment but I would have to incur a XXXX stop payment fee on each payment so it can correct itself. I also have to have the late payment affect my credit, when the autopay was never authorized in the first place. When I called Navient to speak to someone, I was just told by a recording the offices were closed until Monday at XXXX. If a business can take my money on a Saturday then they should be available on a Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: ProCollect, Inc.
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since of XXXX I've been contacting them so I can pay my debt. I have offer to pay XXXX XXXX  monthly that's what I can afford then I've offer to pay {$1000.00} but been denied and they never contact me to let me know. Then on XXXX XXXX XXXX I've {$2000.00} and still refused. The manger was very rude and quick with me didn't even let me talk much or even explained myself at all. I had to tell them I have to bring a lawyer to this since then they don't contact me but when I contact, they are refusing my offer.

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 2023-04-05
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This credit card was cancelled last year as I entered into a debt consolidation program. I paid off this credit card on XX/XX/2023, completely. I recently received a bill stating that I owed interest and fees. I have tried to explain the above to this company until my face has turned blue. Please tell them to reverse and cancel all fees and charges, the card had already been cancelled, I have NO CREDIT LIMIT and it was paid off by me in XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This issue started on XX/XX/2019 when I first made an attempt to contact Toyota Financial Services ( TFS ). I grew to understand that Toyota Financial Services is a federally chartered bank and that they handle most of their own legal issues. I am trying to inform them about a issue with one of their loans that I am currently involved in. The vehicle that I am financing is reported as Frame Damage. The used vehicle disclosure wasn't presented to me as structural damaged at the time of purchase. I told TFS about the calls that I've made to the Federal Trade Commission and the Attorney General. They transferred me to the XXXX department because I mentioned it was purchased at a XXXX dealership. Who told me they couldn't do anything about the issue and that I should contact Toyota Financial for the matter. I grew frustrated at this time because instead of  connecting me to the correct department I was bounced around due to key words which they are using any reason to transfer to issue to someone else. 
Fast Forwarding to XX/XX/2019 I called again trying to result this matter. I asked to speak to a supervisor seeing that I wasn't able to get anywhere the day before. A supervisor came onto the phone and now I am repeating my complaint for the 4th time after being on hold and then hung up on previously. The supervisor to connect me to the Toyota Headquarters. I spoke to someone in the Customer Experience Center which then I was told again that I need to contact Toyota Financial Services because the Experience Center is unable to help or find any documents involving my contract. I am simply requesting someone to handle this breach of contact and speak to someone about the next steps. It is highly unfair to be treated this way. I currently am financing a vehicle which is deemed : unsafe to drive '' with a balance over 60,000. 

I would like to exercise my " Right to refuse a contact '' their contract has been breached due to selling a frame damaged vehicle unsafe to drive noted by XXXX XXXX of XXXX XXXX, CT after doing routing service. The original dealership XXXX XXXX XXXX in XXXX, New Jersey should be penalized for negligence forcing their hand at vehicle buyback and closing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars

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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on 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

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 2023-05-02
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Affirm is reporting my installment loan as 30 Days late when I do not recall ever being late on this account with loan number XXXX. 

Furthermore they are charging 26.36 % APR. Per Florida Stature 687.07 Usury is the charging of interest on loans at a rate that is higher than is permitted by state law. In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid.The lender can recover only the principal loaned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: P&B Capital Group, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I replied to their letter dated XX/XX/2023, in response to my letter mailed & dated on XX/XX/2023. In my letter that was dated XX/XX/2023, I disputed the Alleged {$1400.00} debt that they are attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract with my handwriting not a computerized signature. I Also requested that they cease and desist all collection activity, including credit reporting. I requested that they delete any and all reporting made to any consumer credit reporting agencies. They have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA. 


In 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Grant Mercantile Agency
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:
I received a wrongful debt collection on my credit report without any notice. 

The data is it showed up on my online report is XX/XX/2022, and the amount is {$190.00}. The debt collector is GRANT MERCANTILE AGE. I didn't receive any form of communication from them - mail, email, or phone. 

I am certain that I didn't own any debt cause every XXXX of my spendings is paid immediately afterward and my hospital bills are all covered by my school insurance and I did pay whatever is left on their system. Hence, it is impossible that I owe any debt to any institution. 

Wondering if I can get some help to remove the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is my second complaint with Chime XXXX XXXX XXXX my account was close with Chime without any reason, funds are being held. I have asked multiple time why its was closed, I was told there wasnt a reason. I finally received a response and they said a 3 checks will be mailed out. I received one check XX/XX/XXXX I was unable to cash this check due to insufficient funds. Ive contacted chime multiple time through phone and email, no response. XX/XX/XXXX i talked to someone and was told money was being took out of my account and put back in multiple time. I asked why they said they have limited info to share. I asked them quantity they send my an email explaining what going on Chime said no and hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: KY
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:
I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.

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 2022-11-13
Company: T.S. Holdings
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:
I sent letters XX/XX/2022 to collection agency IQ Data international to validate said debt that I have filed identity theft on. No response, I sent another letter on XX/XX/2022 asking again to validate the said debt I asked for contracts with signatures of both parties no response. I also sent letters to XXXX credit bureau stating of the identity theft as well as included the police report asking them to remove the account as well as provide proof of validation of the debt. On XX/XX/2022 XXXX  came back and said the debt was verified but how? They didnt send any of the requested information violating my rights under FCRA . Im asking again for this account to be removed not only because its violating my rights under FCRA, FDCPA, but it is hindering my credit report/score and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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:
Account should be reported as closed with a XXXX  balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: FIRST PORTFOLIO SERVICING INC
State: PA
Product: Credit reporting 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:
On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX/VERVENT-REVVI ( Finance ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Request for Equal Credit Opportunity Act Compliance and Account Update Dear Underwriters, I am writing to bring to your attention certain provisions within the Purchase and Sale Agreement dated XXXX XXXX XXXX between Nordstrom , Inc., Nordstrom Credit , Inc., Nordstrom XXXX, and TD Bank USA, N.A. As an individual with a credit account at Nordstrom, I am particularly concerned about the impact of the agreement on my credit extension. I applied and received a denial notice on XXXX XXXX XXXX  which is evidence of discrimination per the Equal Credit Opportunity Act. 

Your agreement defines " Acquired Assets '' to include all rights, titles, and interest in Credit Card Applications, which implies the inclusion of my credit application as part of the assets acquired. Additionally, the assumed liabilities encompass obligations to perform under Credit Card Agreements, including payments and credits, acknowledging TD Bank USA, N.A. 's role as a guarantor. 

I want to draw your attention to potential concerns under the Equal Credit Opportunity Act ( ECOA ). Section 12 CFR Part 1002 ( a ) of the ECOA explicitly states that a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Considering this, any denial of access to my credit extension with Nordstrom based on the acquisition of assets would be tantamount to discrimination under the ECOA. I request strict compliance with the ECOA and fair treatment in granting access to my extension of credit. 

Furthermore, I formally request, in consideration of the acquired asset for which value has been provided, access to my credit extension with Nordstrom. 

I appreciate your immediate attention to this matter and request written confirmation of the actions taken to address these concerns. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation