BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After 2 years of trying to get this fraudulent account removed I still haven't received any results or verification of this fraudulent account from Bank of America. this account is not mine and I have tried to get it removed and bank of America refuses to delete.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons

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 2022-11-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Two vehicles were boughtbandbi was the consigner on both of the vehicle loans with Toyota Financial Corporation. Both vehicles have been repossessed, despite the duration of the physical ownership of the vehicles, as well as multiple Toyota Financial account balance statements both in hard copy and digital format validating the other with respect to both of the vehicles having been either paid in full ( XXXX  XXXX XXXX ) and XXXX  XXXX XXXX XXXX ) The total amount paid is roughly {$120000.00} from XXXX XXXX or XXXX XXXX XXXXXXXX both to which bare NY name as an authorized user or owner. The XXXX is paid in full and The XXXX still owes {$7000.00} according to digital online statement. Whats disturbing is the fact that Toyota Financial Corporation has reported to XXXX the account containjg the XXXX totaling {$48000.00} was paid in full. 

XXXX of XX/XX/2022. 
Further more the XXXX XXXX XXXX was stolen and then taken in the stolen recovery and ownership turnover period and repossessed that as well and stated. " Because we have not paid our bill we owe the full debt of {$84.00}, XXXX immediately if we wanted to get the vehicle back on a new 5 year contract, 60ndays old. The amount paid in was {$20000.00} which gave me a one year of payment immediately. 
Ironically still is the XXXX was financed because the XXXX was paid of and the bank validated that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Sn servicing has collected money towards maintaining an escrow account to pay insurance and taxes. They have yet to make any payment to our insurance company, and as a result the out was canceled effective XX/XX/XXXX. XXXX reached out to them multiple times requesting payment, with no response. In XX/XX/XXXXXXXX  the mortgage company claimed not to find any information on the insurance policy, and I sent them emails with all of the relevant information. Yet they apparently never made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions 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:
Improper use of credit reporting; Credit ran without consent.

Creditors Name:

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 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Got a mattress from mattress firm 2 years ago through synchrony bank and somehow after 2 years of paying on time every month my balance was only {$40.00} lower than the original. So I inquired about this and was told I had to pay it off in a certain amount of time or get charged {$400.00} plus back interest. This was not told to me upfront. So I said yea I'm done with that. Now they call multiple times a day and on Sundays.

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 2022-11-07
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XX/XX/2022 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 2023-03-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, 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 was a victim of credit fraud in which someone tried using my identity to open credit cards. I filed all paperwork with FTC and all legal action is completed, copies sent to all the Bureaus. I need these unauthorized inquiries removed immediately!! 
The Unauthorized Inquiries on my EQUIFAX and XXXX XXXX Reports : Equifax : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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 reported to the credit reporting agency that they're violating my consumer rights by reporting private information and also that I did not consent to it being reported. They claim they verified the debt and continue to keep reporting it. The agency did not verify the debt with me nor state who they verified the debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: ID Analytics, 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: Personal information incorrect

Complaint:
Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a phone call from Holloway Credit Solutions on XX/XX/2020. Returned their call to inquire why they were contacting me. First representative requested personal information to identify me and then told me I would receive a letter in the mail, she would not provide me with any information about the account that was sent to them to collect. She then hung up on me. 
I attempted to call 2 more times and was hung up on those times as well. 
My third attempt, I did speak with a representative that advised me of company that sent my account to them for collection. This account is for a medical facility ( XXXX XXXX XXXX ) that I am paying consistent monthly payments to and should have never been sent to a collection agency. I informed the representative of this and he said I need to make a payment over the phone with him immediately. He stated that they were reporting this collection to the credit reporting agencies and it would affect my credit. He also stated that the company ( XXXX ) was a member of the XXXX XXXX XXXX ( they are not ). One of the representatives wanted to know who I was employed with and other information that was not relevant either. I did tell them not to contact my place of employment. 
This account should have never been sent to them by the health care provider. 
Business practices from XXXX are unacceptable, unfounded, unethical, misleading and they should not be allowed to harass consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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 reached out to let the company know that the information being reported was inaccurate and was told that it would be removed.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX 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/2021

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 2023-10-06
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:
TransUnion, I was a victim of identity theft and there's 2 unauthorized hard credit inquiries that are not mine and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Please have these removed immediately as they are damaging my ability to obtain credit.

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 2022-11-07
Company: Sunbit, Inc.
State: NV
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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX/Sunbit XXXX/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX  XXXX ) XXXX Comments Unpaid balance charged off XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The buyer is fraudulent they received the items as shown on the conversation pictures taken from XXXX chat with them and also got their refund totaling {$660.00} for both payments, they decided they dont want to cancel their transaction and called XXXX with false information initially stating the transaction was unauthorized then changing it to item not received because they want to get their fees back from XXXX. When the items paid for were delivered to them with the tracking number provided XXXX  closed the case and releasd the funds to me. I refunded them based on the funds available in my account through XXXX  with the following calculation the fee on the {$290.00} received was {$8.00} and the XXXX  fee on the {$400.00} was {$11.00} which total {$20.00} for fee on both payment of $ XXXX $ XXXX which XXXX left with {$660.00}. The buyer was refunded {$660.00} on XX/XX/22 to their XXXX  name XXXX XXXX with phone number XXXX confirmed by XXXX before the payment was sent. They are responsible for the fees charges by XXXX because they cancelled their transaction and the amount released by XXXX was credited to them through XXXX  on XX/XX/22 please find attached proof of refund payment completed. The buyer claimed they did not receive the XXXX  transfer and wells fargo refused to reverse the transaction or put a trace on the transaction or cancel the XXXX  transfer since the buyer claimes they didnt receive the XXXX  refund.

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 2023-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Talked to XXXX after I saw my XXXX credit score dropped XXXX points, which disqualifies me from getting a mortage I urgently need. I am forced to either buy the house I leave in or evacuate the premises with XXXX children by XX/XX/2023. 

XXXX explained to me what triggered this, which make my credit score below XXXX which I urgently need to apply for a mortgage. 

There were 2 hard enquiries on my credit score check that I was not aware of and that I never authorised with institutions I did not contact 1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX : XXXX XX/XX/ Please help me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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:
I submitted this complaint to update this suspicious information. The XXXX Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX : {$65000.00}.

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 explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
They have wrong address and names in my credit report I went remove

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 2023-08-27
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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 sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX requesting documented proof of the credit inquiries listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: IN
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: Other problem getting your report or credit score

Complaint:
I am trying to purchase a home and my loan officer notified me that Equifax placed a fraud alert on my credit report which I never authorized and theyre not able to pull it. I contacted Equifax, faxed them all my documents they requested for more than 2 weeks now and they still wont remove the fraud alert for my loan officer to access my report. I have called them severally and they still wont do it. I am currently stuck because of Equifax for a home Im supposed to close this month. I called them on Friday and they didnt do it. I called them with my loan officer on Saturday and we were on the phone with them including my loan officer and still wont do it so my loan officer advised me to take this step

Company response to consumer: Closed with explanation