BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Beginning XX/XX/2020, I sent my first letter to Transunion regarding inaccurate and unknown things on my credit report involving XXXX XXXX Credit Card and XXXX XXXX. I have sent several letters since then but to this day, I have not received a prompt and correct resolution from neither company. They keep improperly validating accounts that are not mine and its really XXXX me off. They have yet to provide me with the requested information that I sent in my dispute letters. They have no consideration for my health or well being and its hurting me and my family tremendously. Due to their lack of professionalism, I have received numerous credit denials and high interest rates that make it very difficut for me to be the best provider I can be to my family. The bureaus have caused me a lot of XXXX  and XXXX  and truthfully I'm tired of the XXXX! I have been fighting with them for almost a year about this inaccurate and unverified infomation on my reports. I feel like I'm being taken advantage of and my disputes are being ignored.In Section 611 ( a ), it is clearly stated that a failure to properly investigate these items within 30 days gives a reason to delete the items from my credit report. I've sent FTC letters to them as well since my information was in several credit data breaches and they still refused to properly investiate. I demand these items be removed mmediately! If they are not removed, I will file for 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 explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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:
Please see attached all XXXX bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 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 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-05-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have already filed a complaint with you all about this. Toyota Financial is still saying I owe them {$200.00}. Now they are saying I made partial payments which is not true I will submit my itemized statement and bank statement. They are not being honest and I am not going to pay this. I will reattach my statement and my bank statement and you can tell me where I made a partial payment. This has been a nightmare!! I go on their website to get the pay off so I can get a different loan and it won't let me on. This company has some of the WORST reviews on XXXX and I want to be free of them. PLEASE if you can see where I owe them the {$200.00} I will pay it. I've been told that I missed XXXX, XXXX & XXXX payment. Then the next person told me that I miss XXXX which I actually paid the end of XXXX. I have not got the same answer or a straight answer from any of them. I now got a notice from their collection department. This is not right and because they are a big company they think they can get away with it. But they have messed with the wrong person!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I called XXXX XXXX, who had me talk to their billing Dept, Receivable Management Group, to pay a bill {$54.00} confirmation #... I Spoke with XXXX XXXX. He took my payment and told me I had another bill that had not been paid from XX/XX/XXXX for {$150.00}. He told me they reported it to the credit bureau. I never received this bill! When I told XXXX XXXX I never received this bill, XXXX looked into it and said it was their mistake as they sent the bill to an incorrect address. ( I spoke with XXXX XXXX on XX/XX/XXXX ). I also informed him the insurance/health share I had at the time, XXXX XXXX XXXX no longer existed as they declared bankruptcy. He also confirmed that this was correct ( XXXX XXXX took our money for 2 years and never paid a single claim ). He told me my credit would be restored and the issue would be sent to the back office team to be resolved to {$0.00}. He told me I could call back in 7-10 days to check the status. 
XX/XX/XXXX I talked to XXXX XXXX. 
On XX/XX/XXXX I talked to XXXX, then XXXX because I was still showing that I owed. 
On XX/XX/XXXX I talked to XXXX, who said she'd send to her supervisor in resolutions. Said she'd call back and never did. 
On XX/XX/XXXX I called and talked to XXXX... told it was still in Resolutions. 
On XX/XX/XXXX I talked to XXXX x XXXX, still owed. 
On XX/XX/XXXX XXXX  (? ) called and was finally told it had been cleared. 
XX/XX/XXXX Talked to XXXX x XXXX x XXXX confirmed I do not owe. 
XX/XX/XXXX Letter Dated and I received shortly after saying I still owe {$150.00}! 
I received no notification or bill for over a year and a half that I owed a bill. Texas Law states that they have 11 months to notify or send a bill.

I do not owe this bill. I pay all my bills. I would like my credit cleared ( they told me it has been ) and I would like this bill to go away. I would like a statement showing I do not owe and my credit is not affected.

Receivable Management Group Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.rmgcollections.net

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX  XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$750.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XX/XX/XXXX {$680.00} XXXX  XXXX XXXX XX/XX/XXXX {$420.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XX/XX/XXXX {$650.00} XXXX  XXXX XX/XX/XXXX {$640.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes 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 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/, we received a letter via XXXX from True Accord. True Accord, is a collection agency. The agency refused to provide to me and claims to not have any evidence of the debt, despite having sent the demand for payment. This violates the provisions of FCRA and FDCPA, inter alia. In an email from me to the agency herein named, I disputed the debt. The fact is that the agency can not contact or communicate an alleged debt to a consumer without first having verified the debt. This community from True Accord violates consumer protection laws. In addition, XXXX XXXX XXXX, at no tike, ever sent to me any claim that a debt was owed. This instance is the first instance of communication from a third party or XXXX XXXX XXXX. It is presumed that XXXX XXXX XXXX has shared my personal information with this debt collector without right, without my knowledge or my consent. I intend to recover damages from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the SAVE program XX/XX/XXXX. They ( MOHELA ) denied SAVE program XXXX XXXX. They will not say why or give me any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Our phones and computer were hacked, resulting in an unauthorized user taking over {$16000.00} from our checking and savings accounts. Chase Bank in XXXX, Michigan has accused us of letting it happen, and they are not being cooperative in helping us get our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an interest free loan with Care Credit ( Synchrony Bank ) that expired on XX/XX/XXXX. I was current with payments. In order to avoid interest, I applied for and received an online credit card for a balance transfer card, with zero interest, for 21 months through my XXXX XXXX XXXX account. I have been their customer for 25 years. When filling out online transfer information I gave them my full account name and number for where the payoff would be sent. I also sent the next minimum payment to Synchrony to manage any possible processing time.But when the payment never showed up, I called XXXX XXXX XXXX and they told me several things unspoken before. 1 ) Is the payment would be sent to me to send yet again to Synchrony and NOT electronically. 2 ) That because I had applied online vs in person or by phone, It wouldn't be sent directly to creditor 3 ) That Synchrony bank never accepts electronic payments. They told me they would STOP PAYMENT on the check and I was to destroy it but they would send it directly. The check did not arrive until XX/XX/XXXX and I destroyed it. BUT Synchrony charged me {$2100.00} interest on XXXX!!! I paid that down with another balance transfer electronically. However, the second check sent directly to Synchrony for {$11000.00} was RETURNED as unaccepted to XXXX XXXX XXXXXXXX. I noticed unpaid funds after they posted then unposted! I called both banks! Synchrony would not allow me to make the {$11000.00} payment online but gave me a different address to overnight yet another check. It was supposed to be processed today but hasnt yet. WHO OWNS THIS PROBLEM? As a consumer how would I have known this convoluted process! Why did it cost me {$2100.00} to try to reduce my interest?

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

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 an 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1 ). No record of " payments '' made while under IDR plans 2 ). No information received when requested on this issue.

3 ). No communication with new servicer Mohela and no communication between their site and Studentaid.gov 4 ). Multiple loan repayment discrepancies so the process has been conflated and confusing.

5 ). Multiple calls/emails and no information that is helpful to this situation has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was pinned with several late payments up to 90days ... Capital One Never Sent my Billing Statements To The Correct Address. Ive tried to dispute this with them several times and they refused to do anything about it. If anyone take a close and careful look at my payment history with this company or any other company on my credit profile Ive never been late or missed a payment. The statements was being sent to an address I had no association with. They have me paying on time with XXXX in the month of XX/XX/XXXX but 30 days with the XXXX and XXXX. Then 30 days late with XXXX in the month of XX/XX/XXXX but in the same month 60days late with the XXXX and XXXX. 60 days late with XXXX in the month XX/XX/XXXX but 90 days late with with the XXXX   and XXXX. In the month XX/XX/XXXX XXXX 90days late but now we have on time payments with the XXXX and XXXX. So as you can see the information have been reported incorrectly the entire time they was sending the billing statements to wrong address. Now they want me to pay the price for they mistakes ... All I want is for the all the late payments to be removed. For a loyal customer since XX/XX/XXXX with no late payments ever. I feel that them making a an adjustment to correct the late payment will be very satisfying to a loyal customer. All late payments should be removed immediately. Reporting inaccurate information is terms for deletion according to FCRA.

Company response to consumer: Closed with non-monetary relief