BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I called the number on my statement 3 times. The first 2 times, there was no one available to answer my questions. I asked for someone to call me back and that never happened. The phone is answered by people who seem young and uneducated as to the nature of their job. I know companies these days like to hire young inexperienced people who they don't have to pay. So maybe that's why. I remember when companies had integrity, What a shame. 
Yesterday, XX/XX/2021, I spoke with a woman named XXXX who ended up hanging up on me while I grew increasingly frustrated by her non-sequitur answers after being on hold for 20 minutes, waiting for what ended up being not only NO help but further stress and confusion. She did not know if extra payments were applied to principal or interest. " It depends '' was her answer and she seemed to suggest that a few late payments were responsible. I had handled those late fees by phone when they happened. I'm sure a few late days did not eat {$900.00} The issue : Additional payments were made on my account totaling {$900.00}. Nevertheless, I still owe the full payment as if I made no additional payments over the course of the loan. I only have 2 months left on the 60-month loan and when I re-calculated an amortization schedule, It shows that I owe next to nothing ( {$5.00} ) for the last 2 months, which makes more sense than the balance shown on my statement owed- which is {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I initially had XXXX Wells Fargo XXXX XXXX Rewards in my account. I decided to " cash out '' my points in the form of gift cards. I've attached an email from Wells Fargo that shows that I purchased gift cards for : XXXX for {$250.00}, XXXX XXXX XXXX XXXX for {$100.00}, XXXX # 1 for {$100.00}, XXXX # 2 for {$25.00}, and XXXX XXXX  for {$25.00}. 

On XX/XX/2021 I discovered that I had issues with ALL the gift cards : {$25.00} XXXX XXXX  : eGift card was never delivered or emailed to me {$250.00} XXXX : There were XXXX funds on the gift card {$100.00} XXXX XXXX XXXX XXXX : There were XXXX funds on the gift card {$100.00} XXXX # 1 : There were XXXX funds on the gift card {$25.00} XXXX # 2 : There were XXXX funds on the gift card. 

I attempted to speak to customer service representatives more than three times on XX/XX/2021 and none were able to solve the issues listed. 

I've also attached the gift card numbers which one can look to see the history that the gift cards were never loaded with the allotted amount. I've also attached a confirmation email from Wells Fargo and also a points statement that shows XXXX Wells Fargo XXXX XXXX Rewards being removed from my account to purchase the gift cards and the confirmation receipt email from Wells Fargo that shows the purchased gift cards. I don't understand why Wells Fargo would treat a customer like this ; deplorable.

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 2022-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: FL
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:
According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inagcurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
Unbelievable that the bureau are getting away with this. 

Remove accounts listed below immediately off of credit Report : 1XXXX XXXX- XXXX XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : XXXX. XXXX inaccurate late payment statuses reporting on my credit XXXX report. 
XXXX. XXXX inaccurate late payment status reporting on my credit Transunion report. 
XXXX. XXXX inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.

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 2020-03-18
Company: Experian Information Solutions Inc.
State: MD
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:
Still no response from other 2 open cases. XXXX responded and upon their investigation the information was fraudulent and they removed from my report. Experian and XXXX  said they use the same data furnisher ( XXXX ). They don't have a file for me. I am going to contact a FCRA attorney. This is effecting me emotionally and financially. XXXX still have XXXX. I reached out to them directly. They have no valid proof. XXXX  have over 10 fraudulent items on my report and 4 duplicate accounts. Experian have 3 accounts that are fraudulent! This is a Violation of my rights per the FCRA AND FDCPA!

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently checked my TransUnion credit report and discovered 5 inquiries that were unauthorized. Many of them seem to be duplicates. I reached out to both the account holders and TransUnion. The creditors claim to have no information of the additional inquiries and TransUnion refuses to review the accounts/inquiries for accuracy. I have contacted TransUnion 4 times with regard to this matter with not satisfaction. I feel these inaccurately reporting inquiries are harming my credit report and my chances of getting additional credit in the future. I would ask that your agency investigate TransUnion for unfair and illegal reporting practices.

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 2021-06-02
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid everything that I owed to the state. I checked my credit report and see that I owe {$120.00} however I was never sent a notice or contacted about this debt. It was just placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # 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 explanation
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Not sure that the options selected really fit this scenario but they were the best fit based on what was available. I have a Southwest Airlines rewards card with Chase. The card was opened a few years ago with a {$9000.00} limit. In the previous year I did maintain a balance near that limit. In recent weeks I have been paying off credit card balances including this one. I paid it down to XXXX in one lump payment. There has not been a major change in my credit score or report. No defaults, no slow pays, etc. I believed that I was doing the right thing by paying balances down. I am actually on track to clear all credit card debt in the next 4 weeks. I have made some purchased on this card since returning to s XXXX balance but using a new practice of paying those off every 30 days. Chase reduced my limit this morning by more than 50 %. I know that this is their right, but this was done without repayment being an issue ( no slow pays on this account ) that can be verified on my credit report ) and I would argue evidence of lower risk since I just paid the entire card off. My real complaint here is that has a negative impact on my credit. As I am paying cards down and off and reducing % of credit used this move by Chase has negatively impacted that and I know that I will see my score decrease a bit in coming days by no action of my own. They also did this recently to my wife. We have not experienced this with any other creditor. I could see this action if there had been negative activity on the account or a significant change in credit score. This appears to be penalizing me for reducing my balance, therefore reducing the interest that I am paying. I just wanted to raise this question because this feels like a practice that hurts the consumer. That being said, I know that I do have the option of closing that account and taking business elsewhere. But that also has an impact and I am not unhappy with the most of what this account provides. This practice is just negative in my view because I am being penalized for doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: IL
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. 
You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. 
Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. 
According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete. 
IMPORTANT : This credit inquiry is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) My FTC Report is attached the report number is XXXX  I know your company needs some sort of verification to prove my identity. My information is clearly shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: PNC Bank N.A.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX or XX/XX/XXXX I paid {$100.00} on my line of credit at PNC bank by transferring it from my PNC checking account through their on-line system. My overdraft shows a payment of {$100.00} on XX/XX/XXXX. On XX/XX/XXXX, I check came through my checking account that resulted in an overdraft of approx. {$13.00}. I was then charged an overdraft fee of {$36.00} even though I had made a interbank transfer of funds and it was received 2 days before the overdraft occurred. I believe that this violated both the fund availability policy which allows both cash ( available immediately ) and the first {$200.00} of a deposit to be available the next business day ( so XX/XX/XXXX ). In addition, this action further violated 12 CFR 205.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-05-03
Company: Experian Information Solutions Inc.
State: CA
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:
After the mortgage account transferred from XXXX Mortgage to XXXX, my payments were set up on a bi-weekly schedule and XXXX 's automated system was incorrectly applying the automatic payments made from my bank to principal, instead of regularly scheduled XXXX XXXX XXXX payments. I made several calls to XXXX requesting correction, in fact in 2019, I had to make these calls every month and they were still unable to correct mis-application of my payments until two " missing '' payments were reported to the credit bureaus. After numerous requests to correct this issue and XXXX representatives ' admission this was a systematic error, my credit report still shows payments made on time that were misapplied as " missing '' payments. Please help addressing this issue, as it is the ONLY negative mark on my extensive credit history in the past 30+ years.

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 2022-12-12
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied an extension of credit from Discover which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 12 CFR 1002.4 General rules.

( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.

15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. 
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, Equifax, and XXXX to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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:
Can someone assist me? I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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