BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: CarMax, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have worked with XXXX many times to correct the information they are reporting with no changes made to my credit record. I am asking that this account be updated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: First Recovery Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Every year since I had discharged my bankruptcy in XX/XX/XXXX I receive calls from yet another collection firm trying to collect on debt from XXXX XXXX XXXX regardless of the fact that they were included in my bankruptcy. 
The calls started again at my place of business and on my cell phone XXXX/XXXX/XXXX and have happened at least once a day with an automated message being left on my voicemail despite my attempts to complain to the donotcall registry. 
I finally called them back today at XXXX and XXXX XXXX told me she was with First Recovery Associates and she was with an " arbitration firm '' attempting to collect on a debt from XXXX XXXX XXXX in the amount of {$400.00}. She said I would soon be served and when I told her that she is the XXXX company that has bought this debt and that it was included in my bankruptcy which discharged XX/XX/XXXX and would she like my lawyer 's phone number she said she did n't and that she would just take the file to litigation, then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: MA
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:
.experian has errors on my credit report XXXX XXXX   XXXX, reported late XX/XX/XXXX, on a payment plan with XXXX /XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by, XXXX, XXXX  XXXX XXXX is a charge off as of XXXX reporting late payments XX/XX/XXXX, XXXX/XXXX XXXX   shows a balance, paid account off.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
it is not legal for someone to place a hard inquiry on your credit file without specific permission to do so,... I am seeking Punitive damages must be both reasonable and proportionate to the amount of actual damages to the consumer. The FCRA also allows for statutory damages of between {$100.00} and {$1000.00} for willful violations. These damages are often pursued in class action FCRA claims.. They are unauthorized hard inquiries on my credit file. 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  I have wrote to the credit bureaus and send in my driver license Proof of identity so at this point this needs to be investigated.

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 2016-02-24
Company: Executive Acquisitions Group, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Customer kept calling my home ( at XXXX PST ) to threaten me with arrest for a debt that they refused to state what it was for or who the original creditor was. Called me 4 times in a row, then proceeded to tell me XXXX off and I was a XXXX for stating I would file a complaint against them. Name of the company ( supposedly ) as it appeared on my caller ID is Executive Acquisitions - phone number that came up is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been paying XXXX separate student loans to Navient since approx 2008. A couple of years ago, I increased my payments to almost twice the amount per month in order to pay the loans off more quickly. My intent was to pay the higher-interest loans first. I was told by Navient that " they did n't do that and all monies would be applied equally to all XXXX loans. '' At this point I am XXXX y.o., plan to retire in a couple of years, and I 'm still saddled with significant student loan debt. The original loan was for {$39000.00} and the balance now is approx XXXX. After all this time I 've only paid {$2500.00} towards the principal? Also -- I work in XXXX and applied for loan forgiveness but was denied because of the type of loans. I could really use some guidance here, either from you or a recommendation as to whom I can seek counsel. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report U S DEPT OF EDXXXX XXXXXXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}

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 2017-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was misled and charged an annual fee of {$75.00} on my first statement. 
An annual fee was not indicated when I applied for the card. 

The application was made on an XXXX flight. 
Airplane attendants discussed and gave out applications which were then completed and given back ti the attendants.

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 2019-06-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Each month American Express issues late fees before their closing period is over. The automatically issue the late fee and then reverse most months, but, some months ( this past month for example ) they issued the late fee but did not reverse it automatically as they usually do. It seems that if you pay on the day of your payment they assess this late fee and if you do not call about it to have it reversed they have wrongfully charged you a late fee. American Express is on PST and I live on the east coast. AMEX closes their day at XXXX XXXX  PST which is XXXX XXXX EST and they assess the late fees around XXXX - XXXX XXXX EST, which is not right. I have a AMEX Delta Gold Skymiles card and I paid on my due date around XXXX XXXX EST which is XXXX XXXX PST, so, I should not have been assessed a late fee. I called them about it and they said oh yes you did pay on time and this was our error. So, if I didnt call I would have had this late fee for not reason. The late fee was returned as " Reverse Late Fee ( sys gen ) System Generated. This is not right at all, if no one calls about it they are given this late fee for no reason at all. AMEX should run this system generated late fee after the close of business, so, this doesn't happen. There could be thousands or millions of people out there being charged this System Generated fee when they have truly paid on time. Please look into this as this practice should stopped. This is a job that runs and they are able to change the time that this automatic job runs, so, they do not charge people for nothing. They did reverse the amount but this should not have happened. If you pay on the due date you should not be charged any fee ( so they would not have to reverse it automatically each month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Primary Financial Services L.L.C.
State: PR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I started repaying my loan with the third party and at a point I talked to them because could n't keep making the full monthly payments of XXXX, to which they offered me to make payments of XXXX for a few months and accepted the offer. they sent me the receipts of debit for the amount of XXXX twice and then contacted me and told me that it was wrong and they could n't do that that if I did n't make the full payment at that time I would loose everything and would have to start over. I explained they made an agreement and that they would have to keep it because I already payed {$4200.00} to a settlement offer of {$7600.00}. Under UDAP, they deceived with information given and then I heard nothing from them and was contacted by another 3rd party to start repaying the whole amount and that I lost all the money I had already paid.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: NJ
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate.

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 an account without my written instruction.

The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time. 
There our a total of One hundred twenty three ( 123 ) violations.

They have continued to violate my rights every and 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 non-monetary relief
Consumer complaint received 2023-04-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, Equifax has taken 77 points from credit report with no explanation or reason. This is not the first time, on XX/XX/2023 they deducted 55 than again on XX/XX/XXXX they deducted 55 again. I've disputed, I've called no reasonable explanation. I want to report this credit bureau for mishandling my credit report. I'm one week away from closing on mortgage, they've been charged and sued over same situation. I'm a victim to their fraudulent misconduct of my report. I have no debt, and no collections. My credit should be the same as my XXXX report which is 745. They share the same information yet Equifax has taken points multiple times with no explanation nor reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a Chase Freedom Credit card since XX/XX/1999. Approximately seven ( 7 ) or eight ( 8 ) years ago, my wife was in an accident and is now XXXX  XXXX. At the time of the accident I had difficulty with some bills and did have 2 or more late payments on the credit card account. In accordance with the terms of the account, my interest rate was raised to the " penalty '' rate of 29 %. This was expected and I accept that. 
My problem is that once you are in that " penalty '' catagory, they never reduce it. I have been on time with all of the credit card payments for over six ( 6 ) years and I'm still paying 29 % interest! 
It is like debtors prison. I have called and tried to get the rate lowered but they say my credit is evaluated every six months and they wont lower the rate based on my overall credit history, including utilization. I had to short sell my house and had some late mortgage payments prior to that but why should that affect the interest rate on my credit card? My card is still at maximum BECAUSE they are charging 29 % interest! I believe because I had a Chase mortgage when I short sold my home, they are trying to make extra money from me any way they can. 
I make at least the minimum payment, on time but it doesn't seem to matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXXXXXX 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 2016-11-04
Company: Manhattan Beach Venture, LLC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a number to call in regards to the student loan forgiveness bill XXXX passed. This contact is The Student Loan Relief Department ( TSLRD ), XXXX XXXX, XXXX. XXXX XXXX has told me that I would have my loans forgiven after tens years of minimum payments and for the first year I 'd be paying a XXXX dollar payment. When I spoke with XXXX XXXX XXXX ( my lender for student loans ) regarding a customer call back. XXXX stated that these kind of loan forgiveness companies are frauds charging money for free services and falsifying information on the loan forgiveness application. XXXX instructed me to call Consumer Finance to make a federal complaint in regards to this situation. The Student Loan Relief Department had me sign some documentations to process my loans for consolidation and charge me approximately XXXX XXXX dollars. The XXXX XXXX dollars was given to TSLRD by Manhattan Beach Ventures, LLC which is a bank that authorized the loan or credit for XXXX XXXX dollars. I do not wish to consolidate my loans nor do I wish to do any further business with TSLRD or Manhattan Beach Ventures, LLC. I spoke XXXX XXXX from TSLRD via phone and told her that I planned to file a complaint with Consumer Services, if we could not come to an agreement of to stop the process and cancel the credit for the XXXX XXXX dollars. She laughed and said that I would be paying the XXXX XXXX dollars back weather TSLRD processed to loans or not. I feel helpless, scammed and afraid of having my credit ruined. If my credit is ruined I could potentially lose my job with the Federal Government as a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation