BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Citi XXXX checking and savings accounts in-branch on XXXX XXXX, XXXX, because of a {$700.00} cash bonus offer. The banker let me know I would need a minimum deposit and balance of {$50000.00} for at least 60 consecutive days. 

I deposited {$50000.00} on XXXX XXXX, XXXX, and kept a minimum {$50000.00} balance until XXXX XXXX, XXXX XXXX about 80 days XXXX. 

The offer documentation says the bonus will be credited within 90 days from completing the required actions. However, it's been more than 90 days, and I haven't received the {$700.00} cash bonus. 

I reached out to Citi by online chat and was told I would have to call in about the offer. I called in and was told I couldn't be helped. I feel like I'm not getting an honest investigation and think it's unfair I haven't yet received the bonus after the terms were met and exceeded.

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 monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX of 2023, I reached out regarding inaccurate information on my personal credit reports. I have been notified that my information has been used over XXXX times on the dark web ; I was notified by several institutions to look into my credit report and place a fraud alert/freeze. There are multiple errors with my name and address that appear across all XXXX platforms. XXXX, Trans Union and XXXX. 

My name appears several different ways, also including my previous married name. It states that my spouse is my ex, I never gave a name for spouse. My credit is being affected tremendously by all of the incorrect information posted. 

As for my addresses; there are over XXXX different spellings of my name that I asked to be corrected as well. After printing out new reports today, I notice everything is still showing as if I never contacted anyone. 

I also noticed after printing out XXXX pages on this report that the inquiries listed are insane. I have requested for this to be taken care of 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 2022-01-31
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: AL
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 Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A and 602 B. States I have the right to privacy and accuracy within my credit report. 

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. 

On XX/XX/2022, I sent letters to XXXX, Equifax, and XXXX about inaccurate information that was in my credit report and as of today XX/XX/2022, inaccurate information is still in my credit report including my year of birth, spelling of my name, and former addresses, along with the information from this XXXXXXXX XXXX XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureau has old addresses on my account that I no longer live at they also incorrect information on my credit report.. They still have accounts on my credit report that's been there over 7 years and I've tried to dispute these items several times but it update as though these are new accounts.

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 2021-10-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, a Case Specialist with Wells Fargo Bank 's Enterprise Complaints Management Office responded to two complaints that I filed with the CFPB, alleging violations of Regulation E and identifying Wells Fargo Bank 's failure to protect their banking customers under federal and state consumer law. 

In sum, the bank claims that an investigation was completed on XX/XX/XXXX, however, this is impossible as I spoke on the phone with a Wells Fargo Claims Specialist on XX/XX/XXXX for over 30 minutes. It was during this call, well over 10 business days of my reporting of the unauthorized transactions, that I was asked for the first time some specific questions that pertained to these transactions. 

The bank 's XX/XX/XXXX letter is false and cookie-cutter, and most importantly, utterly fails to address the bank 's violations of Regulation E. 

During my XX/XX/XXXX call with the bank, the Claims Specialist explicitly advised me to file a police report, or to work things out with the merchant directly. This is in DIRECT violation of the most recent FAQ and guidance provided by the CFPB in regards to Regulation XXXX and its application to real life. 

In sum, Wells Fargo deliberately lagged on investigating my claim and waited up until the last day prior to credits requiring to be issed to " deny '' my claim. However, it's undisputable that no such investigation could have truly and fully occurred where I was asked questions about my claim on the last day. 

Importantly, I want to point out that the bank specifically advised me to take action that is not requisite under Reg. E, and goes against wha the CFPB advises these institutions.

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 2022-11-12
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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.

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 non-monetary relief
Consumer complaint received 2020-03-20
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Toyota Financial, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with Toyota my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth Toyota lease. Back in XXXX my bank was XXXX   XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when Toyota Financial contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at Toyota Financial told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for Toyota. I was wondering if those late payments could be taken off my credit report because I did exactly what the Toyota Financial Agent told me to do.

This is what toyota told me to do and it destroyed my credit report!

I called them several times and they said that they could not fix it!

They told me to write a new letter and sound like and XXXX and maybe they would fix it!

I called again and nothing!

Plus the only to contact them is by email! They have no phone or fax for their department!

I have leased 4 vehicles through Toyota and have always been on autopay! Until having to switch banks is what caused this! 

Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, 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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM ABSOLUTELY FURIOUS WITH EQUIFAX, I HAVE BEEN REACHING OUT TO THEM FOR OVER 1 MONTH REQUESTING REMOVAL OF THESE FRAUDULENT ACCOUNTS, THEY SAID THEY WILL REMOVE THE ACCOUNTS YET IT IS STILL REMAINING IN MY CREDIT REPORT, AFTER IT ONLY TAKES 24 HOURS TO REMOVE FRAUDULENT INQUIRIES. THEY HAVE MY FTC IDENTITY THEFT REPORT ON FILE AS WELL. I AM FURIOUS WITH THEIR CUSTOMER SERVICE. THEY HAD A DATA BREACH LEAKING OUT MILLIONS OF SOCIAL SECURITY NUMBERS AND PERSONAL INFORMATION, AND THEY HAVE THE NERVE TO TREAT CONSUMERS THIS WAY!!!!! I HAVE BEEN SO PATIENT WITH THEM BUT THIS IS GETTING RIDICULOUS ALREADY, THEIR DEPARTMENTS ANSWER THEIR PHONES AFTER 2 HOURS OF STAYING ON THE LINE, AND IM SICK AND TIRED OF CALLING AND GETTING NO RESOLUTION, I HAVE ALSO SUBMITTED FRAUDULENT DISPUTES ONLINE AND STILL HAVNT GOTTEN ANY RESOLUTION.!!!!! I HAVE LISTED THE INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX  | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-04-25
Company: NCSPLUS INCORPORATED
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have already received a similar notification from your company with the same amount with a different case number. The previous case number XXXX was closed after I submitted my first complaint on XX/XX/XXXX through CFPB to both NCSPLUS INCORPORATED and A XXXX XXXX. The new claim number is XXXX with the same amount. Please stop harassing me with these notifications. Here is what I already submitted : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- sent on XX/XX/XXXX YOUR COMPLAINT I received the invoice for the amount of {$1700.00} dated XX/XX/XXXX after 2 years of no communication from A XXXX XXXX XXXX. We had an agreement that I will be paying a monthly fee of {$85.00} which they decided not to charge. They have my working credit card information on file that I provided and they previously charged on XX/XX/XXXX and they could have charged the monthly amount we agreed on. They have not contacted me for about 2 years and I received an invoice for {$1700.00} on XX/XX/XXXX threatening to send me to collections. I will like to receive a verification of the debt A XXXX XXXX XXXX is claiming that I owe so please send me a detailed account statement. Also, please send me an explanation on why my card wasnt charged {$85.00} monthly as originally agreed upon. The credit card that was last charged is a working credit card. If A XXXX XXXX XXXX lost my credit card information, I will like to know details on why and how my credit card information was lost. I sent an email to A XXXX XXXX XXXX requesting to get an account statement to verify the debt on XX/XX/XXXX with no response. I sent a certified mail requesting to get an account statement to verify the debt on XX/XX/XXXX and it was received on XX/XX/XXXX with a signature verification but I did not get a response. I filed a claim with CFPB on XX/XX/XXXX with no response. Then I received a letter from NCS incorporated on XX/XX/XXXX to collect a debt that I have been trying to verify. I need a clear explanation why A XXXX XXXX XXXX is ignoring my request to verify the debt, why they did not continue to charge the monthly {$85.00} we agreed upon, and what happened to the working credit card information that was last charged on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Vanilla Gift Card. 
Apparently I went to a scam website that looked just like Vanilla to register a gift card I had just received. 
As I was completing the process a pop-up showed a warning, something pertaining to a XXXX website, but it was too late. I confirmed that I had been scammed when I tried to use the card myself 10 minutes later and it was declined. When I called vanilla, they did see that the card was locked and that there had been a transaction for the full amount, but it wasn't where I tried to use it. 

The real Vanilla says I can call back on XX/XX/XXXX, and they will start a dispute and MAYBE I will get my money and they HOPE I will get my money. 

All of the card info went here : XXXX XXXX XXXXXXXX and I'm out {$50.00}

Company response to consumer: Closed with explanation