BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have attached an FTC report with accounts I did not authorize which are fraudulent, please delete them asap

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 2021-10-20
Company: CarMax, 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:
This is for a closed account. 

The company reported incorrectly late payments in several occasions. 

The company refused to give me the information about payment dues. Their website doesn't work while traveling abroad for work. I sent them many request via mail, fax, email, with no response about the issue. They never call, sent letters, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
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:
Good Afternoon, I am e-mailing regarding my XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX - there are XXXX fraudulent charges on my account between XXXX XXXX XXXX and XX/XX/2020. The fraudulent charges are as follows : XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX , NY XXXX XXXX XXXX ) XXXX - Sale : {$230.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX - Sale : {$540.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$860.00} Total : {$2400.00} I firstly want to mention how disappointed I am with the lack of attention and effort I have received thus far from Chase support. I have repeatedly called with no solution in-sight and can not fathom why this I am being pushed to such lengths for what seems to be very obvious fraudulent activity. 

I live in XXXXXXXX XXXX XXXX, far away from any of these towns mentioned. Not only am I distant from these stores, but also, I live in a city where there are XXXX XXXX XXXX in my immediate area. If you see the details of these transactions, you'll notice the proximity of these stores and notice that they were made in quick succession. Furthermore, my wife XXXX XXXX has a XXXX XXXX credit card that we use whenever making those type of store purchases. The other clear outlier is the XXXX in rXXXX where there was another XXXX purchase, the evidence could not be clearer that I did not make these purchases. 

To be clear, I will not be paying the totaling balance of {$2400.00} and I need this matter resolved ASAP. This is causing me severe stress and has been taking a toll on me since XXXX, when I originally brought this to the bank 's attention. I will be following up with this e-mail daily, plus I will be continuously calling until this is all fixed. I am appalled on the lack of customer service, especially coming from an established bank and company of which I've been a customer of for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I bought some furniture from Ashley furniture in XXXX bought almost XXXX of furniture for a new home and asked to not add protection plan for XXXX I didnt think nothing off it then the furniture started pealing and I went to the store they asked me did I have protection plan I told them no and the employee ended of still checking and advised I had it and my response was wow I dont know if thats a good thing or bad thing so I went home and filed a claim, sent the pictures and was denied as if it was my fault I reached out to Synchrony to dispute multiple times of the amount because it was not supposed to be there and then later the charge came back reached out to location XXXX GA XXXX to a representative almost XXXX min of my life where I bought it from never can get in contact with store XXXX its always something she assured me the XXXX would call back I have been to location and still no success so I finally went to XXXX Ga XXXX XXXX to someone named XXXX she XXXX extremely helpful I advised if she could please reach out to her store XXXX on what to do because upon calling the Protect All By XXXX company back XXXX of the representatives advised you should get your money back you didn't use it and the store should refund you store XXXX got in touch with me and advised it was already a complete sale the warranty company should help with that point of sale ok so I reached back out to warranty company spoke to XXXX XXXX and XXXX advised she would reach out to corporate to request a refund well never heard anything back reach back out week of XXXX told me to wait reached back out to warranty they advised give it more time then called warranty back to speak to XXXX XXXX and was XXXX XXXX was down and XXXX would call back XXXX did not happen called today XX/XX/XXXX spoke the XXXX and she was extremely nasty and not willing to help at all pretty much gave me the option to figure it out so I am requesting my money back of the protection plan of XXXX or credit back to my XXXX Synchrony account

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 2023-09-29
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2023 I was travelling to XXXX and have a charge for the unauthorized amount of {$480.00}. I contacted Wells Fargo who promptly rejected my fraud claim, I have a pending dispute case open with them but they claim it will take up to 90 days. They cancelled my card but will not refund me the money. I'm travelling so can't take calls on my phone number, please call 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 2023-10-02
Company: EQUIFAX, INC.
State: OK
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:
previously disputed XXXX XXXXXXXX account ; late payments reporting in violation of heros act late payment dates : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting acts, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXX XXXX XXXX XXXX 2. DEPT OF ED XXXX XXXX XXXX 3. DEPT OF ED XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX  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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was struggling already by the end of XXXX with Covid-19 setting in across the world. In order to pay off some debt until my income tax check arrived, I accepted an installment loan from Speedy Cash for {$680.00}. I made sure that I could pay the loan off early once I had the available funds and avoid the ridiculously high apr. If not, I would pay back nearly {$1500.00} for a {$680.00} loan! I made a very single payment up until XX/XX/XXXX when I used a balance transfer offer on my new XXXX XXXX to pay off the balance. The payoff amount was listed my main account page, the only amount other than payment due listed in the very limited information about my loan available online. The transfer showed it had finalized on XXXX but speedy cash contacted me saying my installment was in default. I emailed them back notifying them I not only had made the payment but that I had paid my loan off in full and submitted picture proof of the transaction. The confirmed receipt of the funds a few days later. Well now they have resumed debiting my bank account and show that Im behind several payments and my new payoff amount is over {$300.00}!!! How can I still owe on a {$680.00} loan when I made every payment + a lump {$520.00} payoff amount back in XXXX. I had paid them {$1000.00} as of XX/XX/XXXX while I only owed {$650.00}. Why wasnt my loan paid off? And how in the world do I still owe over {$300.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: LFG Data Services Holdings, LP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: TN
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:
CHECKED MY CREDIT REPORT THEN NOTICE THAT ACCOUNTS WAS OPEN IN MY NAME THAT I NEVER KNEW ABOUT IM TRYING TO BUY A HOME AND THESE ACCOUNTS ARE STOPPING ME FROM HAVING A GREAT RATE WITH MY CREDIT UNION HOW CAN SOMEONE USE MY INFO WITHOUT ME KNOWING THIS IS CRAZY.

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 2023-09-22
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello. I noticed on my new credit card that I had an option to check my credit report. I found that it showed I owed {$6500.00} to ED Financial. I have never heard of ED Financial nor did I know anything about this debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I started XXXX XXXX in 2016. I contacted my school, Student Aid.gov and ED financial. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with ED Financial. I have never received ANYTHING from ANYONE about this debt. It has been 8 years and I only found out about this from pulling my credit report. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! My twin brother XXXX XXXX apparently has the same debt who just received for the first time in the mail something from XXXX. He will be sending the same dispute to you.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: EdFinancial Services
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off close to {$50000.00} in student loans in the last few years. Ed financial in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hard inquiries are on my credit report that I never saw before need this to be disputed of credit 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 2020-08-17
Company: V.I.P. MORTGAGE, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Vip mortgage XXXX Arizona is denying a mother who is XXXX XXXX and her children who are XXXX   XXXX a loan. They are stating the mother can't use her childrens awards letters as household income because she isn't the payee yet the children are her kin and the children are drawing from her social security. They all curently and have always lived in the same household. The mother is the primary caretaker. The father who would not be on the loan who is the PAYEE for all three and has no income due to fmla leave because of covid was told he has to be on the loan. Social security states a payee should not be on the loan even but vip mortgage in XXXX states i have to be. Social security specifies that a payee can use funds for the recipients to have a mortage. I belive they are looking at abilty to sell the loan later and denying it because it is an all social security. The mother has an 800 plus credit score, 25 % down, reserves, and no debt with a debt to income below 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I tried to apply for lines of credit several times with NFCU. I was discriminated every time, I know they go by an automated system that helps accept or discriminate, but my reports has been furnished for so long and when I try to speak with underwriters or financial admin I get the run around. 
Ive been a member with this bank for a while so while Im helping them achieve I feel like Im not being compensated with the same respect. I deposit with NFCU every month but I never see returns for the deposits. I havent been able to get not 1 loan from this person since our union began.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. 

The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. 

Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX 

A debt is being reported under my name, and I have no idea of what Synchrony Bank is- I have not ever had a bank account with this bank or a Synchrony Bank credit card. 

My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX XXXX XXXX XXXX XXXX  thus this could have possibly contributed to someone having my personal information in which to open this account. 

However, I have requested a contract, or actual documents but again ; XXXX XXXX XXXX has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.

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 2023-10-22
Company: Clearview Resolution Services
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, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the the rights to privacy.

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

15 USC 16665 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 response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for an Income-driven repayment plan on studentaid.gov on XX/XX/29. According to studentaid.gov, it was already processed and accepted by my servicer ( Edfinancial ) which is not the case. I can find no indication of it anywhere on my Edfinancial account, and they still have me on my original repayment plan. It's been almost two months so I ended up applying again a couple of days ago, but with payments restarting soon I worry it won't be processed in time.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-17
Company: LendingPoint Holdings LLC
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In was in process of selling home so the initial ach did not go through when initiated. I have tried multiple times per their emails to pay online. However the online platform WILL NOT ALLOW PAYMENT. It has processed subsequent payments but precludes me from paying online via the website. I don't see how they can force you to sit on hold for an hour and a half to try and pay something that you are told in writing can be done online. I even sent a final email to XXXX XXXX telling her the platform will not allow payment and I have yet tpo receive a response. Rather they prefer to retaliate by reporting me as being late simply for not going through and overtly burdensome process to almost seemingly discourage payment in order to report a consumer late simply to penalize me since this is such a burdensome process getting things corrected with these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reached out to XXXX to correct inaccurate personal information on my credit report. There is an address listed XXXX XXXX XXXX, XXXX XXXX CA XXXX. I asked for this to be removed, but the rep ( XXXX XXXX stated that it can not be removed, because the address is listed by a creditor. When I asked the name of the creditor, he stated American Express. I haven't conducted, nor ever received a statement, or any other business with American Express from that address. Also, American Express has the credit account as a charge-off, but they never sent me a XXXX. American Express is also selling my information to debt collectors without consent ( please see attached letter ). I need American Express to have that inaccurate information deleted off my credit report immediately. American Express is utilizing unfair credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My unemplyment was deposited with Paypal because I dont have an account. They are holding my funds even after I sent everything they've asked for. They say it'll remain on hold for 180 days. I've sent them more than enough to verify my identity and now they've stopped responding to me. This is very much illegal. My children are suffering thanks to them. I have no means to pay anything and I've told them so.

Company response to consumer: Closed with explanation