BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX US DEPT ED 4XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX  Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance 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 2022-10-05
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: Was not notified of investigation status or results

Complaint:
I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking EXPERIAN, XXXX, AND XXXX to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is 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 explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-05
Company: CarMax, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I received a letter from CARMAX AUTO FINANCE accusing I of an alleged debt with an fictitious name attached. 

Definitions from XXXX XXXX Dictionary 3rd edition : 1. Person- An individual or an organization. An individual man, woman, or child or, as a general rule, a corporation under the negotiable instrument law, an individual or a body of persons whether incorporated or not. 

The word person in legal terminology is perceived as a general word which normally includes in its scope a variety of entities other than human beings. See e.g. 1 U.S.C. Sec. 1. Church of Scientology v. U.S. Dept of Justice ( 1979 ) 612 F. 2d 417, 425.

2. Straw man- A dummy. An irresponsible bondsman or surety. One made to appear as the owner of record who in fact holds title for another. 

Per the constitution, ( Article VI ) The senators, representatives before mentioned, and members of several state legislators, and all executives & judicial officers, both of the United States & of the several states, shall be bound by oath or Affirmation, to support this constitution : Violations 18 USC 1341-Frauds & Swindles 26 USC 1275-other definitions & special rules 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666b-Timing of payment ( You cant treat any payment as late ) 12 CFR PART 1026-Truth in lending 15 USC 1666a-Regulation of credit reports 26 USC 6304-Fair Tax collection practices 15 USC 1666d-Treatment of credit balances 15 USC 1692c-Communication in connection with debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian continues to ignore the Bankruptcy Judges orders which was to have the Bankruptcy stricken from all credit bureaus after a 5 year period of time. XXXX, XXXX XXXX have complied but Experian continues to perform with inadequate investigations. What shocking is every investigations states they used a third party vendor to verify the accuracy of the information. The letters sent to me about the investigations mention XXXX and that I may contact them. I have contacted them and they have removed the bankruptcy from the XXXX report. I have provided all this documentation to Experian to no avail. Please have them do their jobs as this has a major impact on my interest rates for borrowing. They are ignoring the results of XXXX and the bankruptcy order. It has already been an 8 year process with this being on ONLY Experians report for 3 years Longer than ordered by the courts.

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 2021-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been approved for a loan modification, XX/XX/2020 payments have been on time for 7 months, now I get an XXXX payment returned due to lack of paperwork, I have try to reached out to SPS and each time a new answer, pending who answers the phone, even the onbudsman has conflicting information ; help I getting further define, as daily life happens and the mortgage is getting further behind, I not got a brand new answer one I have not heard. That I was to have 2 copies of the notarized papers.. what.??? Ok. Now I wait. Once these will be returned I can know it will be a different matter, no wonder the rating is 1 and most consumers would like to make this company a XXXX, Has been almost a year and they are still missing documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: DE
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 XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXXhas 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove the account XXXX XXXX from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my Transunion credit report. XXXX and XXXX have removed this account, but XXXX has failed to do so. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.

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 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account open with Bank of America that my sister and I would use to store funds for my parents as they're both retired. In XX/XX/2022, we were notified by mail that this account is now closed, without any valid explanation, and that there was an investigation. 

There was more than {$3500.00} in that account. 

I called multiple times and couldn't get any clarity on why the account was frozen or how I would receive the funds. All I'm told is that there's an investigation and that I should expect the funds to be mailed within 30 days, but we're easily past the 60 day mark at this point and the funds are still frozen. 

This has caused a major headache and financial strain for my family as these funds were used for daily essentials and bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: NJ
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:
XXXX/XXXX  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was defrauded by a mechanic shop and filed a claim with Bank of America in XXXX. I purchased a full Synthetic oil change and a complete engine tune up and the mechanic performed the wrong oil change and an incomplete tune up. When contacted, the staff apologized and agreed to fix some of the work and provide and immediate partial refund. When I went to the shop, the owner of the shop brushed off the other employees and approached me for a confrontation. He berated me and stopped the pending refund. His demeanor was aggressive and I honestly worried that, despite his advanced age, he would hit me. I told the staff the situation was unsafe and left. I contacted Bank of America about the failed repairs and was told I neednt worry. I also contacted the XXXX XXXX XXXX and a local association of auto mechanics about the problems. A short while later, I received an apologetic call from the mechanic, who offered me a refund if I returned to the store. Fearing for my safety, I told them that I did not feel comfortable returning to their property and had filed a claim with my bank for the work they had failed to complete. A few weeks later, I was provided with a temporary credit. Today, inexplicably, it was rescinded and the {$460.00} was withdrawn from my account. This is outrageous. A mechanic, who tried to physically intimidate me, failed to perform the agreed to repairs and I wasnt even consulted before they made the ruling. I would have provided accompanying documentation and possibly had the local police involved if they had asked.

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 2022-10-16
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I am not sure if anyone even cares about this, but I think it's time we start forcing these credit agencies to do better and rating peoples credit. 
My complaint is against Equifax as they dropped my credit score XXXX points just because my balances on my debt decreased. I am in the process of buying a house and trying to keep my scores above XXXX so when I close in XXXX I can get the best possible rate I can. I don't think it's fare the credit agencies can just drop your score that much for no reason other than you being a good credit risk. I am really sick and tired of these credit agencies using some XXXX bogus formula to get these scores and they have no rhyme or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I tried to purchase a XXXX XXXX XXXX Premium from XXXX XXXX XXXX in XXXX. A few days to the start of the first monthly payment in XX/XX/XXXX, I discovered that the purchase contract and the warranty contain significant material misrepresentation. Knowing that the mileage largely determines the price and the value of the car, XXXX, the finance department staff, reduced the mileage of the car from XXXX, XXXX miles to XXXX. XXXX miles. Then he inflated the price from the listed price of {$13.00}, XXXX to {$17.00}, XXXX. I informed Ally Financial about it by phone and in writing. They advised me to contact the dealer and work with them to fix the errors. 

When I contacted the dealer, they first apologized for it and promised to fix the errors and send me a new contract for me to sign. I waited for the new contract but it never came. I, visited the dealership 3 times to get the new contract but they did not commit themselves to doing it. So, I returned the car to the dealership. I updated Ally every step of the way and they told me they had made a note on my account. Ally later closed my account and I filed a dispute with my bank for my {$2000.00} down payment from the dealership, which was later refunded. 
However, for some reason, Ally reopened the account to make it look like I had financed a car with them and I am not making payments. I filed a dispute with XXXX and the account was closed. Again, Ally opened the account. This time around, claiming I owe {$16.00}, XXXX trying to make it look like a case of repossession but it is not because I was the one who returned the car and the keys to the dealership and requested my down payment, which was paid and the account was closed. 
This bad-faith behavior by Ally Financial has significantly jeopardized my XXXX XXXX and overall credit health. In fact, the last time they reopened the account, my score dropped by XXXX points. Clearly, this is not doing good business. I believe I deserve a compensation from this dishonest behavior by Ally Financial. I need your help with stopping Ally from continuing to use my information to report negative information on my credit report when they know very well that I do not owe them. Thank you.

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