BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I received an alert that a company had completed a hard inquiry on my credit file with Experian. I logged in to check and a company called The XXXX XXXX was listed. On another part of Experian 's website, the company was listed as XXXX XXXX XXXX. Both companies list California addresses but I can find no record of either company at those addresses or any other in California. Additionally, the phone number listed for both companies is the same, but no one ever answers at that number. Upon further investigation, I found several recent complaints on the XXXX  website all alleging the same thing-credit reports pulled for unknown reasons. 
I called Experian to dispute the pull, but they said I have to reach out to the company first and get a letter from them to remove the inquiry. ( a company that doesn't exist as far as I can tell ). 
I do not have any past due accounts nor do I have any collection accounts on my credit, and I didn't authorize anyone to pull my credit for any reason.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I began suspecting there was an issue when I started receiving random weird letters stating that I owed money for items that I have no recollection of making purchase. I began to do research to figure out what the issue was and resolution to this problem would be which led me to file a report

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 2020-09-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been repeatedly getting spam mail from TD Bank for the past 3 years. 

I first complained about the spam mail to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX XXXX. 
At that time, TD Bank responded to the CFPB complaint by claiming I could permanently opt out of all spam mail from them by using a link they provided in the response. 
So, I used the link they provided in the response to permanently opt out of all spam mail from them. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed another CFPB complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX XXXX. 
This time, TD Bank responded to the CFPB complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed a XXXX XXXX XXXX ( XXXX ) complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX ). 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, XXXX re-opened Complaint # XXXX about the same issue and asked TD Bank to respond to it. 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

Last week, I received the same spam mail from TD Bank which I had received before on several occasions. 
Under the CAN-SPAM Act, once a spam recipient opts out of spam sent by a sender, the sender is legally requited to honor such an opt-out request. 
But instead of complying with the law, TD Bank keeps blatantly lying ( in their response to every complaint ) they have honored the opt-out request when, in fact, they have done no such thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold my vehicle to a XXXX dealership in XXXX, CA on XXXX XXXX 2020. At the time of the transaction, XXXX called Lexus Financial to get a payoff on my lease. The payoff quote was good until XXXX XXXX, 2020. XXXX dealership subsequently paid my lease off on XXXX XXXX, 2020. 

On XX/XX/2020 I called Lexus Financial to confirm the lease had been paid in full. Their automated phone system said the account had a balance of {$18000.00} and my account was past due for XXXX XXXX, 2020!! 

After being placed on hold for over 20 minutes on two separate occasions and being transferred to three different departments did Lexus Financial confirm my account was indeed paid in full. I asked their resolution department to send me a letter saying it was paid in full. They sent me a letter within minutes, but it said I purchased my vehicle and they were waiting for the funds to clear, neither of which was true. 

I called again on XX/XX/XXXX and again on XX/XX/XXXX, only to be placed on excruciating long holds and to get no resolution. Each time I called they ask approximately XXXX questions to " confirm my identity ''? Never have I experienced such exasperating treatment. I can not get anyone at Lexus Financial Services to assist me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to report inaccurate account information. The XXXX student loan account information on my Equifax report still reflects a balance and has not been updated in months. The XXXX student loan account has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX. 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 XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting 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 with this company. I tried contacting both Experian, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

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 2023-02-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XX/XX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I contacted Rocket Mortgage/Quicken Mortgage because XXXX XXXX stated they were the investors on my loan refinance. The reason was to get them to call XXXX XXXX and XXXX XXXX as I had also called them to complain about the coronavirus and my protection and the failure of this company to protect me from harm 's way ( a.k.a death ). Both XXXX  and XXXX offered solutions to doing inspections even for a " cash out '' which did not require to go inside my home. By the way XXXX did the appraisal with a drive by and XXXX 
My home is worth about XXXX XXXX - XXXX lists it at XXXX. I owe about XXXX so I wanted to refinance. I have two loans ; a primary at about XXXX and a secondary XXXX. They will refinance the first with no appraisal, the one that is worth XXXX, but if I want the XXXX wrapped with it, this " cash out '' requires an in-home inspection. We will not have anyone in our home, we have no idea where they been, if they are a carrier of the virus and for XXXX it does not seem worth it to put my live and my wife 's life in jeopardy. 

I recorded the conversations and their recordings while on hold claim they care about people and to protect them from the coronavirus but it is a lie. The refused to call XXXX or XXXX to go through the procedure to do a drive by even for " cash out '' - which by the way makes no sense to me because I am not actually getting any cash. They can walk around the home, look in the windows, but not go in side. 

Mortgage/Quicken Mortgage is getting just as bad as XXXX - and should be blacklisted from the mortgage industry by the federal government. They are discrimination against me because I don't want someone I don't know and in my home who could infect us. We don't even allow our own family in our home. We are older and Mortgage/Quicken Mortgage does not care about people. They should come up with another way of verifying- this is a XXXX XXXX  home, come on, and to force to put my life and my wife 's in jeopardy for a mere XXXX does not make sense. They are evil. I want to enact the Harter-Corona act that prevents mortgage companies from discriminating against those who want to live ; to provide other means of assessing the value without someone entering a home ; a video, a hand off to someone outside the home that gives them what they want without killing me ( literally ). They are not taking this coronavius seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2021-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect information on my credit report

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : Incorrect Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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 2018-10-11
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Citi contacted my husband about a credit card account that he is not on nor is an authorized user. They proceeded to try to get him to make a payment on the account. They told him how far behind and how much is owed on the card

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 2023-04-12
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX & XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Bread Financial Holdings, Inc.
State: CA
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Innovate Managed Holdings, LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Have contacted Innovate Loans multiple times to see why our loan is not showing up on any of the Credit Bureaus. Always told that they can fix it, that there was a glitch in the system. Never get a direct solution. This has been going on since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wrote to collections showing copy of XXXX XXXX returning electronically XXXX $ to XXXX XXXX, due to a fraud on my account. XXXX XXXX XXXX, XXXX XXXX XXXX $ and finally XXXX  XXXX  XXXX XXXX These XXXX  accounts were scammed electronically and at the time of paying XXXX XXXX my balance was XXXX XXXX They kept saying they didnt receive v that money, hmmm everyone else did. They charged late payment which it was on time, and constant this charge that charge now its up to XXXX $ XXXX? The collection agency wouldnt get them to acknowledge they received that money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of buying a home. I received a notification XX/XX/XXXX stating that I owed a debt amount of {$830.00} to CONSUMER ADJ CO. I do not nor have I ever had a loan with this company. I do believe this is identity theft. I never received any correspondence from this company as they alleged. I reported this unknown account to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: VA
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:
Under Law ( 15 usc 1681a2 ). All three-credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be on my credit report. I never done any business with this company ; nor did not give written permission to have this account furnished on my credit report.

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have submitted 2 separate disputes in regards to inaccurate reporting accounts and have not received any results in regards to either investigation.

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 2018-10-11
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: Old information reappears or never goes away

Complaint:
It appears on my credit report through ( rental credit and the experian.com, XXXX and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XX/XX/2013. but they keep reporting this information

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