BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Failed to provide itemized medical billing statements. Did not allow me to verify and dispute charges. I received a large bill from a Doctor who I never saw and who cancelled my appointment yet billed me anyway.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have never been late on my mortgage payment.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-05-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Toyota Financial Services and its representatives at XXXX XXXX in XXXX, AZ refuse to sell GAP products to military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello i have an account from XXXX XXXX XXXX but i dont know who that is or i have never used that bank account.

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 2022-02-24
Company: Experian Information Solutions 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:
This is already my XXXX time submitting this complaint. I have told you already, I was never late on the accounts mentioned below. These accounts were violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with XXXX XXXX XXXXXXXX & are willful noncomplying which is a violation of sections XXXX & XXXX need them to correct their records or be held accountable for their actions. The information is creating great XXXX  & XXXX XXXX and creating me XXXX nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
On XX/XX/2023, I checked my credit report and noticed fraudulent inquiries reporting on my credit report. I have contacted XXXX and Transunion multiple times to get these inquiries removed and nothing was done. 

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-11
Company: Action Professionals, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
II have XXXX different account with Marcus XXXX saving and XXXX CDs. 
I have been trying to get my accounts closed and my transferred back to me since XXXX XXXX XXXX XXXX I was told, the account is closed but the closing process will take about 5 to 7 days and I should have my money back by XX/XX/XXXX XXXX 
I called back in XXXX, I was told, the account actually did not close in XXXX, it was closed XXXX XXXX and it will take 30 days for the process and for me to get my money back. 
I called back Monday XX/XX/XXXX, I was told account was still not closed. I once again initiated the close request wend through the verification process etc. I was told, I will have my Money by next day, since we completed the process prior to XXXX XXXX 
I called back on Tuesday XXXX XXXX  : I was told account is still not closed as they needed some verification from my other bank ( i stayed on a XXXX way call with Marcus and my bank till all information was verified ). Then Marcus said, they had everything now and I should have my money in XXXX to XXXX business days. Friday XX/XX/ : still no money : I called back and now I am being told that they dont have any timeline for the closeout process and once they have completed their process I will get my money. They can not say how long it will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: IL
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:
Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-01
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This should be posted as a criminal complaint Mailed ally a check on XX/XX/2022 in the amount of {$690.00}, and they swept it under the rug. On XX/XX/2022 our bank statements/ records show a withdrawal from ally ally payment in the amount of {$690.00} withdrawn from my account. I called ally numerous times, sent a few written letters requesting them to correct their defect and fix the mess they created, they knowingly and falsely reported me to the credit bureaus, with late charges to date, they deny that they withdraw that payment please note with the XXXX they have thousands of complaints of the same nature and lawsuits for criminal practices, THANK You FOR YOUR HELP Please note I had to take drastic action to protect myself and my family from ally again 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 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-02
Company: U.S. BANCORP
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several weeks ago, I contacted Elan Financial Services, which services my XXXX Credit Card. I checked my balance with the account, and they confirmed my balance is {$1100.00}. However, XXXX XXXX and XXXX show my balance as {$7100.00}. 
I disputed this with the credit bureaus, and XXXX came back with this result : RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 
This inaccurate balance on my credit report is impacting my credit score keeping it in the 670 area.

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 2023-03-14
Company: CL Holdings LLC
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account on my credit report that recently appeared from I.C. System for an account with XXXX. I.C. System did not send me any documentation before they reported this account to the credit bureaus. I never received the notice stating my right to request validation of this debt.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because i am a victim of identity theft. Please delete these items immediately XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX Selfinc/Lead account # XXXX XXXX  XXXX account # XXXX These accounts should not be furnished on my consumer report as they are in violation under, 15 U.s Code 1681b- Permissible purposes of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written instructions to report anything on my consumer report which violates my rights. No Consent is identity theft. As a consumer i am demanding the deletion of the accounts listed immediately

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 2018-02-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please see the two attached inspections, one from XX/XX/XXXX and the second one from XX/XX/XXXX. 

Regarding the inspection fromXX/XX/XXXX : 1 ) My contractor watched me sign the original report, which stated 90 % ... ... I never signed a report that stated I was at 60 % nor would because I would not have been in agreement with XXXX report was changed to 60 % AFTER I signed the report at 90 % .... ( ILLEGAL )!!! 

2 ) Please see the report fromXX/XX/XXXX, which stated we were at 75 %, it also stated that windows need to be installed, siding needed to be applied to the house, insulation and sheet rock needed to be done. 

3 ) Since theXX/XX/XXXX report at 75 % - The following items have been completed : Hurricane Windows Installed, Siding Installed and Painted, Insulation Installed, Sheet Rock ( tape and skim coat ) Installed All of the items listed completed and have also passed inspection with the City of XXXX XXXX XXXX. 

4 ) Also please note that in the report fromXX/XX/XXXX states office, porch and deck. There has never been an office or a back porch on that house since the day I purchased the house. The deck was a 4 wide 10 deck that was actually a step up to the back door of the houseinsurance did not pay for this deck because it was an outside feature that was not a part of the claim.. The deck was termite infested so I had it removed and there will not be a Deck added back, just steps up to the back door. Whomever gave the inspection company the information regarding office, porch and deck gave wrong information, which wrongly affected the percentages of the XXXX report..unfortunately the report was written based on that incorrect information. 

5 ) The XX/XX/XXXX report was correct at the time regarding the 75 % and we have now completed many of the items that were listed on the XX/XX/XXXXreport, so we are certainly between 87 % and 90 %, that would be more accurate.

Please review all that I have written carefully..the XX/XX/XXXXreport was erroneous and also fraudulent regarding my signature, which that alone give way for a lawsuit from me the homeowner. I am 100 % disputing theXX/XX/XXXX report based on wrong information going in and the fraud that was committed with my signature by the inspection company. Please note that I am documenting all including but not limited to this email regarding evidence for a lawsuit for I have been displaced for three ( 3 ) years as of today..the fire was XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-10
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX  office, where they would read me the tests sent by the dr , the dr indicated XXXX XXXX  and they told me that insurance did not cover it, I asked how much I should pay and they told me {$350.00}, I said ok I'll pay it, and I paid it, They put me on XXXX XXXX a few months later I get a bill that owed {$40.00}, I called XXXX times and they didn't give me an answer, they would call me later and nothing and now I get a letter from a debit collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
For the past XXXX  years I have been paying for a " Credit life insurance fee '' plan on my best buy credit card without knowing. The charge shows up as XXXX on my statement. The amount charged each month also varies from month to month, sometimes its XXXX XXXX, other times its {$20.00}, XXXX, XXXX etc.They say I clicked a box when I applied for the best buy credit card that enrolled me. I don't recall signing up for any service. I was in the Best Buy store when I applied for their credit card, and just filled out my info and signed my name in person, I don't recall clicking any box for services nor have I done any such thing before for any of my other credit cards.

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 2018-12-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to dispute ComminWealth Finance over and over again. XXXX   have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.

Company response to consumer: Closed with explanation