BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Back in XXXX or XXXX I was going through a divorce where it was decided my ex-husband would pay this payment until divorce was final. I woke up one morning and car was gone, he ended up not paying for a month or two and I had not received any proper notice and the car was picked up by Toyota. I called and promptly paid the past due amount and all legal fees involved and paid off the car the following year when I traded it on another Toyota. 
I find it disturbing that I was not properly notified and I paid the debt within hours, and even financed another car through their firm and they are keeping this blemish on my credit report and are unwilling to remove the item even though it was more than 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: American Coradius International LLC
State: PA
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:
Received a letter stating I owe to XXXX which doesn't make any sense since I have a credit and my account is attached to several forms of payment. This is obviously a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was a Macy 's customer For over 25 years. I never paid a late payment and Macy 's is more than welcome to check my account history for the past 25 years. In 2019 My social security Bank account ID card will end all my mail for 6 months or stolen that was delivered by XXXX and left in front of my house. My address was changed to an XXXX XXXX address which I've been a resident of XXXX California for the past 40 years. I have a police report on file with the city of XXXX for this incident. As a result of identity theft my XXXX account was also hacked and I had my Macy 's account on auto Pay. XXXX XXXX XXXX Bank and Macy 's both failed to notify me that The payment was not being paid. I was unaware of the situation and I was sure since I had money in my account there would be no problem with the payment. Macy 's never called me about my account not being paid, which is no fault of mine.Macy 's is fully responsible for the delinquency of my account and they also reported it to the credit bureaus and right now my account is in XXXX with Citibank collection. I ced three times today and the representative could not hear what I was saying because of their bad connection. This is horrible customer service.This is another example of bad customer service that we can not even hear the representative. Macy 's has been damaging my credit for the past two and a half years.

For a payment of {$29.00} I'm not able to purchase a car because of the late that will put on my credit report by Macy 's.

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 2018-05-29
Company: CITIBANK, N.A.
State: MI
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 client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with XXXX XXXX. An official dispute of this action was sent to XXXX XXXX XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with Sears/CBNA XX/XX/XXXX and the official dispute of this was sent to CBNA XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.

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 2015-06-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least XXXX with all XXXX. 

XXXX. Through Experience XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
XXXX. On XXXX Reports in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX Reported is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment XXXX/Equifax - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XXXX XXXX, 2016 and one on XXXX XXXX, 2016. It 's been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XXXX6. XXXX XXXX GA - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I know nothing about about this account. I have never received a call, email, letter in the mail, nada. One day I checked my credit report and there it was. No one has or can provide information that the debt actually belongs to me ( because it doesn't ). 

I have no documents because I never signed up for this account I have Disputed this to all three credit agencies. 
XXXX states they verified but has not provided proof it is my debt. 
XXXX doesn't have it on my report XXXX does and I have disputed This is the company : MOUNTAIN RUN SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX I have NEVER had XXXX for any of my homes I have ever lived in I want this cleared off my report ASAP

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX a " paid coll '' XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by by these credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: AZ
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 retrieve my credit report or credit score due to wrong personal information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a Lexus XXXX Leased vehicle to the local Retail Dealership. They sent the car to Lexus Financial Services who mailed me an Invoice date d XXXX/XXXX/16, for excessive wear & tear on the vehicle for {$980.00}. In addition, they continued to charge my checking account after I returned the vehicle for another {$590.00} payment. I have called them 7 times requesting a report, my account to be reviewed as there was no damage. They

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: GA
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:
To whom is may concern I consumer did not give Equifax any written consent to place any information onto my credit report. The law clearly states that if there is no permissible purpose you cant place any information on a consumer report without the consent of the consumer. According to 15 usc 1681b, 15 U.S. Code 1681b - Permissible purposes of consumer reports : 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. This is clearly a violation and the information needs to be removed immediately within 24 hours. If a law says, as citizens and companies the law shall stand in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
The company failed to cancel our card when I returned them along with a letter stating we are ending our relationship. The account continued to receive charges that were not ours and when we informed Capital One they sent us a letter stating that all erroneous charges were reversed and we were made whole. The same day we received the letter we received our monthly statement via the internet and all the erroneous charges were back. After we returned our cards we received a credit for a purchase we returned and we are due a refund from Capital One. About XX/XX/2021 I mailed a schedule setting forth how I arrived at the amount we are due. The schedule was mailed to Capital Ones Customer Advocacy Office in XX/XX/XXXX, Va. and Capital One has never responded to this letter. 
To make matters worse Capital One continues to leave messages for me to return calls and when I do they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday XX/XX/XXXX, I requested a wire transfer to a bank in the XXXX. That process required me to stop, twice, and enter a code that was texted to me. At the conclusion of that process, I received a receipt confirming that the wire had been successfully initiated. 

On Sunday, about XXXX XXXX  I received an email- [ NO PHONE CONTACT WAS ATTEMPTED ON EITHER MY LANDLINE OR MY CELL ], telling me that there were problems with the wire, and to contact an office that was closed, and would remain closed until the next business day. I immediately tried to go online to connect with the Fraud Unit, only to discover that BofA had LOCKED ME OUT OF MY ACCOUNT. 

I have been a customer of BoA for 25 years, I have run millions -MILLIONS of dollars through the bank, and in an instant, they have destroyed any trust I had in the bank. What if I were in XXXX, in an ER and needed access to my account? What If I needed to get funds to my child on an emergent basis? These careless, thoughtless actions have real consequences, and if their teams don't understand that they need to immediately and completely reconfigure their training. 

I invite you to listen to the Sunday call, and the call I just concluded on Monday with their Customer Service team for details, and to get just a glimmer of how deeply upset I am with BoA. Not just for the wire, although it seems they rejected it for unspecified reasons, but for allowing an associate, who did not even attempt to call me, to be able to lock me out of my account without any supervisory review, at all. And that BoA apparently does not allow customers 24/7 access to their fraud unit. That is patently ridiculous for a global banking institution.

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 2021-05-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have notified Experian several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never lived on XXXX and I never filed bankruptcy or event attempt to file bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Items are being removed from my credit report but it is not impacting my score in a positive way. I just had a big thing as a collection item from XXXX removed and transunion decreased my score by XXXX????? XXXX increased the number as it should be. 
There is disparity with their numbers and XXXX by XXXX points and they have the same number of accounts. I try to dispute and their customer service is rude and never listens. When I report to you, i did once before i feel like they take adverse action on my account.This has been going on since I reported them to you. All they have done is decrease my numbers no matter what is removed. 
I need them to just do the right thing and not be mad. its not personal to them it is to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion reinstated a previously deleted account that was not mine. The account was previously deleted by the collection agency. Transunion refuses to do a serious investigation on this account and this is ruining my credit preventing me from buying a new car. I am attaching note from collection agency saying they were going to delete account. The account was for XXXX and the original creditor was XXXX XXXX XXXX for the amount of {$66.00}. If they look in their files they will find that exact account reported last year and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation