BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Around the middle of XX/XX/XXXX I acquired a vehicle in a consumer credit transaction through XXXX XXXX Mazda and Mazda Financial Services ( also Toyota Motor Credit Corporation ). I asked quite a few questions about my rights as a consumer but I was basically told they do not exist. I never received full disclosure among other things such as no documents to rescind the contract nor the fact that I had the ability. Furthermore, the documents actually say there is " no cooling off period '' which violates rescission in federal law, and as such I was never told I have 3 years to do so. 

Around XX/XX/XXXX I mailed by certified mail, a debt validation letter to Mazda Financial/Toyota Motor Credit ( attached ). They responded on XX/XX/XXXX that the debt validation letter was a " fraudulent form of payment '' and threatened legal and physical actions against my property. 

On XX/XX/XXXX they then sent a cease and desist of their own volition saying the would " cease all communications regarding the account ''. They lied, and sent another bill the next month ( attached ). 
AFTER THE 30 DAY WINDOW FOR VALIDATION I NEVER SO MUCH AS RECEIVED A WORD REGARDING IT. I EVEN CALLED, THEY LIED SAID THEY SENT IT, AND SENT ANOTHER ONE THAT DAY PER MY REQUEST ( late XXXX ). I NEVER RECEIVED THAT ONE EITHER. They continued to attempt to collect the " debt '' during the validation period/dispute and continue to do so. 

They were also " assigned '' the " debt '' which was never properly disclosed to me either, nor did i receive any consideration for my signature. Assignment is for Creditors in bankruptcy, and Debt collectors and creditors must be the same person as well.

Mazda continues to collect a debt illegally, continues to violate their own cease and desist, and can not and has not validated the debt they claim I owe after more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This information is incorrect, fraud, please delete this information. all inquiries is fraud. 
THIS INFORMATION IS INCORRECT IS FRAUD DELETED INFORMATION PLEASE. LEASE END 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
Columbia Debt recovery posted a collections account to my credit report in XXXX. I immediately disputed it with my credit bureau XXXX and filed a a police report with XXXX XXXX XXXX office. The police report number is XXXX their phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card from Truist Bank and I was denied due to what I believe was clear discrimination against me the adverse action taken against me has cause me XXXX and XXXX XXXX I operated in good faith and was discriminated against as well as my federal protections under numerous federal laws were clealy violated

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 2022-11-17
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
On XX/XX/2022, I called American Express to inquire about canceling my card because I was unhappy with the benefits and customer service. The representative informed me that I had already paid my annual fee. I explained that, in that case, Ill keep my account open and requested a new card to be sent to my mailing address since my card had expired a few months back. The representative took down my new mailing address and informed me that the card would be delivered between XXXX XXXX XXXX 

Days passed and I did not receive my card. On XX/XX/2022, I called back and spoke to a XXXX named XXXX from XXXX XXXX. XXXX told me that I didnt receive my card because I closed my account. I told him that I did not consent to my account being closed. He said that on XX/XX/2022, I requested for the account to be closed through their automated machine. XXXX explained that, even though I continued by speaking with a representative, my account had closed because I requested to close my account. I told him that I did not confirm any closure of my account and I only requested to speak to a representative to discuss closing my account. XXXX said he would look into the complaint and call me back in three days. He specifically said he would look into whether it was my fault the account was closed or if it was a Company mistake. He assured me that he would call back and I should not call. He never called back. 

On XX/XX/2022, I called American Express and spoke to a different representative. The Representative said that my account had been closed and there was nothing that could be done. The Representative said that the internal notes indicated that there was an investigation and the account had closed because I requested it to the automated service. There was no detail she could provide me. I kept asking her what the details of the investigation was and she had none. Because I closed my account through the automated service, it wasnt American Expresss fault and I would have to pay a fee to reinstate my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Like I said I my last report I ended up paying XXXX different scammers using cash app because was trying to buy a particular vehicle that was being advertised on the XXXX platform. When I realized that I had been scammed I reported the individuals and reported their accounts and all cash told me was the transactions has been completed and its nothing they could do. Im reporting Cash app for the second time because they denied my request and they trying to get out of refunding my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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: Information belongs to someone else

Complaint:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been calling Mary Jane Elliott office to get information and proof of the debt Im being told I owe but Im getting voting. I have called them for over 5 years. Every year I get my taxes garnished and Im told there is nothing I can do about it unless I pay off the debit but I was told from the company the debit is from years ago that they debt wasnt owed. Im not getting sent any proof of date or payment history when asked and was finally told I can dispute it. I asked for some confirmation and they told me I couldnt get it and wouldnt receive a follow up call. All they will do is let the lawyer know I want to dispute it and thats all that will happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have spent more than 10 hours on hold with Mohela over the past month. I have tried to use their self-service site, but have not received the information I need. The website says that I have a payment due on XX/XX/2023However, I have also received a letter from Mohela that says my loan is in administrative forbearance. These XXXX things seem to conflict and I want to confirm if I have a payment due on XX/XX/23. 

I have also submitted a request to change my repayment plan. 

I can not get through to Mohela and worry if I will get accurate information ahead ofXX/XX/23.

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 2023-01-31
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MY COMPLAINT IS ABOUT XXXXANCE AND HUFFMAN I DID A COMPALIN ALREADY BUT THE CFPB FAILED TO PROTECT ME BECAUSE VANCE AND HUFFMAN VIOLATE MY RIGHT AND DAMAGED MY CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Account reporting incorrect information. Incorrect payment history. Please have this removed right away. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : XXXX and LexisNexis-Attached you XXXX find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXX  Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every XXXX of these XXXX accounts. You should read this Complaint as if they are addressed to XXXX and LexisNexis requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXX versus XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX  XXXX XXXX cases as Claimant against Respondents XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially XXXX XXXX XXXX violation of the XXXX XX/XX/XXXX advisory by CFPB XXXX XXXX XXXX XXXX Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Wayfair Credit Card was open in my name on XX/XX/2022. I was unaware until I heard from Wayfair saying that they suspected fraudulent activity. I promptly had the account closed but there was already a {$3200.00} balance on the card. The company ( Citibank ) open an investigation and declared it closed without asking for any additional information info ( other than my DL number ). I called back and it was reopened and then declared closed day later without any remarks. I called back last week and I am currently in the process of filing a police report and providing a copy of my license and bank statement per their request to have it reopened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, XXXX, and Transunion regarding the reporting of late payments. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXX - XXXX Account XXXX XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX  ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # 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 2023-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account bankruptcy, XXXX  XXXX discharge.. XXXX Account XXXX XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # XXXX. Account XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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