BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 sec. 602 states i have the right to privacy. Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My husband and I have decided to voluntarily surrender a vehicle. It is a XXXX XXXX XXXX. It was refinanced through CapitalOne Auto Finance in XX/XX/XXXX in my name only. CapitalOne has not put the lien on the vehicle even though I sent the paperwork to transfer title almost a year ago. We are in the process of filing a bankruptcy. 
I called them to tell them to come pick up the car and wanted to arrange a date and time with them so I could give them the keys. I have made several dozen calls - each time getting no assistance from the reps. Four times being disconnected when they were attempting to get someone on phone to help me. 
The last call I told them they have until end of month to pick up or I'll sell because they are not doing anything to resolve this. We stopped paying on it in XXXX - this is all Covid related, but just need to get rid of this vehicle. They appear to not want it back. Need some help getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: CA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-04-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I see in my report 30 inquires I never apply for these lender non have my signature I try to contact XXXX XXXX to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month

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 2023-03-07
Company: EQUIFAX, INC.
State: NY
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:
Let this complaint serve as my consumer statement as it relates to the fraudulent account. I XXXX XXXX provided all documents required by law to remove a fraudulent tradeline. 
As stated in the FCRA 15 usc 1681c-2 all items resulting from fraud must be blocked and removed from within 4 business days. The item was not removed during the investigation as stated under the FCRA neither which is a violation under the FCRA.

Equifax is claiming the fraudulent account owner has verified the account. BUT IT IS FRAUD! PYOD has no proof my information was submitted by Me to this account holder. The account is a fraudulent! Equifax is to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and Equifax has failed and is continuing to report a fraudulent account.

Ive provided all items required by 15 usc 1681c-2 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

What is Equifax reason for not abiding by the law? 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: 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. 

XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Application number XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
In 2018, after a wrongful termination, I remained in contact with Toyota Credit in an effort to keep my car. As I began to fell behind, it was determined by Toyota reposession was the only option. The representative explained the process and informed me the car woud go to auction and then I would receive a notification letter if there is an outstanding balance. After having the car detailed, I met the reposession gentleman, handed the keys and that would be the last interaction with Toyota. 

After 4 years of silence I received notification from XXXX XXXX stating I owed {$9400.00} and how would I like to take care of the balance. That is the amount on my experian credit report. I never received a deficiency balance notification after the auctionn of the vehicle. On my credit report, it states the original balance was {$14000.00} and the lease was for 40 months. I disputed the amount owed through experian. I made 23 months of payments at $ XXXX which equals {$11000.00}. If the original amount was correct, then my outstanding balance should be {$2900.00}. Also I questioned the deficiency balance since a notification of an updated balance after auction was never received. 

I reached out to XXXX and informed them of my dispute due to the errors on my credit report. I also requested a verification of debt letter from them which as of yet has not been received. 

I received notification from XXXX today regarding the dispute. The information provided was the original amount of the debt is correct. Then the amount owed is incorrect. Also I do not know if the balance was updated post auction. I was paying {$490.00} /mo on a 40 month lease that comes to {$19000.00}. A {$5400.00} difference than what is reported. 

Their contact number on my credit report is not provided so I am unable to call them. I need some help getting this matter resolved. After being homeless, I am concentrating on my credit and getting my life restored. I appreciate any and all help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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 2023-04-17
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:
This account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with XXXX it was agreed that all corresponding XXXX account data should be removed immediately.

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 2023-09-22
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer, sent a letter on to the each of the credit reporting agencies XXXX XX/XX/2023, Experian- XX/XX/2023 and XXXX- XX/XX/2023 , requesting removal of inquiries and requesting all accounts be updated due to improper reporting based on the Privacy Act of 1974, CFR guidelines regarding disclosure of nonpublic personal information to nonaffiliated third parties ( credit reporting agencies ) and partial opt out. They have not responded to my correspondence nor have they updated my tradelines on my credit reports.

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 2022-01-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card info was stolen in XX/XX/2020, a ton of fraudulent charges were made. 

A police report was filed, and judging from the fact that all the charges but 1 were removed from my bill, best buy also agreed they were fraudulent. 

However, a charge for XXXX from the list of fraudulent charges is now being charged to my account.

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 2019-07-22
Company: Colony Brands, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My wife has XXXX XXXX XXXX for 12 years she has underwent 10 surgeries and has been working with 8 doctors specializing in her XXXX. I contacted The Swiss Colony to  include all their affiliates ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX ) on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Trying to work a hardship repayment program due to the extraordinary circumstances with medical bills. I have been a customer with The Swiss Colony and all their affiliates for 30 years and they have always been flexible with my monthly payments up to 90 days of payments by accepting payments from me this way has always been agreed and became the standard. Never past due of 120 day until the medical bills. Understanding this is a catalogue store my concerns that never received and itemized statement each month so never sure what I truly owed but paid the required amount on each. When I requested a hardship payment plan they told me only as long as I can provide a letter from my wife 's doctor with medical proof. My wife has never been a joint account holder. My wife refused to provide any medical proof since she was not on any of the above accounts and was very upset due to her privacy. HIPPA ( Health Insurance Portability and Accountability Act is a law that protects medical information from being shared with others. Now my accounts are with XXXX XXXX XXXX XXXX XXXX, XXXX requesting {$4.00}, XXXX no other itemized listing. I will be sending them a Validation Letter of Debt IAW Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is not a good practice to request medical proof for any family member to assist in a hardship payment program. One would agree that a loyal customer for 30 years should be taken by his word when there is a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Michael Wayne Investment
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 information incorrect

Complaint:
Michael Wayne Investments is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE

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 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have been paying to receive all three reports via experian and i have not been able to obtain all three since last XXXX every month it updates but the date still states XXXX. I have attached proof. it has been extremely frustrating to get help over the phone. in good faith im asking you to refund all monies paid for the reports not received. i have attached proof that i haven't received it since then. please do something about calling in because the automated system makes it extremely difficult to get any help. i pray we can resolve this an i be refunded in a timely manner or i will file arbitration for breach of contract due to you not holding up your end of the agreement.

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 2019-07-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called AES today XX/XX/XXXX because I had deferred my loan for 12 months and it was saying I had a payment. I have tried for months to have my payment lowered due to my XXXX year old having XXXX and they are not willing to work with me. Today and XXXX lady who I could barely understand said my loan was deferred for 12 months and there was nothing she could do about this payment. I can not keep paying this ridiculous amount for my student loans. I have tried and tried to work with this company and they will not work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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