BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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: Account status incorrect

Complaint:
My complaint is against Toyota Financial Services ( Toyota Motor Credits ). 
I have submitted many disputes with XXXX to investigate Toyota who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however Toyota keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with Toyota showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). Toyota also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. Toyota reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- Toyota intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that Toyota have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach Toyota financials to discuss this issue, I was informed by Toyota that they do not own this account anymore and that now it's with a collection agency, but yet Toyota continues to claim that this is their account and continues to report my account fraudulently as charge off every month to XXXX XXXX 

4- Toyota fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- XXXX relies on Toyota to update my account, but XXXX never investigated Toyota to make sure that Toyota is reporting the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred some funds into a savings account with citizens, transferred way more than intended, but could live with it. Was told it would be available for me to move money around. My money has been on indefinite hold since XXXX with no end in sight, no effort to communicate from them, awful experience. I have dates and data of all these if needed. It was my honest mistake to work with this institution I wont ever make that choice again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX I recieved a ( 2 ) letter ( s ) from Macy Credit Card by Department Stores National Bank and the date of the letter was XXXX XXXX, XXXX. XXXX of the letters, basically approving COVID 19 relief of allowing me not to make payments from a telephone request I made to them on XXXX XXXX, XXXX. Verbally they stated they would, then I recived a letter stating it was approved for 2 consecutive months. On the same day XXXX XXXX, the I received a letter stating they had not approved for several reasons. I called the bank and told them if in fact I was approved for COVID relief and they said no, but continued to tell me my next payment would be due XXXX XXXX, XXXX. I also informed them, that they had lowered my credit limit from {$10000.00} to {$4000.00}. Which definately dropped my score due to utilization rate being so high. 

They claimed they had provided me with Covid relief for 4 months prior, yet the pandemic is still ongoing. I recently lost my XXXX, and my XXXX and asked if they could lower my payment amount to offset my reduced income as I left my job to care for my XXXX and XXXX XXXX. since then I have taken a job which is paying less and I am also a XXXX but my sales have dropped due to taking care of family matters I am requesting they work with me to assist in lowering my interest rate or lowering my payment. Speaking with them has be to no avail. I have never been late on payments with this credit card, they simply stripped my credit limit damaging my credit. 

Why during the panadamic these Credit Card companies allow only a few months when the COVID 19 perisists. 

I need help. 


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 2020-12-16
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In my entire ( way too long ) life, I have never encountered a bank in any country, on any continent as pathetically inept and XX/XX/XXXX as the decrepit thing that is called CITIZENS BANK, N.A, the one located in XXXX, RI. 

Does the CFPB know that in, almost the second quarter of the 21st century, the only way to contact this XX/XX/XXXXdefectives is BY TELEPHONE! NO EMAIL, NO FAX, NO NOTHING BUT PHONE!! My XX/XX/XXXX has forbidden me to speak with call centers because it is deleterious to my health. Heres proof!

Phoning gets the customer to cubicles of bogus CSRs in 3rd-world countries, e.g., XXXX, XXXX XXXX, etc. where NO ONE ( and I mean NO ONE ) speaks or understands any form of English that I was taught as my first language from birth. And when I scream repeatedly, " I DON '' T UNDERSTAND A WORD YOU ARE SAYING!! I WANT SOMEONE WHO SPEAKS INTELLIGIBLE ENGLISH!!! ", the answer is ALWAYS : " I speak English! '' Well, how shall I put this? Go XX/XX/XXXXyourself, you useless XX/XX/XXXX! If I can not understand you, then you do NOT SPEAK ENGLISH. This is what the shysters in the C suites of this prolapse bank think is how to treat customers. In the past 3 months, I have closed a credit card account ( with a $ XXXX credit line ) and now a ludicrous checking account with a balance of ... XX/XX/XXXX XX/XX/XXXX US dollars XXXX 

And it took me XXXXXX/XX/XXXX calls XXXX XXXX XX/XX/XXXX XX/XX/XXXXto finally reach another XX/XX/XXXX in the USA. The first 3rd world XXXX with XXXX leakage ( an alleged manager who is only qualified to lick my XX/XX/XXXX) told me there was no such account with the account number I gave him. Really,XX/XX/XXXX How come the fist-bottom XX/XX/XXXXin the US could find it with no trouble? Why? Because you are a genetically defective mutant whose entire race escaped XXXX and should be extinct. But rather than extinction, these citz bank XX/XX/XXXXPAY YOU A SALARY because they believe that, not only will you SOLVE PROBLEMS, but also engender customer retention. Chew on my XXXX, XX/XX/XXXX! 

The lyingXX/XX/XXXX in the US whom I interacted with on XX/XX/20 my 16th XX/XX/XXXX phone call told me he had closed my account ( he may have had a human name, but who gives a XX/XX/XXXX what it was? ), gave me a confirmation number [ XXXX ] that he no doubt fabricated out of his XXXX, and told me I would receive the {$6.00} balance in my account by check mailed to the address on file that he confirmed. Lying XX/XX/XXXX. 

Never have received anything. Never will. I would relinquish my XX/XX/XXXX XXXX XXXX if this company and every XXXX who is employed by it would implode. 

That's worth XXXX XX/XX/XXXX dollar any day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
1. Payments made arent applied properly.

2. Incorrect credit reporting.

3. Credit Acceptance obscured the true cost of its loans to car buyers, leading to severe financial distress for me.

4. Aggressive debt collection tactics on loans its own systems predicted that borrowers cant afford to repay.

5. Impossible to pay off loan due to manipulative tactics to set up me up to fail.

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 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
As I reviewed my recent report, I have found an erroneous unknown inquiry reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2020 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 2023-08-03
Company: EQUIFAX, INC.
State: MI
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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
PayPal is managing everything and not releasing information. XXXXXX/XX/XXXX is on the leash with PayPal. There is no separation between the two. No phone calls are returned to me. Everyone is reclining on information. The purchased of the bike is XXXX it is the wrong size, it is the wrong color. I'm XXXX ' XXXX '' .. I got a bike for a XXXX ' XXXX '' person and Im not going to make a mistake like that. By PayPal return policy it's an automatic refund. A return label ( PayPal ) was given by merchant an it was not recognized by XXXX what I called XXXX. I know PayPal has been the merchant all the way. PayPal did not issue me an ( knowingly ) order ID number either needed by XXXX. After 14 days PayPal comes with a settlement of {$30.00} to ship the package. That to me is " extortion. '' I've been battling 40 hours on this issue for 2 weeks. Consider someone's time please. Still the bank refuses to issue refund. Immediate firing of the bank personnel shall be imminent. XX/XX/XXXX so calls " general department '' the claim center. And no one can talk to a claim center representative. Also the removal of PayPal employees should be considered. No joke they have hired " grammar School employees '. I do not believe XX/XX/XXXX employees do not have a high school education. I would like an immediate refund. This has been a laughing matter. This is a humiliation at a bank level and at a federal level. I was a process server and retired. I had a money market from the XXXX XXXX XXXX. And yes I am a member of the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
XX/XX/2016 I went to XXXX XXXX  XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX for 8 and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX Bank correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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