BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Creditor : XXXX Account # XXXX Creditor : XXXX  XXXX Account # XXXX Creditor : XXXX XXXX Account # XXXX I keep immaculate records of payment history across all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you

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 2023-04-13
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
ONLINE IN SV XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: SYNCHRONY FINANCIAL
State: NV
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 have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased my vehicle on XX/XX/2021 at XXXX XXXX in XXXX, WI. And when they were filling out the papers, they told me that they included many things in the warranty that were free and I told them that I didn't want them, that I only wanted the XXXX in case of an accident, but they continued and included things that I didn't want. XXXX weeks later I went to have them removed and they did not agree and I also called XXXX and they told me that even if I removed them the payment would remain the same. I considered it to be a scam. But until I saw about this lawsuit I thought that no one could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
On XX/XX/2021, I purchased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ). The suggested manufacturing price was {$32000.00}, however they added values until the purchase totaled {$53000.00}. Below I detail the concepts and values : 1. Something they called the XXXX XXXX was added and I can not identify exactly how much it was but according to what was discussed with the seller it could have been between {$5000.00} and {$7500.00}. 
2. Theft Deterrent Device, XXXX XXXX ( optional and which I was not told about ) worth {$990.00} 3. XXXX XXXX XXXX, xzilon ( optional and which I was not informed of ) worth {$790.00}. 
4. Debt Cancellation Agreement ( optional and which I was not informed of ) for {$850.00} The next day I was able to look at the contract in detail and when they sent me a survey to evaluate the purchase, I informed them of all these values with which I did not agree, but they never gave me a response. 
I feel disappointed and cheated by this seller. For XXXX years I have been paying these amounts plus interest and they do not solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2019-10-19
Company: Army and Air Force Exchange Service
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a military service member and customer of the Military Star Card exchange credit program. I am stationed in Louisiana and by law under the Louisiana Servicemember Civil Relief Act law RS 29:312, they may only charge me at a maximum interest rate of 6 % while stationed here. Military Star Card has been charging me 11.99-12.49 % and I have been in Louisiana since XXXX XXXX, XXXX. They were notified and they refunded me interest over 6 % in the total of {$200.00} from XXXX of XXXX until XXXX of XXXX and then they put me back at 11.99 % APR. They were supposed to refund all the way back to XXXX of XXXX and leave me at 6 % APR until I transfer from Louisiana to another base in XXXX of XXXX when my orders are up for rotation. Military Star Card attributed it to saying that under the XXXX system I am listed working for the XXXX XXXX. That is correct, but I am not a XXXX  XXXX who only works one weekend a month and two weeks a year. I work 365 days a year and train XXXX when they are on orders or drills. The XXXX XXXX is made up of different departments. One of those is FTS ( Full Time Support ) which used to be known as TAR ( Training and Administration of Reserves ). Our department has the same retirement and benefits as the XXXX XXXX XXXX. On XXXX reports it shows me as being under the XXXX XXXX but under my ACTIVE Status it states " Still Serving ''. I provided Military Star Card with copies of my orders to Louisiana that shows my report date and next PRD ( Periodic Rotation Date ) plus my leave and earnings statement showing what zip code I am stationed at and that I am active and I also sent them a copy of the Louisiana SCRA. They are still refusing to comply and are in violation of LA law. I am disappointed that a company that deals explicitly with military members has such low regard for our well being and compliance with our benefits. How many others have similar state and federal benefits that are not being complied with? How much money has MSC overcharge these service members?

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 2023-12-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2022 I applied for Care Credit card last XXXX XXXX XXXX was accepted. During that time, they had promotion that if you charged to the card {$1000.00} you will receive a gift card in the amount of {$100.00}. Account needed to be in good standing, which it was and it is still. My registration number was XXXX and it was done on XX/XX/. I charged to the account {$2500.00} I called them over 9 times asking where the gift card is. The representatives always were saying you need to wait longer, or information will come in the mail. One rep said that, they have a third-party provider that handles the gift card, and they will be contacting them. Nothing had come by email or mail. When I called today, I spoke with XXXX, and she told me that nothing had been recorded in my file. They hope that I will forget about this and never question it. Can you please help me?

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ACCOUNT CLOSED AND REMOVED BACK IN XXXX, showing that account is OPEN? I have no knowledge about this account, contacted company and disputed it

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with Experian so I dont know if they lifted the freeze with Experian but I cant access Experian obviously because this person already has an account with them and our information doesnt match so Experian doesnt let me access account online nor do they give me access over the phone

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2019-10-19
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed Rate Inc consistently applies payments to my mortgage account incorrectly. GRI has been servicing my loan for 16 months of the 26 total payments I have made, 16 not correctly applied to my account. All the misapplication errors are in favor of GRI, if not caught these errors would cause me to pay more money than required. I made the most recent payment not correctly applied on XX/XX/XXXX ; a curtailment payment in the amount of {$2200.00}. GRI applied {$690.00} to my XX/XX/XXXX scheduled payments and {$1500.00} to curtailment Notify GRI of these errors thru RESPA NOTICE OF ERRORS address results in more payment errors. The most recent example is a letter sent by GRI dated XX/XX/XXXX. In this RESPA response letter GRI listed several payment reversal and payment applications, however the response letter resulted in additional errors. A curtailment payment made on XX/XX/XXXX that misapplied as my XX/XX/XXXX scheduled payment was reversed and never reapplied as a curtailment payment. 

Notifying GRI of payment errors results in erroneous fees. In a RESPA NOTICE of ERRORS response letter dated XX/XX/XXXX, XXXX claims that a Bad CHECK payment on XX/XX/XXXX and charged me a fee of {$20.00} and also claims a Bad CHECK on XX/XX/XXXX and charged me another {$20.00} fee. GRI received no BAD CHECKS. 

GRI consistently sends me monthly Mortgage Statements that do not accurately reflect my mortgage account activity. Most statements show payment amounts as XXXX, making it impossible to know what is going on with my account with all the payment misapplications reversals. 

GRI must be attempting to trick me into paying more money than required. GRI is secure in knowing that I can't choose a different servicer and therefor is not too interested in servicing my mortgage correctly. A XXXX child could do a better job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
According to the fair credit reporting act, fifteen u s c sixteen eighty one section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and Confidentiality Of those customers ' non public personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general, subject to subsection, ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " In accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the consumer reporting agency 's XXXX and XXXX do not have any of my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, or XXXX XXXX  whether it is verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states that, '' a financial institution may not disclose non public personal information to a non affiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX Bank never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which It against the law. 15 USC code 1681S - 2 ( A ) ( 1 ) State 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. 15 USC 1681c states. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions 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:
I am reaching out as I have previously disputed unauthorized inquiries on my credit report from Experian, XXXX and XXXX. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter

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