BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: GA
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 have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. 
The company showing on my report are XXXX XXXX XXXX XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had used a loan through Toyota Financial to purchase a new Toyota Tundra from XXXX XXXX Toyota in XX/XX/2020. While speaking to the sales representative and the financial representatives, I was coerced into buying an additional security package as well as extended warranty/service items. 
After probably a month, I felt like I made a mistake by purchasing the additional bundles and I contacted Toyota at XXXX XXXX several times to rectify the issue by cancelling the services. One, I made numerous attempts to contact my sales representative, to which she never replied, and had to make several trips to the dealership to speak with someone. 
I was told that the security package was nonrefundable, and that the extended warranty services were refundable but that XXXX XXXX would not be able to do it for me and that I would have to take care of it on my own. Eventually I was able to convince them to submit the paperwork on my behalf, however my monthly payments remained the same. 
I was then stationed in XXXX and was unable to get any confirmation from XXXX XXXX whether my additional bundles were cancelled. 
Additionally, I was also promised an installation of a rear sway bar as part of my deal, but XXXX XXXX never fulfilled this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a XXXX mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you very much Delete from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the below accounts have violated my rights. 

XXXX Account # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I disputed this account on XXXX and I haven't got a response. this account needs to be deleted. it has already been non verified by other companies and deleted. so Experian has to delete this by law. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by 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 2022-10-11
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The initial complaint is with XXXX XXXX. XXXX .Who was a division of XXXX XXXX XXXX will no longer have any correspondence with me as they do not service my mortgage anymore. Close the end of a forbearance period In 2021 I had applied for and was given a new interest rate of XXXX XXXX. 
The new bill clearly spelled out the individual amounts which was to go to Principal, Interest and Escrow. I began paying the total amount which was {$1000.00} {$260.00} : for Principal, {$420.00} : Interest, and {$330.00} towards Escrow. 
The outstanding Principal at the beginning was {$150000.00}. 
I was late on my XXXX payment but Doubled up on my XXXX payment. 
I called in to let them know what I did, I was told that I was not late in fact I had overpaid!, which came as a surprise to me. 
Looking further at my Statements December 2021-May 2022 my statement had {$260.00}, going to Principal, {$420.00} to Interest and {$0.00} going to ESCROW. 
I asked about this several times, even asked to speak to a XXXX who told me all was well. In XXXX I received a letter stating that my taxes and Insurance had to be paid, as there was insufficient amount in my Escrow account my Escrow payment amount would now have to increase. My new Monthly payment would be {$1100.00} with {$440.00} going to Escrow. In XXXX of XXXX again received another assessment This time my Monthly payment would be {$1100.00}, with {$510.00} XXXX going to Escrow, {$260.00} Principal and {$410.00} to interest. 
In XXXX the mortgage was transferred to Fay Servicing. I called about paying my XXXX Mtg but was told I couldn't as I had no account number. I was able to pay both XXXX and XXXX. I have now received another statement from Fay servicing, stating that I have insufficient amount in my Escrow account, my new monthly payment will be {$1300.00}.

My interest rate has gone down but my payments have increased and principal is increasing. *****There obviously was a dire mistake at the start which has continued to snowball. If this continues, I WILL NOT BE ABLE TO PAY MY MORTAGE. 
Please help solve this unfair mistake that I'm paying for. 
thank you XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Grant & Weber
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GRANT & WEBER INC has been attempting to collect a debt from me from they opened XX/XX/XXXX, representing XXXX AT XXXX XXXX that permanently closed in XXXX two years prior to the alleged debt to be collected. Not only is this a billing mistake but it has also surpassed Texas state statute of limitations according to section 16.004 Texas civil practice and remedies code. The statute of limitations on debt in Texas is four years.

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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
15 usc 1681 law incorrect information reporting on my credit report and its defamation of my character and making it hard for my credit score to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-17
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Systems IncXXXX states I owe {$1700.00} which I have paid to XXXX XXXX and is trying to collect on a paid debt by issuing a collection account on my credit report which is against the law. No proof that I owe any such debt and ask that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite XXXX XXXX clearing me of the debt, and stating they asked credit bureaus to seize all reporting, Portfolio recovery still negatively impacts my credit report, and harassing me for the debt I never owed in first place. 
Their dispute tactics is horrible, After they requested all the evidence which i sent they lie and claim I've never sent anything so I'm gon na attach it to this report, So it's clearly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: PA
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:
GREEN V. Experian, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing Experian suppose to remove the negative item but Experian don't want to remove the item, Experian, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,

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 2023-08-11
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX at XXXX XXXX  I received my money from social security into my account from NetSpend a place to order but XXXX worth {$1100.00}, the order was supposed to be delivered from XXXX to XXXXXXXX XXXX on the XX/XX/XXXX I never received my order didn't text me and told me it was a 2-hour delay then on XX/XX/XXXX at XXXXXXXX XXXX  I contacted XXXX they said we had came to an agreement to cancel the order on XX/XX/XXXX I been waiting ever since the line XXXX to today XX/XX/XXXX waiting for my money to be reimbursed back into my account because of them not releasing my money back into my account because they failed to do the code which XXXX has given me to get them I sent them an email from XXXX stating that the order has been canceled and they have refund me my money NetSpend has not yet given me back my money that money was to feed my children I am the payee they took money from my kids because of this I have to go to five different food banks in order to get food for my children they still been giving me the runaround they told me after 15 days the money will be back in my account and on XX/XX/XXXX it has not been put back in my account then they told me I have to wait till after 15 days and the days the XXXX and I still have not gotten my money in my acc I've been arguing with them all the last couple weeks I've been talking to them call me I've been patient with them and they have not yet but my money back into my account I'm struggling to feed my kids because of their negligence.

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 2023-02-21
Company: LEXISNEXIS
State: OR
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: Personal information incorrect

Complaint:
My LexisNexis report is enabling me to get verified for employment and housing because the person information the agency are reporting is fraudulent and was listed on my Identify Theif report my name has a middle name and a different ssn is reporting so I cant be verified by any employers and creditors I have dispute by correspondence and on the phone but CRA willfully not deleting the fraudulent information addresses and Names and ssn number thats a violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HAVE NO KNOWLEDGE OF THIS COMPANY NO WRITTEN NOTICE OF THIS COMPANY NEVER DID BUSINESS WITH THIS COMPANY NO WRITTEN NOTICE PROVIDED FROM THIS COMPANY NO PROOF PROVIDED FROM THIS COMPANY CONFIRMING THE LEGAL RIGHT TO CONTACT ME NO ORIGINAL PROOF NO AUTHORIZATION FROM THIS COMPANY THAT PERMISSION FROM MYSELF TO PROVIDE INFORMATION THAT THEY BELIEVE TO BE TRUE FROM MYSELF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRUIST FINANCIAL CORPORATION
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:
My rights have been violated and the following laws broken : 15 U.S. Code 1681 ( a ) ( 4 ). States I have a right to privacy 15 u.s.c. 1681 section 604 ( a section 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt My right to privacy has been violated. I did not give written instructions for my information or report to be furnished to this company ; nor do they have my written instructions to report my information to the Credit Bureau. This company does not have my consent to communicate with me. Reporting to the Credit Bureaus is a form of indirect communication and harassment.

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 2023-08-12
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I received an email from the Hunter Warfield collection company stating that I owe a debt of {$7900.00} from somewhere in XXXX XXXX, California with my name spelled wrong and to the wrong address. I believe this is due to identity theft because its with the same misspelled name as the last time when this happened previously last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2022-07-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries on my credit report were not from me 1. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX ) XX/XX/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 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2020-06-17
Company: MoneyLion Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the following account : Moneylion Inc. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with Moneylion. They havent moved a finger. Not even to investigate the account or marke it as disputed.This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to Moneylion the attached documents. 

Thank you.

Company response to consumer: Closed with explanation