BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2020-11-10
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, a unauthorized transaction occurred on my Cash App account, account name $ XXXX. Specifically, a withdrawal in the amount of {$1000.00} was accomplished and another transaction of another {$1000.00} was attempted but I was able to cancel it. On the transaction that actually cleared, the funds went to " XXXX XXXX '' with a e-mail address of " XXXX ''. I immediately unlinked my XXXX  debit card from my Cash App account and then closed my Cash App account. I subsequently wrote Cash App to contest and complain about this unauthorized transaction but was told in a response that I needed to open a new Cash App account to do so. I then opened a new Cash App account, account name $ XXXX, and disputed the unauthorized transaction and then was subsequently told that since my original account was closed, they could not help me. I wrote them 3 more time seeking to resolve this issue with no success, and each time I received responses stating the same response. On my last communication, I specifically asked them to call me at my number of XXXX and they refused to do so. Each and every response received by them did not address the issue I was attempting to resolve with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX account with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota Financial Services is reporting a {$1400.00} on my XXXX Toyota Financial Service lease account. The account number is XXXX with Toyota Financial Services. 

Toyota Financial Services has sold the balance to XXXX XXXX which is a debt collection agency. XXXX XXXX has reported a debt collection on my credit files with XXXX, XXXX  & XXXX. The balance shows {$1400.00} I called Toyota Financial Services on XX/XX/XXXX and verified with XXXX ( representative ) that the account balance now shows a {$0.00} balance with Toyota Financial Services. The balance and collection activity has now transferred to XXXX XXXX. 

However, Toyota Financial Services continues to report the {$1400.00} balance on the Toyota Financial Services lease account on my credit report with XXXX, XXXX, & XXXX. 

Toyota Financial Services needs to update the balance to {$0.00} with XXXX, XXXX, XXXX  since the debt has been transferred to XXXX XXXX. 

Currently, this is an FCRA violation as Toyota Financial Services is now reporting an incorrect balance since the debt has been transferred to XXXX XXXX. 

The balance should be updated to {$0.00} on the Toyota Financial Services lease account and should be updated on my credit report with XXXX, XXXX, and XXXX. 

I have attached the Toyota Financial Services lease account, on how it's being reported to XXXX, XXXX, & XXXX  with the incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
IQ Data in XXXX has contacted both my ex wife and one of the executives at my company in order to try to contact me after I blocked their phone number. 

The debt in question is not valid in the first place ( previous landlord trying to get me to pay for damage I did not cause ). And now IQ Data is  contacting my co-workers and family, which is causing personal stress and embarassment. I have proof of their attempts to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: IL
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:
Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/XXXX-XXXX  XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


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 2020-07-15
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX RE : Citi Visa - Costco Visa Dispute Department XXXX. XXXX  XXXX XXXX XXXX, South Dakota XXXX RE : TWO TRANSACTIONS - TWO DISPUTES The merchant, XXXX XXXX said they refunded the entire amount due to the pandemic - NO MONEY HAS POSTED. 


I bought three airline tickets from XXXX XXXX - two separate purchases charged on my VISA Costs card One purchase : Reservation # XXXX - Two tickets for : {$1100.00} - purchased on XX/XX/XXXX for XXXX and XXXX Second purchase : Reservation # XXXX - One ticket for : {$770.00} - purchased on XX/XX/XXXX for XXXX -- ( and an XXXX  / no charge ) XXXX XXXX  SAID they refunded my money due to the Pandemic and gave me documentation. Citi Visa said they did not issue the money. 

XXXX said they refunded {$770.00} on XX/XX/XXXX - XXXX Reference Number : XXXX XXXX said they refunded {$1100.00} on XX/XX/XXXX - XXXX Reference Number : XXXX I have not received any money refunded / no money credited back to credit card. 

I am DISPUTING both charges. XXXX XXXX said they refunded the money. 
Citi Costco Visa says they did not. 

*Included is a copy of my credit card charges with the TWO disputed charges circled. 
*Included are emails from XXXX stating that they refunded my money. 

Please resolve this immediately and notify me at 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 2023-06-02
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : PXXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have submitted complaints about the same thing for months.

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 2023-01-13
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is regarding my loan with Capital One Bank for my auto loan payment. In XX/XX/2017 my bank did not complete the auto pay and I was out of town. I contacted the bank and they said that if I made the payment via phone ACH that it would not record late. I have made every single payment on time my whole life and they ended up reporting my payment as late XX/XX/2017 My credit report has this blemish and I have no other derogatory auto payment ever reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

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 2019-08-15
Company: Screening Reports 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:
XX/XX/2019 a hard credit pull was done on my XXXX credit report. It says. 

Screening Reports Inc . 
XXXX  IL XXXX I did not authorize this hard pull

Company response to consumer: Untimely response
Consumer complaint received 2020-07-17
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a member of the North Carolina State Employees Credit Union. On XX/XX/2020, I XXXX XXXX XXXX submitted through SECU 's online portal an application for a Visa Credit Card with a requested amount of {$4000.00}. The application gave me the option to list " other household income. '' I listed my boyfriends income as we live together. He pays the rent in the amount of $ XXXXmonth, and I pay utilities and a few other items such as the bulk of our groceries. My application was denied as of XX/XX/2020. I called my local branch in XXXX and requested a call back from a loan officer to discuss why my application was denied. During my phone call on XX/XX/2020 with the loan officer, he stated that SECU would not actually allow me to use my partners income as a factor in thier decision process as they had no proof that I had access to the funds. I explained that my partner pays the listed {$1500.00} rent monthly, and that I paid the utilities and bluk of the groceries for the household. I also explained that some of the utility bills had both of our names on it, as well as our rent was paid electronically through a portal via the realtors company and would prove that he pays the rent with his bank account each month. The loan officer cited that was still not proof that I had access to that money. That we would need a joint bank account. I advised him that I would not do a joint bank account unless I was married to the other person, and that it was not fair for that to be the requirement to prove that this persons income is a part of the " other household income '' as their application listed it. 
SECU loan officer continued to repeat that SECU would not allow loan officers to take that into account and that without that income my debt to income ratio was too high. I feel that this is deceptive on the part of the Credit Union and should be changed. On the application it allows me to list this income without any stipulations mentioned in terms of it being eligible income pertaining to my application. Anyone living together in our situation would be subject to the same misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Disputed 2 claims with Bank of America for the same Company. Attended a seminar, in XX/XX/2020 and purchased programs. The Company split the charges for 2 products. {$1700.00} and {$2500.00}. As with many products offerings like this, there was a 3 Day Right to Cancel. I exercised my right to cancel by faxing the cancellation in to the Company XXXX XXXX. After cancellation, the company keep trying to get me to upgrade but I said I simply want to cancel. I reached of to Bank of America to to file a claim to dispute charges and reverse transaction by sending in the Right to Cancel form. Bank of America honored one charge {$2500.00} but not the other charge $ XXXX.I have sent certified letters trying to resolve this issue. As you can imagine my account has a huge negative deficit.

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 2020-07-15
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni, Inc has placed a collection on my credit profile claiming that I owe {$76.00} to XXXX. I have NEVER had an XXXX  account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NY
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CHARLES SCHWAB CORPORATION, THE
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:
on my XXXX  report, I have found collection account from Charles Schwab bank, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX  years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF THEM.

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 2023-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give consent for XXXX, XXXX, Equifax, XXXX and XXXX XXXX  to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation