BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: CarMax, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I experienced discriminatory practices at the CarMax Dealership in XXXX XXXX, Illinois on Monday XXXX XXXX, 2015. I called the CarMax to inquire about a vehicle financing. I spoke with an agent by the name of XXXX. I am an attorney in the Illinois area and sought to purchase a vehicle from CarMax. I have very good credit noted to be in a range over XXXX. As such this would qualify my for some of the more competitive interest rates. When offered credit by the Carmax, I was told that I would only be eligible for a 13 % interest rate from available lenders. I have seen several other individuals with similar credit scores receiving much more competitive rates from the same establishment. I investigated the available rates for scores such as mine and found that they should not be offered above 3-4 % in my area. I was further told that if I added an additional down payment, I could lower my rate. Two days later I went to a reputable dealership and was given an interest rate of 2.2 % with the same credit score and a better quality vehicle. I certainly would not return to this chain in future. I have never been offered an interest rate so ridiculously high. Nor have I seen other individuals with similar scores offered such a thing. When I confronted the dealership about the offer, they blamed it on the lender. I see evidence of discrimination here and would like this investigated. I may also be pursing this issue legally with the Illinois Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Halsted Financial Services, LLC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A bank account with XXXX was placed in collections with another collections agency. Told them this was fraudulent and sent copy of police report reflecting that. Today I received a call from XXXX about this same account and told them the same information. They requested copies of the police report. Told her I no longer have and she needed to get the information from the previous collector. Woman said I had 72 hours or submit or collection call would continue and then hung up on me. I called back, spoke to another lady and requested to speak to a supervisor, she went over the same information. Told her I have no intention of addressing the matter any further and wanted to speak to a supervisor. She transferred me and I was told the same thing by another supervisor, told them I was n't sending any information and to cease and desist calling me. She said the collections process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to report an issue with Chex Systems, a consumer reporting agency that provides information to banks and credit unions about consumers ' banking histories. Specifically, I have found that Chex Systems is not removing accounts that are inaccurate from their reports. 

I have personally experienced this issue when I discovered that Chex Systems was still reporting an account that had been closed for several years. Despite multiple attempts to dispute this information with Chex Systems, they have not taken any action to remove the account from my report. 

This is particularly concerning to me because inaccurate information on consumer reports can have serious consequences. In my case, this erroneous information could potentially impact my ability to open a new bank account or obtain credit in the future. 

I believe it is important for Chex Systems to be held accountable for accurately reporting consumers ' banking histories. I urge you to investigate this issue and take appropriate action to ensure that Chex Systems is removing inaccurate accounts from their reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ll

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 2023-05-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
they sent me a printout of old statement summaries, which is not proof of ownership, they are violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: MO
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:
Dear CFPB, For four months now, the credit bureaus have been reporting an inaccurate delinquent account on my credit reports. This negative account is being reported as a debt that XXXX XXXX XXXX XXXX claims was owed to them starting in XXXX of XXXX. While I did have a bank account with Grow since XX/XX/XXXX, I moved away from the bank ( local XXXX, FL bank ) and closed the account in XXXX. Absolutely no knowledge or notice of a balance was given to me as the account was CLOSED. I was not notified of a balance, and was unable to login to account because it was CLOSED. XXXX XXXX sent no mail, e-mails or calls to notify of a debt to them or it would have immediately been paid. In order to establish a debt, the consumer must know of the debt and be given a due debt. This NEVER happened. This is not a valid debt and needs to be REMOVED. 

I have reported this debt to Experian twice now and they will not remove the fraudulent account. 

The account number reported XXXX IS NOT the account number I had with XXXX XXXX. I have NEVER opened an account with that account number. This account number is made up, and is further proof of foul play. My account number with XXXX was XXXX ( proof attached-number masked for security ). This account that experian is reporting is inaccurate, fraudulent, and needs to be removed immediately. 

I have sent XXXX a check for the amount they claim I owe in order to just get this off my credit however it is still being reported with three months of late payments, with a made up account number, made up due dates, and without the proper documentation to claim I was aware of or that I acquired this debt. 

( Proof of account number, check payment to XXXX once made aware of this false debt, police report of identity theft, etc. available upon request. ) Thank you for you help with this unethical practice. 

Sincerely, 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 2023-07-26
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Called to get XXXX {$36.00} overdraft fees totaling {$72.00} reversed because their program of offering reversals failed to detect my XXXX transfer of funds to bring the account current. They say the funds were deposited at XXXX PM even though they were sent around XXXX pm central today. 

Due to this error it revoked the ability to reverse the fees. 

A representative named XXXX answered my call and consulted with a XXXX XXXX XXXX to reverse the fees. She told me she was approved to reverse them. 

Upon hanging up I saw only XXXX was reversed. I called back and obtained XXXX XXXX who said he only approved XXXX which means I was given invalid/deceitful information to get me off of the phone call. 

I continued to press for the fee refund and while XXXX remained professional throughout the call and continued to deny the second fee reversal got in a snide Thanks for being so unprofessional right before hanging up the call. 

This is unacceptable. I expect a reasonable resolution to this concern or I will retrieve the call recordings from the XXXX phone system I called from to make them public.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

XXXXXXXX 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 XXXXXXXX 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 an 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 and other adverse items 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 2020-11-16
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Complaint for {$2.00} minimum interest rate charge. 

I try to keep a XXXX  balance on my Macys credit card. 
I had a zero balance. 
XX/XX/20 charged {$68.00}. 
XX/XX/20 I went to pay my balance but it said it was {$70.00}. 
XX/XX/20 I paid the {$70.00} for fear that if I didnt, it may cause me issues. 
XX/XX/20 I called and spoke with Macys. 
The representative said he would speak with someone about reversing it and put me on hold. He came back a few times and said he was completing it. Seemed like he didnt want to answer what it was for other than to tell me that it was a minimum interest charge. He was very quick each time to keep me on hold. 
He came back and said the reversal was complete. When I asked if I was to expect it to happen again and why was I being charged this, he disconnected the call. 

I shared this with a friend and she told me that the same thing happened to her so she cancelled her credit card. 
I dont want to cancel my card but have never been charged a fee like this previously on my Macys card.

Is it ok for them to do this? Seems a bit sketchy to me and with the millions of Macys card holders out there, {$2.00} for each adds up to a lot of money. 

Attached are : the receipt for {$68.00} on XX/XX/20. 
Statement showing the {$2.00} fee. 
Snippet of the {$2.00} fee. 
Statement closing date of XX/XX/20 showing the {$2.00} 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 2023-09-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit freeze on my Equifax credit report as well as fraud alert and some from Equifax or Equifax is allowing someone, ( who is not me ) to change my information including changing my first name, adding old address that are XXXX - XXXX XXXX XXXX. Also changing the date of my fraud alert and freezing and unfreezing my credit report without my permission This is the third time this has happened. Resulting in receiving credit card offers under the fraudulent name. I tried to resolve this several times with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Carvana Group, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX with less than 15k miles on it from Carvana. I also purchased the extended warranty through Carvana from XXXX XXXX warranty which was the only option that Carvana allowed and now less than 4K miles later, and less than a year later the convertible roof malfunctioned and Carvana will not cover nor will the warranty company. The repair costs is estimated atXXXX and that is why are they are denying although the warranty company is siting the broken top as cosmetic however that is not the case. Also, the back window is partially collapsed and I can not drive it without fear of theft or further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: PA
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 have a lot of unauthorized inquiries on my credit reports. I have been constantly asking for them to be removed from my report and they are still on there. 

Inquiries on my XXXX Report : XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX  XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries on My Equifax Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of EducationXXXX XXXX XXXX loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment historyXXXX XXXX/ Equifax/ XXXX all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

Equifax and XXXX are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

XXXX is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Credit Corp Solutions Inc.
State: NH
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:
On or about 2019? -earlier? There was another XXXX? XXXX that had information posted to my report. 
I didnt realize any of this in till the Sheriff was gon na serve me papers from a collection company. However upon investigating, I was NOT the same person. 

The last item to have removed is being difficult. The personal loan has been bought and sold and transferred. 

Ive never received any information on loan it was just on my report. I reached out once to get a copy of paperwork that the claim was referring to. All I got was BLANK application, instructions etc. 
Now, why would I fill this out and return it? That would be giving them all information about me that they dont have.I would like to see : 1 ) APPLICATION 2 ) APPROVAL INFORMATION 3 ) PAYMENT TO BANK? CHECK?

Ill do a police report if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: OH
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 contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than XXXX days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been provided in trying to settle this account, Account # XXXX - Reference # XXXX - Settlement Amount XXXX. 

I have been in talks with XXXX XXXX XXXX  since XX/XX/2018 and to date my credit report has not been updated correctly to reflect the corrects status on my account. 

XX/XX/2018 - I agreed to the terms of the settlement XXXX offered and I paid the account in the amount of XXXX. I was assured by XXXX XXXX that my credit report would be updated as a settled account with a zero balance within 30 business days. 

XX/XX/2018 - I received a letter stating the account was paid in full from XXXX XXXX. 

XX/XX/2018 I was contacted by a XXXX XXXX from XXXX XXXX XXXX XXXX who was seeking a settlement for the Conns account I had just settled on. I explained I paid the settlement offer through XXXX. Mr. XXXX asked that I send my documentation to him at the XXXX. I did this on the very same day and I have attached the emails as proof. 

XX/XX/2018 I contacted Conns and I spoke with XXXX I explained my situation and she gave me an email address for a  XXXX. She suggested I send her all of my documentation and that XXXX would recall the account back from XXXX and then they could update my credit report. She stated Conns received the funds and proof of my payment from XXXX on XX/XX/2018 and that all that was needed was the account be recalled back to Conns. 

XX/XX/2018 I contacted Conns and they said I needed to call XXXX because they claimed they had no information on this issue. I contacted XXXX   and I spoke with a supervisor and they assured me they had already returned the account back to Conns since they had nothing to collect and I would need to speak with Conns. 
XX/XX/2018 I called Conns again and explained my situation and they stated I should contact XXXX XXXX because she had all of my information. I also told Conns that XXXX assured me they had returned the account to Conns.  I was told Ms. XXXX would call me back and she never called. 

XX/XX/2018 I followed up with Ms. XXXX XXXX via email to which I received no response. 

XX/XX/2018 I called Conns again with my loan officer as a three way call in hopes that having a third party would assist in getting this resolved. My loan officer asked several questions and recorded the call and we were assured this would all be resolved within 72 hours. 

XX/XX/2018 I called Conns again with loan officer as a three way call and we were told this would be resolved within 24 hours. 

I have been dealing with this issue since XX/XX/2018. I would like my credit report updated to reflect this account as settled and has a XXXX balance. I have paid the account per your settlement terms and I have been more than patient while I have been getting the run around from your office.

Company response to consumer: Closed with non-monetary relief