BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Bankers Auto Acceptance
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a used vehicle on XXXXXXXX. The finance company did not inform me of all my rights as a consumer or options. They overpriced it and I gave a down payment of {$3500.00}. To top it off the XXXX XXXX XXXX was so overpriced. A few days in the vehicle smelled burnt. I maintained the services on the vehicle for 8 months when it broke down. The woman that was in charge of my file, XXXX, well she a rude. Does not know how to help the customer. When I asked for a deferment she argued with me and did not let me talk to her supervisor. She would call me a week before my payment to tell me when I was gon na make a payment that I was late. I have been paying for 8 months when it overheated and stalled. The vehicle has been in the XXXX services since XXXX. I hired an attorney to help me with this issue because they sold me a lemon. I informed them that the vehicle was not working and I was not gon na pay insurance. They added their insurance. Which was ridiculously high. I called in XXXX so I can find out if they can have the dealership buy the vehicle back but XXXX was rude. She said, " We don't work like that. She preceded to tell me your car is not eligible for lemon law. She also threatens me by saying XXXX XXXX you are in good standing don't mess that up. I made a partial payment but she reported me to the credit agency that I was late and the amount she posted was not correct. She was being argumentative with me so I decided to tell her that I just called her for one thing and I hung up. She kept calling me and calling me that day. For the next 3 weeks, she kept calling me every day. On XX/XX/XXXX, I mailed them my dispute and cease and desist letters. On XX/XX/XXXX, I faxed them as well. A few days later they went to pick up the vehicle from the XXXX service center. The repo company is charging me XXXX dollars the first day and 7 every day after that for storing my stuff in the car. I just got the letter that when they repo the vehicle they didn't even call me they allowed it to run. I have an attorney for that vehicle. I lost my job because of this. I need the vehicle that was the whole point of purchasing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : Second request for removal of inaccurate information Please be advised that this is my SECOND REQUEST for you to remove incorrect and inaccurate information from my personal credit report. 

I received no response to my initial letter dated ( XXXX ). It is my understanding of the law that you must complete any request for reinvestigation within a XXXX day time frame. It has been well over XXXX days! 

I have included a copy of my original letter for your records as well as mine. Please take immediate action to rectify these issues. 

The following information needs to be investigated as soon as possible : XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX  with account number XXXX I am awaiting your response and an updated copy of my credit report within XXXX days as required by the Fair Credit Reporting Act. 

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 non-monetary relief
Consumer complaint received 2021-01-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX XXXX, I withdrew {$20.00} from an in-network ATM. On my Chime account it said that I withdrew {$500.00}. I immediately called Chime and told them what happened and they told me to fill out their form and send it to them, but I would have to wait until XX/XX/XXXX just for a PROVISIONAL CREDIT! I told them on the phone, I can not wait that long! I have severe XXXX, XXXX, XXXX and have had multiple serious back surgeries. I am on XXXX and on a fixed income and have bills to pay! They gave me a credit on XX/XX/XXXX, just in time for my car payment on XX/XX/XXXX. Without notice they reversed my credit on XX/XX/XXXX and said there was no error! I said are you kidding me? Now my car payment got kicked back and I got charged {$30.00} for HAVING INSUFFICIENT FUNDS! I called Chime on XX/XX/XXXX and said I have the ATM receipt to prove it! The associate said that I was supposed to send the receipt to them as well. I told him that nobody told me that I needed to attach the receipt! He told me if I send the receipt that I will get my money back! I sent the ATM receipt immediately and I just called on XX/XX/XXXX at XXXX XXXX  and I was asked " did you get an email from us? ", I said no I did not. The associate said that upon reopening the claim with the ATM receipt I provided proving I only took out {$20.00}, they still decided that " no error occurred ". I was furious and said I gave you the ATM receipt proving I only took out {$20.00}. That is irrefutable evidence. He told me nothing else can be done that this was their " final decision ". When I thought things couldn't be any worse, they made my account go negative so I also lost my deposits of {$160.00}, {$160.00}, and {$50.00} because it went towards the negative balance because they reversed the credits that are MY MONEY! Now my car loan is past due and I am facing my car being repossessed! I can't afford to lose my car. I need it to get to my doctor appointments, pharmacy to get my medication and to get my XXXX treatments. Now my credit is going to be ruined as well! This is all due to Chime banks negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: CA
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:
Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the XXXX  and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: SC
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:
I have written Experian many time on these issues. 

They are incorrectly placed false names on my credit report. 

I have sent Certified Letters ' XXXX ( Name ) and XXXX ( Hard Inquires not known or giving permission ) I've also asked in the same letter, after removing these items I DO NOT want any Credit Freeze or Fraud Alert placed on my consumer report.

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 2023-02-27
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My taxes was taken so while trying see issue with I discovered I supposedly had a car loan with a XXXX XXXX  I never received any mail bout this are have any knowledge of this account my checking account had fraud alert they send me I having alerts credit cards someone trying get my name I don't own a car at all I don't even know what Truist Bank is I have tried contacting bank I don't know going on I never had vehicle with this people are agreed and sign any paperwork with them I was in XXXXXXXX XXXX for 2 years currently live Indiana this car loan agreement whatever I didn't sign are do I know what a Truist Bank is wouldn't even do business with that I need help IRS recommendation to put XXXX report here I also going contact Truist Bank again and credit bureaus I sent email to XXXX already because of a data breach they had

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 2023-10-23
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I apparently owe a debt company called debt recovery solutions. I called them 3 or 4 times between XXXX of XXXX. I asked them to give me any information on what my debt was from, since it just showed up on my credit report randomly on XX/XX/2023. First time I called I asked for any information on what my debt was from and the first thing they said was how would you like to pay. Second time I called, they told me they were going to email me the information and never did. Called them a third time and they told me they mailed it to me, but I dont recall getting a letter. I have also moved 4 times in the past XXXX years. TERRIBLE customer service, they are very pushyon the phone for payment. I wont pay until I know its a legitimate debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX, We received your Checking Account application, but we cant approve it right now. This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans ( like credit cards or mortgages ). This report was pulled on XX/XX/XXXX. 

We declined your application because your XXXX XXXX XXXX score is XXXX ( on a scale of XXXX ), which we consider to be a higher risk score. According to XXXX XXXX, these are the major factors impacting your score : The number of different banks inquiring during the last XXXX years Number of inquiries during the last XXXX days Our decision was based in whole or in part on information obtained from XXXX XXXX, a consumer reporting agency. XXXX XXXX did not make the decision to decline your application and is unable to provide the specific reasons about why it was declined. 

If you have questions about the XXXX XXXX report, you can get a free copy of it within the next XXXX  days. If theres a mistake on the report, you can dispute it with them. 

XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Phone : XXXX Website : XXXX XXXX XXXX I'm sure my identity has been stolen, I've been out of the XXXX. I have lived in XXXX for work reasons since XXXX, I just returned in XX/XX/XXXX, and I find that someone has been using my identity doing improper things, so I can not open accounts in any bank. I can prove that I've been out of the XXXX all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have mailed a letter to the XXXX collections and to the credit bureaus on a debt for an apartment complex that does not tie back to me. I have asked that they remove the debt from all 3 reporting agencies and the home leasing agencies. The information keeps getting updated with no legal proof that I entered into any agreement with XXXX collection agency. This is a clear violation, Hunter Warfield has failed to provide me with a requested contract that contains my signature, and not just a letter from them saying the debt is owed. That does not meet the burden of proof. Under consumer law all of the above listed companies are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have for over a year battled credit reporting agency 's and XXXX XXXX  for several accounts i did not open. i have provided police reports as well as identity theft affidavits to all 3 credit reporting agency 's as well as the creditors. I started with 8 accounts which there ae still 2 which I've not been able to clear my name. these would be XXXX and XXXX both by XXXX XXXX. i dont know what else i could provide them to help me clear my name of these accounts i really need your help to resolve this issue as I'm mentally drained and depressed over the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: OneMain Finance Corporation
State: IL
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive any information. The response said see attached. Nothing was attached. Again provide clarification, note that you have 30 days from the original compliant to provide me with written notification

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 2023-02-03
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:
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.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-04-27
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2022 I placed an application for credit with CarMax. CarMax proceeded to complete a transaction using my ssn and once the transaction was complete CarMax proceeded to violate my federally protected consumer rights by sending me an adverse action letter denying credit based on reasons specifically prohibited by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: HW Holding, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a balance with XXXX XXXX XXXX which is the original account owner and received acknowledgment of this when I moved out. 
I also recently spoke with XXXX XXXX XXXX on a recorded call and was told that they did not have any records on file of me having any dept with the company. 
Hunter Warfield is claiming that I have an outstanding balance which they are reporting to XXXX  and due to them reporting this inaccurate information it is ruining my credit. I contacted Hunter Warfield and explained to them that the original creditor doesn't even have anything on file of me having any dept but they still continue to report this inaccurate account to 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 2020-12-17
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:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to Experian, XX/XX/XXXX, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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

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 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX  on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, experian couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation