BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
For years I was oblivious to this Toyota Motor credit co account being opened in my name on XX/XX/ balance of ( {$26000.00} ) this account was opened fraudulent and Toyota did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but Toyota is still reporting this charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Discover Card allowed someone to open an account in my name without my authorization at an address where I never lived. Discover Card tells me through a debt collector that I owe money. Discover Card was able to locate my correct address and call me to try to collect but not to verify that I actually opened the account. I asked Discover Card to provide proof ( e.g., signature ) that I authorized opening the account. XXXX has not and apparently will not provide proof that I opened the account. XXXX in response to my request sends me a letter with the subject line " XXXX to XXXX for XXXX ''. The letter and enclosed material shows the charges that were made under my name. I did not want nor authorize XXXX to open an account in my name. Since I did not authorize opening the account, sending me proof of fraudulent charges is irrelevant. Discover Card never attempted to contact me when the account was opened nor when it was late. If they had, I would have told them then I did not want their card, nor did I authorize anyone to open an account in my name. The account was opened in XXXX and they are just now contacting me. The account ends in XXXX in the amount of {$3300.00}. 
XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX. Ref. XXXX for Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXX c/o Discover Products, XXXX New XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2018-12-20
Company: Experian Information Solutions Inc.
State: NV
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 filing this complaint because Experian did not help me remove the account after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the account as my responsibility but they didn't..CFPB step up and remove student loan XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-01-25
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Climb Credit Inc.
State: MI
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. XXXX  XXXX, XXXX, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the rights 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 an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRUIST FINANCIAL CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage and paid off the loan with Suntrust ( now Truist ) at the end of XXXX. They owed me the escrow balance of {$2900.00}. I was told that I would receive the payment within 15 days. I called back after the 15 days and was told that there was a pending inquiry and to call back on XX/XX/XXXX. I asked if I could have the payment sent by wire-transfer or direct deposit, and was told " NO ''. I called back on the XXXX and was told that the payment was processed and that I would receive it within 15 days. I called back today ( XX/XX/XXXX ) and was told that I had to wait until XX/XX/XXXX ( 30 days after the date of my Final Escrow Account Statement ) to request a new check to be issued. I asked again if I could have my payment issued via direct deposit or wire transfer, and was again told " NO ''. I just want my refund that is due to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have repeatedly been disputing my credit report in which I believe contains a lot of incorrect info. The credit bureau has always come back with items verified or frivolous statements. I need to know who is verifying this information, any documentation signed by me, or validation from the negative credit companies listed. These negative items on my report has hinder me to get a house, car, or any other type of credit. According to the 15 U.S.C 1681 I should not have any negative items on my report. These negative information is defamation to my character.

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 2022-09-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fed Loans is reporting late payments in XX/XX/XXXX & XX/XX/XXXXthat are not accurate. I am constantly fighting with them and calling them with issues. I have not been late, they have been on an Income Based re- payment plan, for 5 yrs! I have to re-apply every year to get them my info and I do it, IN ADVANCE every year. This year they only lost my paperwork 3 times. I do everything I am  supposed to, when I am supposed to yet they get to do whatever they want and cause me late payments which are erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, my entire bank account balance was debited and I am now left with no money. I bank with Citibank. I have went to the bank several times, and they were unable to provide me with an explanation. The bank was unable to specify the reason for this withdrawal, and now I am left in limbo with {$220000.00} unaccounted for. I have even went to the branch, and they told me that they could not " divulge any information '' and to wait 30 days. My reference case number with them is : XXXX. I am unable to fulfill my mortgage obligations and could run into serious troubles if this is not handled. May you please assist me with this issue ASAP? Thank you very much!

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 2023-04-14
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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 XXXXXX/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 2021-06-30
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Eastern Account Systems is attempting to collect a debt from 14 years ago. This is not a valid debt and it is outside the statute of limitations being over 14 years old. The debt was opened from XX/XX/XXXX through XX/XX/XXXX for an account back from XX/XX/XXXX from WOW services. I am unfamiliar with WOW services. When I spoke with two different representatives at Eastern Account systems they had no documents or any records to explain this debt. I called WOW services myself and verified my account and they have no notes, documentation, billing statement explaining what the debt was for and told me to contact Eastern Account Systems. This has ruined my excellent credit score of 800+. In the past 14 years I have never heard of this debt on any of my credit reports which I check regularly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-01
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2018-12-20
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:
Equifax has been non-compliant with removing the unverified account MEDICAL  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MEDICAL was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Ability Recovery Services, LLC
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2023-08-17
Company: T.S. Holdings
State: MS
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 contacted the credit bureau about hard credit inquiries indicating that I applied for credit within the past three months. These credit inquiries were hard credit inquiries that affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 reached out to XXXX once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call XXXX over XXXX times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that XXXX had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get XXXX to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and XXXX has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 please remove this fraud inquiry from 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 2018-12-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Billed for a XXXX XX/XX/2018 for 1 day stay XXXX. Insurance paid $ XXXX+to XXXX hospital XXXX , GaXXXX XXXX billed me nearly {$2400.00} after insurance paid. I questioned the amount as the bill had many!!!!!!! charges labeled XXXX supplies. I am a XXXX XXXX  familiar with the XXXX process.Though I did not agree with the charges, I made two monthly payments of {$100.00} online. In XXXX, I was called by a representative from XXXX XXXX demanding that I agree to pay {$220.00} dollars per month to have it paid in 12 months. I refused because I could not afford it. I told her that I would continue to pay the {$100.00} but she said that I could not pay what I wanted and that they determined what I should pay and her communication became hostile. At that point I felt harassed and hung up on her. 2 weeks later in XXXX, I got a call from medical bill collections. I attempted to pay online and found the account closed and not accessible online.I was blocked from paying XXXX directly. Now a company called XXXX XXXX XXXX XXXX is calling me repeatedly from a toll free number and making threats to ruin my good credit unless I pay in full. I think that my rights were violated by both XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
OnXX/XX/XXXX, BB & T DEALER FINANCE add a hard inquiriy on my credit report per XX/XX/XXXX. 
OnXX/XX/XXXX add a hard inquiriy on my credit report perXX/XX/XXXX 
On XX/XX/XXXX - XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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