BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
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: Account status incorrect

Complaint:
XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago

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 2022-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: LEXISNEXIS
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently received a copy of my credit report for LexisNexis, which I see that there is a bankruptcy showing on it. I have tried to dispute it with them, and have not gotten any results back. I was disputing it for incorrect information, as they have stated the person reporting this information is nonother than the US XXXX  Court Of Kansas. I have checked with the US XXXX  Court Of Kansas, and have received a letter stating they do not report to anyone. I have attached said letter for the records. I would like to get this handled as soon as possible. I am thankful for the time that would be given to investigate this complaint, and I look forward to hearing back from you all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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 is missing that should be on the report

Complaint:
Credit Reporting Issue I have an account with Toyota Motor Credit that is currently CLOSED and PAID OFF. However, the account and history is only being reported to XXXX and XXXX. It is not being reported to XXXX. The account previously was reporting to XXXX. PLEASE NOTE, I AM NOT DISPUTING THIS ACCOUNT, THEREFORE A DISPUTE COMMENT SHOULD NOT BE INSERTED ON THE ACCOUNT WITH THE CREDIT REPORTING AGENCIES. Refer to Screenshot attached to this complaint for credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My edd prepaid debit card XXXX is said to be cancelled/ frozen by my sponsor Edd . This is not true and furthered my complaint by calling Bank of America Edd Prepaid card - Liars! They said they have no power over permanent closers. So,. Hears what I would like to happen .... Please re-open my debit card ending in XXXX and give me all of my money back, yes, it's only fair. Considering, the Bank continuously verifies me, sends codes, gives me the wrong balances, goes past cla maturity dates, etc, etc. Someone was tampering in my account from the very beginning- I filed a major complaint against this. Someone in another State had my same account number. The issue was never fully addressed! My account appeared to be cloned. My ex-employer got finger for tax evasion and was ordered to pay 3 retroactive back pay and damages.The money in the account XXXX came from because someone else in, XXXX, Florida was 1 using my benefits. My identity had by an administrative law judge. Still s series of issues continue to come up regarding mishandling.,. Mainly on behalf of Bank of America. There was a major complaint against XXXX XXXX XXXX XXXX, CA XXXX. There are still funds that exist unpaid. When asked to submit supporting documents by fax .... My transmitters would never go through. All terminals here locally were blocked,!! I had no debit card to activate any movement on the sccount conventionally. The be it cards ordered went to the, Florida address, until the clutch was taken seriously by Bank of America. By then major damage to my account XXXX was done. Also, with Pandemic amounts ad well... I purchased a vehicle and the dealership billed the entire amount electronically through there terminal, then the amount of the actual purchase was billed, {$1100.00} plus an additional $ {$2000.00}, please note - the {$2000.00} was never returned to me as the vehicle was returned back to the dealership for Respectfully, 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 monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
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 am writing to dispute certain inquiries on my credit report, which I believe to be unauthorized and inaccurate. These inquiries are negatively affecting my credit profile, and I request a thorough investigation into their validity and removal if found to be unjustified. I have not applied for credit with the entities associated with these inquiries, nor have I given them permission to access my credit information. As such, I have reason to believe that these inquiries were made without my consent and are in violation of my rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2022. Please delete these inquiries immediately.

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 2023-02-07
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 am challenging an account that Experian, XXXX, and XXXX are reporting on my credit report. They are reporting 2 late payments for XXXX XXXX XXXX XXXX when I was never late. I sent a letter many times informing them of this, but my request fell on deaf ears. I do not believe they started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I reached out to the creditor, and they informed that no one reached out to them to inquire about the account. I am demanding that this account be updated to paid, never late.

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 2019-09-03
Company: Rossi Law Offices, Ltd
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 - I received a letter from Rossi Law that I owe {$130.00}. 

CREDITOR NAME : XXXX XXXX XXXX XXXX   XX/XX/2019 - I sent a letter requesting verification of the debt, copies of the original, signed and dated transaction. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Rossi Law Offices LTD XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX : Account # XXXX The purpose of this letter is to dispute the debt of {$130.00}, for which I received notice of collection on XX/XX/2019. 

Please send verification of the debt or a copy of the judgment against me. Also send the name and address of the original creditor, and copies of the original, signed and dated excise transaction. Any other details you can provide will be most helpful for resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I did not receive any verification information. 
XX/XX/2019 I spoke with XXXX at Rossi Law. Her answers were ambiguous. She said it is illegal for her to send me that information. 

I want the information that is associated with my name in this debt account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My employer received a wage with holding document to garnish my wages. There is no court order for this garnishment and there is no debt owed and the credit bureau Experian will not remove this from the 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 explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Bank of America on XX/XX/XXXX to continue with my forbearance as I received a letter from the bank for me to call whether I will continue or not. 
The representative requested for me to call back on the 1st week of XXXX as it was too early to request the 2nd forbearance. 
I contacted BOA on XX/XX/XXXX, I was informed by their representative that my mortgage was sold to a new servicer. When I asked the representative as to why I was not notified of this change, she informed me that there was a letter sent out on XX/XX/XXXX ( after I asked for continuation of forbearance ) stating that I have a new servicer. 
I asked the rep as to why on XX/XX/XXXX call the other rep did not inform me of this change, she had no answer. Also apologized that I did not get a letter. 
I received a loan modification forms stating that I have applied and requested which is not correct. I have not applied for a loan modification. 
I contacted the new servicer, they can't help me as I was informed and was requested to call back BOA. 

I called BOA on XXXX, informed that they can't help me. 

I requested to talk to a manager, who informed me that they don't do forbearance any longer and apologized for the confusion. 

I requested compliance line to file a complaint with BOA, i was told that I could only file the complaint with them. I filed complaint. 

I do feel that BOA is retaliating against homeowners utilizing their rights when needed, and selling the loans to different providers due to fear of losing money. 

The lack of transparency and dishonest practices, I feel like my rights are violated. I was flagged utilizing my very right, and was retaliated against due to insisting on practicing my rights.

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 2023-07-20
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: NJ
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 have held accounts with TD Bank in the past subsequently, I closed the accounts, and fyi I would like to add that my daughter is still due monies based on their " XXXX XXXX '' I recently purchased furniture with a company I trust, and depended on the associates to the financial institution funding. I was unaware that this was a TD financial account ( I never would have agreed ) However, I am now in a receipt of an account evaluation, this was opened on XX/XX/XXXX and, I opened the account in XX/XX/XXXX and now seriously delinquent. I have never missed a payment and pay above the minimum payment. I was late by 2 days due to the fact that they do not receive electronic payment and request checks. I am without upset and was recently and abruptly dismissed by the representative that I spoke with after the notice. I am not " seriously delinquent '' and I am appauld by a bank that advertises that they are there for you or even offer forgiveness in Publically/televised advertised adds. I am unsettled by this recent correspondence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03
Company: Consumer Portfolio Services, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have consumer portfolio services I pay monthly for my car. I paid XXXX car payment and it wasnt credited to my account. I tried paying XXXX XXXX and for some reason it kept saying failed but I knew I had the money on my credit card. So I called consumer Portfolio service and it went to someone house phone that works for them left messages. Then I called my credit card company and with transactions when the payment that was getting declined said XXXX  but also said it was going towards a mortgage payment. I called XXXX  and of course no answer let a few messages then I called my credit card company and reported fraud and canceled the card and getting a new one. I am so beside myself I am grateful that it didnt go through. I am not going to pay them with my bank account so I dont know what to do. I also want to know what happened to XX/XX/2022 payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: GA
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:
Equifax dropped my credit score 87 points without any negative information on my credit report. Reason given was " Lack of real estate accounts on file ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Netspend Corporation
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX XXXX phone services put a charge through on my card. I no longer use their services, and tried to cancel through XXXX and they told me there was nothing they could do to refund my money. I called Netspend, my card company and explained to them the problem, they opened an investigation and my money was returned, I was assured they, XXXX, would not be able to do it again. Well they have done it again and I can't keep going through this for a service I no longer use.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-07-20
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 " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The date began was XXXX, 2020. From a recommendation of a company called Check n go for an installment loan. The amount borrowed was {$2000.00}. dollars, received {$1600.00}. oo, the r3emanider was paid to Check n go for the balance on a loan. The website was called XXXX XXXX, which was redirected to the company called XXXX, which is also part of Check N Go Corporation, in XXXX Ohio, They wante a total of seventeen payments, of {$280.00}, I missed one payment which I informed them, that the account which was ACH by the way, was to be closed or so I thought, and I would send tem a new account, which is called XXXX, I changed my mind and sent them postal money orders, which they sent me three different amounts, that I owe, now they want another XXXX, dollars which I am not going to pay. I have already paid {$2300.00}. 00 back. I checked with the Chamber of Commerce in the city, they told me Check N Go bellied up. Went out of buisness, address was listed under renovations. So I have not paid any more payments. Their collection department sent me another bill for {$860.00}. XXXX, The website, XXXX XXXX, which is supposed to be their website, has diplays of tvs, tablets, other electronics for sale. The percentage rate is astronomical, I do not recall them specifying the amount, of percentage and daily rate. I assumed that the loan was for the amount paid off, as well as the balance. I don't have a problem paying what I owe, but another amount that XXXX have been paid what I borrowed plus some interest, Please investigate this matter for me, if you have any questions or need paperwork, Please give me time to obtain it by printer, and I will fax to you.

Company response to consumer: Closed with explanation