BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-07-19
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a money market account with BBVA Compass. I have tried to make online transactions to transfer money out of my account on several occasions. The transactions do not process, and BBVA has no explanation on why the transfers are being refused nor are they assisting me. They state that I simply need to schedule the transaction again, however each and every transaction scheduled fails without an explanation.

Efforts to reach their corporate department have failed. BBVA does not have any branches in GA, which is where I live, so I can not meet any representative. 

I am an XXXX and planning to file a lawsuit against them. I have $ XXXX in the money market account and can not get any money out. 

I have also sent a notarized letter asking for the account to be closed and the funds to be transferred to me. BBVA is refusing to close the account. 

In addition, under their disclosures of opening a money market account, BBVA does not clearly disclose that there is a monthly limit of {$7500.00} to transfer funds out of the money market account. They only disclose a maximum of 6 monthly transactions but not a monetary cap. This is a deceptive practice and they were unable to point me to a disclosure discussing the dollar cap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
On XXXX/XXXX/XXXX, Equifax informed me of a data breach and told me I was an individual on the list of potential victims of a data breach that occurred over 1 month ago. There was no valid explanation for why it took over 1 month to report this to me, as the consumer. Upon calling the company multiple times inquiring as to whether or not my data was compromised, I was told again and again that they do not have this information. All I am able to find out is that I " may '' have been impacted. I have now had to go and spend a good chunk of my day checking all of my reports, verifying all of my accounts, changing all of my passwords, and so on ... for a " may '' have been impacted scenario. This is a company that I trust ( whether I want to or no ) to properly handle my personal and financial information. I would have hoped to have been properly notified when this breach occurred, as opposed to a month later. I would also have hoped to have a definite answer before going through this trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-07-19
Company: Experian Information Solutions Inc.
State: NC
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:
Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them update the months in question to paid as agreed for this account or remove the entry from my credit report. 

Thanks for you help in this matter, 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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax did not properly protect my day at and had a security breach where my information, including social security number, was disclosed without my consent. This resulted in improper disclosure of my credit reporting bureau information. 

I have contacted equifax but they do not have remediation or way to resolve this. They have offered free credit monitoring but this is insufficient recourse with risk of my identit being stolen and hardship with issues downstream

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Credit Card Receivables Fund Incorporated
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was UNIFUND. UNIFUND sent XXXX XXXX XXXX my incorrect information and are threatening me with a lawsuit. 

First off, UNIFUND does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now UNIFUND and XXXX XXXX XXXX and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that UNIFUND posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. 

My reputation and financial information were completely violated. 

To make matters worse, when I contacted UNIFUND, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager,  but instead he hung up. 

All the information UNIFUND has pertaining to me is inaccurate as well as this debt. 
XXXX has written off my account and did not reach out to me to pay them any outstanding amount. UNIFUND who is working alongside with XXXX XXXX Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want UNIFUND or XXXX XXXX Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 2022-09-04
Company: Experian Information Solutions Inc.
State: SC
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 am a natural person. I am a living human being. I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Experian written permission to furnish these accounts. 


XXXX  XXXX  XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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 am a XXXX  in XXXX  and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft

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 2019-07-19
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:
Please remove immediately from my credit report accounts dont belong 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 2021-01-27
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX my employer contacted me with a telephone number to call. The telephone number was XXXX for XXXX Support Services. XXXX XXXX was the name of the person. Before I could call the number, I received a couple of phone calls from a man telling me that a lawsuit had been filed against me for an outstanding debt. He informed me that my wages were going to be garnished along with a lien placed upon my home. He could not give me any information other than to call the telephone number and speak with someone at the XXXX XXXX XXXX XXXX XXXX XXXX. When I called, the lady on the phone began to tell me that I owed $ XXXX for a Citicard that I opened in XXXX. She said it charged off in XXXX and that I had to pay at lease a little over {$5000.00}, but I could counteroffer the amount. I knew that I had failed to pay the card when I was younger and thought that it must be legit. The lady had give me my social, driver 's license number as well as my wifes. They also had a list of utilities that we have. I countered with {$2500.00} and they countered again for {$3000.00}. I was fearful that they would do the things they said that they would do such as ruin my credit, garnish my wages, and put a lien against our home so I paid {$1000.00} on my credit card and {$2000.00} on my debit card. After I disconnected with them, I began to search for their information online and there was nothing that I could find. Also, the money shows that it was to a bank called XXXX in XXXX. I contacted the Texas Attorney Generals Office and Louisiana Attorney Generals office and both informed me that it sounded like a scam. My bank told me that I would not be able to get my money back due to it being authorized.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/XXXX I sent my first dispute letter to Transunion. Altogether I sent 3 rounds. This account is invalid. The last name on this account is incorrect. Below is the dispute letter I've sent. I asked that they verify and validate all data on this account. I have yet to receive proof of validation. Dispute Letter Section 609 Round 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Transunion, as I analyze my credit report, I am shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Please verify and validate all data for this account. Every notation, dates and balances, whether reported or not. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. Attachment : 1. Copy of my Social Security Card 2. Copy of my Driver 's License 3. Copy of my Utility Bill I, hereby, attest that, to the best of my knowledge and belief, the above information is true and correct. _______________________________________________________________ Signature NOTICE Notary Public is not an attorney licensed to practice law and has not given legal advice or accepted fees for legal advice ; provided no assistance in the preparation of the above referenced documents, and has no interest in any issue referenced therein. Notary is not a party to this action and is only acting in an authorized capacity as liaison to communications between the parties. Using a notary on this document does not constitute an adhesion, nor does it alter my status in any manner. The purpose for notary is verification and identification only and not for entrance into any foreign jurisdiction. WITNESS my hand and official seal.

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 2021-01-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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: HYUNDAI CAPITAL AMERICA
State: WI
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 took out a loan from Kia Finance to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to Kia Finance, the lean holder. Kia Finance returned the check to XXXX XXXXXXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time Kia Finance is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be XXXX and it's affecting my credit really bad.

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 2018-02-05
Company: EQUIFAX, 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:
On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2022 I was denied credit by ALLY FINANCIAL. I tried to call the bank to ask questions on why I was denied an extension of my own credit but was unsuccessful. I never gave the dealership XXXX XXXX XXXX permission to run my credit. they informed me that they were going to take a look at it but never mentioned how they were indeed going to run my credit. they then moved forward and had a conversation with with the bank ALLY FINANCIAL on how they wouldn't approve me because I had a late payment on a vehicle that is now paid off. I then received a letter in the mail from ALLY FINANCIAL stating that they inquired to the credit reporting agency to obtain a copy of my credit report that resulted in the credit reporting agency document ALLYS inquiry. I never gave ALLY written permission to obtain or run my credit only to be denied and for them to ask me for a down payment. I feel as I was discriminated against because of prior transaction that had absolutely nothing to do with them as a corporation. I was DENIED extension of my own credit based off of inaccurate reports. I've suffer financially and this has brought damages towards my credit and now have to deal with financial hardship. 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 explanation