BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a XXXX XXXX from Toyota Financial Services in XX/XX/XXXX. All lease payments were made on time - and even in advance. I had paid everything through XX/XX/XXXX when I returned the car to a Toyota dealership on XX/XX/XXXX but it appears that it took Toyota a couple of months to process the paperwork. I have called them numerous times, and even attempted to send them the receipt from the dealership showing that I was no longer in possession of the car since XX/XX/XXXX - all to no avail. They don't accept emails and apparently their fax number is never monitored. 
Toyota Financial Services posted a late payment note on my credit report for the month of XX/XX/XXXX, almost 2 months after I returned the car, and they won't bulge. They won't even return my calls! 
My XXXX credit score, which I monitor through a service, went down from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. It is unacceptable that I should pay a price for their highly disorganized services and their total lack of customer support. I will never lease a car with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : 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 XXXXXXXX I have attached a copy of my XXXX theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-30
Company: EQUIFAX, 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately : 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 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 2021-04-20
Company: National Collection Systems, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company and or scamming is called National Credit Management. Website does not look official and I called them, and all aspects seem very suspect. Consistent calls with no identification of who is calling. My student loans are serviced through 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 2023-11-28
Company: U.S. BANCORP
State: AR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I frequently purchase prepaid VISA gift cards in {$100.00} amounts form XXXX which is backed by US Bank. their website is www.prepaidgiftbalance.com This website if FREQUENTLY down. When it has been down in the past you could call customer service and they would register your card do you could use it online. This request was denied today.

If the website is the ONLY method the company is going to offer to register the cards, the it needs to be up and running 24/7.

I now have two cards totaling {$200.00} that I am unable to use for the purpose intended when purchased.

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 2022-02-03
Company: EQUIFAX, INC.
State: GA
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 keeps verifying inaccurate information on my credit profile. Equifax is violating my rights under the Fair Credit Report Act. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX reporting a past due and late payments each month this is violating my rights and I have disputed this account with Equifax on multiple occasions and they keep saying it is verifying inaccurate information and did not properly verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
I purchased few items from Macys online on XXXX end and XX/XX/XXXX week this year with Macys credit card that is linked with my Macys account. I returned all the items still my balance was shown as complete amount of original purchase with added fees etc even after month. I disputed and it was in my favor, but still i was shown some random amount of more {$180.00} in my account. I called macys customer service department, credit card and dispute department multiple times but didn't get much help. One of the customer service person asked me to pay {$69.00} and they will close the account. But still after paying it remained with pending balance. I have called customer service department and stayed in calls for 2hrs each time and everytime they were removing latest late fee and interest and not giving any explanation for pending amount. 

On Tuesday XX/XX/XXXX, I called macys and got confirmation in email that i don't owe any amount to macy 's and they told it should havXXXX XXXX  balance updated in 3-4days. But now again i am getting reminder emails to pay the balance. Can you please help? It impacted my credit score. They have harassed and tortured me alot. Please help

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 2020-08-14
Company: EQUIFAX, INC.
State: GA
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:
i disputed incorrect info on my credit report XX/XX/2020 to no avail with even a response and by law the credit companies have 30 days to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion charged me {$1.00} so I could view my credit report. Then they billed me XXXX XXXX monthly for a service I did not want or need. It is completely deceptive. No one should ever have any dealings with TransUnion. They are dishonest company that is only trying to scam you out of your money.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

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 explanation
Consumer complaint received 2023-11-20
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My Bank XXXX mistakenly send XXXX to XXXX XXXX , on XXXX.XXXX no longer services my student loans and should immediately refund the amount. I have written to XXXX, I have received no response. Their toll free phone number no longer works.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my 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 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 explanation
Consumer complaint received 2018-09-14
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo Dealer services offered me a settlement amount I paid it and they sent me a letter that effective XX/XX/18 my account is settled in full and my account is closed. They said that they sent this info to all three beaurea. It is still reporting incorrectly and every time I dispute it with the beaureas wells Fargo says that I still have a balance. I opened a complaint with Wells Fargo office of the presidents and the dispute was settled telling me to send the letter they gave me to the reporting agencies and they should honor it but that's not what's happening. They are all ignoring the letter.I have a pending home closing and I'm scared that I'm gon na lose my home because of this Help!!!!!

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 2023-03-17
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/22 I received a text that there was suspected fraud on my citi bank card. Someone had made a purchase at Best Buy for {$1600.00}. Because I was not the purchaser, they began an investigation that resulted in them informing me that I must have made the purchase because my card was used. Up until that time I had always paid my account in full each month. I asked them to re-investigate, but apparently they have not. I am not sure how to prove that his charge is not mine.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!

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 2022-01-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.

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