BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I have an auto loan from TOYOTA MOTOR CREDIT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: OH
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:
Diversified adj svc XXXX XXXX XXXX XXXX XXXX, MN XXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX opened XX/XX/XXXX Contains incorrect Information address and is not my account XXXX XXXX XXXX also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: IN
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:
Last year when I checked my credit, I found that Chase Bank has been making hard inquiries against my credit every year between XXXX and XXXX. I asked them to stop and was directed to a phone number. I thought the situation was resolved, though they never made any effort to remove any of the hard inquiries that negatively affect my credit and will continue to do so for another year or two.

I am checking my credit again, and have found that they made another hard inquiry. Chase now takes up 1/3rd of all hard inquiries on my credit and I have NEVER done business with them. I've started the process of asking them what is happening yet again, but at this point I don't have faith in their willingness to actually do something about it. 

I need the hard inquiries removed from my credit reports and I need them to stop running inquiries against my credit unless I physically sign something with them or otherwise give my consent. My only assumption is that they obtained my information when a car dealership ran my information several years ago and had multiple institutions try to get me a loan in one go. At no point did I consent for anyone to retain that data or to make yearly checks against it for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Verisk Analytics 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: Their investigation did not fix an error on your report

Complaint:
I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to XXXX and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on XXXX 's website and came across XXXX and LCI is the vendor for public records in which XXXX records. Problem is, if XXXX did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On LCI 's website it states " XXXX, not LCI, matches bankruptcy information to the XXXX consumer credit files. '' Im trying to understand why XXXX would tell me that the court house hired the third party? How can XXXX trust this information if LCI hasn't verified this Information before selling it to XXXX? I want to make XXXX aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that XXXX should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EQUIFAX- I have unsuccessfully attempted to fix this matter via phone and USPS. My latest attempt was to speak to a manager in the U.S. as I could not understand the foreign voice on the telephone. She REFUSED to transfer and insisted that I speak to her about my problem. 

As of XX/XX/2023, Equifax show no information about me ( personally ) or any credit information relating to me on-line. Three dealerships have attempted to access my report for consideration of purchasing a new vehicle, but denied me because they too could not access any credit information from Equifax. This morning I double-checked ( XX/XX/2023 ) and the problem still persists. Why has my complete file disappeared from their on-line records? I have no issues with XXXX or XXXX XXXX 

I sent correspondence via a USPS flat envelope which was received XX/XX/2023 @ XXXX. I enclosed, as I was instructed, a written request in letter form, a copy of my driver 's license, Social Card, and I also send 2 forms of Proof of Address. The USPS tracking number is XXXX. I demand they check their records and tend to this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX18 I checked my credit score with Equifax, as I noticed that this service was the only one that listed a delinquent item in my overall score. I tried for about 45 minutes to take care of the problem online, with no success. There website did not function as purported to. Totally dysfunctional website. Finally gave up and tried to find out how to complain and to whom. Found this website, talked to an agent and got directed to this complaint system. 

The issue involved a mistake made by a kid behind the counter of a XXXX XXXX XXXX XXXX in XXXX, Wa. XXXX XXXX XXXX. It occurred about 3 or 4 years ago. I discovered that this XXXX XXXX XXXX was taking money out of my account to pay for a loan account that I had a credit card for. When I discovered they were deducted money from that account I decided to close the account. I specifically told the kid to cancel my account, which I discovered during the data breach where everybody 's personal information was hijacked. I then took care of it, I thought. Apparently, Equifax didn't get the message. They continue to show a delinquency that affects my credit score. I actually went into the credit union 's branch in XXXX, Wa. and told them of the problem and they retracted the delinquency notice. I don't know why Equifax ignored the results of that retraction when the other 2 agencies abided by retraction. I tried to communicate with that operation but was unsuccessful due to their website being so dysfunctional. I need help getting the message to this " company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: IN
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:
After carefully reviewing my EQUIFAX credit file I noticed a debt from XXXX XXXX open XX/XX/2017 with a balance of {$400.00}. I am not for sure who the company is or where the debt has come from, however debt is a result from my identity theft, as I am and identity theft victim. I have never had an account with that company or any services. I have submitted numerous letters and have reported my identity stolen in regards to this debt and have forwarded over the proper paperwork to EQUIFAX- however this credit bureau continues to leave debt on my credit file unidentified and unverified. EQUIFAX did remove this debt from off of my credit file, however upon recent review they have placed it back on there and they are fully aware this debt does not belong to me and it is a result of identity theft. I am requesting this item be remove once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Debt Recovery Solutions, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX threw a {$1400.00} collection on my credit report sometime in the last XXXX hours. Ive not been contacted by mail or phone about anything to do with this debt. I dont have any information on it, and need it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax, I received my consumer report and notice there are some Hard Inquiries that I did not authorize, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pls Remove Inquiries 15 U.S. Code 1602 - Definitions and rules of construction According to ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: GOLDMAN SACHS BANK USA
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I was seriously scammed by phone on XX/XX/XXXX with money stolen from my bank account, credit cards, XXXX, XXXX XXXX and Apple. 
They had me install any desk on my phone and were able to see into my accounts and transfer money.. 
I contacted all agencies the following day and filed a fraud report with the FTC. Closed all accounts, set up fraud alerts on all accounts enrolled in credit monitoring etc I lost money through XXXX and the XXXX XXXX but XXXX XXXX XXXX acknowledged it was fraud and returned the money sent to XXXX Other cc reversed the charges. All except Apple which the scammers had me open. They also opened one in husbands name..of course my fault. 
I thought I was working with the FBI fraud unit ( transferred through XXXX..which I thought I had clearly verified with the information they provided me regarding my account ) I gave them information I shouldnt have. 
Since the money was charged in a foreign currency I had no idea how much it was but was told these were small amounts only to see if the individual stealing my identity would accept. I told them repeatedly that I wasnt authorizing ANY money being transferred!!! 

Apple was the only cc that denied it being fraud and said the 5 charges for both my husband and myself for over {$5300.00} would stand we would have to pay. 

I spoke with and contacted the Apple specialists many times to dispute this and they gave me the name and address of the individual I had to write to have the dispute reopened. I did this with a letter and documentation and all 4 disputes were reopened. 
As a senior citizen ( XXXX ) I may be naive but I would never defraud anyone of money I had rightfully authorized. 
Then again my husband and I both received notifications from Apple that they had reviewed the information and that all the charges would stand. 

I again wrote a second letter on XX/XX/XXXX to Goldman Sachs asking them to reconsider. Im attaching both letters I sent Im obviously devastated and disappointed in Apple and Goldman Sachs. I have not heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-29
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
A credit card that I believed to be closed years ago ended up with three charges on it, in XX/XX/XXXX. The charges were XXXX  XXXX tickets and totaled {$830.00}. Because I did not know this credit card continued to exist, I did not know there were charges on the credit card until I got an email notice from another bank stated that America First Credit Union was placing negative information on my credit report. When I went to the credit union to inquire, they could not immediately identify how I owed them money. But, after running my SSN they were able to find this old credit card. It was shown that the credit union took one payment from a joint savings account to get the credit card current and then the account continued in a past due manner ( because I did not know it existed ) until it was reported to the credit reporting agencies. 

When faced with this information about an old credit card, that should have been canceled in XXXX of XXXX, I was told by AFCU that the card had a {$16000.00} limit and that the only way to cancel the card was to pay it off. I paid it off immediately and requested it be cancelled. Since XX/XX/XXXX I have been attempting to get AFCU to investigate my fraud claims, reimburse the {$900.00} I paid to close the account and request the removal of the negative late payments from all three credit reporting agencies. I was originally told that because the charges were more than 90 days from the time of purchase, they no longer had recourse with the merchant and considered the matter closed. 

It was identified that AFCU had my current, name, phone, email address and home address on file but sent the past due notices for this credit card to a home I lived at years ago, when the card was active. I haven't lived there in 3 years. So, I did not receive their notices. 

In speaking with XXXX  XXXX, it appears those traveling on the three one way tickets purchased on XXXX on XXXX, did not have my name or that of my ex-spouse. The billing address the purchaser supplied to XXXX  XXXX was not in XXXX  or XXXX, which would have been the address on file with the credit card company. They had the same last names and traveled from XXXX on XXXX, on the airline tickets that were purchased on the old credit card that should have been cancelled in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX Date opened>>>>>> XX/XX/2003

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 2023-03-29
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am victim of identity theft by someone who apparently lives in Massachusetts. Addresses are now in my credit file from Massachusetts while I actually live in XXXX, Texas. This person has opened at least 3 credit card accounts in my name and with my social security number. 
Now, two collection agencies ( Amsher Collection Services and XXXX XXXX XXXX ) are on my credit record trying to collect money not paid to XXXX XXXX. I have never had an account or purchased anything from XXXX XXXX. 
I am filing this report to make you aware of the identity theft and I have asked both XXXX and XXXX to remove these detrimental records from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
This is my follow-up filing of a complaint to my previous complaint last XX/XX/XXXX, to block or remove the items that are misleading or fraudulent in my file. 
Please Block or remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} 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 2017-10-05
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:
Multiple dispute attempts have been made to Transunion and XXXX to delete information this is not mine off my reports.

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