BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I attempted to transfer {$7.00} ( as shown as my available balance ) from PayPal to PayPal Credit as a payment. I received a confirmation email shortly afterwards. 

On XX/XX/XXXX, I received an email from PayPal stating that my payment has been " returned '' without any exact reason and said I'd be " charged a return check fee of up to {$27.00}. '' Now the transaction doesn't even appear in my PayPal activities and they have stolen the {$7.00} as it doesn't appear anywhere now. 

When I attempt to resolve the issue with PayPal, their " Customer Service '' is non existent. I waited over *4 HOURSXXXX on hold with no answer. This is an unacceptable way to conduct financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CarMax, Inc.
State: GA
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:
CARMAX AUTO FINANCE is reporting an account as a charge off to my consumer report causing defamation to my character. CARMAX AUTO FINACE has filed a 1099C Cancelation of debt with the IRS for this account and is attempting to collect the same amount they wrote off from me on a written off debt that they were paid for. This is tax fraud and I will report you to the IRS. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. CARMAX AUTO FINANCE is attempting to extort me my furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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 confidentiality under 15 USC 1681. Account name : Dept of EdXXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: PA
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:
To Whom It XXXX Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 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.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date Of XXXX XX/XX/XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Ladies and Gentlemen, This memo is being written in hopes the Hard Inquires in questioned on our credit reports will be removed as soon as possible. In XXXX of 2021, myself and my Registered Domestic Partner applied for a loan from Navy Federal Credit Union. We are both members and felt this entity would give us the best rates. We paid for a credit report and found out later ( about a month ), the credit report was done twice XXXX XXXX and XXXX XXXX. The loan agent that we were dealing with via email never responded to our questions regarding the second hard inquiry placed on our credit report, nor were we getting any responses from the loan officer regarding the status of the loan. In late XXXX of 2021, we went to a nearby branch and complained that we had not heard from the loan officer and had concerns regarding the hard inquires placed on our credit reports. The Manager at the XXXX XXXX branch informed us that Navy Federal Credit Union no longer had Mortgage lenders inside of the branches, and she would take our complaints to the loan officer 's Supervisor, and someone would contact us as soon as possible. It was two weeks before we received a call from ( XXXX XXXX ) Supervisor ( XXXX XXXX ). XXXX XXXX apologized and stated they were super busy, and that the second inquiry was a mistake and she would have the entry masked. " The entry has not been masked ''. 
Although, they both started requiring more information from us, we never spoke with either one of them over the phone, all of our correspondences were via email only. The first extra entry dated XXXX XXXX remained and I started calling and emailing with no response until I contacted XXXX and started disputing the entries. There are now four extra entries dated XXXX XXXX, XXXX XXXX, and XXXX XXXX. We only authorized the XXXX XXXX inquiry. The others were done without authorization, and they never explained why they were doing these extra inquires without explanation or approval. Once, I started calling XXXX and disputing the hard inquires the Manager ( XXXX XXXX ) started emailing me and denying that the inquiries were made by her or the loan officer. When disputed through XXXX the company simply stated the inquiries are a factual record of file access and will remain on the XXXX credit file for two years from the reported date of inquiry. Please help us to resolve this matter. They were not given authorization to make more than one inquiry into our credit profiles. Thank you so much for your time and patience. 

XXXX & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX unauthorized XXXX charges totaling {$1800.00} were taken from my checking account. I should have noticed earlier but I didn't. I did not make these charges. I did not authorize anyone to use my bank account to make these charges. As soon as I realized what happened, I went to Bank of America and was told that I had to call customer service. I filed a claim with Bank of America and it was denied. I appealed that claim but was ultimately rejected. The letter I received from them said " The charge was authorized by you or made by someone who has permission to use the card or account. '' That is not true and they did not provide me with any evidence to the contrary. The customer service representative said that I was liable for the charges because I have previously used XXXX ( a total of 9 times, totaling XXXX since XX/XX/XXXX and used it 1 time during this time period and I excluded that XXXX charge from my claim ). I submitted help requests to XXXX and each time received email responses that contained no message ( see attachment ). I requested details from my XXXX account and submitted those to BofA but they denied my claim. I attached the XXXX trip data. I did check my bank account balance on the app during this time period but I did not look at transactions. I certainly would have caught this much sooner if I had but I didn't. I was only concerned with making sure I had enough money in my account for whatever purchase I was going to make. I never considered that someone would steal from my account. I feel that it is unfair and unethical for Bank of America to deny my claim. My claim was within the 60 day reporting window. My bank statement that contained an unauthorized charge was dated XX/XX/XXXX. I reported this on XX/XX/XXXX. That is 44 days. Thank you for looking into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX sold my loan to Nationstar while I was in a modification. After 5 years, as per mod agreements, interest rate was to go from3 % to 4 % for a year, then 4.5 % until term. The payments at 4 % would be too much for me because of lost income and other events. XX/XX/XXXX I applied for another modification with Nationstar. It was approved, but I would n't know the terms until finished with the trial payments. Every month or so I will be assigned a new " loan specialist '' to help with my issues, but to date, never once spoke to the person assigned to me. every phone call I made meant I had to start over and every person I spoke with offered a different version. I was told by Nationstar staff not to worry about XX/XX/XXXX payment of {$5200.00}, to start XX/XX/XXXX with the trial payment of {$3600.00}. I paid on time all the 3 trial payments. Before that, I had never been late. XX/XX/XXXX, I was reported delinquent to the credit bureaux. My credit score went from XXXX to XXXX. I contacted Nationstar. They retracted it but never sent me documentation. Some of their staff told me they did n't report me. But again they reported me XX/XX/XXXX. 
My 2nd issue, I have n't been able to sign the mod agreement because they added my husband 's name to the loan. We are not legally divorced, but his name has never been on the mortgage and I am unable to locate him. I 've always held the mortgage alone and prior mod with XXXX had not been an issue. His name is on the deed. I was told by Nationstar it has to do with regulations from the town I reside in ( XXXX XXXX XXXX , NY ) I went to the town and was told that is not so. Any insight on this issue? All alone the 've been dealing with me and me alone. 
My credit score now is so low that I can ' even think of refinancing, because I do n't think Nationstar deserves my business. Also, the new terms of the loan is for 40 years when I only had 10 years left. I am XXXX now. I ca n't get them to write that there will be no pre payment penalty. I feel so lost now. 
Please help and advise. 
Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

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 2023-11-10
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. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
i have been making payments since 2013. I qualify for Public Service Loan Forgiveness because i work for XXXX XXXX XXXX XXXX. i have tried to call aid advantage but they are closed. i am on XXXX XXXX so they are unable to answer my calls. online they are showing that my loans are in forbearance/deferment?. this is a surprise to me because i have been making payments since 2013. i am also in a income driven repayment plan but i have not been in forbearance. i have been having issue ever since my loans were moved from XXXX to aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-01-30
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. 

Kind regards,

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 2023-11-10
Company: EQUIFAX, INC.
State: MO
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:
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.

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