BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: Porsche Financial Services, Inc.
State: NY
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 initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: NM
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-01-24
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I sent a revocation of power of attorney to CarMax Auto XXXX  by certified mail. CarMax did not acknowledge this letter. CarMax no longer has power of attorney over my car contract. 

I also sent In an affidavit of truth with codes CarMax Auto XXXX has violated. 

Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AFFIDAVIT OF XXXX XXXX XXXX XXXX  This Rescission notice is made Pursuant to 15 U.S. Code {$1600.00} ( a ), rescind the agreement. Neither was Igiven the notice that as Iwas never told Ihad 3days to transactions. Furthermore, you CarMax Auto Superstores comes along with all the consumer credit all my rights as a consumer including but not Inc failed to clearly & conspicuously disclose 6 Take further notice that Pursuant to 15 U.S. Code {$1600.00} Superstores Inc accepted a CASH down limited to my right of rescission.

1, Breanna U.S. Code {$1600.00} ( i ) ; Pursuant to 14 XXXX, participated in a consumer credit transaction and not a loan ; consumer credit transaction shall be determined m e by your organization in direct violation CarMax Auto which clearly states : The finance charge does payment of {$1000.00} violating 15 U.S Code transaction. not include charges of a type payable in a 1605, comparable cash Pursuant to 15 U.S. code {$1600.00} ( 1 ) ( 3 ) ; one can be fined year, or both, for giving false or inaccurate information up to {$5.00} or face imprisonment for up to one to disclose. In this case you, CarMax Auto Superstores or fails to provide information which is required rescission, I am not liable for any interest becomes void effective disclose and provide all information clearly to Inc, willfully violated this law when you failed Notice that pursuant me as a consumer. to finance charge to 15 U.S. Code {$1600.00} ( b ) : upon receipt of this immediately. or other charge or other charge, and any security Take further notice that 20 ( twenty ) days after property given as earnest money, down your receipt of this notice, you must return necessary or appropriate to reflect the payment, or otherwise. Also, you shall take any and placed on the property which termination of a security interest created under any money or action in this case is aCAR ( XXXX, XXXX, XXXXXXXX XXXX  the transaction # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hi, I am writing to ask for your help with regards to my mortgage lender > The Money Source. 
In early XXXX, I contacted this company thru their website. I informed them that I am having a hard time making my mortgage payment due to the pandemic. I notified them that I lost about 30 % of my income. So, I asked them if they have a program that could help me lower my monthly payments. About a few days later, I had a call from one of their representatives and asked me if I am interested in discussing this matter with a person from XXXX. I agreed. That person from XXXX is very helpful and friendly. He tried to help us get a loan ( still under process ) to lower our payments. 
While this refinancing is in progress, I was under the impression that my mortgage is under forbearance ( something new to me ). Since money was tight, I was not able to pay my mortgage on time in the XXXX of XXXX. I had some money that arrived from the tax refund ( of which I was saving for the closing cost for the refinancing. ) Consequently, I was not able to pay my XXXX mortgage and The Money Source reported this as delinquent to the credit bureaus. My son and I co-signed for the purchase of our home. Therefore, our credit scores were badly affected by the report. 
Upon realizing that our credit reports dropped substantially, I called TMS and asked what happened, since I previously told them that I asked for their help with my mortgage payments due to my hardship as a result of the pandemic. TMS representative told me that my case didn't go under forbearance, unfortunately, so they reported my one month delinquent mortgage payment to the credit bureaus. 
My main concern is that my son who is XXXX years old, just started a new job with an Investment Banking company, is on the brink of losing his job because of a negative credit score ( thru no fault of his own ). 
To be able to get approved for our current refinancing will be a tremendous help to our finances. And I believe that to have our credit back to positive ( where it was before the delinquent payment report ) would help us get an approval for the refinancing we're doing now. Note : I immediately paid the one month payment due last XXXX on XX/XX/XXXX. 

Please help us resolve this problem. Thank you for your anticipated assistance. 

Sincerely, XXXX XXXX email> XXXX Cell phone # XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
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:
Im accordance with the fair credit reporting act convergent account 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MI
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:
accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my rights under 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 : states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have never opened a an account with Bank of America but I received a text mentioning unconfirmed payments with the bank

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 2022-10-12
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:
XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To clarify, Chase never responded to my letter. I did call their Claims Dept and was verbally informed that we did not prove fraud and would need to resolve this directly with the merchant. Unfortunately, my wife and I were the victims of Fraud. Here are the facts, on XX/XX/23, my wife received an email communication from Chase Bank that our account was overdrawn. She knew that this could not be correct as we had a substantial balance and she contacted Chase Bank by phone, immediately. She was informed of the two XXXX XXXX tickets purchases, {$800.00} & {$840.00}, causing the overdraft. She immediately informed the Chase Bank Employee that she didnt purchase any airline tickets and that this must be a fraudulent purchase. She requested the purchase be nullified and the account reimbursed and closed, to prevent any future fraud. The account was closed, and she was issued a knew Debit card in the mail. The Chase Bank Employee responded that the transaction had not yet been executed and that she would cancel it. My wife ended the call thinking the situation was resolved. To our surprise, Chase Bank later debited the money from our checking account. My wife called Chase Bank, spoke to an employee explaining the above. We then recently received this letter, included approximately 1.5 weeks ago, rejecting our claim, and stating that Chase Bank Claims Division determined that we purchased and/or authorized these two airline purchases. I am including our letter emphasizing that the email and phone information provided by Chase demonstrate the Fraud as they are not my wifes email account and phone and that this is the essence of a fraud case. Chase insisted that she may have multiple email addresses and phones. In other words, the burden of proof of a " negative '' is on us. This is absurd ; we can not prove a negative and would be willing to provide affirmative testimony under perjury penalties that these are her only email acct. & phone #. Additionally, it is equally absurd for us to contact XXXX XXXX as we never made these purchases. 
However, on XX/XX/23, my wife did so any way and the XXXX XXXX employee, ID # XXXX, informed her that XXXX never issued payment for these 2 purchases as these are under dispute. Either XXXX XXXX is lying, or Chase Bank is lying, and we are stuck in the middle, each one claiming the other is responsible. To summarize, my wife, nor anyone else my family, made these 2 XXXX XXXX purchases. They were totally fraudulent purchases. My wife acted immediately to prevent these transactions, close, and protect our bank accounts and acted in good faith. Chase Bank from onset provided inaccurate information, reversed itself and put an impossible burden of proof on innocent victims. I am including all the relevant documents in my fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CarMax, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Carmax is reporting a debt to my credit that I dont owe and obviously a result of identity theft. I have never done business with this company. Due to the significant amount of identity, I had to recently get a court order for a new social security number. So my current social security number is considered dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX : {$8700.00}

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 explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.

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 2020-03-29
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello currently it states that I owe {$58000.00} on my student loan. However at the time of my student loan the maximum amount that I was allowed to borrow was up to {$18000.00}. Somewhere along the lines I have been scammed & fraud. When I try to contact My Fed Loan.org they transfer me to / give me a disconnected phone number. They said that I need to talk to their consolidation department ( which I have tirelessly tried to find and most likely doesn't exist. ) I don't know what to do from here. I looked at my loan disbursements and the majority of them are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-04-13
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I refinanced my house to convert my home equity line of credit into a fixed rate mortgage. US Bank financed my home equity line of credit and requested home insurance information. I contacted my home insurance company and they provided the information to US Bank. US Bank claims they did not receive this information so I submitted via another portal. In the meantime my mortgage closed, was funded and the home equity line was paid off. US Bank applied a fee for home insurance to my account 2 days before recognizing the full funding/repayment of the home equity line. They now show an exorbitant amount due to them for home insurance they applied plus interest that is precluding my account closing even though they are no longer the lien holder. I have spent many hour on hold trying to resolve this with them and have yet to come to resolution.

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