BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car from Toyota with Toyota Financial Services providing the funding. At the end of the lease I turned in the car, confirmed all XXXX payments had been made and was told via their customer service line that, despite the webpage showing another payment was due in one month, I would not be charged as I had complete all of my obligations. However, one month later the payment was taken from my checking account. I called the customer service line again, they agreed to refund the money via a check ( meaning I 'd have to wait a week or more to have my money back ), but that the error was mine not theirs. The customer service representative said that it was my fault this occurred because I did not login to the website and direct them to not take any further payments. The customer service representative told me I should have been provided a prompt when I accessed the webpage, but I did not and the previous customer service representative did not say I needed to perform any such action. In my opinion this is stealing and Toyota Financial Services profits off of people who may not manage their checking account as closely as I do. Once the obligation of the consumer is completed I believe the lender also has an obligation to ensure the consumer is protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have applied for a mortgage refinance. My credit scores on XXXX and XXXX are excellent in the mid XXXX 's. There is a credit freeze on the Equifax system. So far I have been unable to have this removed as they either will not or can not send me some XXXX digit code. I 've written to them, sent the money and have scanned all their on line info. All their phones are automated. Today I received an automated message advising I had no credit file. I need the freeze released permanently as my rate lock will expire. I have been working on this issue since XX/XX/XXXX. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
EQUIFAX NEEDS TO UNBLOCK MY CREDIT REPORT FILE OR FIX MY CREDIT FILE. I APPLIED FOR A LOAN AND THE CREDITOR WAS UNABLE TO GET A REPORT FROM EQUIFAX. THEY NEED TO FIX THIS ISSUE THAT HAS HAPPENED MANY TIMES BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a PayPal debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called PayPal to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the PayPal representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( XXXX XXXX XXXX, XXXX. ) with respect to amounts owed to PayPal relating to the fraudulently opened account.

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 2021-11-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM XXXX  Balance {$710.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.

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 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have some collection removed from my file in XXXX 2017,  then after awhile I look at XXXX and Trans Union and they were back on my file.

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 2020-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Chase tried to take an unauthorized payment for my Chase cc from an account they were not authorized to use ... was authorized in the system for XXXX ( I only get paid once a month, at the beginning of the month ) from an external account. Payment is not due until the XXXX of the month, but I like to pay my payments early. 
They charged {$27.00} returned payment fee to the cc XX/XX/XXXX for the above mentioned transaction. Almost a month later? No, not right! Coincidentally I filed my first complaint against them XX/XX/XXXX. 
Chase must be going bankrupt trying to steal from me as many ways and times as they have been. 
Their customer service, on line systems and customer service is in the toilet and has been since the beginning of the year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian investigated the original dispute in XX/XX/2019 and removed XXXX from the credit report as shown in my credit file. Experian then allowed XXXX without valid or legal proof to put the derogatory account back on my account. The other 2 Bureaus XXXX XXXX XXXX  deleted XXXX XXXX from their bureaus. Experian failed to ask me to provide documentation and proof that XXXX XXXX was fraudulently put back on my Experian Credit File. In fact Experian failed to provide me the documentation XXXX XXXX provided to Experian showing the account is valid.

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 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to file a complaint against XXXX, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX  has flagged your account as Not more tha n two pa yments past due ( 2 ).   Alert Type : Potentially Negative Found On :    XXXX   XXXX   XXXX   Potentially Negative Alerts notify you when one of your accounts has reported information that may ne gatively impact your credit score.     Balance spoke to  XXXX  last payment made- way  XXXX    XXXX  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who  I relayed my request for resolution! I finally Reached  XXXX  - a  Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue

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 2021-10-29
Company: National Credit Systems,Inc.
State: NC
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 left my wallet in my car and it had got stolen, recently I have noticed that there was some unauthorize charges on the account when I went to check on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close XXXX XXXX XXXX XXXX XXXX XXXX XXXX has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to XXXX she confirmed I was paid through XXXX. I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus. <P/>Not more than two payments past due ( 2 ) - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has flagged your account as Not more than two payments past due ( 2 ). Alert Type : Potentially Negative Found On :XX/XX/XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. <P/>Balance spoke to XXXX last payment made- way XX/XX/XXXX. Paid up through XX/XX/XXXX. Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who I relayed my request for resolution! I finally Reached XXXX a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

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 2020-04-13
Company: EQUIFAX, INC.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are open under my name and social. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$460.00} DEPTEDXXXX XXXX {$4900.00} USDOE/XXXXXXXX   XXXX {$11000.00} XXXX/XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Valor Intelligent Processing, LLC
State: TX
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:
I Consumer Dye did not authorize a consumer credit transaction with between VALOR INTELLIGENT PROCESSING , LLC and myself. VALOR INTELLIGENT PROCESSING , LLC has falsely accused me of entering into a fraudulent contract with their company. VALOR INTELLIGENT PROCESSING , LLC has violated 15 U.S.C. 1692b ( 2 ) of the FDCPA multiple times as well as,15 U.S.C . 1692b ( 5 ) of the FDCPA multiple times. 15 U.S.C. 1692b ( 2 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 U.S.C. 1692b ( 5 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I found a problem on my report and asked for an investigation of the charges. They said I could n't use the report number I had because of security issues. I asked for my annual report and they said I had received it. Yet they refused to let me use the number because they have been upgrading security issues they have experienced. Can you please help me get a report with a number they can use?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.

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 2015-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: SCV Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has been manually updating my credit report as part of numerous disputes of inaccurate data and credit reporting. There are over XXXX complaints through this portal alone. 

I attest that I am XXXX XXXX, and the owner of all verbiage in this complaint. I do NOT agree to have this complaint dismissed through this portal, as this is part of the trend of inaccuracies I am being forced to identify and remedy. 

The XXXX - Lost Stolen Card account is now incomplete. FCRA - states that such an inaccuracy must be deleted. 

Account is not complete, and therefore is inaccurate, Equifax updated this account manually. 
No Account owner is listed No Terms The Type of Account is inaccurate - and is now blank High Credit has been orphaned - and is now blank Credit limit is not correct - its now now blank Activity Designator must say closed, and it does NOT, for a lost or stolen card The Payment History - has been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account listed on my credit profile that is not accurate. I have contacted the company that is listed which has stated that they informed all Credit Reporting Agencies to remove this item & they have not verified this account as reporting correctly to Equifax. I have sent Equifax numerous letters to remove this account & they continue to report false information on my credit report. All of the other Credit Reporting Agencies have removed this account except Equifax, who continues to break the law by reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation