BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: Byrider Franchising, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've notified this company, XXXX XXXXXXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CarMax, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/ my XXXX XXXX ending in... XXXX is charged with sending my payment of {$340.00} to CarMax Auto finance. Carmax did not post the XX/XX/XXXX payment and charged me a penalty for a late payment. They maintain they did not receive the payment I had to make the payment again. 
XXXX insist that they transmitted the monies to the bank for CarMaxAutoFinance and they provided a banking transmission number. ( See attachments ). CarMax will not acknowledge what happened to that banking transfer. I want CarMax to refund the monies or provide information to XXXX XXXX that they never received these moneys. Then XXXX XXXX can refund my money. Where is my {$340.00}? Who has my {$340.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: MD
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:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2023-11-03
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2023 I paid off my account with Citi Card XXXX in the amount of {$220.00}. This was an electronic transfer from my XXXXXXXX XXXX XXXX. 
My XX/XX/XXXX  statement showed no payment, so I paid it again, electronically. And called to report it. My XX/XX/2023 statement showed ( 2 ) credits. I used one credit on XX/XX/2023 and closed the account. In XXXX Citi Card debited my card stating they never received my XX/XX/XXXX  payment. And debited the card. 
I spoke to the disputes department and sent a statement from my bank showing I paid it twice, this included bank accounts, tracking numbers, dates and amounts. This was sent certified mail XX/XX/2023 Track # XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX, MO XXXX. The disputes department received the info but can not find the payment dispite the fact my bank did charge me for the transaction. 
To date Ciri Card has been unable to locate my payment dispite providing them with everything they have requested. 
Now, when I call, they are asking for everything I have already sent AGAIN! They acknowledge receiving my info but cant locate where my payment went?

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was terminated by CapitalOne for as they have stipulated " profanities '' with their customer service representatives. The card was canceled, and all debt was paid. 

However, they have an ad on the Internet for " no credit check, '' and I applied for another card with CapitalOne. I was a CapitalOne customer for about 25 years before I was canceled, and I have/had excellent credit ratings. 

I had asked them to cancel my request for another card, as they indeed did check my credit scores ( which lowers the values ), had sent emails to CapitalOne about several issues, tried calling them ( I wasn't a member, so I could not get through most of the time ), and eventually conceded to accepting the decision for the new card. I was approved, and after at least a month, received the card. In my emails and calls I made, I brought up the concern that CapitalOne has declined in it's customer service, and virality, such as by offering a card based and lying about the credit check. 

I recently canceled my card, as I was frustrated with more run arounds from customer service. 

Two days ago, I received these letters from CapitalOne. This is adding insult to injury I my opinion. I don't owe them a penny, never charged the new card, and find this very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MD
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:
I am writing to dispute Inquiries ( 7 total ) that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting act. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX  - XXXX XXXX XXXX XXXX XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XXXX XXXX XX/XX/XXXX 6. XXXX - XXXX XXXX XX/XX/XXXX 7. XXXX - XX/XX/XXXX See attachments for more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Although the Federal government raised interest rates recently ; CitiBank has, this month, raised my interest rate 1.5 % to 31.74 %. I originally received the card from DSNB who sold to CitiBank. My interest rate has nearly gone up a point every month since last XX/XX/XXXX. I have never missed a payment on the account since I received the account in XXXX ; I always pay the minimum plus several hundred dollars more. There is no rhyme or reason for the continued increase especially since there have been no interest rate increase in the last XXXX months. 

In the past when i have complained to Treasury Department ( before your agency was incepted ) ; CitiBank has retaliated against me by putting negative, erroneous information about me in the credit bureau. However, Treasury sent them several letters in both XXXX and XXXX that an investigation had been launched ; I never received an outcome but the information was laboredly corrected. 

No matter what I do to pay off these people they continue to hamper my being rid of them by raising interest rates for no apparent reason ( my credit score is XXXX ). To keep me paying them off ; they keep raising my interest rate. I pay the minimum plus {$200.00} every month how can my balance keep increasing when I am not using the card or patronizing Macys at all. 

When I called today and spoke to someone named XXXX, i was told that everyones interest rate increase by at lease 1.5 % and they do not negotiate a lower rate for anyone. 

How can they get away with this to try to keep Macys alive when people simply are not interested in continuing to get into this kind of overbearing debt?!! 

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 2023-10-16
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2019-06-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have notified Experian that they are continuously reporting incorrect information on numerous occasions. Each time I send a notice they are responding that the information has been updated. If the information was correct the first time how are constantly updating incorrect information. I have been attempting to have this information corrected since XX/XX/2019. I received a notice XX/XX/2019 the accounts were updated. I was expecting Experian to do the right thing and properly investigate these accounts in the 30 day window which include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although, Experian claimed they investigated these accounts I received notices in a span of 15 days, there is no way that any of these companies have responded to the verification in this short time. I am filing this complaint to hold Experian responsible for reporting inaccurate information. My most recent dispute was sent and received on XX/XX/2019 and a response was received on XX/XX/2019 that accounts again were updated. If they are at all reporting correct information why are these accounts constantly being updated with new 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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/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 2021-07-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a non interest paying promotional credit card loan in XXXX. Records show that I paid in full. After completing payment of the loan, I spoke to a Bank of America representative and stated that I did not want to renew my credit card due to the fact that they charged a fee. I received notice in XXXX of XXXX that I have a non payment charge against my credit from Bank of America. I called them in XX/XX/XXXX and stated that my credit card had been cancelled more than a year and a half ago. 
I never knew that Bank of America had reinstated my credit card. I had no idea until my credit card rating dropped XXXX. Bank of America is still billing me and adding non payment charges to my account. This is seriously egregious. They are a large banking institution and I am a peon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 the XXXX XXXX sent {$2000.00} to Chase Bank in my name ( COVID relief fund ). On XX/XX/2021 I initiated a bank transfer from Chase Bank to XXXX XXXX. Unfotunately, I entered an incorrect checking account number. After about a week when the {$2000.00} never hit my checking account I started following up on the transfer with Chase Bank. I corrected the checking account number on the Chase Bank record. Their escalation team could not help. I checked with the XXXX escalation team. They had no record of the transfer ever reaching XXXX XXXX. Both Chase Bank and XXXX XXXX asked me to check with the XXXX XXXX. The XXXX XXXX escalation team indicated the money was " deposited '' on XX/XX/2021. I think that translates to a transfer was initiated. 
I have had several conversations with the XXXX XXXX, Chase Bank and XXXX XXXX. None of them can " find '' my {$2000.00} and credit my account, or, give me the opportunity to correctly transfer the money. 
I have attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: MA
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:
My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX  XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit

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