BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
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:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 2018-01-14
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not understand why this is till on my credit and where its coming from I previously tried to contact the company regarding this {$1000.00} debt that has been negatively affecting my credit since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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:
I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes.

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.

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 2022-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items reported that are not 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX in the amount of {$3900.00} on XX/XX/2021, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I take my privacy extremely seriously, and that right has been violated, causing me great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi. I bought out my XXXX XXXX XXXX lease from Toyota Financial Services. They received my check of ( XXXX $ ) on XX/XX/XXXX, and closed my account. Before this my monthly payment deadline used to be the XXXX. This month I saw that they have reported to all 3 credit agencies ( XXXX, XXXX, XXXX ), that I have missed my XXXX, 2023 monthly payment and as a result my credit score has dropped XXXX to more than XXXX points across them. I am trying to buy a home now and this has almost made it impossible for me to go ahead on this now. I sincerely request your help to hold them accountable and rectify this mistake as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter onXX/XX/XXXX stating that Chase LO on XX/XX/XXXX andXX/XX/XXXX did not require I submit income documentation in order to receive a Loan Estimate onXX/XX/XXXX which is incorrect. I had to submit Tax Transcripts onXX/XX/XXXX before I was able to receive the XXXX - see the attached emails. In fact, I had an appointment with one LO in XXXX XXXX branch onXX/XX/XXXX but he refused to take my application until I had all of the documentation on this Chase paper form. As a result, I went to the XXXX XXXX branch to meet with XXXX XXXX. He also required that I submit income documents before he would process my application and execute a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2022-01-25
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: Old information reappears or never goes away

Complaint:
XXXX is reporting over 40 closed and paid accounts as open will keeps my fico score from increasing from in reaching its full capacity and score for financial stability. The accounts are continuously being reported as derogatory. The creditors have stated that the closed paid accounts are authorized to be deleted. The practice of reselling and reporting my closed and paid accounts must be stopped. This practice hinders me from getting a positive credit score and as a woman of XXXX these practice do not help me get future credit and gives a creditor a negative outlook for any credit that I may apply for in the future.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. After reviewing my personal credit report, I have identified several inconsistencies that have a significant impact on my financial standing, particularly my chances of owning a home. Understanding that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of XXXX days. I would like to bring to your attention the following errors : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX has already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable.

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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I've opened my Merrill Lynch Self Directed Cash Management Account like XXXX months ago, deposited a large sum ( about $ XXXX ) via check which successfully cleared and money were available for trade/withdrawal. 

I bought some amount of shares pricing approx. $ XXXX. Made one wire transfer of $ XXXX, which was successfully processed and received by receiving party. 

After some time, I've summited another wire transfer of $ XXXX to the same party and i got a voicemail ( i was on my vacation ) to contact them because they need some additional information. 

The next day I contacted them and successfully confirmed a transfer. After a day or two i checked and it was not processed yet. Contacted them again and resubmitted it again and was told that it will be processed in 24-48 hours. Some time later ( about a 2 weeks ago ), after logging in, I saw a small mark <Blocked> under my account and that I need to contact them for assistance. 

Contacted them and was told that my account is under review and there is no way to contact the investigation team, because they are available outside and that everything i can do is to wait a day or two. After two days i was not contacted and i called again and was given the same info. I made about XXXX calls averaging XXXX minutes each from that time and several chat sessions, as my account access was still active and was given the same info every time. 

Last Friday, i was not able to log into my account, the system said account access is blocked. I contacted them again and i after some time a representative called someone as i think and was told that my account is closed. I was trying to ask some additional questions about how and when i will receive my funds back, but the person hanged up. I called again and told the history about my account closure and was told that my account is still under review, not closed and that is will be contacted that day ( Fri XX/XX/XXXX or Monday XX/XX/XXXX ), but i was not. 

I've tried all telephone number available, but noone can say any timeframes for this review or any additional information, because there is no information available ( no notes on my profile ), their XXXX didn't respond ( it is 3 or 4 days as of now ), BofA XXXX account told that they do not have access to ML profiles and gave me the phone number I called before. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Vehicle was purchased through loan by Credit Acceptance Corporation, the vehicle stopped working 45 days after the loan and the Extended Warranty was not honored by dealer, warranty company or dealership.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from 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 non-monetary relief
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Public record information inaccurate

Complaint:
The eviction is not correct and the amount is not correct that I owe. The writ is not true. 
XXXX XXXX XXXX  shows I owe XXXX, and that was paid. 
XXXX XXXX XXXX XXXX processed an eviction and a writ of judgement but that is also incorrect. I think the amount showing is XXXX for that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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:
XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/XXXX MV Rented from XXXX XXXX in XXXX Alaska scaffolding  XXXX paying in full the rental for a XXXX weeks, {$56.00} Visa ending XXXX. 
A couple of days later I return the scaffolding Charge appears on XXXX XXXX XX/XX/XXXX. XXXX Statement for {$56.00}, Transaction date XX/XX/XXXX. REF # XXXX XXXX / XXXX statement No charge XXXX XXXX Charge {$100.00} XX/XX/XXXX # XXXX {$100.00} XX/XX/XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX TOTAL {$510.00} XX/XX/XXXX. Phone Bank of America to report those unauthorized charges. 
XX/XX/XXXX. Received a letter from Bank of America a claim # XXXX crediting me {$510.00} and explaining the process done by the bank while researching my claim XX/XX/XXXX. Received my new card. 
During the month of XXXX, I called during various day five different phone numbers requesting some information about my claim. 
I wasted countless hours on hold as long as 90 minutes, every time I got transfer to several departments and of course the robots answering my calls were horrendous and not programmed to address my needs. 
XXXX statement Bank of America charged me {$510.00} XX/XX/XXXX. XXXX I received a second denial letter for my claim, ( Quote ) based on the documentation provided by the merchant confirming that I received the merchandise or service. 
I called the phone # written on the denial letter to request the document provided by the merchant justifying B of A to deny my claim. It was the same nightmare as before with no results in sight. 
XX/XX/XXXX I finally spoke with XXXX at XXXX XXXX XXXX XXXX who transfer me to XXXX who told me that my file is empty, she couldnt see any documentation provided by the merchant. 

Now we are in XXXX and I havent received any document in spite of having being assured by several staff that they would send them to me. 

Thanks. 



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 monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 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 2022-12-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The eviction is not correct and the amount is not correct that I owe. The writ is not true. 
XXXX XXXX XXXX shows I owe XXXX, and that was paid. 
XXXXXXXX XXXX XXXX academy processed an eviction and a writ of judgement but that is also incorrect. I think the amount showing is XXXX for that also.

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 2022-01-25
Company: Consumer Adjustment Company Incorporated
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a response to the company 's response to my first complaint XXXX. The company CACi seems unable or unwilling to send a document which might validate the account of which it is attempting to collect for " XXXX '' as you call it. I have no idea what this bill is about, what it involves, the circumstances of nor of an itemized statement for the original bill from XXXX. Please send an itemized or otherwise recognizable statement from the original creditor " XXXX '' of which I might compare to one that I might have.

Company response to consumer: Closed with explanation