BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
transunion has me with only XXXX account as result of my requesting XXXX credit card ... ..my credit score dropped over XXXX points as result

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XX/XX/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 2019-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my credit card account with perfect on time payment history on XX/XX/XXXX without notice. I understand that banks can close any account for any reason, however, when I called to inquire about it, they told me it was a secret and I had to wait for a letter. When the letter arrived, it said it was due to my credit report. Which, normally I would understand, except that my report had not changed since the account 's inception ( I still have XXXX % on time payments on every credit account I've ever had ). So I made an appointment at my local Bank of America branch to discuss it. They told me they have nothing to do with credit accounts, only checking/savings accounts and told me to call the XXXX number. Multiple calls lead to no valid explanation and lies. All reps said they can not see any details to discuss it with me. One Bank of America rep said even though he didn't know why it was closed, he could request my account be reopened, after a few seconds, he told me that my account could not be reopened because the " terms of my old account were no longer available '' which turned out to be a lie, as I received a letter a few days after the call saying my account couldn't be reopened because I recently had an account revoked from Bank of America : well yeah, that's the account in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
A cashier 's check bounced on XX/XX/17. The check was from a XXXX marketplace sale. The check was for {$2500.00}.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2021-04-29
Company: EQUIFAX, INC.
State: LA
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:
From XX/XX/XXXX until XX/XX/XXXX I wrote near-monthly letters to Equifax advising that there were errors in the reporting of an account on my credit report (  XXXX XXXX ). Some months I received a response, some months I did not, but the times that I did the response was always the same, the creditor validated the incorrect information as correct. However, Equifax simply changed the information reporting each month, rather than deleting as they should have. On XX/XX/XXXX I wrote to Equifax, after all pending disputes for this account had cleared and the account remained, still reporting inaccurate information, and advised that this account was now past the legal reporting period. XXXX  and XXXX  were also reporting this account and were also put on notice that they were reporting this account past its legal reporting period. XXXX  responded and removed the account as required and forwarded notice of its compliance. On XX/XX/XXXX a copy of that notice was forwarded to Equifax along with another demand that they remove the XXXX account. Not only did Equifax not comply, it updated the account with additional incorrect information and caused a drastic drop in my credit score. Despite being reminded, repeatedly, that credit bureaus are required to report only accurate information, Equifax repeatedly disregards my consumer rights by not only reporting incorrect information concerning this account but also refuses to remove the account altogether based on the inaccurate information reporting nor the fact that this account is also past its statutory reporting period, regardless of the information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: LA
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 have not know of this XXXX account this account does not appear on any of my other credit reports XXXX this account violates FCRA laws 15 U.S.C Sec 1681i ( a ) to report accurate and complete information Re : Letter to remove inaccurate credit information This account is not mines I have asked for the account to be verified and validated Both XXXX and Equifax have been reporting incomplete and inaccurate information I have contacted XXXX several Times about my report and I feel they have fail to abide by the FCRA law 15 U.S.C Sec 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the late fall of XXXX, I noticed that my credit rating had dropped. When I reviewed it, the report had two addresses unknown to me and an XXXX XXXX XXXX  from XXXX XXXX. Both the card and Bank I did not recognize. I reported the card and the two unknown addresses to XXXX and XXXX who removed them from my record. ( XXXX  XXXX XXXX XXXX traced the addresses to two mailboxes in XXXX California ), I really have been paralyzed by all this, not knowing what to do and especially haven't trusted websites or credit card companies I hadn't heard of. 

I tried to talk with the credit card company and they insisted the charges were from me. I explained that I had never heard of them before. I was fearful since their website looked really sketchy and I did not want to reveal any personal information to them over the phone. My conversations with them resolved nothing. 

I had moved to another city for work in XX/XX/XXXX and have tried to dispute these charges, but for some reason XXXX was insisting that they were still mine. I got correspondence from a the Law firm of XXXX XXXX  XXXX saying that they represented Spring Oaks Capital who had bought the debt of {$1600.00} and that I should pay them immediately. They have statements indicating the charges and two unpaid statements that have my name on them with the unknown addresses. They sent me a form requiring me to enter my personal information and I did not want to fill it out. XX/XX/XXXX, they sent me a letter asking me to pay 70 % of the debt they claimed I owed as a settlement. 

Out of principal, I do not want to pay for something that was taken fraudulently in my name. XXXX XXXX XXXX have now ( XX/XX/XXXX ) served me a notice that they are suing me in Small Claims Court. How do I defend myself? I don't have the resources to hire an attorney that would exceed the cost of the amount they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Information belongs to someone else

Complaint:
I've previously sent twelve letters to the credit bureaus asking them to take the disputed entries related to the identity theft off my credit report, but nothing has happened to yet. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. I sent numerous letters to the credit bureaus with complete attestations of my personal information and the FTC 's ID THEFT REPORT, and I had assumed that these items had already been removed, but because it is required by FCRA regulation 605b, I'm sending this complaint to help with laying out a legal defense. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. 

XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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: Information belongs to someone else

Complaint:
This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, Experian, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help 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 2017-05-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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:
On  XXXX   XXXX  , 2017 I contacted Toyota Motor Financial Services because nega tive reporting appeared on my credit report. I am a cosigner on my step-daughters loan and apparently in     XX/XX/XXXX / XX/XX/XXXX  h er payments were late. She is in the  XXXX  and had set up auto-payments while out to see, but due to bank account issues her payments did not go through, unknown to her.     I was never even provided the courtesy of contact by  Toyota Financial in order to have an opportunity to make the payment s and prevent the negative reporting, nor was I ever notified a negative report had been made. I discovered it myself during an annual check of my credit repo rt. ( Comically, during my phone call with Toyota, they advised they had attempted to  call me  2-days befo re but left no message - I have no record of a call and even at that it was way AFTER the late payments had appeared on my credit report. ) This does not demonstrate compliance with this section of the code  : 623 - 15 U.S.C. 1681s-2 ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial   institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section  603 ( p ) furnis hes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.     When I discovered the negative reports on   XX/XX/XXXX ,  and contacted the company, I was advised to write a dispute letter noting that I was the cosigner and had never been contacted to make a payment before th e 30-day delinquency, nor even notified that not just   XXXX  , but   XXXX   negative reports had been made on my credit. I wrote a 2-page letter only to receive  an auto-reply form letter dated   XX/XX/XXXX , stating the information was correct. ( see attachment ) The reply did not even ad  dress the points I brought up regarding non-notification. To-date, I have still not been officially notified by Toyota of the negative consumer reports they sent to the credit bureaus in my name. I had also asked to receive monthly billing statements addressed in my name as a duplicate of what they mail to my step-daughter and they have failed to address that request as well. My question is how can the Creditor  hold the Co-signer responsible when I was never afforded the opportunity to be aware of, much less resolve the issue.  My   XXXX   credit score h as plummeted more than  XXXX  points from this specific issue. Is that really the way to treat a loya l Toyota customer of 40+ years? Is this truly legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am pro-active in trying to make my student loans ; however, when I contact them on Friday, XX/XX/2023, I was chatting with XXXX ; I was explaining that my yearly salary is XXXX and I am fully aware that I owe my student loans ; but I am unable to afford {$1500.00} a month which will commence in XXXX, 2023. I have monthly living expenses such as rent XXXX, car insurance/car payment XXXX, utilized XXXX, food XXXX. I will not be able to afford this amount at this time. I have attached the dialogue between XXXX and I. She suggest I send what I can and I will be sent to collection which they will report it negative in my credit report which I am trying very hard to fulfill my financial obligation. I have only employed for 3 months and still under probation at my employer 's company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've previously sent twelve letters to the credit bureaus asking them to take the disputed entries related to the identity theft off my credit report, but nothing has happened to yet. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. I sent numerous letters to the credit bureaus with complete attestations of my personal information and the FTC 's ID THEFT REPORT, and I had assumed that these items had already been removed, but because it is required by FCRA regulation 605b, I'm sending this complaint to help with laying out a legal defense. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$1700.00}

Company response to consumer: Closed with explanation