BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: CA
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: NV
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX, XXXX  and Transunion have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.

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 2019-07-10
Company: The Outsource Group, 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: Account information incorrect

Complaint:
On or about XX/XX/2019 XXXX and XXXXx reported a Medicredit , Inc. collection account against my file. After numerous failed attempts to discuss the matter with Medicredit I disputed the account with Medicredit by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the Medicredit account with XXXX and XXXX on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX. File No. XXXX # XXXX XXXX. 

On XX/XX/2019 Medicredit responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX and XXXX to remove the account from my credit file and that they are no longer handling the account. A copy of Medicredit 's CFPB response is attached. 

On XX/XX/2019 the Medicredit debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that Medicredit directed the account be removed from my file as well as faxing to XXXX a copy of Medicredit 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 
As Medicredit has directed the credit reporting agencies to remove the Medicredit account from credit file and the agencies refusing to comply, XXXX and XXXX are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in 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 2023-09-27
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called customer service many times to request a new debit card and all the calls the answer was " go to a branch '', something is not possible because where I am now there is no branches near, even there is no branch on this state. 
Also I tried to request the new debit card trough the online banking without success...

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 2019-02-10
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXXXXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting an account on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and XXXX XXXX XXXX  XXXX has NOT removed this account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

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 2022-12-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen XXXX unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and XXXX ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with SYNCB/PAYPAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with SYNCB/PAYPAL for reviewing of any sort.

SYNCB/PAYPAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. XXXX ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent XXXX ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or XXXX ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.

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 2023-01-08
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:
This does not XXXX after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : XXXX  a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the XXXX  removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off

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 2022-12-09
Company: Amsher Collection Services, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I discovered a fraudulent debt collection report filed by AmSher Collection Service of XXXX, XXXX. The debt claim was for a cable television account listed under XXXX XXXX at an address in XXXXXXXX XXXX that did not belong to me. The debt was assigned on XX/XX/XXXX in the amount of {$490.00}. 

I checked with XXXX and discovered that my personal information had been compromised during XXXXXXXX XXXX XXXX XXXX 

The problem I have with AmSher Collection Services is that I was never notified of the debt prior to them " parking '' that information on my credit reports with the XXXX major credit reporting companies. Amsher never contacted me by phone or in writing. I was denied the opportunity to dispute the debt and prove that it was not mine. 

I have lived in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have no connection to the address listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If AmScher Collection Services would have contacted me, as required by law, I could have disputed their claim and proved that the debt was not mine. 

I sent AmScher a debt validation letter via certified mail on XX/XX/XXXX requesting proof that the debt was mine. I also notified AmSher that they had illegally parked the false debt claim on my credit report without proper notification. Their written response was a standard form letter that did not address my concerns. 

XXXX, I received XXXX letter fro AmSher stating that if I believed I was a victim of identity theft, I could file an affidavit with XXXX XXXX disputing the debt. At the bottom of the letter was the following statement : This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

This inadequate attempt to correct their egregious error is too little, too late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Dear Consumer Finance Protection Bureau, I turned in a leased XXXX XXXX to XXXX XXXXXXXX a dealership in XXXX XXXX California and assigned the lease to XXXX  XXXX on XXXX. I was told the old lease would be closed by XXXX. 

Toyota Financial Services debited my checking account on XXXX for {$510.00} for the lease I had signed over to XXXX XXXX. 

I was told on XXXX that Toyota Financial received a check from XXXX XXXX in the amount remaining on the lease, which would allow Toyota Financial to close out the lease. Unfortunately I have no evidence that the check was issued or received. Today it is XXXX and the lease is still open on my customer account dashboard with Toyota Financial Services, which told me that the paperwork has either not yet been received or nor been processed. 

Today XXXX, my customer account dashboard with Toyota Financial Services shows me as past dueon my old XXXX lease, notwithstanding that I was debited for my XXXX payment on XXXX. I fear that the false information posted by Toyota Financial will affect my credit rating. I feel like I have been treated like a ping pong ball between the XXXX XXXX XXXX and Toyota Financial having contacted the former at least 10 times and the latter at least 4 times by phone and opened 4 support requests. Please help me get an adequate response from Toyota Financial Services. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Attention all! Never ever buy a product fromXXXX XXXX  I repeat never ever buy an XXXX appliance EVER from them or through The Home Depot I bought a $ XXXX XXXX refrigerator in XX/XX/XXXX brand new through The Home Depot wasnt received until XX/XX/XXXX Stopped working all together XX/XX/XXXX literally unusable not cooling or freezing. XXXX wont fix it, replace it or respond. Says part ordered for over a month. XXXX Contractor was super nice and helpful but said hands are tied and has to be replaced and with the office.. Multiple calls and emails and no one responds and Home Depot says not their problem since its been purchased under a year and falls under manufactur warranty and I bought the extended warranty and purchased on my Home Depot credit card. I am now over a month without a working applicance and no support from XXXX XXXX or XXXX stay far away!!! I had them remove my old appliance when they delivered my new one so now I am without appliance! does anyone have a connection at either place that can help me actually get my appliance replaced or my money refunded so I can buy a new one?

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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.

I Do not recognize these 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 2018-09-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
A dispute to stop a payment for {$1100.00} was started by me on XX/XX/2018, when a dry cleaner 's accidentally charged me twice. The service was for {$130.00}, but an additional payment of {$1100.00} was requested by mistake, and I contacted Citibank to remedy this. The bank acknowledged the dispute, and credited back the {$1100.00} into my account a few days later. 

Then, a month later, on XX/XX/XXXX, I received a charge of {$1000.00} from Citibank along with a letter stating that " The proof of alternate payment you provided was less than the amount in question '', and when I called them again regarding the letter and the charge, their representative provided no reasons for why the dispute results were reversed, and simply said that they will send another dispute to " fix '' the {$1000.00} charge. No explanations regarding " the lack of alternate payment 's proof '' was given when I asked how there was no proof when the 2 charges in question were clearly recorded in my bank account that they are in charge of. 

Today, a month after my second call in XX/XX/XXXX, I received no updates, no correspondences, and the {$1000.00} charge from Citibank is still present in my account. When I called their dispute center again on XX/XX/XXXX, I was told to wait another 6-9 business days until another update comes through : the exact same thing I heard back in XX/XX/XXXX. 

Based on my experiences and answers that I received from Citibank, the bank has made no attempt to contact the merchant to verify the original mistake, reversed a clear-cut dispute and charged me a {$1000.00} with no explanation, and has made no progress in remedying the situation in almost a month 's 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 non-monetary relief