BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: PA
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 disputes with CREDIT CARD/XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying thhat thhe account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different ig credit, different past due, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago

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 2022-09-17
Company: John C. Heath, Attorney at Law, PLLC
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I've been a victim of identity theft since 2019 and I have put my complaints and reports in but I'm not being contacted by anyone to help me with anything and I keep getting hacked everytime I get a phone and new service and when I make an account with anything and all the money I have been waiting for, I can't get or anyone to help me with anything dealing with me having to be responsible for paying for others stealing my information and identity and using it to get unemployment and taxes and I have paid Lexington Law 3 times for me to still have bad credit and things not removed and XXXX has data breaches and I have never been reimbursed for all the money and things that I have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: TX
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 MY THIRD TIME FILING A COMPLAINT. EVERY TIME I FILE THE COMPANY STATES ITS FROM AN UNAUTHORIZED THIRD PARTY WHICH IS INCORRECT, I AM ME!!! I am attaching my metro 2 letter for disputes, as well as my social, license, and bill. I feel like you guys are discriminating against me because I actually want good credit. All three credit bureaus are not reporting the same information everyone different dates. I have sent multiple letters which they claim they have never received, and I have also called NUMEROUS times about this issue. I have even done disputes online. I AM XXXX XXXX XXXX XXXX BORN ON XX/XX/XXXX.

Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and METRO 2 Five Points of Compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a XXXX  or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: PA
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've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : 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 2023-11-06
Company: CarMax, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this car loan has been closed since XX/XX/2020, and it was also sent to auction and sold satisfying the loan, I also had gap insurance on the vehicle. this car is still reporting on my credit profile as if i still have this car in my possession. I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The problem that Im having is that Im being double charged and funds not being applied to my balance for example Ill buy something it will deduct the funds from my balance then it will say processing then it take the funds again then I cashed out with my cash app and didnt apply to my current balance

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 MY THIRD TIME FILING A COMPLAINT. EVERY TIME I FILE THE COMPANY STATES ITS FROM AN UNAUTHORIZED THIRD PARTY WHICH IS INCORRECT, I AM ME!!! I am attaching my metro 2 letter for disputes, as well as my social, license, and bill. I feel like you guys are discriminating against me because I actually want good credit. All three credit bureaus are not reporting the same information everyone different dates. I have sent multiple letters which they claim they have never received, and I have also called NUMEROUS times about this issue. I have even done disputes online. I AM XXXX XXXX XXXX XXXX BORN ON XX/XX/XXXX. 
Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and METRO 2 Five Points of Compliance

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my 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 2023-03-14
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which I remember I paid in time. I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I found that under section 605b of the FCRA you are required by law to correct & update any accounts or information which is found to be late due to negligence. The dispute items were paid in time. Please correct/update these files. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. According to FCRA, the 3 CREDIT REPORTING AGENCIES shall update any information in the file of a consumer that the consumer identifies as information that resulted from blunder of the creditor, not later than 4 business days after the date of receipt. If you feel there is a possibility these accounts were paid in late I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from that person : XXXX XXXX, XXXX, XXXX XXXX. 

My name is : XXXX XXXX - DOB : XX/XX/1995 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX  XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : ( XXXX ) XXXX, PLEASE REMOVE : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created a Citizens Access savings account and deposited {$10000.00} on XX/XX/2023. On XX/XX/XXXX I linked the savings account to my XXXX account. 

On XX/XX/XXXX I tried to withdraw {$400.00} to put into my XXXX account. The withdrawal occurred but then was reacredited and my account was then frozen on XX/XX/XXXX. 

On XX/XX/XXXX I deposited more money ( {$4700.00} ). My balance reflects the two deposits which all show in my statements. 

On XX/XX/XXXX I called the Citizens Access support number ( XXXX ) because my account was still frozen for more than 10 days. The representative on the phone said that my " account was under review and there is no available information at this time and to wait ''. 

On XX/XX/XXXX I went to a Citizens bank ( listed on their website ) in person to straighten out the problem and find out what was going on. They told me that they couldn't even find my account in their system and told me to call XXXX. I called and they said the same thing : " account was under review and there is no available information at this time and to wait about a week ''. 

Since it's already been 3 weeks since my account was frozen, I decided to call the number on the bottom of the Citizens Access website ( XXXX ). The representative who answered the phone on this call said exactly the same thing " account was under review and there is no available information at this time and to wait ''. So I asked if I could speak to a supervisor who said the exact same thing : " account was under review and there is no available information at this time ''. 

My account has been frozen for 22 days and no explanation has ever been given to me as to why and when the problem will be resolved. 

I'd really like access to my money and to be treated like a customer and not a criminal. Can you please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
They are trying to make me pay them for a homeowners policy while I carry my own policy. Theirs may be more expensive and have lesser coverage. When I originated the loan I agree with another company that I would carry the insurance. Since the loan in six months has been sold to them I am being hounded over insurance and they want to force additional costs onto the loan. I see where law suits have been brought in Massachusetts over this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
I recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.

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 2018-11-19
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have reached out to you stating that I've never had a problem with payments. XX/XX/2018 was the 1st time I've ever had any issues. You extended my payments claiming this was the best way so it wont be reported due to my good paying history. The address I have, which is a p.o box is the same p.o box I've been using since the beginning. I agreed to allow you all to extend my loan so I wont be reported. Now here it is XXXX, and I mailed off the XX/XX/XXXX payment XX/XX/2018 to the same address one of the representatives gave me. I have a copy of the letter that was mailed XX/XX/XXXX, along with my full address. If there was a problem, I would have gotten it back a long time ago considering today is XX/XX/XXXX. I see that yall have added extra charges to my account that is not awarded because I have proof, just like I did in XX/XX/XXXX that I did indeed send it. I have receipts, picture of envelope at post office with the correct address that was given to me the day of sending it. Apparently there is no problem with the address, and if it was, why would the representative give me a false address. I want to be treated fairly, and not to be made to continue getting an extension or whatever it's called, just to continue pushing my maturity date up. I feel like since my letter has not returned, that it's just being held knowingly, just so you can tell me you dont have it. Well someone has it because it was not return to the address that on the letter. I would like this resolved without you all putting extra charges on me when it's not my fault. I would like to see the right thing happen, despite the credibility that you all do not have for being fair. I XXXX XXXX, have proof for everything within this complaint to show that I did pay before the 10 day grace period was up that is given before late charges are applied. I pray that this matter can be resolved in a respectful and just manner. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
2020 Sam 's Club Synchrony Bank MC. All account balances due have been paid in full as of XXXX XXXX 2020 On this date a balance of {$990.00} was paid in full prior to the due date of XXXX XXXX 2020. A new balance for {$28.00} is due for XXXX XXXX 2020. Two calls were made to identify why a new balance issued, in the amount of {$130.00} is due, rather than the new transaction balance of {$28.00}. No one with customer service or management is able to identify the transactions totaling {$130.00}. Have spoken to both. Our account activity shows the new amount of {$28.00} with all previous transactions being a negative and included in the payoff amount of {$990.00}. There has been no proof given us to have a new balance in the amount of {$130.00}. Any transactions totals given do not add  up to it and they are pulling transactions from as far back as XXXX. Doesn't make sense to us. We also worked with the transactions to no avail. We don't want to become victims of overpayment. Perhaps we've already overpaid and there could be money due us. Our hard earned and retirement dollars were accepted for payment and no one has been accountable for the totals to add up correctly. As far as we can tell we owe {$28.00} because all prior monthly billings were paid in full. Why should we pay {$130.00} when it's just not adding up with any of our transactions. Elder laws apply to us and we are making every effort to be responsible and accountable for our payments due. We are on a fixed income. We served this country for thirty six years with XXXX XXXX and XXXX XXXX XXXX  as a XXXX  of XXXX XXXX and with other significant XXXX XXXX XXXX. Our integrity and services are a Big Deal. Put life on the line so many times and lucky to be alive. We don't file a complaint unless we see the need for attention to fix the problem, which obviously is lacking. We hope this message will receive the attention it deserves. It also appears to be a fault within the billing system that no one can explain.

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