BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TN
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:
This collection agency Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Account Type : Collection Status : Paid, was a collection account, insurance claim or government claim was terminated for default. 

Status Update : XXXX Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a few CFPB responses in regards to Bridgecrest and they have not been properly resolved by Bridgecrest. The Fair Debt Collection Practices is intended to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuse This includes Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit results from an awareness of the cost thereof by consumers. I have been deceived by Bridgecrest. This includes them providing false and misleading information during my consumer credit transaction. I am a Federally Protected consumer that has not received sufficient information on the verification of the alleged debt. Bridgecrest has threatened to disable/repossess property that is mine, continually attempts to collect on an alleged debt after I have sent a cease and desist 15 USC 1692c ( c ). It has been unauthorized use of my credit card in which I did not benefit from Pursuant 15 USC 1602 ( p ). Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Account information incorrect

Complaint:
To whom this may concern, Transunion you are reporting a highest balance of {$450.00} while XXXX is reporting a highest balance of {$440.00}. These numbers are inconsistent & are supposed to be the same if your are receiving them from the same creditor why are these numbers different?

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 2021-01-20
Company: Westlake Services, LLC
State: TX
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:
Items where illegally ran on my credit. Not giving consent to do so by me.! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/westlake financ XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XX/XX/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 2021-01-20
Company: CarMax, Inc.
State: TX
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:
Items where illegally ran on my credit. Not giving consent to do so by me.! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX carmax XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Early Warning Services, LLC
State: NY
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:
XX/XX/2021 XXXX dollars XXXX dollars XXXX dollars the bank is working on the investigation and they might reimburse the money to my account I sent money to zelle and my account is linked with my bank card and this was from XXXX some one said congratulations you are winning XXXX dollars and I will give you this money but then he said you g he ave to pay these certain fees to my account officer XXXX XXXX and XXXX total of XXXX I made these payments threw zelle and I never got XXXX but the guy blocked me off XXXX I asked him once to return back the money he never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: MARINER FINANCE, LLC
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : DPT ED/AIDVXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Select Portfolio Servicing, Inc. ( SPS ) and XXXX XXXX, XXXX I sent a letter to SPS on XX/XX/XXXX requesting consideration for a short sale. They responded by saying I had to fill out the application online and submit the required information. I filed the application through their website on XX/XX/XXXX. 
On XX/XX/XXXX I received notification stating that the application information was incomplete and that it had to be resubmitted within 90 days or I had to start over. 
The information submitted WAS complete. I've had an attorney working with me to get a response from them and he resubmitted the info himself. Since that time I have received numerous form letters stating the same things over and over - " submitted documentation is insufficient or information is still needed ''. This has been going on for 8 months and I'm no closer to resolution than when I started. These letters are simply a stall tactic. I have also sent letters to XXXX XXXX, the CEO of XXXX XXXX  and have simply been ignored. The letters were sent signed receipt requested and I have proof they were received. A letter was also sent to your office on XX/XX/XXXX and also went un-responded. I have an offer on the table for the sale of my home and I can't get anyone to respond or work with me on a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
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 you 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. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 explanation
Consumer complaint received 2022-07-08
Company: Innovative Funding Services, L.L.C.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Approved for auto loan XXXX 3.65 %. Signed initial agreement on XXXX which included a {$2100.00} warranty plan that was never discussed. Declined the warranty and my rate was increased to 5.1 %. 
Loan has been in funding since XX/XX/23. On that day I paid $ XXXX. Multiple outreaches to Tresl and manager with no answers. Today is XXXX. 
The seller has not been paid and Tresl provided a timeline of 4-7 days for funding. No payment. No explanation. Rate increase after declining warranty and terrible costumer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I called Chase to ask a question about my Chase Amazon Credit Card. 
I asked the representative to assist me in scheduling the XXXX payment, due on XXXX/XXXX/XXXX. The full amount due was to be debited from my checking account. 

The rep read me the statement, on a recorded line, and I did authorize the balance due in full ( {$500.00} ) to be paid on the due date of XX/XX/XXXX. The confirmation number is XXXX. I asked the rep to please confirm the payment would not be taken until XXXX. I had just paid the XXXX balance in full on XX/XX/XXXX. 

The {$500.00} was deducted from my checking account on XX/XX/XXXX. I called Chase immediately and reported the issue, asked them to listen to the recorded call. I did not authorize this payment on the date it was debited. 

I asked to speak with a supervisor ( XXXX ) who told me it would take 5 business days and I asked for the monies to be returned sooner. She hung up on me. 

I then called Chase Corporate to make an Executive Complaint. I spoke with XXXX, ext. XXXX, telephone XXXX. I asked for an incident report reference number and it is XXXX. 

This time I was told there would be an investigation and it could take 14 days to resolve. I stated it was their error of taking the money too soon -- -I did not AUTHORIZE ANY DATE FOR THE PAYMENT EXCEPT FOR XX/XX/XXXX. 

This was the mistake of the Chase Rep and I simply wanted the money returned to my checking. I also take issue with the supervisor, XXXX, hanging up on me. 

Can you please expedite the return the of he money to my checking? I NEVER authorized this payment on the date it was taken -- that date is still 2 weeks away. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
-Opened a CitiBank savings account Online early XX/XX/XXXX. 
-Total deposits of appx {$17000.00} were made by a Bank to Bank Transfer ( XXXX XXXX to Citi Bank XXXX 
-Prior to XX/XX/XXXX I was able to successfully withdrew 2 small amounts from the ATM using the Citibank supplied savings ATM card ( No more than {$500.00} total ). 
-On XX/XX/XXXX, attempted a third withdraw, at the ATM and the ATM machine indicated my account was unavailable. 
-Immediately ( XX/XX/XXXX ) I contacted customer service who advised me to call the Fraud department -I then contacted the Fraud Department, who advised me that my account was " in foreclosure '', but they could not tell me why or how to get my funds. They explained I would be contacted, by mail, in 30 to 60 days. -Over the next 60 + days, I have contacted CitiBank Customer Service ( XXXX ) and Fraud Department ( XXXX, Opt 2, Opt5 ) more than 15 times -Each conversation has resulted in the agent either explaining " 30-60 day by mail '' or simply hanging up. All Citibank representatives refuse to connect me with a supervisor or advise another contact point to help me understand the status of my account. 
-Prior to closure, my account had a balance of {$16000.00} -When I call the automated line now, my account balance is ( negative ) - {$16000.00} -My online access is deactivated and I no longer have access to my account number as of XX/XX/XXXX. 
-Through my 15+ discussions, I have been told various information from getting " a letter in 30 to 60 days '' to Getting a Check in 30-60 days, to being told I would not be getting a refund at all. My latest conversation, the customer service member indicated my balance was still in the account and had not been moved, but I can not verify that through any electronic means. 

Now after more than 6 months of attempts to regain my account and/or funds, and also filing a complaint with the OCC, I have received a letter from CitiBank saying they have determined the funds are not mine and they have closed my account and will not release any funds to me. The letter states the case is 'closed ' and they will no longer respond to any further inquiries. 

This was a very simple savings account with only 2 Bank to Bank Deposits for my daughter 's college savings. Now I have no access to the money and CitiBank has stolen the funds and will not return them. 

Attached files : Citibank Responses Claim to OCC and Appeal to OCC Evidence of Transfers from XXXX to CitiBank

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 2023-01-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have multiple accounts XXXX Wells Fargo including a checking, savings, mortage and LOC. This morning I logged on an paid XXXX bills, and transferred money from my LOC to my business checking account. In order to do so I was sent a code via text which I entered to effectuate the transactions. 

Nonetheless, afterwards for no reason my account access was frozen on the ground of " unusual activity ''. But there was no " unusual activity '' : I went on line, was verified and made several transactions to pay bills and to transfer money from my LOC to my business account. 

I am not sure what is happening at this bank but it seems highly unfriendly to its own customers like myself. There is no legitimate reason for the bank to have restricted access to MY ACCOUNTS necessiating me to call monday morning to clear up an issue the bank created. 

I'd like for you to investigate the basis of why my on line access was frozen. 

Thank you 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.

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 2021-01-19
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: Investigation took more than 30 days

Complaint:
TransUnion claims that I send additional information on my current dispute. However, they're attempting to combine two separate investigations with additional 15 days. I never send the same dispute for additional information.

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 2022-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: OH
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/XXXX I paid in full for 11 accounts from XX/XX/XXXX for a total of {$2100.00} I disputed the collections and uploaded the same receipt im sending you. 2 of the accounts were deleted off my report but there are still 3 that are still on there and shows as a negative even though its completely paid off and closed. the dispute came back with accurate but still not removed. 

I also contacted XXXX XXXX XXXX  about this and they said they don't do anything but report to the agencies they cant remove items that's up to the reporting agency. 

I'm trying to get my first mortgage so i'm trying to clean up my credit that is why i'm asking the credit bureaus to delete the info so that my score goes up. when i spoke to experian yesterday they said it has to stay on my report for 7 years which is not correct if 2 already came off. i'm trying to do the right thing here and need your help to get these removed from my reports any XX/XX/XXXXXX/XX/XXXX on the reports.I don't see them on XXXX anymore so its just experian andXX/XX/XXXX 

On XX/XX/XXXX I paid in full {$170.00} for XXXX XXXX same as above still on report on XX/XX/XXXX i paid in full XXXX XXXX {$140.00} same as above paid, closed but not removed and lastly XXXX  shows that I still owe for a car loan that was a judgement that was dismissed in court and i sent the court order and is still under collections and has not been removed or changed documents uploaded to show the accuracy. 

Thank You 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 2022-04-28
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

15 USC 1681 A. section 602A. States I have a right to Privacy.

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

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