BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: Experian Information Solutions Inc.
State: AZ
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 XX/XX/2019, I sent proof by certified mail to XXXX  to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. XXXX filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked 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 explanation
Consumer complaint received 2020-11-05
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: SYNCHRONY FINANCIAL
State: NY
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:
I applied for credit on XXXX through synchrony bank. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from XXXX XXXX is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



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 2020-07-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.

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 2021-06-08
Company: Experian Information Solutions 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:
I reached out to XXXX XXXX and Experian about the validity of accounts on my credit report on XX/XX/XXXX ( 30 days ago ). I have not received a response from them. 

XXXX XXXX and Experian are not complying wither their own policies in a timely manner.

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 2018-08-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have disputed Toyota financial off of my credit report multiple times and they still have not taken it off. It has almost been on my credit for seven years and the amount due is not correct. I have spoken with the IRS and toyota filed a XXXX for in the amount of {$3000.00} back in XXXX which is a cancellation of debt which by law means the debt is forgiven. i wa=ant this removed, it is affecting my ability to buy another house, or get a car in my name. I spoke with XXXX ID # SIXW over at toyota who claims there was no form filed with the IRS, but when i speak to them they said it was filed back in XX/XX/XXXX and are mailing me proof of this XXXX form as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I 've been dealing with the Home Preservation Department of Wells Fargo to resolve my late mortgage. I have received multiple calls per day and this morning I was called at XXXX from Wells Fargo .

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 2023-06-07
Company: EQUIFAX, INC.
State: TN
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 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NY
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:
, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be XXXX and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving XXXX  any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at XXXX  where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization XXXX  has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that XXXX  will be in violation of below.

15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 fourth attempts 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. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Nationwide Recovery Systems, Ltd
State: TN
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 XXXX keeps adding accounts that have been disputed and removed with all credit bureaus. Account amounts are not true nor accurate I was never contacted by originally debtor due to address change. I called and spoke with a rep who Did not properly ask security question to verify the call. The rep stated several accounts that had been removed by all three bureaus. I requested that the company send me these accounts that were showing active that werent disputed and removed. I made this call in XXXX and have not received this request sent validation. 

Amounts XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$11000.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Phone call made on XXXX to close Business checking account. After being told that my account would go into a closing procedures I was told all transactions would be stopped or put on hold, and that a check would be cut for the remaining balance of {$1700.00} by mail to my personal address. 

A charge of XXXX for {$870.00} went through my account, and I did n't know until I got my statement and I was still waiting for a check in the mail. At this point I was confused and called the XXXX, and filed a claim dispute as the agreement between this company and I were done with our contract. I reached out to this company and XXXX to no avail for a solution. 

In the end I waited a week to call XXXX back to see the process of my claim, and they claim that I was suppose to be responsible and notify them within XXXX hours of charge. I was not expecting anything to be put through if I was told my account was on hold. In fact I expected them to just send me the remaining balance and assume it would be here instead of getting a statement notifying me that I was charged for an unauthorized charge I did not give consent. 

Now what if someone went on vacation and charged {$13000.00} to an account and I did n't get back until XXXX days later, would I be out of that money. That 's not the way to do things and for XXXX policy to be within XXXX hours is absurd. The XXXX at the XXXX NY XXXX XXXX branch had stated the same thing. And how come a personal checking account is givin a grace period of XXXX days and the business account is not. I will not settle for XXXX being a corporate XXXX, and will not do any of my personal banking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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 am a victim of identity theft. My information was used to open numerous accounts that went delinquent. I am currently in the process of trying to get these accounts removed. my personal information ( social security card and ID ) stolen in XXXX and was also a victim of Equifax security breach. I have disputed accounts with Equifax numerous times and they will not remove or send proof of validation to me. Equifax is currently reporting inaccurate information and I need a resolution. I have asked them continuously to send proof of validation bearing my signature. Below are accounts in dispute : XXXX XXXX {$440.00} XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$910.00} XXXX {$830.00} XXXX XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Access to my online banking at PNC was revoked without notice on XX/XX/XXXX. I have no way of seeing activity since I am paperless. Apparently it is revoked for up to 30 days. 

My social security checks were deposited to my account on XX/XX/XXXX. I was advised by branch personnel that the amounts were blocked and could not be withdrawn. It is over {$4000.00}. My account was in credit. I live off social security. 

No phone calls from the bank. No answers to any calls including from branch personnel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXXXXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this 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 2018-08-07
Company: EQUIFAX, INC.
State: LA
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:
Equifax is violating the FCRA by not blocking and removing fraudulent accounts!!! I have sent in police reports and ID THEFT affidavits and troves of other supporting documents clearly showing this to be the result of ID THEFT, All I keep getting told it that they are begin verified as belonging to me!!! How can this be when the other agencies have removed these fraud accounts with the supporting documents? Equifax needs to follow the law and remove the following!!! 
1.XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} 2.XXXX Account # XXXX Date Opened XX/XX/XXXX 3.XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Equifax has also ignored a XXXX complaint that I filed against them by saying that my info does not match even though I sent them the required documents verifying my ID>

Company response to consumer: Closed with explanation