BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: ACIMA CREDIT, LLC
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to obtain my credit report from Equifax for over 2 years. My most recent call to them was on XX/XX/XXXX. I can not access my equifax.com account and lenders can not pull my report. Instead, a message to call the consumer care center appears. The care center stated there's an " internal block '' on my credit, however, it wasn't placed by Equifax per their representative. They asked me if I recall being a fraud victim and I said no I have never been a fraud victim. They can't tell me who placed this " internal block '' on my credit. Finally claiming that I placed the block or " maybe a creditor placed the block ''. When I tell them I did not place block, and I did not authorize anyone to place a block on my behalf so I'm requesting they remove it, they stated I must send copies of personal identification information ( birth certificate, social security card, and driver 's license ) via FAX or MAIL. When I told them I refuse to send those documents to a company that had a major security breach and would like a physical address where I can resolve this matter, the representative put me on hold for greater than 30 minutes ( my lendor can confirm this ) and never spoke on the line again. I have had this same experience In XX/XX/XXXX. I want this " internal block '' with codes XXXX and XXXX removed. I want my access to my online account back. I did not place an " internal block ''. Who would place a block on only ONE of their credit bureau accounts? It is ONLY on Equifax and ONLY with Equifax that I have this problem. It is absolutely unacceptable that I can not see or access my own credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was involved in a multi car accident of which my vehicle was the middle car of the XXXX car accident. My car was a total loss. The balance left on my car was about {$14000.00}. The auto insurance paid off {$10000.00} and i was informed from Carmax that my gap insurance will cover the remaining balance. Carmax contacted me about XXXX months laters stated my gap insurance is not going to cover because my license was expired ( i didn't know until carmax informed me ). For months i went back and forward with my gap insurance. About 3 years ago, they agreed to cover the balance because the contract did not specify about expired ( not suspended ) license. I waited and waited for them to pay it off but they did. Eventually i contacted them and they told me they're not covering the balance. " What a disappointment ) As years went on, I have been disputing for this accout to removed from my credit report. This account is XXXX  years and XXXX  months old. It is damaging my credit. I have suffered and fight this company long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Avant Credit Corporation
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: Investigation took more than 30 days

Complaint:
Avant reported my account over 30 days late even though we had an agreement in place which I sent to XXXX. XXXX lets things go 45 days with out a response but again the consumer gets the shaft because these banks control XXXX. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that XXXX  even did the investigation. My next plan of action is filing a lawsuit against XXXX and Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a statement in the mail from the Children 's Place about XX/XX/XXXX or XX/XX/XXXX with a charge of {$990.00} on an account I never opened. XXXX is working on the issue but requested I file a complaint. My local police would not let me file an incident report. This was the next step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a auto loan and did not give permission or consent To ANY OF THESE PLACES!!! 

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 non-monetary relief
Consumer complaint received 2021-07-09
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX XXXX XXXX XXXX came to my house to install a perimeter drain system in my basement. In the process they damaged my home, did work not in compliance with building code, and never completed the job so when the workers left on the last day they did not get final payment because by the agreement, " payment ( was ) to be made upon completion. '' I sent my complaints to them and they agreed to come back in XX/XX/XXXX to correct the discrepancies and finish the work agreed to. Prior to them returning the President of the US and the Governor of NH declared a state of emergency limiting interstate travel and ceasing all non-essential work. I subsequently called and cancelled the appointment until the situation cleared. 
On XX/XX/XXXX I received a notice from All Debt Solutions , Inc. that they had been hired by XXXX XXXX XXXX to collect a debt. I hired an attorney who sent All debt solutions a letter on XX/XX/XXXX stating that I disputed the debt and requested validation of it. They sent a copy of the proposal which states that " payment to be made upon completion. '' My attorney and All debt emailed back and forth but nothing validating the debt was ever produced and then I got notices of account in collection on my credit reports. Those stayed on my credit reports until another letter from my attorney dated XX/XX/XXXX citing the same statute FDCPA noted in the original letter from All Debt, and stating that the debt has never been validated and demanding that all collection activity cease because the debt is not valid. The owner of XXXX XXXX XXXX admitted that the work was not complete in a XXXX XXXX complaint I filed. 
The negative reports were removed from my credit reports and we are now going after XXXX XXXX XXXX for the work they never finished but this whole thing with All Debt Solutions should never have happened because the debt is invalid. Had All Debt Solutions followed the law, specifically Title 15 USC / chapter 41, subchapter V, paragraph 1692 ( g ) they would have realized this debt was invalid and attempts to collect it would be illegal. Because they did not follow the law they have cost me {$4600.00} so far in unnecessary legal fees along with several months of not being able to use my previously excellent credit rating of over 800 to purchase anything substantial or even to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
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:
I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their XXXX XXXX and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests. 
I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I had a credit card from Discover and in XXXX attempted to make a payment over the phone to a representative and gave him my account number and he confirm the payment. I was under the impression that my payment went through as the representative said that it went through. A couple weeks later I got an email from Discover stating that my payment was not able to be found with the account number. And because of that as you can see on my credit report that my payment was 60 days late. I attempted to make a payment as Discover told me that I called and spoke to a rep on XX/XX/XXXX which is about two weeks before the closing cycle. I made the attempt to make the payment and gave the accurate information to the representative and it is not fair that as a borrower I am paying the consequences of a late payment which I tried to make. I am not accusing the representative over the phone of putting a wrong Account number in but Im saying that Errors do happened in these types of Computer related transactions. I tried to dispute this in XXXX but I had no success as I dont believe that experience really went into debt to really understand what exactly happened on that day because after going into much detail today after calling I found out new information that the account number that I used to pay my bill was ending in the last XXXX digits of XXXX. This is kind of ironic because my account number ends the last XXXX in XXXX. I know that there was a mistake made and I have not changed my account number since and with this new information I strongly can confirm that a typo was made or a system had a glitch. You can see as clear as day that I attempted to make a payment and that is on their call log. Unfortunately they are not able to pull the call from the representative or from the manager at the current moment because the first rep the call can not be found and the second call with the manager he know is no longer with the company and it is not able to be pulled by a general consumer. This small late payment on my credit has really made life hard for me. And dont think its fair that I am paying the price an error on discover. I am even more disappointed that XXXX decided to open an investigation and not dig a bit deeper into the actual situation to confirm what actually happened. Because if they did actually look into it and pull the calls which most likely were not done due to the fact that theyre not available to the general public. Then it would be very apparent that I made an attempt to make the payment and I did give the correct information over the phone and the only reason that it was late was because there was an error in the payment that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY 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 non-monetary relief
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a dispute on XX/XX/XXXX regarding old incorrect addresses on my credit report with Experian they dont remove them. I tried to file another dispute over the addresses and it said i couldnt dispute because a creditor told them this address was correct.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with 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. 

Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-07-09
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I bought a car with XXXX XXXX from XXXX XXXX. 

He told me that if I don't buy an extended car warranty for 10 years my interest rate will double He added {$1700.00} to my contact without my knowledge for life insurance He told me to have my monthly payment deducted from my Bank in order to save $ XXXX  monthly. Instead he signed my up for a SmartPlan that charges $ XXXX  monthly I went to see him. He said that he will cancel everything. Called him a thief. 

Called his manager-XXXX-and she told me not to judge him because I am not God. 



Please stop XXXX XXXX he has been doing it for 26 years.

Company response to consumer: Closed with explanation