vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
UN-AUTHORIZED INQUIRIES ACCOUNTS NAMES ADDRESSES AND TELEPHONE NUMBERS 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 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 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 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 explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
In XX/XX/2023 the balance on my car was {$280.00}. Previously I have been making monthly payments of XXXX. Today I saw {$440.00} had been deducted from my bank account, despite the remaining balance of only {$280.00}. I spoke with XXXX at Toyota Financial ( www.toyotafinancial.com ). She said because I had not cancelled my payment information I would continue to be charged {$440.00} every month, forever, even though I have paid the balance on my car. I had never before been told I needed to cancel my bank account to stop the automatic payments. I assumed the automatic payments would stop when the balance was paid, and that I would not be overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WLCC
State: TX

Complaint narrative:
I applied for a loan but never accepted it and therefore never received cash for the loan. Today the company called Explore Credit withdrew XXXX from my checking account and when I contacted them they claimed it was an error but apparently this is what the do. They said the would address it in due time. But others have been told the same with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In XXXX of 2023 I spoke with a rep from Santander Consumer Usa about the reason I fell behind.Which was due to a XXXX  XXXX which took me out of work for XXXX .I told her I needed to make a payment plan which would bring me up to date as I was just starting to get back to work.She told me she would be happy to help me with the issue.After discussing the options we agreed to XXXX for XXXX 2023,XXXX dollars for XXXX of 2023 and the last one would be for XXXX due XX/XX/XXXX 2023.Just received another statement in the mail charging me XXXX late fees.All my payments are done by phone and paid before the due date! When I call them back I get the same answer n nothing is resolved! Also I have spoken to them time and time again about late charges nothing changes! Also requested for them to stop calling my co signer because she doesnt pay my payment and they keep her

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: DC

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX Department to receive clarification on a rental balance from XXXX at XXXX XXXX XXXX. While speaking with the representative he mentioned there was a balance of XXXX for XXXX XXXX under XXXX XXXX, no account number was available for this account or other information and was instructed to XXXX the management company for contact information. Immediately I searched the web and found XXXX XXXX contact information. I made the phone call to XXXX XXXX on XX/XX/XXXX and was directed to contact via email XXXX and collection agency XXXX XXXX. Once I called XXXXIQ data that day with the balance reported to XXXX XXXX XXXX XXXX XXXX my name apartment location and year they werent able to locate me and said they will call me back. I then sent an email requesting information on balance and account number. I received a reply back from XXXX stating he had no account number but a balance of XXXX, which was different than XXXX  data. On XX/XX/XXXX I contacted XXXX /IQ data to inquiry on my previous call and gave the balance and my social security number, the year and name of the Apartments. The representative stated he had found the account with that balance, stated if I paid in full I can receive a deletion letter, I asked if there were any settlements available on the debt, he mentioned no and could assist with a hardship application that could help with services to assist me in the balance but I wouldnt receive a deletion letter. I was told the account didnt go to a collections company. He then told me in order to get the deletion letter I will have to pay XXXX I asked him how did the cost go up he said it was taxes and interest. I said I will call back and he attempted to keep me on the phone implyingI wouldnt want to end the call like this. It will be perceived as I dont want to pay the debt. I have nothing in writing from this company, the numbers arent accurate, thats why my attempts have been made to contact them as I am aware of money owed when I moved out in XXXX. There are to many discrepancies in the balance and unfairness and I am asking for this account to be deleted from my rental profile. The call was getting uncomfortable so and I hung up. He wanted to conduct a hardship application over the phone, then implied it would change anything. Just give me resources, I have never encountered or heard anything like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing this complaint to EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
hard inquires that I do not recognize on my Transunion and XXXX credit reports. 

XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
This is my 2nd complaint against USAA. I have been a long-time, good customer of USAA. Back in XXXX my XXXX XXXX XXXX college student daugter got sucked into a very unfortunate scam which caused us to loose over $ XXXX. As s result USAA put holds on all of our accounts, which was understandable at the time. But instead of helping us they have treated my entire family like we are the criminals. My daughter got scammed. I sent USAA a certified check for over {$10000.00} which they held for OVER A WEEK. That was over 3 weeks ago. They still have holds on all of our accounts. They are WHOLE and my son, my daughter, my ex-husband and I all need to get our money out of USAA so we can transaction busines with other banks. But they have all our accounts blocked so we can't transfer money. I talked to a XXXX with the office of the Preisdent on XXXX, but can not get her to call me back. My son who has NOTHING to do with his sister has $ XXXX he can not get out of USAA. Every time we call in NO ONE can seem to help us. USAA is holding all of our money hostage WEEKS after we made them whole. This has been a very stressful, expensive ordeal for our family and USAA has made it worse by not communicating with us and not letting us get our money transferred out and our accounts closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
This is the most difficult company I have ever had to work with. Unfortunately due to an accident I had two accounts open with Honda. One for the car that was in an accident to be paid off by the other persons insurance, and another for a new car I purchased to replace the one in an accident. I was unaware that the accounts were not linked. I made a payment towards the new car purchase. The payment was applied towards the wrong account that was in process of an insurance claim. Therefore my new account went past the 30 days and now shows as late on my credit report. No contact was made to me regarding the account. No warning that I was late. I would have paid immediately. The old account was paid off my insurance, the payment that was submitted incorrectly was returned to me. I called to advise of the error and was told to send a letter with the details to the credit department and they would most likely reverse the late mark since it was an error. They would respond via letter within 30 days. So I wrote a very specific letter, including dates, account numbers, amounts, ect. I sent the letter overnight and certified. They did receive the letter and signed for it the next day XX/XX/XXXX. I received a generic response with a form of them asking for the account number and my information on XX/XX/XXXX. All information that was provided in my original letter. I obliged and responded with the information requested. I again sent the letter overnight and certified. It was again received by them on XX/XX/XXXX. I have yet to hear anything back. I called today XX/XX/XXXX and waited on hold for 30 minutes plus. I spoke with XXXX who advised they do not show that the second letter was received. I provided him the tracking information with details as to who signed for the letter. I am unable to speak with a supervisor for 24/48 hours. Unacceptable. I am unable to speak with the credit department and they are unresponsive to my letter. Unacceptable. I understand that this was a simple error. However it needs to be corrected. I have never made a late payment and my credit was well over an XXXX score. Its completely unprofessional to ignore and be unresponsive to a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried numerous times with Equifax to get them to correct information on my report due to XXXX XXXX and despite all efforts Equifax still states that I need a victim determination document despite me sending them documents from numerous federal and state governments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Un-authorized inquiries, accounts, addresses, names and telephone numbers 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I noticed a fraudulent inquiry on my report from XXXXXXXX XXXX on XX/XX/2023. I called TransUnion to dispute the inquiry and they told me I needed to mail in a FTC report and a letter from XXXX XXXX  stating it was fraudulent. I sent in the letter and report on XX/XX/2023 & they say they did not receive it but based on their findings they would send a letter in the mail with the results in 5-7 days. I have not received anything in the mail so I called back and now they want me to upload the documents so I am in the process of doing that now.

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 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
TO Whome this may concern, predatory lender I loaned from them in XX/XX/2019 for {$3000.00} made payments each month totaling way over $ XXXX and they still say I owe {$3100.00}. This is insane highway armed robbery, they also mentioned account is being serviced by this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation