BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi and how are you? Listen, this surprised me and i just reviewed my entire bank statement for XXXX  and saw the {$270.00} payment come out religiously. I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
These names on my credit report are wrong and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses never lived at. And are wrong. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX These employers never worked at. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 informations inaccurate. 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 2023-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I want this information to be corrected or removed per my disputed items requests and also want a new credit report so that I can see the changes they have made.

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 2020-06-12
Company: EQUIFAX, 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 was denied from getting a credit card with XXXX XXXX today XX/XX/20 because apparently there are accounts reflecting badly on my credit history ; I was not aware of these accounts and the reason for that is because none of those accounts are mine. The accounts are from these companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name. I am not affiliated to any of the companies I listed nor do I have any written/verbal contract with any of them. I did not benefit anything from these unauthorized accounts and I did not take part in any purchases or payments made towards these accounts. I have already filed a police report regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reviewed my Consumer Report recently and I don't recognize these inquiries therefore I need these to be deleted ASAP from my consumer report

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 2023-07-24
Company: Experian Information Solutions 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:
I disputed sum items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX XXXX ACCT # XXXX XXXX XXXX , ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right yo 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 2017-06-28
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On X/XX/15 I deposited {$530.00} into a Wells Fargo ATM in XXXX XXXX XXXX, Iowa located at XXXX XXXX XXXX XXXX. When I deposited, it only counted {$70.00} of the amount. Knowing that was wrong, I immediately cancelled the transaction and went to retrieve my money. There was only the {$70.00} there. I called the toll free number located on the ATM. Assured that they would be able to retrieve my money, and would credit my account I left the location. On X/XX/15, my girlfriend proceeded to go into the branch to ask if a manager could pull video tapes of the transaction or if there was anything they could do at the location. She was told that only the claims department can handle this, not anyone in the branch. On X/XX/15 I was credited in the amount of {$460.00} and was told my claim was being investigated. I was also told that I would be updated on the status and contacted which did not occur. On X/XX/15 I received the attached letter in the mail stating they cancelled my claim, therefore taking back the {$460.00} credited to me. I immediately called the claims department and spoke with a worker there. They told me there was nothing I could do. I asked to be transferred to the fraud department to be able to check ATM footage when he told me that would not help because they do n't take cases like that. Out of options, I filed a police report but never received any contact from the police department. While on the web, I read about a similar situation and found this website through that. I 'm hoping a resolution can come out of this, even if it 's almost two years later.

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 2022-01-05
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: Account status incorrect

Complaint:
I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Account status incorrect

Complaint:
In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.

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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My name is XXXX XXXX, I sent TransUnion a section 609 of FCRA request on XXXX/XXXX/XXXX. I have yet to be notified of action they 're taking to honor my request. This request was sent USPS Certified Mail [ XXXX ], delivery date of XXXX/XXXX/XXXX. Trans Union is in violation of the FCRA for not properly sending me proof to validate the information in my credit report that they continue to report. Trans Union is required to have a copy of a physical application or contract with my endorsement, for them to have legal rights to report this information.

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 2023-07-12
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX has caused damage to my credit card by calling Genesis/FS Credit Card I had file a complaint on XXXX not having the correct balance as {$0.00} XXXX has a balance showing when in fact there is no balance to the sad account. 

XXXX has major issues contacting Genesis/FS Credit Card and making false claims of fraud on my account. 

I was not contacted of any fraud by calls mail or email or phone alerts by Genesis/FS Card to the matter.

In which fact caused my account to close with a {$0.00} balance.

I have also filed US Attorney complaint as a XXXX  complaint on both Genesis/FS Card XXXX XXXX as bias reckless and fair credit act as to error made on false claims.

There is no call or email or letter or digital signature of me making claims of fraud or fraud was done on my account. 

There are other complaints on XXXX not been resolved as completed with mix names address phone numbers and accounts not updated as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried for over 6 months to obtain a free copy of my credit report. Trans Union has refused to send me a copy. <P/>I ordered a copy and have not received it to this day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: PA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent in a check for a large sum of money ( thousands of dollars ) to pay off my card. Jet Blue cashed it but didnt apply it to my account. I have called them every day and they cant find the check even though I sent them a copy of the returned cashed check. They give me a different story every time I call. I have emailed the given email for resolutions but the emails go unanswered. I just want them to credit my account I have proof they cashed the check!! I sent it to them.

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-23
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 XXXX, I the victim of the fraud, am requesting that XXXX XXXX XXXX, according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent 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 explanation
Consumer complaint received 2019-06-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The following was my message to HSBC. 

" My credit card account ( XXXX ) was closed after HSBC asked me to use it before by the XXXX of XXXX because it was INACTIVE. I made 2 charges and now there is balance of {$130.00}. There is NO WAY to make this payment. I need access to resolve this issue QUICKLY. If I don't hear from you by the close of business XXXX XXXX, 2019, on how I can complete a payment, I WILL FORWARD this COMPLAINT to the https : //www.consumerfinance.gov/ or The CONSUMER FINANCIAL PROTECTION BUREAU. HSBC does have to LOCK me out before I can make the payment. This looks like a XXXX  PRACTICE to get me to DEFAULT on my payment so that HSBC can hit me with LATE FEES and PENALTY. I called your customer service and an bunch of XXXX who CAN ONLY SING ENGLISH was TALKING XXXX. I need professional RESPONSE from people who are interested in RESOLVING this ISSUE. '' I contacted HSBC via their INTERNAL messaging service and they DID NOT HELP in resolving this issue. HSBC practices FRAUD and XXXX via OFFSHORE CROOKS. Their MANAGEMENT at HSBC thinks that EVERYONE in the US as STUPID as they are. 

My phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
I have sent multiple letters regarding this account status reports {$500.00} past due but the account is a collection account. also states status updated XX/XX/2022 but balance updated XXXX XXXX this account is reporting inaccurate information and should be removed. 

Acount # XXXX XXXX XXXX original creditor : 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 2021-10-18
Company: CMM of Louisiana, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past 2 weeks I have received repeated, harassing calls from representatives at XXXX XXXX XXXX asking me to settle with them on an account from their client Cash Time. 

Today 's call XX/XX/2021, came from XXXX who advised me that the calls would not stop and they would continue to call until a payment is made, after I advised that I knew of no debt that I had with this company. In addition, I have repeatedly asked for written documentation ( a signed contract showing that I indeed have business with this company to be mailed to me ), and they refuse and advise that they can email me documents. 

The email address is not mine and the one that they provide me with further proves that this is not my account and that it is a mistake. XXXX was extremely rude and I would like the calls to STOP. This company does not have accurate information and wanted me to provide them with my information.

Company response to consumer: Untimely response