BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: Experian Information Solutions 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:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Remove from my credit report XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 10 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 non-monetary relief
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: FL
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:
Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX XXXX. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$370.00} } to XXXX and ( {$640.00} ) for XXXX on my credit report. I have contacted XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was a victim of debit card fraud. Person or persons made 2 purchases in Virginia. I am in South Carolina I care for my elderly mother who requires 24 hr care. I have the only card issued in my possession. The fact of the matter is someone stole my account info,3 digit security code and also pin # no one has that info except me, I did not give anyone permission to use this card. I disputed theses charges. Filed police reports called both stores and had them send me copies of receipts. I forwarded all info to Direct Express, via written error report email as well as fax. This companies failure to comply to EFTA and FDIC law is concerning and alarming. I demanded a copy of Investigation which I am entitled to under the law.Comerica and there subcontractor XXXX  which handles Direct Express debit card complaints use stall tactics such as long wait times to reach an operator to report fraud. Hang ups not able to reach dispute or fraud department which does not offer customers a fax # dangerous laps in sending out fraud paperwork ie their mail room controls the clock. Paperwork must be mailed back in 10 days. No evidence of any fraud investigation. Managements failure to return calls. So you see there are serious issues. It is not my responsibility to investigate fraud it is up to the financial institution. I have done said Investigation have receipts, filed police reports followed up with XXXX XXXX XXXX XXXX. Pushed subpoenas to view video of when fraud was committed. Also subpoenaed XXXX XXXX to view money order that was purchased. I am truly disgusted with Comerica/XXXX. All I want is my funds back I did not expect a U.S. Treasury and social security backed program that said this debit card is safeto let me down.I remain without funds going on 20 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: On-Site Manager, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted On-site which is a screening company for an apartment I applied at. After disputing inaccurate information and On-Site removed the information to reflect the correct info. Then Onsite went back and changed the information that was completely inaccurate to something that was grossly inaccurate. The information they provided to the apartment, was even worse than it was before when they have the original report. I have copies of all the reports and they all state something very different. They have clearly and negligently proved erroneous and false information which is in direct violation of federal guidelines set forth by FCRA. I have contacted my attorney and asked that he file claim against On-site for defamation, fraud and negligence. I spoke to a rep who could n't explain or justify why they proved inaccurate information about me to a potential landlord. Then I asked them why when they changed the information they did not provide me 5 days notice which federal guidelines dictates they are required to do under the FCRA. The rep stated they need to verify and that 's why they went back and changed the info. When I stated that it should have been verified before changing my report to reflect the right info before, the agent got an attitude. I then asked to be transferred to a supervisor and I got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I sent a letter on XX/XX/XXXX to the Credit Bureaus requesting that they remove Fraudulent accounts that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint & I am including them again. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00XXXX XXXX XXXXXXXX Balance : {$63.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

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 2019-08-06
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice that my wages were going to be garnished ( from my employer who was served at his residential home! ) I called a credit counselor immediately after learning of the garnishment ( I had no idea where to start ). I was told only thing I could do was try to work out a payment plan. I called the office suing me.. I was told the garnishment had already gone through and there was nothing I could do ( they would garnish 25 % of my wages and thats that ). I explained this was the first time I was hearing about it and that I hadnt even lived in the state for the last few years and hadnt lived at that address for a lot longer.. they refused to work with me. So I reached out to the creditor, let them know I didnt recognize the debt, hadnt received paperwork, and was able to sign on to an account that had actual papers I could see pertaining to the account! Thats when I got really mad!! I have no recollection of the debt, the charges, and I feel like the creditor shouldve never opened this card because it wasnt me! There are charges from out of state that make no sense ( impossible for me to have purchased! ) Due to not knowing about this at all, I never had a chance to fight this! And they are already garnishing my wages.. I thought I had no other course of action but to let it happen. I am putting in a complaint here, I dont want this to happen to someone else because I didnt say anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
It appears that my 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXXBalance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2019-06-25
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:
Around XX/XX/XXXX I was trying to get a loan and they refused to give it. I asked the reason so they show me I have a XXXX XXXX Credit Card never paid since XXXX. It was a surprised. I went to XXXX XXXX  they told me I have a Credit Card under my name since XX/XX/XXXX with a Balance of {$6400.00}. I called XXXX XXXX  I told them somebody used my identity. Even they told me that, what I remember in PA, the East side of U.S.A. I told them is impossible, I never opened that account and never lived there. I Asked Experia but they couldn't solved the situation. It is the reason I asked you because I haven't opened that account. 
This was a real surprise. 
I hope you can help me to solved this situation. My Credit is totally damage because of this.

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 2019-06-23
Company: EQUIFAX, INC.
State: AZ
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:
In XXXX had collection information removed from credit report. They removed XXXX XXXX XXXX and reached it with XXXX. I submitted a dispute in XXXX and XXXX was removed and XXXX is back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I purchased furniture from XXXX  XXXX using the account number below. 
Re : promotional offer expired XXXX XXXX XXXX XXXX I was on time and consistent with paying my account for the past 2 years, I had financial hardships and changes in my income. I paid on time each month. When the promotion ended, I was facing family challenges that distracted me from preparing to pay the {$740.00} balance, now my current balance has increased to {$1800.00}. On XX/XX/XXXX I called the company to request a 30 day extension to allow me to pay the previous balance, they declined stating if I called on XX/XX/XXXX, they could of approved it for 30 days. The credit card customer service representative communicated that this information regarding extending the promotion was not in writing.

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 monetary relief
Consumer complaint received 2017-11-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XXXX of XXXX I returned Toyota Camry for end of lease. Prior to lease i had an inspection which determined tail light crack and damage to tire. i had both of these replaced prior to return. In early XXXX toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. now almost two years later Toyota submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is very apparent that they prey on consumers after they expect their records to be long gone. the collection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I purchased a vehicle from XXXX. XXXX collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. XXXX used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''

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 2019-04-25
Company: EQUIFAX, 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:
Equifax continues to report fraudulently opened accounts on my consumer credit report. In addition Equifax has a fraudulent Date of Birth which was confirmed by their rep on the phone on my credit file. Equifax advised me they do not have to block this information as this time because they stated they don't have to. Which the law states If I provide proof I am a victim of Identity theft, and clearly advise of the crime I can request as a legal right to have the fraudulent accounts blocked in which Equifax refuses to do so. These accounts include XXXX XXXX XXXX XXXX XXXX for {$1800.00}, a XXXX XXXX XXXX XXXX loan for {$15000.00} Which again you need millitary membership for and I have never been affiliated with the military clearly not my account. This was opened with my stolen identity. There is a XXXX XXXX XXXX XXXX account that is fraudulent with a {$650.00} Balance. There are two XXXX XXXX XXXX cards which show a limit of {$25000.00} each again fraudulent, not only that XXXX XXXX told me that is not the limit on those fraudulent cards so not only is equifax reporting the information fraudulent they have inaccurate fraudulent information at that. So these accounts are opened with my stolen identity. Additionally, there is a XXXX Card which states closed by credit grantor with a limit of {$1100.00} which is not my card and was not authorized to be opened in my name. There is a account with XXXX XXXX XXXX XXXX which is fraudulent and was not authorized to be opened in my name again with my stolen Identity. Equifax refuses to block these fraudulent accounts and refuses to follow FCRA law 603 ( b ) they do not provide reasons for refusing to block these accounts besides advising me they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, we leased a vehicle through Ally Financial and the vehicle was returned in XX/XX/XXXX to XXXX XXXX. Ally sent out a notice saying that a final balance of {$2700.00} was remaining after the lease ended. In XX/XX/XXXX, Ally financial added {$26000.00} in mileage charges that are not listed in the contract. Ally financial also failed to produce a contract showing justification of the additional costs after being asked many times. 
In XX/XX/XXXX, Ally financial also proceeded to report the loan as open hindering future auto loans and therefore making securing an auto loan difficult due to having a current open loan for a vehicle no longer in our possession. My spouse and I have both tired to have this fixed directly with Ally but to no avail. 
Their response is to have a manager look at the account but we only receive letters and calls no resolutions or validations.

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 2017-11-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Was on a military contract ( training ) under which outside the military facility communication was highly limited, was not allowed to make phone calls or use internet while we were training. 
The individual in charge of my accounts failed to make any payments on my credit card leading to default payment for the month of XX/XX/XXXX-XX/XX/XXXX, which meant i was over 30 days late for the payments. 
As a result, my credit company sent my payments to the collection bureau which led also affecting my credit which i was trying to build. 
I did explain this to the my credit card company but they said i had to dispute this with one of the credit score companies ( experian was suggested ) As of today, i have been making payments on my card but i can no longer use it since the credit company locked it

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