BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Global Trust Management LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from  XXXX   XXXX  of  Global Trust Management  today stating he previously left a mesage with  XXXX   XXXX  in regards to the debt. I explained that I had not receieved any message. He then wanted me to provide my date of birth, I told him due to the amount of identity fraud I refuse to identify any information and all communication should be through the mail. He stated he needed to verify my identity before discussing the debt. I again refused and asked him to send all correspondence through the mail. He stated the address and I said yes send all replies via mail. He then proceeded to discuss a debt stating I do n't have a paid in full letter and he is reaching  out one last  time before he decides what to do with it. I have heard nothing from this company or gentleman nor have I received correspondence un the mail in order to dispute. He then became belligerent at which time I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Capital One checking account number XXXX has been frozen since the end of XX/XX/2023. When I call the number as instructed all I get is a recording and no one returns my calls. When I do talk to a representative they transfer me again to the recording I can not speak to a live representative as to the status of my account and why it is froze and I do not have access to my funds. This has been going on in Access of 3 months without a word from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last week I was contacted by a debt collection agency by the name of  XXXX   XXXX   XXXX ,  XXXX  and told that they had a debt of {$150.00} that I owed Fifth Third Bank. I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I ow ed Fifth Third Bank anything and they told me that the email was all they had. I have been called upwards of 20 times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If Fifth Third contacts me with proof of the debt then I will pay the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Union Rejected Loan Application or increase in credit due to a low credit score and has incorrect information regarding student loan payments which has gone on for XXXX years because of the XXXX situation. 

Credit Union XXXX XXXX XXXX XXXX XXXX ) uses Experian to report and submit credit lines. Yet they are not connected to EXPERIAN, XXXX XXXX security )  for privacy safety issues. 

Since they use EXEPERIAN, I lost points as I paid for Experian for over a year trying to gain credit points, but the Credit Union didn't allow a connection to my account to see how I paid my bills. 

This cost points. They use the money, but they do not participate in the EXPERIAN CREDIT BOOST ( {$240.00} yr ) could have assisted a climb in my credit score. 

I've paid off loans, and as much as the COVID system has allowed, I pay my bills on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Ive called SANTANDER CONSUMER USA XXXX, and have asked their XXXX office multiple times if they could correct my billing error. 

Pursuant to XXXX XXXX XXXX ( B ) ( i ) - Correction Of Billing Errors I, XXXX XXXX, the natural living consumer and XXXX, has reason to believe and does so believe I have received a billing error from SANTANDER CONSUMER USA XXXX, and I need all disclosures required by federal law to satisfy the billing error dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-11
Company: NCB Management Services Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not owe anything from these Debt Collectors ; 1. NCB MANAGEMENT SERVICES INC . 
XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-09
Company: Collection Management Holdings, LLC
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
On XXXX XXXX, I logged into my XXXX and XXXX accounts to view my credit report online. However, I noticed that the Credit Management Company LLC was still reporting an open collection medical debt that was past due for {$930.00}. 

On XXXX XXXX at XXXX XXXX, I spoke with XXXX XXXX XXXX the manager of Credit Management Company XXXX regarding a medical bill that was placed in collections and reported to the XXXX major credit bureaus. XXXX XXXX offered me a settlement amount of {$370.00} and assured me that the collection would be removed from my credit report if I agreed to make the payment by XX/XX/XXXX. The payment was successfully processed on that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : Confirmation # XXXX CFBP Complaint ID XXXX To Whom It May Concern, The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). Equifax has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If Equifax does not comply with my demands, further legal action will be taken. See list of disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
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: Information belongs to someone else

Complaint:
This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I respectfully request an Investigation on the automobile manufacture Toyota, CEO XXXX XXXX, CEO XXXX XXXX, and CFO XXXX XXXX as I have been complaining to Toyota in reference to their possible deceit with their vehicles reported Miles Per Gallon ( mpg ) and fuel efficiency. I am stating that Toyota is possibly falsely marketing and advertising that their cars are getting a higher miles per gallon than they are actually getting, possibly conspiring to commit fraud against me, and the United States Consumers, possible Wire Fraud and Violations against the Clean Air Act, possible collusion, possible Obstruction of Justice and Importation of goods through false statements, also possible Predatory, Deceptive and Unfair Trade Practices, to include fraud, forgery, and perjury. 

In their letter to me, dated XXXX ( attached Exhibit 1 ), through the statements of the Toyota Attorneys XXXX XXXX and XXXX XXXX, they affirm that the Toyota on-board computer was reading ( XXXX mpg ), which is almost 16 miles per gallon more than what the vehicle was actually getting and the marketing of the miles per gallon in this vehicle. In this letter, they showed pictures of what the on-board computer was displaying, then copies of what the actual miles per gallon received, which was XXXX mpg ( Exhibits 2, 3 4 Gas Receipts dated XXXX ). That is almost a 16 miles per gallon difference, proving the possible felonies above. 

I sent Toyota 2 letters ( attached Exhibits 5 and 6 ) complaining about my low gas mileage that I was getting in the new Toyota XXXX XXXX XXXX  I bought from Toyota above. I have been complaining to Toyota since I first received the XXXX car in XXXX about the low miles per gallon, which I was receiving about 50 % less mpg ( about 37 mpg ) than what was told to me by the Sales Manager and General Manager from XXXX XXXX XXXX XXXX XXXX XXXX ( 65-69 mpg ). I had called the Sales Manager over 10 times requesting advice on how to get the gas mileage that he and the General Manager had promised me, along with the XXXX XXXX ( attached Exhibit 7 Window Sticker ) which was the only reason why I bought the car. The XXXX Label was at least 10 miles per gallon higher than the actual miles per gallon received. This in itself may be predatory trade practices. I took my Toyota to the XXXX XXXX XXXX XXXX dealership on 3 occasions speaking with the service manager XXXX XXXX for the service department to check the electric motor and batteries to determine if there was a problem. At each inspection, the result was the same : The vehicle is in perfect working condition as it was meant to work and operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer reports to privacy and confidentiality under 15 USC 1681. 

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 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.

18 U.S.C. 894- ( b ) ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

Experian claimed this is accurate for many months especially I circled in the attached file. How it can be accuracy when I knew it is not accurate so obviously they take creditor 's words over me like my life being in control in the wrong hands.

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 2023-11-29
Company: EQUIFAX, 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 XXXX XXXX starting reporting a collection account on XX/XX/XXXX showing a balance due of {$58.00} from XXXX XXXX. This balance was never disclosed to me and it was supposedly for an account that was closed approx 10 years ago. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default.This account was too old to be reporting on my account to begin with. I have the right to have outdated information removed. 

I have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. XXXX XXXX never provided any form of debt validation. I have the right to accurate reporting. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

In XX/XX/XXXX, I was in the process of obtaining a loan and this one small collection was hindering my ability to obtain the loan. The lender wanted the collection paid. Even though I didn't agree that this debt was mine, I paid the {$58.00}. 

This collection account in still reporting to Equifax and XXXX credit bureaus. XXXX has removed the collection from my report due to inaccurate information. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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. 

Fair Credit Reporting Act states that any inaccurate information that is being reporting must be removed completely and may result in fines of up to {$1000.00} per violation, as well as punitive damages. XXXX XXXX has shown negligence in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising those rights to ensure the accuracy of my credit information. I kindly request the prompt removal of the inaccurate late payment information from my credit report, as it is adversely affecting my credit score and overall financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to get a fraud alert -- that had been placed on my credit file by   XXXX   4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 wee ks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my  XXXX  credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact   XXXX   to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit report  ( not make any edits/remove fraud alert ). I called 3  other   XXXX   phone numbers -- all went to automated systems with no option to speak with an   XXXX    representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for  XXXX . I would like to get this  XXXX  fraud alert removed so that  XXXX   XXXX  can process my credit card application.

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