BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX I contacted Transunion about unrecognized inquiries that were made on my credit profile. They were very rude, and kept telling me to contact the " Original Creditors ''. After 10 minutes of trying to explain myself, I finally got to tell the representative that I had previously contacted the creditors, & they told me " Contact the Credit Bureau ''. Credit Agencies are required to report ONLY accurate & verified information. The inquiries are NOT accurate, nor verified.

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 2023-06-12
Company: Atlanticus Services Corporation
State: WA
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:
In accordance with the Fair Credit Reporting Act, this creditor, Fortiva, has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased the vehicle from car max in XX/XX/2021, the paper work like the title is still not registered to me and it has been over a year. I cant get a tag in my name because the car isnt registered to me but I have been making payments for over a year. Car max wants me to return the car in order to re do the paper work and that doesnt make any sense when I have already did the credit check, put a {$4000.00} down payment and now they car telling me I will have to do car buying process all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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: Account information incorrect

Complaint:
I asked Transunion to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-07-18
Company: EQUIFAX, INC.
State: GA
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:
STUDENT LOANS ARE NO LONGER WITH XXXX  PER XXXX  ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Capital one auto finance has repossession my vehicle yesterday XX/XX/2023 for non payment. 

Capital one auto finance got a warranty refunds and was directed to apply it towards the full balance and they failed to comply. 

I also directed that refund to be applied towards the balance and it was not. I am finding out right now what it takes to get my back while Im filing this complaint. 

Not applying the refund for the full balance gave them the option to take my car and that is not fair at all in my contract it say that if they get a refund for a warranty I agreed for them to apply it towards what I owe. 

Capital agent told me that it only go towards the principal balance and not the past due but it dont state that in the contract. 


Please help me this caused me to have so much financial stress as they denied me other things please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I reviewed my credit report and became aware of XXXX XXXX. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for 7+ years. 

I sent a debt validation letter to : Louisiana XXXX XXXX ( LRS ) Debt Collection Group XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX this account listed on my credit report : Original : XXXX XXXX  : {$68.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on 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 explanation
Consumer complaint received 2021-10-13
Company: BMW Financial Services NA, LLC
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: Information belongs to someone else

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SIX SEPERATE ACCOUNTS POPPED UP ON ALL 3 OF MY CREDIT REPORTS FRAUDULENTLY CAUSING MY CREDIT SCORE TO DROP TREMENDOUSLY. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to three different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus Experian XXXX XXXX and XXXX or validating debts that they do no investigation on this is a violation of the fair 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
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. 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. NO WRIITEN INSTRUCTIONS, VIOLATED PRIVACY.

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 2021-10-13
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency CONVERGENT OUTSOURCING refused to produce wet signiture Contract between myself and them and will not stop reporting to the Credit agencies.

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 2022-11-18
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:
Company : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, 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 explanation
Consumer complaint received 2023-05-17
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Company i have issue with : https : //wise.com/ Account registered under email XXXX Type of issue : They deactivated my account without reason. I have used it since XXXX, and for last 12 months using wise.com service as my virtual bank to recive payments of my busniess operations via USA based company in Wyoming. 
They closed my account on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am in a payment program with CITI Cards that was accepted by the XXXX  XXXX  XXXX. I stopped working with my Credit Counselor due to personal reasons and wanted to set up CITI for automatic payments. I called CITI three months ago ( prior to the date of this complaint ) and they took payment and assured me I could set up my Macy 's card ( serviced through them ) and my Thank You card a Visa card through autopay. The Macy 's Card has been auto deducted but the Thank You Visa card has not been. I was reported late which CITI promised not to do, and they subsequently told me I could not set up autopay. I have made several attempts to pay, but they told me attempts to pay must on auto-pay must be done through the credit counselor unless it is a one-time payment. That does not make sense if they can take one-time payments. Additionally, they store payment information indicating they have a way to store and transmit payment information monthly.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: TX
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:
Hi XXXX! This is XXXX XXXX XXXX XXXX. I checked my credit report and are inaccuracies on my name and addresses. Also, I have these unknown inquiries on my credit report and I would like them to be deleted immediately. I filed this unauthorized inquiries over Identity theft and I disputed it to the XXXX main bureaus as well but still on my current credit report. 

Here 's the list of the said inquiries and the date where it says I inquired : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, please update my name to XXXX XXXX XXXX XXXX. That's the only name I used for my entire life and my address to XXXX XXXX XXXX XXXX, XXXX TX XXXX only.

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 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting that I owe them money to which I asked them on multiple occasions to validate the debt so I can take care of the issue. They have yet to send me any contract, or methods of validations to prove that this account is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called chase regarding an application I submitted for an XXXX XXXX visa signature card. I got a letter stating I was denied due to an existing account ending in XXXX I explained to them that I have NEVER opened an account with chase or XXXX in the past. I was advised to call the card lending team to have the corrected and my application reprocessed I have called 7x been transferred to multiple different departments with NO resolution and it's extremely frustrating how hard is it to remove a fraudulent account that clearly isn't mine and reprocess my application. Shouldn't make a potiential customer jump through this many loop holes to get this corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a CD account recently with Synchrony Bank and tried to register my account online at https : //auth.synchronybank.com/account/register site. After inputting my SSN and DOB, it took me to another screen ( https : //auth.synchronybank.com/account/initiate-otp ) asking me to confirm my identity. It listed an old phone number that I owned long ago. I couldn't select that so I selected the " My Phone number is not listed '' option and plugged in my current number. It threw me this error " Sorry, the selection you have made is invalid. Please select or enter a phone number with an appropriate delivery method. '' I tried the same number with different delivery methods ( both XXXX and Phone Call ), and it repeatedly threw the same error. The error repeated for my other active number as well. For testing purposes, I selected the old number listed in the dropdown and the OTP was sent successfully to that number. I called the bank 's customer service at XXXX and reported to them the issue. They said that they use a third party to confirm my identity and refused to disclose further details. They only offered to send me a code by snail mail, which they said will take 7-10 business days. My old phone number still exists in their system and I am afraid that I am susceptible to fraud because the OTPs are still being sent to the old number.

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