BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-05
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris and Harris is continuing to contact me about a debt ( XXXX ) owed by my insurance company to XXXX XXXX . We have had multiple conversations with all parties involved and the insurance company has agreed to pay XXXX and is working out some issues related to overbilling. Harris and Harris continues to call several times a week ( and sometimes several times a day ). They never leave a voicemail identifying themselves or why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX There should only be one address listed on my report, which is General Delivery XXXX WA XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) 1. XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : 1. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Kinum, Inc., Indianapolis, IN Branch
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( parent company XXXX XXXX XXXX. ) to seek diagnosis and treatment for XXXX XXXX symptoms. I filled out two intake forms, one electronic and one paper where I highlighted that Im experiencing XXXX symptoms. 

I am then told by the receptionist to step outside and schedule a XXXX  call with the doctor for health precautions. During this 30 second call, the doctor informs me that the center does not test or treat for XXXX so they wont be able to help me. I left the center with the expectation that since no service was provided, I will not be billed. Surely, the receptionist should have simply informed me that the center does not treat XXXX upon reading my intake form hence not required that I take the XXXX call. To my surprise, I received a letter in the mail a few weeks later from them stating I owe them {$110.00} for the 30 second XXXX call. 

I called them to inform them that this was an erroneous bill since no service was rendered however the hospital dismissed my claim and insisted I pay through their repeated billing mails. 

After months of repeated billing mail, they decided to escalate collection of this predatory bill to debt collection agency, Kinum. To my suprise, Kinum is now adding interest on the bill amount to further intimidate me into paying this predatory bill. I am writing to the CFPB requesting cancellation of this bill because of predatory billing practices from XXXX XXXX XXXX. as well as predatory debt collection practices from Kinum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX attempted to send money thru PayPal to friend that I knew XXXX XXXX for hospital costs for her mother. I had never used PayPal ever in my life. Over the three day period I had sent {$3100.00} thru PayPal in an attempt to pay for the hospital costs. 
Well XXXX XXXX never received the funds that I sent and the funds were NEVER returned to me. I had made numerous calls to PayPal for weeks and was never given a reason that the money was not sent to XXXX XXXX or returned to me. I have documents from PayPal showing each transaction that I had sent to PayPal the amount and the date and a description of the type of transaction made. After some time I had basically had given up which was a fault of mine. But PayPal never gave me an explanation to why they kept my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-06-09
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in my home since XX/XX/XXXX I went through first time home buyers program, home backed by fha, the originator of my loan is XXXX XXXX XXXX bank originated my loan and castle title closed. I did a fha streamline refinance in XXXX. I did that lower my mortgage insurance lower interest rate and mortgage payment. Did that with first home mortgage, I believed XXXX XXXX nothing would out side of what I mentioned would change. He is claiming that his company was the originator of my loan, I not once stopped sending payments to us bank. XXXX XXXX  attorney is using them in connection with my property, my signature has been forged on all the documents, I did not have an appraisal, not credit report, etc. XXXX XXXX  is lender and servicer. I don't know what to do, the fake documents from the court about my property, it is us bank vs mel the documents attached to paper is first home mortgage and account number that's not mine, XXXX XXXX law firm who is us bank lawyer is part of this. XXXX XXXX firm has somebody forging my name and the are falsifying documents. For the document they allege is from the court I did not go to court, did not agree to anything, but I receive a letter that says order 8s dismissing case with out prejudice and it says pleading being filed in the above referenced case. XXXX case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
CarMax Auto Attn : Customer Relations XXXX XXXX XXXX XXXX, GA XXXX Subject : Victim of Identity Theft - Unauthorized Auto Loan Application Dear Sir/Madam, I am writing this letter to bring to your attention a case of identity theft that has recently occurred and involves CarMax Auto. It has come to my attention that an individual has fraudulently attempted to open an automotive loan under my name without my knowledge or consent. This incident serves as a distressing reminder that such occurrences are not uncommon, as I have experienced similar fraudulent activities in the past. 

I want to express my disappointment and serious concern about the gross negligence that has allowed this fraudulent activity to take place. It is essential for CarMax Auto to prioritize the protection of its customers ' personal information and financial well-being. As a reputable automotive company, I would expect CarMax Auto to implement stringent security measures to ensure the prevention of identity theft-related issues and unauthorized loan applications. 

Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( XXXX ), I have the legal right to be protected from fraudulent activities and to have inaccurately reported information promptly corrected. I kindly request that CarMax Auto takes immediate steps to rectify this situation by : 1. Conducting an investigation into the fraudulent auto loan application that has been made in my name ; 2. Removing the unauthorized loan application from my credit report, preventing any negative impact on my creditworthiness ; and 3. Strengthening security protocols and procedures to safeguard customers ' personal information and prevent identity theft in the future.

I believe that CarMax Auto recognizes the seriousness of identity theft and its implications. I have already taken proactive steps to report this incident to the Federal Trade Commission ( FTC ), and I intend to cooperate fully in their investigation.

I urge you to rectify this situation without any further delay, as the damage caused by identity theft can be extensive and long-lasting. I trust that CarMax Auto will handle this matter promptly and responsibly, demonstrating its commitment to protecting its customers ' financial interests.

Should you require any additional information or documentation from me to facilitate the resolution of this matter, please do not hesitate to contact me at the phone number or email address provided above. 

I will eagerly await your prompt response and the actions taken to rectify this unfortunate situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of 2022 I opened a small business credit card that offer a {$300.00} promotional credit after 60 days of spending {$3000.00}. I fulfilled the requirements and waited an additional 30 days for my credit. After two calls over the past few months and requesting Bank of America to investigate my issue I finally spoke with XXXX XXXX XXXX of Small Business Department in California today XXXX XXXX. I was told that this does not apply to unsecured cards but this was never detailed in the promotion. This along with constant erroneous charged fees ( {$12.00} ) on my personal accounts with Bank of America has promoted me to reach out today. I don't understand how a bank is able to operate with consumers affairs so carelessly and not be held accountable.

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 2023-09-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a new card and received it in the mail and activated it. As I was attempting to add the card to XXXX XXXX as it requests in the app as part of the setup steps it asked to verify by sending a text to the phone number on file. I selected that option and never received the text. I tried to have them call and never received the call. I then called in to have them add the card to XXXX XXXX where they requested to call a landline which I dont have a landline to receive the code. They asked to call back later to get a verification code which I did and they called me back on my same number using call waiting and added it to XXXX XXXX. The representative said the card was unlocked and the fraud block lifted. After making a couple purchases on the card it got marked with a fraud alert again. I called back in and they asked if I had another bank account with citi I could verify with as well as a bank account I use to pay Citi which I did not have added yet. The only resolution has been to send a letter to my mailing address which will take 4-7 or 7-10 business days depending on which Citi rep you are talking to. They are preventing me from using my card as agreed on and they have not been able to tell me at all why the card was flagged as they were normal purchases they asked about and now the fraud block requires a different verification. The citi fraud team has been entirely unhelpful and the methods of verification dont have anything to do with my identity another landline apart from the number I applied for the account with shouldnt be the only alternate route to verify and I can provide ID background info etc but they are not consistent with the options I have to verify from one call to the next. I have requested a supervisor and it has been a terrible experience so far working with them. Part of the reason I applied for the card is due to the bonus miles from using the card but I am unable to spend on the card to achieve the bonus without access to my actual card so it feels a lot like a bait and switch so far. 

My ideal resolution to this would be that they are able to verify my identity so I can use the card and not wait for verification through mail in 7-10 business days when I just received the card to the same mailing address within the last 3 days so another piece of mail sent just proves I am at that address recieving mail but I obviously am if I have the card in my possession and activated it when they sent it to that address.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Credit Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX ( Account ID # XXXX ) have 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 fumish a account without my written instructions.

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 2023-06-09
Company: ALLY FINANCIAL INC.
State: TN
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:
I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. Ally place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act, All information must be XXXX percent accurate on my report. 

The credit bureaus stated that my account was properly investigated but that cant be possible. They have failed to provide sufficient proof of verification of these accounts. The Date last active is inaccurate. The Original Payment amount is inaccurate. The Name and Address is also inaccurate. I was told the Agencies could not update my information due to the fact that these additional Alias name variations and addresses were still reporting inaccurate personal information on me. This is a violation of my consumer rights according to the FCRA. 


XX/XX/2023

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$490.00} XXXXXXXX XXXX XXXXXX/XX/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 2020-03-07
Company: Account Resolution Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX HOSPITAL has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of {$150.00} ACCOUNT RESOLUTION C has a negative impact on my credit for the amount of {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I filed bk when my son got sick and I needed medication to keep him alive. I did not pay on the 2nd mortgage only on the first. The second mortgage raised the interest rate and I can not pay the higher amount. 

I asked for a modification and I was denied. I want to keep my home.

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 2022-09-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: WY
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:
AMERICA FIRST CREDIT U Inquired on XX/XX/2022 Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Discriminated against my personal profile which is written out in my attached Document. They also unlawfully refused me credit and Unlawfully used my Credit Card aka XXXX card and placed an Unlawful Hard Inquiry attached on page XXXX as proof on my Credit Profile Unlawful Violations include : 15 USC 1691c and is pursuant to civil liability under 15. USC 1692K. Also 15 US code 1642. USC 1681m. And 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my Social Security number ( Credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( of credit card ) of America First Credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: SC
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 
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