BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested two months of COVID relief plan with Toyota financial Services ( TFS ) in the month of XX/XX/2020. I mailed the COVID-19 releif contract plus a payment of {$96.00}. TFS declined that they did not recieve my mail and check, but I confirmed with the post office it was delivered. Then I mailed the revised contract and payment in XXXX, but was returned to me for unkown reasons. I contacted the company three times using online form as well as on the phone. Finally, I was able to pay the amount online and now it is corrected online. However, TFS reported to all three credit bureaus that the account is deliquent. I submitting this complaint for them to fix this issue right away as I am in the process of applying the mortgage loan. This is error on part of TFS not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: NAVY FEDERAL CREDIT UNION
State: LA
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:
Ive contacted the companies and they havent contacted me about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I received a letter in the mail from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I immediately called their XXXX number at XXXX XXXX XXXX. to dispute this debt. First person asked to verify my address. When the address didnt match up, the phone call was subsequently disconnected. I then made a second attempt. The second young lady was polite but insisted that since my address didnt match up in their system, she was not authorized to continue the call because there was nothing she could do to further verify why I received a debt collection letter. The letter shows that Transworld Systems Inc, represents XXXX XXXX XXXX XXXX, and claimed that I owed a current balance of {$230.00}. However, I nor anyone under my household has ever had an account with XXXX XXXX XXXX XXXX. I request that Transworld Systems Inc, along with their client XXXX XXXX XXXX XXXX, remove any and all information linking me and my property from their database and systems. This is the first and hopefully final step in rectifying this mistake. I will accept a letter of confirmation that this mistake has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Army and Air Force Exchange Service
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX to XXXX XXXX between XXXX. Made several attempts to make a payment at the local XXXX  and was informed that unlike our Exchanges/Expresses in the U.S., a military star card will absolutely be needed in order to make a payment. Without a card, their information can not be looked up in the system. I was also told they couldnt call or contact AAFES from the local XXXX in XXXX. Unfortunately, there was very minimal communication capabilities due to location/security reasons and after these attempts I had no other option but to place on hold until my return stateside. Upon my arrival to the states I sent certified mail, called, emailed and sent fax ( to : XXXX ) -- -email to submit my orders and proof of service location at the time my account went delinquent. At the end of XXXX, near beginning of XXXX, I called in and was placed on an auto pay of XXXX per month that did not cover the complete bill amount. She believes it to be around XXXX monthly minimum at time of the auto pay. I had no late payments prior to deployment and have made several attempts to correct the companies reporting on my account. I was told initially that the late payments would be removed when I called and spoke with with customer service but that has yet to happen. Then i was told repeatedly ignored by the credit disputes department. Now even after showing proof to credit disputes department they keep refusing. In accordance with Congress Legislation S.1249 this violated my rights as an XXXX XXXX XXXX. No late notices or letters were sent to my chain of command which is a must whenever a XXXX is delinquent. Also unbeknownst to me during the deployment because I didn't have access to look up my les during my deployment, I show that monies were deducted from my check which legally according to FCRA brought my account to current status. But some of the payments doesn't show as paid they still show as delinquent to this day. So they failed to properly report even those payments which resulted in years of excessive late payments because someone didn't properly report my automatic XXXX drafts that I had no knowledge of. AAFES is sgowing me that no matter my sacrfice to this Country that during such a rough deployment at no fault of my own refuses to make the proper adjustment to those late payments. Again this violates the Congress Legislation S.1249. According to aafes deployed XXXX  are not required to make monthly payments while deployed and the interest will not exceed 6 %. My time in XXXX was considered a deployment  not a XXXX. It is on my XXXX as deployment and has and always been considered a deployment.

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 2021-10-08
Company: Kriya Capital, LLC
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:
CREDENCE RESOURCE MANA Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to report fraudulent charges on the account. Ive sent several ftc and cfpb complaints. Why is this account still reporting on my credit. Im advising Discover to remove the dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
chexsystems continues to report information i have proven is fraudulent and illegal. 

15 usc 1681 requires reporting agencies to do maximum due diligence that is clearly being neglected The Electronic Fund Transfer Act ( EFTA ) : This law establishes the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers. Under the EFTA, consumers have the right to stop payment on a preauthorized electronic fund transfer by notifying the financial institution before the scheduled transfer date.

The Fair Credit Reporting Act ( FCRA ) : This law governs the collection, dissemination, and use of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate or incomplete information contained in their credit reports, and to request that inaccurate information be corrected or removed.

The Consumer Financial Protection Act ( CFPA ) : This law prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. If a company continues to use your financial information without your permission, they may be engaging in an abusive or deceptive practice, which would be a violation of the CFPA.

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 2022-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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:
Didnt recognize this hard inquiry on 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 2019-06-12
Company: Bread Financial Holdings, Inc.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/18 I ordered a supplement on line the price was {$5.00} which I never got but when I got my bill there were 4 charges ( last four number of credit card XXXX ) XX/XX/18 {$5.00} XX/XX/18 {$4.00} XX/XX/18 {$89.00} XX/XX/18 {$90.00} I called the merchant directly and told her to cancel my order and give me the credit they charged to my credit card she said she will resolve the problem and than I called my credit card company and told the story they close my account and sent me the new credit card with new last four number XXXX ) I got another shock when I see they charge me again on XX/XX/18 {$89.00} and then I have to closed my account for good. 
I authorized my card only for .XXXX The Comenity Capital Bank said they will take 90 days for investigation even I closed my account but still I got charged I paid minimum balance for 3 months but they never resolve the problem they kept charged my late fee and interest for last 7 months instead of getting about {$100.00} credit from Comenity Now I owed them {$380.00} and no body listen at the Comenity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
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:
To whom it may concern, My name is XXXX XXXX, and I'm the proud owner of a XXXX owned business, with our primary focus is consumer credit reporting. 

For the past 30 year I have lent my talents to nineteen of corporate Americas tops in their areas of expertise. I come to the table versed in areas most consumers would never, so I hope my concern as all concerns receive a watchful eye. 

Our consumer right regarding credit reporting is being abused at will and algorithms should shoulder most of the blame. 

The following companies are the ones who must receive this correspondence and must address all the below question with a proper human response and allow for proper follow up and the follow exchange. I will no longer accept automated responses, and neither should you. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Keet it Brief, Got it! 

The contractual agreement or arrangement between the lenders and creditors is not being upheld by the lenders. Area specific, reporting and posting. 

Willingly or unwillingly, the lenders and credit reporting agencies have withheld accurate reporting. Area specific, true value of loss regarding charge off, profit and loss reporting. 

The lenders and credit reporting agencies are using high tech tools to circumvent consumer protection laws and acts on a federal, state, and local level. Area specific, e-Oscar. 

The overseeing body, which is entrusted to enforce our consumer protections, has appeared to have lost the will to enforce a proper human response and adequate time for follow up. Area specific, CFPB. 

As a proud XXXX XXXX XXXX veteran of the XXXX XXXX, I swear an oath to protect this country from all enemies, foreign and domestic. My military training and skill have served me well in the private sector assessing danger on all fronts. 

Like our green berets and special forces, I too take my services profoundly serious. 

It's about the will to want, versus the will to say I can't. 

In closing, As a consumer I have rights. 
As a citizen I have rights. 
I equally understand if I don't exercise our right, industry will abuse our right and have us believing our rights don't exist. 

It ' time to change the narrative and ask the question no one is asking. Like, how do you serve XXXX masters credit reporting agencies? 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, Consumer Advocate, XXXX XXXX, Summary Judgment Intermediary Leverage Credit Recovery XXXX XXXX XXXX XXXX, New York XXXX Cell : XXXX Email : XXXX Website : Leverage Credit Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase advising they will close all my accounts and end their relationship with me. 

I have a checking, savings, credit card and safe deposit box with them. I have been with Chase for over 10 years and received no explanation why they are doing this. 

My fear is that my name is on some database incorrectly. 

I am not a XXXX XXXX or a XXXX XXXX on some government list nor have I ever committed fraud in my life. 

I am a law abiding citizen married to a XXXX and gainfully employed with good credit. 

I do not understand how they are allowed to do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent in a police report in 2020 with all the accounts like XXXX and XXXX XXXX  that were not mine, now they are showing back up for no reason and my score has bottomed out again. I also had multiple inquiries that are not mine and need to be cleared off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax , Inc. never thoroughly investigated my compliant under the FCRA & FDCPA. 
-- -- -- -- -- -- -- Equifax , Inc. continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. 
-- -- -- -- -- -- -- On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. Equifax and XXXX are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. XXXX is failing to report the following account In Dispute. XXXX partial account number XXXX. Equifax is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. Equifax and XXXX are failing to reporting the following account In Dispute. XXXX XXXX XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: NY
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 am not able to see my Equifax credit report. I have called twice and they said there were no issues. I requested to remove any fraud alerts and it still isn't done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest collections. Never advised me of a debt. Also it's not mine. They don't have my social. They claim it's cable equipment from 4 years ago. The original creditor never reported to my credit report. They purchase an old cable equipment debt and put it on my credit without notifying me. Then say I owe XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I have contacted Capital One several times about missing information and inaccurate credit reporting. I have 3 credit cards - Quicksilver XXXX, Venture XXXX, Spark business. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. Capital one is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX XXXX XXXX and XXXX   immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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