BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
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:
I purchased a vehicle through Toyota Motor Credit and purchased the GAP Insurance provided by Toyota Motor Credit. 

This vehicle was wrecked/totaled in XXXX XXXX XXXX and my insurance company paid over {$11000.00} which left a balance due to be paid by the GAP Insurance provided by Toyota Motor Credit. This GAP insurance company took several months to pay and the charge off was processed on XX/XX/XXXX and the GAP insurance company paid the balance on XXXX XXXX XXXX Since then, I have been penalized on my credit history with a charge-off for the delay of insurance processing by the company who I purchased the GAP insurance from. I am currently working to get a mortgage and this charge off/paid status is affecting my credit report and credit score. 

This charge-off needs to be removed from my credit report as I am being punished for something I didnt control. 

I appreciate your help in getting this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2022-09-09
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 extortionXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, BERLIN WHEELER INC XXXX Date opened XX/XX/2021 Balance : {$190.00}

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 2021-02-19
Company: U.S. BANCORP
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and US Bank and XXXX XXXX. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2019-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a public record showing on my Equifax and XXXX credit reports. The public record belongs to someone with a very similar name and address, but it's not my address and it is not my public record. 

I have disputed with both agencies on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has come back as verified through XXXX. I have opted out of XXXX, but this information is incorrect. I looked up the public record using the information from my credit report and I understand the confusion because the details are very similar to me, but it is not me. 

This has caused me significant stress as I have been declined credit and offered higher interest rates because of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX  XXXX XXXX   acount ending in XXXX 2.XXXX  XXXX Credit card Thats all the info I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023 I made a payment online to Selective Portfolio Servicing ( SPS ) of {$1600.00}.

During the payment processing I checked the box that assigned that payment to the " Accumulated Fees '' balance rather than " Regular Payment ''. That balance at that time was {$1600.00} so the payment was deliberately and specifically made to payoff that Accumulated Fee balance in order to apply for refinancing with another lender. 

By selecting the payment be applied to fees should have had the same effect as writing " For Accumulated Fees Only '' in the memo of a check, which is analogous to the XXXX Draft payment I was authorizing. 

Following their internal " policy '', SPS did not apply the payment as instructed but to a regular payment instead, now leaving me with having to pay those accumulated fees a XXXX time in order to move forward with the refinancing. 

Attached are a PDF receipt for the original payment to SPS, and a screenshot showing their XXXX XXXX and how one selects where the payment is applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

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 2018-11-28
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance not billed at time of service - failed to bill insurance, although it has been provided - did not complete paperwork with insurance provider to cover services, although they would have been fully covered with a {$0.00} copay - being billed {$200.00} for office visit that should have been covered - insurance provider has written to doctor 's office saying the debt is not owed

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

Complaint:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 
I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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 to the Fair Credit Reporting XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 : also states that a consumer reporting agency can not furnish an account without written instruction

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 2019-09-07
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:
THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.

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 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.

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 2023-03-06
Company: EQUIFAX, INC.
State: KY
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The XXXX credit bureaus must verify this account : XXXX XXXX XXXX XXXX : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im writing you guys in regard of accounts being reported to my credit report that arent mines. I have sent in identity theft report to all 3 of the major bureaus and also wrote a letter to them explain my situation and asking them to removed the accounts or block them. I have been successful with removing accounts but theyre a few that hasnt been removed from two of the credit bureaus ( XXXX  & XXXX ) The name of these accounts are NCB MANAGEMENT SERVICE, CXXXX XXXX, XXXX XXXX XXXX I have been dispute these accounts since XX/XX/2020. These accounts have been removed from my XXXX  credit report. Also NCB MANAGEMENT SERVICE , & XXXX XXXX XXXX has been removed from XXXX. Also I have shown XXXX  & XXXX  the proof of these accounts being removed from XXXX. I have done my part and I need something to be done immediately. I have This is stopping me from closing on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield, hired by XXXX XXXX XXXX has been harassing me via phone and has sent me a letter in regards to a pending litigation. I received a letter threatening me in regards to collecting a debt that has a pending litigation. The letter is dated XX/XX/2019. The hiring is XX/XX/2019. There is no debt and this is illegal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: VA
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 received a copy of my payment history with XXXX XXXX but they only reported the account to XXXX and not all three bureaus but the information reported is inaccurate, the information shows that the account is still open and its not and i have documents to prove that its closed already and paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Bread Financial Holdings, Inc.
State: IL
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:
On XX/XX/2023 at XXXX XXXX, I received an alert from XXXX XXXX of which I am a member, that a fraudulent account was opened in my name through Comenity Capital Bank for an XXXX XXXX XXXX Upon seeing the alert, I immediately informed XXXX that this account was not opened by me. 
About two weeks prior on XX/XX/XXXX, the first fraudulent account was opened in my name through the same bank, Comenity Capital, for a XXXX XXXX credit card. It was shut down by Comenity and XXXX the next day before any purchases were made. But it seems the same person is trying to open more accounts in my name through this same bank. 
On Friday, XX/XX/XXXX, after not hearing anything from XXXX yet, I called Comenity Capital Bank directly to inform them of the second fraud and ask them to cancel the account immediately. They proceeded to closed the account as directed and I put a freeze on my credit immediately afterwards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon trying to get XXXX XXXX  cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over XXXX XXXXXXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Genesis FS Card Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They said it was fixed and they would issues a new card with the correct amount and it never happened. I called and they informed me it was in collection they took one off the got it reporting two of the same cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been in dispute with Equifax about a bankruptcy that they are reporting on my credit file. The information they are reporting is incomplete and inaccurate. I have sent letters asking for them to verify the bankruptcy which they would refuse to do. They have responded with letters stating that the account has been verified through their vendor. The last letter I wrote them, I asked Equifax to provide me with a method of verification and also to advise them that they were still reporting incomplete and inaccurate info.They responded with an update to my bankruptcy by adding a verified date The date of verification was never complete until XX/XX/XXXX. At that time, it was dated XX/XX/XXXX as being the date of verification. I have been going back and forth about this matter for months and was notified in XX/XX/XXXX that it had been verified then. Well I received a notification from XXXX XXXX XX/XX/XXXX that a bankruptcy had been removed and then added again. This will make the second time, XX/XX/XXXX, that they removed and added the same bankruptcy to my account. At this point, my score is being severely affected. Equifax intentionally withholds positve updates and reports the negative more. I just wanted them to do a thorough investigation and based the reports off of it. Instead I am getting a computer generated response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On multiple ocasions my XXXX and I have contact the XXXX XXXX XXXX XXXX  about the on going issue were we purchased an item and return it yet we have not recieved a credit. We are looking for resolve and hoping someone can help us in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent several letter communications and I have received no results and no actions have been taken to fix my report. None what so ever on all credit bureaus. XXXX XXXX XXXX and Experian

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