BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2019-10-16
Company: CITIBANK, N.A.
State: IN
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:
Open account at the beginning of the year. Called and asked for a statement. I was told I the information was online. Requested a statement to be mailed. When I went online Citibank would not let me see my charges because I was " late ''. I made a minimum payment so I could see charges. I brought current my balance. I was then told it could take 3 to 4 days for the payment to clear and then I could see my statements. The problem is after 3 days I would be late again. I contacted the executive office because I could not  believe that they expected a {$3000.00} payment without ever showing me a statement. The exec. office called me once and asked if I was able to get the information online and I told her no. I never heard back from her. I was told she sent a letter, which I never received, addressing a problem that was not consistent with my complaint and not being able to see a statement. After a few months I contacted the exec. office to try to resolve the problem. On XXXX XXXX I spoke to XXXX who said she would email me the statements no later than XX/XX/XXXX. I requested and she agreed that she would call me to confirm that she had emailed the statements. I have not heard from her even though I have left a message asking her to call me back. I am now 90 days late and this is going against my credit which I try to keep perfect. I was told it is the company policy to block the online account when someone is late on a payment. I normally pay my account in full every month. I think it is unrealistic to ask me to make a payment for {$3000.00}, which now they say approx. {$2000.00} without seeing the charges. The outstanding balance has changed from the amount they first requested. Also, I am told I will not be able to dispute any of the charges because it is now beyond the timeframe. Please help me get statements for the charges, clear up my credit and have waived all late fees and interest. Thank you.

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: EQUIFAX, INC.
State: AL
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:
There is an account that Equifax has Has violated my rights by law By not removing after the proof was given and it has been disputed 3 times with them and also coming CFPB for the 2nd time now. XXXX and XXXX have both deleted this immediately. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted in XXXX of 2022 like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB and Equifax, So I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed and weve been patiently waiting for over 7 months now!!! Have a blessed week!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: National Credit Adjusters, LLC
State: PA
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 XXXXXXXX XXXX # 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 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NJ
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 title 15 U.S.C. 1681 : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION : # XXXXXXXX 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 HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2021-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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: Problem with personal statement of dispute

Complaint:
previously distributed capital one account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for XXXX bye experian while XXXX XXXX report dispute result reported by grantor, I strongly disagree with investigation results. Capital one continues to report factually incorrectly. previously account reported payment history with OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with XXXX and XX/XX/XXXX with XXXX and XXXX. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-10-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX reported to agencies that I was late on my payment when I was disputing the amount due. 
The car was purchased in MA and I paid sales taxes there. 
Thereafter the vehicle was moved to Texas where apparently XXXX XXXX XXXX XXXX paid again those taxes and passed to my account I disputed those extra charges since you only pay on one place.

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 2023-02-23
Company: EQUIFAX, INC.
State: MD
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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ID
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid off our lease, and our leasing company Toyota Financial Services failed to transfer the title for our vehicle to us. It has resulted in me and my husband getting stuck in a bureaucratic nightmare, compounded by the fact that we have now moved out of state. 

We were customers of Toyota Financial Services when we lived in XXXX   XXXX, we leased a XXXX XXXX Hylander. XXXX # : XXXX. We were good customers, and we satisfied all of our lease obligation / payments, and paid it off, then we opted to purchase our vehicle at the end of the lease. We have received this letter noting that the lien was satisfied by Toyota Financial Services but after calling multiple times they refused to take any further action to transfer the actual title to us. We never received a copy of the title sent to us when we made our final payment. 

Now, we've moved to XXXX and realized that we need a copy of our title to register our vehicle. The issue, is that Toyota Financial Services never transferred the title to us in XXXX state. The company failed to file a statement of lien satisfaction or notice of recorded Lien ( Form MV-901 ) with the state. We also need an application for Duplicate Certificate of Title ( MV-902 ) sent to the commission of motor vehicles. Please see the attached denial letter for a duplicate title from the XXXX Department of motor vehicles dated XX/XX/XXXX stating that the title was issued to our leasing company and that it was not properly transferred to us. 

I have spent over 5 hours on the phone with Toyota Financial Services and in turn with the XXXX Dept. of Motor vehicles, writing, calling, and emailing both of them to get this resolved. 

Simply put, we paid off our car, we own the car, period. I am so exasperated at how we have been treated as customers in what should be a routine process, I am at my wits end. 

Attached evidence : ( 1 ) Notarized satisfaction of lien release from Toyota Financial Services, ( 2 ) Denial letter from the Title Services Unit of the XXXX State Department of Motor Vehicles, ( 3 ) expenses we have incurred attempting to resolve the issue. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: CO
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:
Experian, and XXXX reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

Experian changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX XXXX left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated 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 2023-08-19
Company: EQUIFAX, 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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that this account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received correspondence from Wells Fargo in regards to a complaint that I filed and much of the information Wells Fargo mentioned was and is inaccurate. For Example : wells Fargo stated that my loan was not in Foreclosure when they received the loan. However, I have a letter from ASC stating that the loan was in foreclosure. Secondly, Wells Fargo has yet to address the claims mentioned by the XXXX XXXX XXXX   which stated that my loan was intentionally denied a modification from XXXX XX/XX/XXXX because of intentional computer glitch which created and/or created inaccurate NPV calculations which denied me an modification. Wells Fargo attached hundreds of thousands of Dollars to the arrears once they did offer a modification in XX/XX/XXXX. Also, upon not completing modification I applied for a tier 2 modification and I was informed by ASC that I did not qualify in XXXX. However, that was inaccurate according to XXXX XXXX /HAMP because I provided evidence that I converted my home to a 2 family which increased the Hamp guidelines from {$720000.00} to {$920000.00}. I also provided rental income to substantiate a tier 2 modification. It is blatant discrimination according to the Justice Department, XXXX XXXX and XXXX XXXX XXXX. I was informed by Congresswoman XXXX and Congresswoman XXXX that if I foreclose and the property is sold my case will be discussed dealt with because of the 10 plus years of neglect and abuse. It's unheard of .... I am asking Wells Fargo to offer me a modification. In conclusion MERS does not have legal claim because Wells Fargo does not Possess the ACTUAL ORIGINAL NOTE OR SETTLEMENT DOCUMENTS BECAUSE XXXX DESTROYED ALL RECORDS. THEY FORWARDED ME THE LETTER STATING THAT THEY DO NOT HAVE ORIGINAL DOCUMENTS. I FOUND THE LETTER THIS WEEK AND WILL FORWARD THE LETTER TO THE JUSTICE DEPARTMENT AND LOCAL CONGRESSWOMAN. THE SETTLEMENT DOCUMENTS ARE DIFFERENT THAN THE ORIGINAL NOTE AND DOCUMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MS
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$340.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase Card is applying my payments to the portion of the balance where interest fees are not being charged yet. The portion with a promotional balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been a victim of identity theft. Someone used my identity to open fraudulent credit card accounts. I need help removing " Portfolio Recovery '' off my credit report. I have no knowledge of this account

Company response to consumer: Closed with non-monetary relief