BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Americas Car-Mart, Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I went to Car Mart and financed a vehicle for over {$10000.00}. After having the vehicle less than a week I had it in and out of Car Mart 's Repair Service and still made my payments. I had close to 3 months left of payments for a total close to {$1300.00}. Then in XXXX of XXXX the engine blew. I called Car Mart and they had it towed to their choice of auto repair shop. Their shop stated it would cost more to fix than what it's worth. The Manager of Car Mart told me that they would " write it off '' and " I can finance another vehicle. '' From XX/XX/XXXX to XX/XX/XXXX I waited for a call from Car Mart 's Manager while still paying my car payments and a {$500.00} down payment for " the next car '' and on XX/XX/XXXX they called to let me know they " have a car ready for me to check out. '' They said I could take it for 7 days to decide weather I wanted it or not. '' I took it home and had my husband check it out. Right off he spotted several things wrong with the car. So after thinking it over I took the car back after deciding it had too many issues by the XXXX day. 
By XX/XX/XXXX not only did they put BOTH vehicles were on my credit report, they listed them as a REPOSITION. 
I called the main office and they said they would " look into it. '' After 30 days I looked again at my credit report and they lowered the amount owed but still had them as a REPOSITION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Merchants' Credit Guide Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Went to Doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, diagnosed XXXX and I shared my insurance information with doctor, he suggested treatment which consisted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a few sessions, doctor never explained that this XXXX was not covered by my insurance and now I have a collections agency calling and negatively affecting my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My family and i have been trying to settle this debt for 3 years with this company. We have filed multiple complaints with CFPB to try to force the issue but they were unwilling to do that for a reason we can't fathom. Now they have filed a lawsuit and their legal representative clearly stated on a court mandated conference call 'they just want what they are owed. ' We thought about it and realized that selling the property would settle the account and end this. It hasn't. We have found an investor that is willing to write a check ASAP for the full {$220000.00} that they are suing us for but they are dragging their feet. None of this makes any sense that any us can comprehend, my family or the investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: AL
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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: T.S. Holdings
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company has put a collection on my credit report that has ruined my ability to rent for the past 5 years. The balance is not valid and I have been disputing this balance for two years. I have emailed the company a list of items to mail me showing proof of ownership of this debt and they have not provided that. This collection item has caused emotion distress and I will be pursuing this in court if it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account on XX/XX/2023 at Regions Bank at XXXX XXXX XXXX, XXXX, TX XXXX branch after registering for the promotion of {$300.00} bonus at webpage XXXX XXXX XXXX XXXX. When I opened my account, I confirmed with the banker that the promotion has been applied to my checking account. It has been 3 months, and I have met all the requirements for the promotion. However, the bonus still hasn't been paid. So I chatted with Regions Bank online banker through its website and the banker informed me that the above promotion was not applied to my checking account.

Company response to consumer: In progress
Consumer complaint received 2022-02-24
Company: FC HoldCo LLC
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:
XXXX XXXX XXXX XXXX. This company needs to audit my account and remove some of the dates that are said to be late. I am current on this account. Even when I am current the company continues to call about the upcoming payments or payments that are nit 30 days late. I have asked that the account be audited by a human and that if the company can not prove to me on paper that my payment was more than 30 days late that my account be updated and corrections made to ALL credit reporting agencies. This time period is from the beginning to present of the account.

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 2022-01-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Over {$4200.00} was stolen from my account and deposited into a gambling website known as XXXX  XXXX. I submitted a claim of unauthorized charges which was denied. They sent me a rebuttal form which I completed and submitted on XX/XX/2021. They told me to wait 45 days to come with a resolution. After waiting 45 days, they tell me they never received the rebuttal form, after which a supervisor on the phone confirmed that they did, and are telling me to resend it and wait another 45 days. There's too many lies and deceptively to be trusted within this company

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 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: LA
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:
See attachment detailing where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me are have ever seeked.

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 2018-08-29
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are attempting to get a refinance on our house to pay off a higher-interest mortgage and perform some home improvements. We chose XXXX, part of XXXX. 

We are approaching the THIRD time we have had to sign papers because of constant blundering by XXXX. 

First it was because, even though the waiting period of 3 years from a " deed in lieu of foreclosure '' on our previous house, for some reason it was not recorded for a month and XXXX had not even checked, delaying our signing a month, but they didnt notify us until AFTER we had done the first signing and were expecting the cash out from our refinance. THEN they told us, AGAIN after signing and on the day we were expecting the wired funds from the cash out, that with an FHA loan no extra cash could be taken out. 

AREN'T THEY SUPPOSED TO ALREADY KNOW THESE THINGS? 

Now, after signing TWICE they are requiring proof of my latest pay raise, after which I'm led to believe the loan will have to go back to the underwriters for approval ... which will require ANOTHER signing! 

These people are incompetent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late.

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 2020-02-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a credit rating dispute with Experian, XXXX XXXX and XXXX   concerning the derogatory rating I received from XXXX XXXX XXXX  ( XXXX  ). On XX/XX/XXXX, I appeared in the Superior Court of California XXXX County of XXXX Small Claims Court as the defendant in the case of XXXX XXXX XXXX XXXX XXXX. DBA XXXX XXXX XXXX , case number XXXX, because The XXXX XXXX failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XXXX, XXXX. The contract for the remodel was financed through XXXX. In XX/XX/XXXX, I notified XXXX that I would no longer make payments on the loan until the work was completed as agreed and provided them with a XXXX XXXX Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to XXXX. While in dispute, XXXX charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to XXXX, as well as disputed the rating with the three credit bureaus, XXXX XXXX, Experian and XXXX. XXXX has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from XXXX XXXX XXXX Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.

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 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a student. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.

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 2022-12-14
Company: EQUIFAX, INC.
State: MI
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 appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7400.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CIG FINANCIAL LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and delete : CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Avant Credit Corporation
State: OK
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:
Avant is reporting to XXXX  that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at XXXX am EST I received a call from a XXXX, FL phone number XXXX that I had recognized as a XXXX XXXX whom I spoke with a few months prior. the gentleman on the other end of the call explained that they finally had a buyer for me, and that the closing and sale would happen quickly. Given that I have been trying to unsuccessfully get rid of the timeshare for years, which is seemingly and coincidentally fraudulent in and of itself, XXXX, I was eager and excited about the prospect of finally having this burden off my back. I was told to that all I needed to do was pay for closing costs, which as a Realtor myself isn't unusual for seller to pay those, so I didn't think anything of it. The man told me to wire {$2700.00} to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Description : XXXX XXXX I immediately brought this to Chase 's attention as I realized very quickly that I had been scammed. CHASE was not helpful and very difficult to work wtih. I couldn't even speak to anyone in the fraud department and there was no direct number to call. I feel Chase did little to nothing to help and neither did XXXX!! please help me asap!!

Company response to consumer: Closed with explanation