BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: OH
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The issue is with Equifax. In XXXX of XXXX I tried to refinance my home and my lender notified me that my Equifax report was blank. I tried to get in touch with them to no avail. Finally my lender got approval from his underwriting department to use XXXX and XXXX and we moved forward without any issues. We refinanced again in XXXX of XXXX to get a better rate with the same lender and after trying to get in touch with someone at Equifax again, we were forced to use XXXX and Equifax again. 

We are about to purchase another home so I checked my credit report and my Equifax report is virtually blank. There is one card listed on the report in the amount of XXXX and that card was paid and closed years ago. I have 2 open credit cards, a mortgage with XXXXXXXX XXXX, multiple auto loans that were all paid but according to Equifax, I have one card. My score recently dropped on XX/XX/XXXX because they removed all of my accounts from the report and added items from XXXX. Again, my efforts to get in touch with them are unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: AL
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 discovered that some of the information 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 Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$34000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MI
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was created under my name with XXXX XXXX XXXX in XXXX XXXX XXXX which went to collections to XXXX XXXX XXXX. When this showed up in my credit report I disputed it, locked my credit profile, and the debt of {$280.00} was eventually removed from my credit report. Now it appears that the same debt is showing up under a different collections agency, Online Information Services, for the same account/ amount, with the same company XXXX XXXX XXXX XXXX which I have never used for any type of service as I do not live in Texas XXXX I have again disputed this with the credit bureaus and have submitted a dispute with Online Information Services and again with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: CA
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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 act XXXX Account number XXXX and XXXX, the 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

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 2021-06-30
Company: ONLINE Information Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on Numerous dates Ive sent in debt validation letters for this account that has yet to be sent as properly validated. Each bureau has a different spelling of this company for some reason as well, So that alone is a red flag. Also Their rude customer service makes it that much more difficult to resolve any issue over the phone. I want this investigated & erased from all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-08-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been facing ongoing issues with Toyota Financial Services regarding discrepancies in my credit report and their failure to provide essential documents relating to my account. Below are the specifics : Credit Report Discrepancies : I identified several inconsistencies on my credit reports from XXXX, XXXX, and XXXX. The discrepancies include : Lack of data for XXXX XXXX. 
Incorrect payment reporting sequence for XXXX XXXX XXXX 
Data gap for XXXX XXXX. 
Double repossession reporting for XXXX XXXX. 

Failure to Provide Requested Documentation : Toyota Financial Services has not provided me with the necessary documents related to my account and repossession, despite multiple requests. I have specifically asked for : Sale amount post-repossession. 
Information concerning insurance claims related to the repossession. 
Debt verification as per the Fair Debt Collection Practices Act and the Pennsylvania Fair Credit Extension Uniformity Act. 

In my pursuit for clarity and resolution, I have sent two formal letters to Toyota Financial Services detailing my concerns and requesting specific information. I will attach the Return Receipt PDFs for both letters in this complaint for your reference. In response, I've received letters from Toyota Financial Services that I perceive as " stall tactics. '' Their correspondence claims that I did not provide sufficient information for them to conduct an investigation, which is patently false as I meticulously detailed my concerns in both letters. 

Additionally, I've also attempted to resolve these issues over the phone but found them to be unhelpful, with no progress made. 

I believe Toyota Financial Services is deliberately stalling and avoiding their obligation to conduct a legitimate investigation into the matters I have raised. They are refusing to provide me with the essential documents that I am legally entitled to in order to verify the amount and the validity of the debt they allege against me. Their lack of transparency and responsiveness feels evasive, hindering my ability to address the inaccuracies and understand the alleged debt 's breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
n 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 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

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 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On the XX/XX/2020 I attempted to access my account. I received a notice that my account had been locked, I contacted Bank of America regarding my account. I was told my a customer service rep. that my account was being closed because of the deposits from unemployment. I explained that i get unemployment from. She stated that if there is any money left they will send it back to me. I ask to speak with a manager, I spoke with a manager and was told that my account was frozen because the deposits were not in my name. I explained that the money did belong to and was in my name she then disconnected the call. I went in to a local branch and was told that they could not help me and they did not know why the account was frozen. I placed a call back to customer service and spoke with some and asked for a manager. I received a call and explained the reason why I was disgusted with Bank of America because my account was placed on hold without notice, no one called me to discuss the matter, I did not receive any notice regarding this concern. My funds are being held without reason or just because Bank of America decided to. I have had thousands of dollars deposited in this account and have never had it frozen. I am asking for your assist regarding Bank of America and its employees unwillingness to release my account. I was told that they are looking in to this, however ; there is not valid reason why this should have happened. How many other accounts have they taken upon themselves to freeze without sufficient notice to the account holder.

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 2023-08-30
Company: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE
State: NC
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 called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CNG FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Alorica 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 information incorrect

Complaint:
XXXX is not accurately reporting 3 accounts that have been closed this month showing balances that have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX Hello, It has come to my attention that the data furnished by Discover Bank is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed on XXXX XXXX  on XX/XX/XXXX. I was attempting to purchase a washer and dryer and the seller called himself XXXX XXXX and he had a set for a good price. I told him via messenger that id take them and he said if i wanted them the only way he'd hold them for the 2 days till i could pick them up was if i sent a XXXX XXXX deposit to him as a down payment to hold them. So i did as he requested and 2 days later when i went to message him he had closed his account. He said he was engaged to a XXXX XXXX and the cashapp id showed XXXX XXXX which the guy told me was his son. He said they live in XXXX and ive found since then the guy and his so called wife keep making new profiles to sell the same appliance set. Ive reported this to XXXX but they dont care. Nothing unusual there! I went to my bank chime and disputed the charge. Chime denied my dispute within an hour or 2 even though their own written dispute directions clearly says a customer has 24hours to email supporting documents to assist in the decision making. Then after they declined mine so fast that then pushed me into having no chance of seeing my money anytime soon because after a declined dispute and resubmitting it they then have up to 45 days. They waited weeks and then still declined my dispute. This time i asked them to tell me how theyve come to this decision when i sent a ton of supporting documents that clearly showed i was a victim. They sent me a paragraph explanation as to how they decided. The issue is i read the paragraph at least 5 times and it dorsnt relate to my case at all. It talks about the seller being responsible for warranties and services. Well you must have actually gotten a product to need a service call or a warranty.. I then messaged them back and told them i dont see how this is related to my situation so plz explain. They refused to say more all they would say is well if you have new info to add then we will reexamine it but besides that is there anything else i can help you with... I filed a report on the theft with the FTC and in fact it was your website that told me chime should be honoring this dispute as a fraudulent transaction. So i just messaged them a snapshot of exactly what i read on this site which fits my situation to the tee. So i suppose we'll see what kind of XXXX they try to make up next i suppose...

Company response to consumer: Closed with explanation