BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
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:
XXXX, Trans Union, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, Trans Union, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Trans Union, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, Trans Union, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, Trans Union, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts

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 2023-05-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/23 Loan Maturity {$76.00} balance due XX/XX/23 Auto payment- {$360.00} Over payment- {$280.00} XX/XX/23 Auto payment- {$360.00} XX/XX/23 I attempted to stop this payment with my bank payment was already dispersed. 
Over payment - {$360.00} XX/XX/23 Refund {$280.00} for XX/XX/23 auto payment Letter confirming loan is paid in full accompanied by Vehicle Title. 
XX/XX/23 Letter from Toyota stating 'contract/loan has matured and TFS has received all contracted monthly installments ; however there is a balance of {$76.00} due on the account. Please forward {$76.00} to TFS. ' XX/XX/23 Stop payment- {$280.00} for XX/XX/23 auto payment refund Stop payment fee - {$15.00} bank fee Off shore customer service would not transfer my call to a supervisor, resolution specialist or bounce my call to the United States. 
Did not receive a call back as promised from Resolution Department XX/XX/23 Faxed bank statements to Toyota XX/XX/23 Filed a complaint through XXXX  ID XXXX. 
XX/XX/23 Toyota complaint XXXX closed, not resolved. 

Toyota Collections Department has called everyday wanting to collect {$76.00} past due. 
Credit report received late payment notice. 
XX/XX/23 Filed a Dispute through XXXX to Toyota Financial Services XX/XX/23 Account balance on TFS website {$360.00} outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have tried several times to fix this inaccurate public record on my consumer report. My file has been mixed or merged with someone elses and the bureaus failed to properly investigate. They said they verified with XXXX XXXX, XXXX XXXX removed this fraudulent public record after an investigation ( I have attached proof ). I contacted the US Bankruptcy court they said they did not report any information concerning me to any of the bureaus ( I have attached proof ). Lastly I have filed a report with the CFPB about my situation with the merged file ( I have attached proof ). I will not stand for this blatant violation of 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 2023-12-12
Company: Amsher Collection Services, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi my name is XXXX XXXX Somebody use my information on credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I tried to dispute but they refused... 
It drawning my XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Genesis FS Card Services, Inc.
State: GA
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:
I would like these inquiries removed off of my account because I did not authorize them to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ALLY FINANCIAL INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've had a debit card with Ally Bank for a year and a half. Earlier this month ( between XXXX XXXX - XXXXXXXX, XXXX ) I had a fraudulent charge on it. I closed the debit card and tried to contact Ally. I am hard of hearing and it's hard for me to call them on the phone, so I used their chat feature. If I put in a request for an agent at XXXX XXXX, they'd finally respond by XXXX XXXX when I was sleeping, then close the chat/ticket because 'I did not respond in time '. Because I was asleep. 

After at least five requests, that card was closed, however as of XX/XX/XXXX I found that fraudulent charges were still trying to be charged onto that closed card. I only received the new card on XX/XX/XXXX, only put two XXXX transactions on it, and on XX/XX/XXXX I found TWO MORE fraudulent charges on it. 

I have since requested any debit card I currently have with them deactivated and closed. As of now I am waiting for my money back and will be transferring my funds to another bank.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents provided. I am urging the bureau to begin an investigation into these accounts, as they inaccurately portray me as 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, 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 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 2022-08-28
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice from MIDLAND FUNDING about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND FUNDING on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent MIDLAND FUNDING another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND FUNDING on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Investigation took more than 30 days

Complaint:
I sent a letter out in XX/XX/2022 to XXXX, XXXX, and Equifax. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2023-07-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage loan # XXXX On XX/XX/XXXX I bought my new homeowners insurance with XXXX, Termite my previous XXXX XXXX on XX/XX/XXXX. 
On XXXX, the lender also sent the insurance fee {$330.00} to XXXX. 
Then the lender increase my monthly payment from {$970.00} to {$1000.00}, overcharge me about {$76.00} per month, lender also open an escrow account on my loan payment, charge me {$28.00} per month till end of loan payment, so I have to pay the {$28.00} on every month for another 22 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Remitly, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
im trying to collect debt for the amounts of {$2300.00} and {$2300.00} f from remitly bank XXXX the merchant i purchase clothes for my clothing buisness that supposedly got delivered with no signature nor did i received and filed the disputes on XX/XX/23. They put my account on negative with my bank XXXX XXXX due to the fact i followed a dispute with the bank remitly and not with the merchant directly. I have no way of contacting the merchant and XXXX XXXX my bank would not help me and told me its out of their jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA
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:
Im XXXX XXXX, Vanderbilt  mortgage company in XXXX TN, XXXX is reporting a mortgage to my XXXX  credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted Vanderbilt dozens of times but still no action has been taken!

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 2019-02-13
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX   and I received no reply.

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 2023-12-12
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I went to go look at my report & I see this person calling me a debtor ( XXXX XXXX XXXX ) I dont know this person, & I never did business with them. I dont owe them anything that theyre tryna collect. Its causing me damages & hardship XXXX & this person dont have any contracts & I didnt give written consent for them to furnish my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have previously disputed the account with XXXX XXXX XXXX XXXX and TransUnion stating the account is being reported inaccurate. The account is being reported past due, but the account was closed on XX/XX/2023. Per the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 section 623 subsections ( 7 ) ( A ) ( i ), I am to be notified, in writing, of the furnishing of negative information to the consumer reporting agencies by the financial institution. XXXX XXXX XXXX XXXX did not provided me, in writing, the notice of furnishing negative information to the consumer reporting agencies before or 30-days prior to furnishing the information. I have ask TransUnion to investigate this issue but the consumer reporting agency have failed to do so. The account is not past due and no written noticed of past due account was sent to my home address. My home address is shown on my credit report and is shown in the attached document provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Resurgent Capital Services L.P.
State: IL
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:
Collection agency LVNV Funding was asked by me last year and on XXXX XXXX to send itemized transactions and my signature. I told them that I had been stuck up by gunpoint. LVNV stated that they only show 2 transactions that equal {$37.00} dollars. I asked how are you trying to collect {$1100.00}. I received a bill with no information but that my balance is {$1100.00}. I am faxing supporting documents to XXXX. Also on my credit it is showing that I opened up a new XXXX XXXX Account and I did not. 
XXXX XXXX reporting wrong amount owed

Company response to consumer: Closed with explanation