BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-02
Company: Experian Information Solutions Inc.
State: IN
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 have filed several disputes with Experian in regards to information on my credit report in regards to student loan information being reported wrong and outdated from 10 to 11 years old. I complained about a student loan from the US DOE ( department of education ) in the XXXX XXXX being too old and the wrong information but they came back with it was verified and the same time I was trying to get an address deleted XXXX XXXX XXXX   XXXX XXXX, In. And they said I had to contact the DOE XXXX XXXX and give them my address. I contacted the XXXX XXXX DOE servicer and was advised that there was no loan information in their system ( see attached information from them ) for a loan so it cant be verified. That means Experian lied about verification! They did have my correct address though so Experian lied about that as well. They are suppose to be 100 % accurate on reporting and they are not and they refuse to listen to the consumer at all! So I realize its not what you know but what you can prove I am attaching that proof today for you because they dont care about the proof or whats right. I also attached were the same information is being reported and its different with another credit reporting agency.

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 2021-04-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was not notified properly about these erroneous accounts that have went into collections that appeared on my credit report. 

XXXX XXXX XXXX  XXXX - - XXXX XXXX XXXX XXXX - -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After discovering this derogatory mark on my credit report and requesting information from this debt collection agency, i have come to the conclusion that this was a result of me being a victim of identity theft. National credit adjusters provided me with the information i requested and also asked that I submit an Identity Theft Report. I have already emailed them my identity theft report after they somehow got ahold of my email and sent me an email requesting the identity theft report. I also attempted to reach out to XXXX XXXX with the phone number I was provided in the letter i received but have yet to speak with him after leaving a message and calling several times to inform him of the identity theft report. They now have my information and have sent me a written letter through mail of the debt I have been disputing with them. I do not wish for them to have any of my personal information such as my phone number, home or email address, etc and ask that this collection be closed and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Gershfeld Law Group, P.C.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX XXXX XXXX XXXX called me because they claimed that I asked for their call, or I called them. This was a complete lie. I talked with them to find out as much information as possible about them. When I told them, I was uninterested and I failed to meet " qualifications '' and had wasted their time I was called stupid, threatened to continue calling me, and then repeatedly harassed me by more phone calls from the same person and number. He called 7 times in the next hour, I repeatedly said to stop. I was offended by the audacity to call me, blame it on me, and then call me " stupid '', and then threaten to harass me with more calls.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-23
Company: STERLING JEWELERS, INC.
State: FL
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 have a hard pull from XXXX XXXX as well as a Jewelers company that I never submitted for any credit approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CarMax, Inc.
State: GA
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 have multiple inquiries from a company called : Carmax Auto Finance The dates are : XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
Capital One Finance reported a credit inquiry on my consumer report XX/XX/2023. I did not authorize this credit inquiry. They also did not provide me with documentation and can not provide documents that I authorized this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Events in chronological order : ( 1 ) I applied for a citibank credit card " Citi / AAdvantage Platinum Select card '' on XX/XX/2019, I was notified that the application was approved no later than XX/XX/2019. 

( 2 ) There is another email saying that I should expect the new card by XX/XX/2019. 

( 3 ) However I did not receive the card even on XX/XX/2019. Then I contacted customer support online ( live chat ) to ask Citi to resend the new card. The agent said that the card will arrive in 7-10 days. 

( 4 ) Now today on XX/XX/2019 which is 12 days after the chat I still did not get my new card and I have to call customer support again to ask what happened and how to resolve the issue ( 5 ) After the agent verified all the information and about to place the order to resend the card she said " sorry verification blocked because the account is of high fraudulent risk ''. I think it's really ridiculous and I don't trust the agent 's capability to resolve this issue promptly or smoothly so I am complaining to CFPB about the case. 

What I am complaining for : ( 1 ) It has been almost 1 month after the application is approved I am still far from receiving the actual credit card. 

( 2 ) I contacted Citibank several times but they failed to process the resending order. 

( 3 ) The agent said that it's because the address on my profile does not have apartment number. However I checked it again and again, my apartment IS on the profile. I did double check triple check. The agent changed her word after hearing this. 

( 4 ) The same thing happened to me more than once. Another very important communication from Citibank, which has a {$300.00} check was also not delivered to my address. 

( 5 ) I really don't understand that why my account was flagged as " high risk of fraudulent ''. I don't even received my card!!! If that's the reason. This risk is totally brought by Citibank. Think about it, I applied for a new card. It never arrives. I contacted Citibank but they said oh sorry we can't send you the card because of high risk. Isn't this thing totally ridiculous???? Ask yourself.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: ID
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission 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 inaccurate. 

( 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 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-09-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to navy Federal totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Cooper Hoffman Klein Associates
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive repeated calls and threatening voice mails on my Straight Talk cell phone from someone at " Cooper, Klein, Hoffman/XXXX and Associates '' at ( XXXX ) XXXX mostly but a few other numbers as well, all with out of state area codes. The voice mail threatens legal action against " XXXX XXXX '' and references " file number XXXX. '' The voice mail demands a call back at ( XXXX ) XXXX to avoid this action. I am not XXXX XXXX. I have had this phone number since 2012 and my number is on the Do Not Call Registry. I have previously experienced similar calls at this number for a " XXXX XXXX. '' I was able to get those calls stopped by talking with the caller but have been unsuccessful with the callers looking for " XXXX XXXX. '' The calls taper off for a month or two but always resume after a brief hiatus. I have spoken with Straight Talk and was told there is nothing they can do. They advised blocking the calls or changing my phone number. Unfortunately, changing my phone number is no guarantee that I would not get yet another tainted number and be no better off than I am now.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-08
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
GM Financial continues to attempt to charge me for property taxes on a leased vehicle. I have leased vehicles in XXXX XXXX before and never once was charged property taxes for the vehicle. GM financial has not sent me documentation showing i am responsible for such fees. I did all the leg work and went to the county tax office. They do not understand why i am being asked to pay these taxes. i also contacted the XXXX XXXX XXXX who assisted with the lease and the finance department is not familiar or understands why GM financial continues to try to collect. i traded in my vehicle and paid the previous years taxes only because the vehicle was traded in. Below is the email i sent to GM financial. They have only responded with an advisor calling to tell me that " im responsible '' no proof, no documentation. nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : Property Tax on leased Vehicle Account XXXX Dear GM Financial I am responding to your contact about collecting an alleged debt. You contacted me by phone on XX/XX/2023 regarding an outstanding tax bill. 

I do not have responsibility for the debt you are trying to collect. 

if you have a good reason to believe that i am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that i dispute having any obligation to this debt. If you stop your collection of this debit, and forward or return it to another company, please indicate to them that is disputed. If you report it to the credit bureau ( or have already done so ), also report that the debt is disputed. 

I was advised to contact our XXXX XXXX tax office. I have done so as requested and was informed that i do not have a tax bill that i am responsible for. I also contacted the finance department at XXXX XXXX XXXX in XXXX TX and was informed that they have never heard of such thing and are very familiar with leases completed for GM financial. 

As stated above, please provide your documentation that shows i am responsible for this debt. If you find that this was an error, please return the previous years tax bill of {$210.00} to the address above in the form of a check.

Thank you for your cooperation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX I received a statement that indicated a balance of {$180.00}. I called customer service and was informed that a online purchase occurred on XX/XX/XXXX in the amount of {$40.00}. I was unaware of this charge due to the fact that I did not receive a mailed, paper statement until that day. The customer service representative stated that my account was signed up for paperless statements and was being sent to an email address I formerly used. I do not recall ever opting for paperless statements. Additionally, I do not shop at Macys that often to warrant frequent review of the account online. Consequently, the account accrued several months worth of late charges in addition to the original charge. I did not make the purchase and will not pay for said purchase and late charges. My positive credit standing that I have had for close to 30 years to is now diminished due to their billing practice. I have proceeded with a fraud claim with Macys. It remains to be seen if they will investigate, reverse all charges, and report to the credit report agencies accurately.

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 monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In my 1st complaint I stated the following I have reached out to all 3 major credit bureaus, asking them to verify these accounts and to do investigation on everything on my credit report, and they did. The 3 major credit bureaus stated that everything was accurate. After looking over my credit reports and doing my own research I found some inaccurate items still listed on my reports. Some items are being reported on different dates some items show that the accounts were open on different dates. I advised that my credit report show be accurate across the board and should not have any discrepancies. This is not the case in my situation. In accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, they are not the original debtors and I have not signed any paperwork with this company. Therefore I demand this account to be removed from my credit report. 

I received a response from Equifax stating the account is no longer reporting on my credit report but today as of XXXX the account # XXXX is still reporting on my report Please remove and delete this account from my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, I have not signed any legal document with this company.. Therefore I demand this account to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I saw a Car in their XXXX  page ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ), a XXXX XXXX XXXX XXXX XXXX, I sent a message to their XXXX  message, then they reply to me to switch to XXXX  #, it was XXXX a person called " XXXX XXXX '' ( don't know if it is his real name ) reply to me, send an information about the car, without a VIN #, and ask me to pay half of the value, and the rest will be paid at delivery of the car in my house in XXXX. Negotiation included cost of the car, shipping & handling in XXXX with local # plate included. This negotiation was on XXXX XX/XX/XXXX ( XXXX {$9400.00} ). Then on XX/XX/XXXX he asked me more mone for the container XXXX {$4900.00} ) in which the car will be shipped and then on XX/XX/XXXX asked me more money for the shipping insurance ( XXXX {$5500.00} ), all of this XXXX last transaction was supposed to be returned at delivery. Then on XX/XX/XXXX ask me more money ( XXXX {$2600.00} ) for the clearance an all procedures related to XXXX XXXX and taxes, which was supposed to be included in the initial price of the car. All the payments was done via Wire transfer to a Bank XXXX New York XXXX Bank of America N.A. XXXX # XXXX ) on the name of a XXXX XXXX. XXXX  with address XXXX XXXX XXXX XXXX in XXXX GA, XXXX gave a webpage tracking shipping ( XXXX XXXX XXXX Tracking i XXXX XXXX page that I was checking constantly and showed me the process of shipping, until XX/XX/XXXX page is not working any more ( " This site cant be reachedCheck if there is a typo in XXXX. If spelling is correct, try running XXXX XXXX XXXX. DNS_PROBE_FINISHED_NXDOMAIN '' ). Also this XXXX XXXX is not replying to my messages, last thing that he said to me was that he was XXXX XXXX XXXX fixing a money problems related to cars also. On XXXX  on the pic of the car that I bought I comment that I bought the car and that it was not delivered yet, and they deleted the comment and blocked me. Also in between the process of negotiation this " XXXX XXXX '' offered me if I need another things from XXXX he can use the container to send it which I replied yes, I needed some parts for my cars in XXXX, I sent the information and charged me with an extra XXXX {$1200.00}. In total I paid XXXX {$23000.00} and I'm getting nothing. Thank you for your time.

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