BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: DriveTime
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX/XXXX/2016, DT CREDIT ( DriveTimeXXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, conducted a credit inquiry to my credit record from XXXX without my consent or information provided directly by me. 

This adversely impacts my credit report at a time in which I am trying to seek financing for a VA home mortgage within the next 90 days. 

I do not have an account through DriveTimeXXXX, nor am I currently applying for an account. They claim this information was provided through a third-party company to them.

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 2016-09-02
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX recent review of my XXXX, and XXXX credit reports alerted me of a collection account that had already been resolved. On XXXX/XXXX/XXXX, it appears that Commonwealth Financial Systems re-reported the service from XXXX XXXX XXXX for the date of service XXXX/XXXX/XXXX in the amount of {$430.00} to all XXXX bureaus. In XXXX, I dealt with XXXX ( which bounced me around internally ) which was reporting at that time. I have attached information regarding where the payment was mailed. Unfortunately, more detailed specifics can not be generated from my prepaid account due to the age of the payment. Sometime last year XXXX XXXX XXXX, I was contacted again about it. When I advised that it was already paid, the conversation did not devolve into an argument and I thought records were finally updated and closed. Now this. 

Any record of this account needs to be re-deleted from all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: BARCLAYS BANK DELAWARE
State: CA
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:
A few years ago there was a breach on my phone and all my info was taken. Since then I have had multiple accounts that Ive had to take care of and fix because of this identity theft issue. There is one company XXXX XXXX to be specific, that will not come off of the charges. They still think it was my card, but can not prove that I was the authorized user during the transactions that were purchased. The total is a mere {$390.00} but still its affecting my credit score.

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 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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:
I have never applied for or ever used any Union bank credit card. 
I received a billing statement for the card ending in XXXX for the period of XX/XX/XXXX to XX/XX/XXXX on XXXX XXXX for {$5.00} ( the transaction date was XXXXPlease see the attached pdf files containing XXXX  copies of all relevant Union bank documents mailed to me by Union bank ) . 
I called the Fraud number on XX/XX/XXXX to report that I had not only not purchased the item, but that I had never called to activate the card ending in XXXX or removed the sticker. 
I was told that this was a recurring charge and that they would start an investigation. 
I received another billing statement for the period XX/XX/XXXX to XX/XX/XXXX while the fraud investigation was ongoing for another {$5.00} ( Transaction date was XX/XX/XXXX ) plus the original charge of {$5.00} plus fees of {$7.00} ( this included a late fee of {$5.00} ) for a balance of {$19.00}. 
Since I was NOT SUPPOSED TO BE BILLED FOR ANY TRANSACTION INVOLVING REPORTED FRAUD, I assumed this was a billing error.I had received a letter dated XX/XX/XXXX ( see attachments ) stating that the fraud investigation was ongoing.However, I received a Union bank statement for the period of XX/XX/XXXX to XX/XX/XXXX for the {$19.00} plus fees charged of {$21.00} for a total of {$41.00}. 
The billing statement was for the new card that they had issued me ending in XXXXI never requested a replacement card, never phoned in to activate this card, and never took the sticker off this card.I have never used this card. 
I received a letter ( see attachments ), dated XX/XX/XXXX, from XXXX XXXX, stating that the charges involving the two fraudulent {$5.00} billings had been reversed. 
However, I then received a billing statement from XX/XX/XXXX to XX/XX/XXXX claiming that I still owed {$11.00}, of which {$9.00} was past due. 
I then realized that Union Bank does not know what they are doing and that they have extremely severe coordination problems that currently exist between their billing dept., fraud dept., sales dept., and loan dept.. 
Sincerely, 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 monetary relief
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from XXXX notifiying me of my current score which was obtained from Equifax. 
According to XXXX as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against Equifax in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from Equifax and it stated my current score was XXXX. I tried to reach out to XXXX and Equifax to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date XXXX has refused to look into the matter and provide an response or corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I sold my XXXX XXXX to XXXX. XXXX picked up the vehicle in XX/XX/2021. They had it for over 5 months and Toyota didnt make correct payment amounts. So Toyota kept billing me stating I owed them monthly payments even though my car was rightfully paid off from XXXX  and no longer in my possession. They reported 5 months worth of non payment. Sent my information for a repossession even though I didnt have the car. I contacted Toyota and they wouldnt help me citing it was my responsibility but they didnt communicate with XXXX  correctly about my balance due. This is not my responsibility once I dont own the car anymore. They need to remove those dings to my credit or I will seek legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I got a judgment on my credit report that said satisfied I have not paid it in full they have 15 days to tell the court they have not done so I will half to fax you the paper work my credit report shows XXXX that is not right thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion removed the inquires due to a glitch in their system and then reinserted the information. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MI 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 2017-05-01
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This issue was resolved several years ago by anot her Collection Agency.and my self.   This issue began on  XXXX   XXXX ,  XXXX  when someone, not me or anyone I know, impersonated me by going on  XXXX  and applying for a credit card with the last four digits of my Social Security number and a false email account. This was fraud.   With the last Collection Agency I had conversations with  XXXX , the Credit Card Company that uses  XXXX  home page.   I have been with  XXXX  and  XXXX  since  XXXX  and I have only used one email for both of these accounts. This email is "  XXXX  XXXX  XXXX  '' and the one used for this " Fraudulent purchase '' was  XXXX  XXXX  XXXX . I have never used or had an email with hotmail.   I had over 20 phone calls with the previous collection company, including  XXXX  and the Credit Card Company that issued credit in my name.   As I told the previou s Collection Agency, all th ey had to do was to ask the  Camera Company tha t shipped the merchandise, where did they ship it to. I guarantee that it wasnt to me or even in the State of Washington.   Everything was settled years ago, and I was reassured that it was Fraud and we were done with this ugly issue.   Now, I guess my previ ous Collection Agency " sold  '' my information on this claim to " Convergent Outsourcing ''  (   XXXX  #  XXXX   ) w hich are now calling me and my wife during work hours and I hate to have to go through weeks of badgering about consumer fraud. I believed this was  XXXX  red up years ago. Can you 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
Consumer complaint received 2015-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX, there is incompetent unproven sloppy blunders, concerning this ongoing issue with a criminal slumlord, that tried to scam and cheat me with worthless unrentable property. THE facts and irrefutable proof is with the City of XXXX, CA Code Inspections DEPT. Took XXXX days and XXXX visits to get this imbecile accountable. XXXX XXXX. This fraudulent and stupid blunder stating the injured party ( myself and my wife ) was evicted by a bias retired judge is criminal and punitive. I have rented XXXX years never been evicted. I do n't start now because I met XXXX trying to scam me and obvious retaliatory ( illegal ) eviction. This incompetent idiot on the bench was reported to the California assigned judges program, PLUS this disgraceful XXXX of justice is now at the California XXXX XXXX XXXX for review of incompetent jurisprudence/bias. emphasis added. I 'm sure these same sloppy blunders are in my wifes credit file also. XXXX XXXX ( ALL ) XXXX credit agencies. These are all harmful, negative blunders. Contempt without investigation is a TORT violation in california.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Source Receivables Management LLC
State: KS
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:
3-4 different collection companies have tried to collect this debt of {$2300.00}, that is not mine. I have disputed it and filled out fraud reports to the previous collection companies. Now it is back again. It is from XXXX. I do have a XXXX account that is mine and that I pay every month. This fraudulent debt has been put on my Credit a few times in the past 3 years. And I dispute it, and it goes away but comes back. I pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM REGIONAL ACCEPTANCE RECOVERY. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : REGIONAL ACCEPTANCE RECOVERY 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 2022-06-03
Company: Experian Information Solutions Inc.
State: OH
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 have have requested for the Credit Bureaus to comply with state and federal laws in regards to consumer credit and making sure that the information is accurate and the laws have been violated time and time again and i have attached my credit report with the laws and violations in order to get them corrected by having the items, removed, deleted, and purged from their records, files, including their databases by third parties which they own such as XXXX XXXX XXXX, and many others.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: VA
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 believe Experian unfairly decreased my credit score by XXXX points on XX/XX/2022 due to a XXXX balance on a recently closed student loan. This adverse action negatively affects my creditworthiness.

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 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a complaint regarding a creditor who placed an excessive amount on my credit for utility service. The city of XXXX provided me with a letter contradicting the creditor and stating it was done to over several other people. all three credit bureaus despite the letter, continue to keep this on my credit.

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 2022-06-03
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Credit Collection Services USA has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through XXXX XXXX, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Credit Collection Services XXXX on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX doing business as XXXX and Credit Collection Services USA is now civilly liable to pay me for the damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: DC
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 have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This bank lied to me when I called to report my credit card as lost stolen they said they tagged the charges as fraud and that Im not liable then a month later I get a letter of the claim being denied saying chip was entered I called them they said they filed the wrong Claim as nkt fraud so it was rebilled back to me they said they would fix this they never did I called the back BEVAUSE I got a statement showing a balance of {$850.00} when I had received my ne card and hadnt used it they never took care of the fraud charges and are billing me they said they would fix this mess and adjust my account its not fair they say we arent liable for fraud charges we dont authorize and then they submit the wrong Dispute and admit to me they made a mistake but they wont correct their mistake and I am being billed by their system reversing the adjustments they gave to me this is not fair

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 2020-12-31
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have The American Express SERVE Card That I received In 2019 for Tax Refund, First Stimulus Check and Anticipating The Next Stimulus Check to Be Loaded onto My Card Soon ; But My Account Had been Locked Because I typed the Password In Wrong Too Many times. I Called The XXXX number on the back that's SUPPOSED TO BE a XXXX Customer Service Call Center But It's just Had a Recording for 3 days That " They're NOT Available To Accept Calls At This Time '' and There's No Other Way to Receive Assistance in Unlocking My Account So I may Use My Card Again. Please Contact Me at your very earliest convenience!

Company response to consumer: Closed with non-monetary relief