BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor CXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX - XXXX XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: OR
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, this creditor has violated my rights. UNDER 15-USC 1681 section 602 states I have the right to privacy. 15-USC section 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account, without my written instructions.

Under 15 USC 166 B A creditor may not treat a payment on a credit card account under an open an open credit balance as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a credit card debt that is from XX/XX/2014. The creditor is Barclays Bank. I was laid off in XX/XX/2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now Barclays refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.

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 2017-06-26
Company: CarMax, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a car from CarMax in XXXX of 2016. I had come into some financial problems which caused me to get behind with my payments. So they were going to repossess the vehicle unless I paid them in the amount XXXX. So I made two payments for the amount of the XXXX, but they closed my account and charged the account off. So I asked them if I made the payment would it cause my account to go back into the current status and they told me no. So my account has been charged off and I still have the vehicle and they are making me pay the monthly payments of XXXX each month. So I feel that they have already received payment in full when they charged off the account but they are charging me and they are getting double payment on a vehicle that I still have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Atlantic Recovery Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day multiple calls for months They have called my parents and my job, I am extremely mad at the disrespect and I will not give them a cent. They have harassed me with my employment and lawyers. 
Yes message solely intended here for a one XXXX her nail XXXX this is XXXX calling with Atlantic recovery solutions I'm actually just trying to follow up with you here regarding your XXXX  account at this point my client is ready to move forward him they wan na statement on file in order to address the lunch claim unfortunately due to lack of communication I do have to report this back to my client and they are going to be scheduling a verification of employment if you or your attorney can give me a call back directly here XXXX before my client contacts to XXXX XXXX XXXX my direct number you can reach me at area code XXXX extension XXXX  again that is XXXX to refer to case number XXXX if I do fail to hear back from you I wish you the best of luck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
XX/XX/XXXX I filed a dispute with XXXX  and XXXX about me not having any knowledge of account with XXXX, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this day.

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 2022-11-09
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS IS A MATTER THAT INVOLVES DISCRIMINATION ALL RESPONSES SHOULD BE IN WRITING TO THE ADDRESS ON FILE To Update the contemporaneous record on Paypal as this is not the first complaint I have filed ; - ) XXXX XXXX Withdrew {$400.00} from ATM using card ending in XXXX ( ok ) XXXX XXXX withdrew {$400.00} from ATM using card ending in XXXX ( ok ) XXXX XXXX tried to withdraw XXXX using ATM card ( NOT OK ) Prior to going to the same ATM the passwords were all updated in the paypal website after XXXX XXXX was denied at the ATM he used the ATM/Debit card to go to XXXX and also used the card to pay for his XXXX  Cell Phone bill XXXX. 

You be the Judge is this discrimation or NOT? This is not the first time this has happened either and it has happened at times when he was stuck in a bad sections of XXXX and was almost XXXX because of it. 

The last rejection for our loan which we have received many loans from Paypal and successfully paid them all back we did not receive a reason why we were rejected to the address on file here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
No matter how hard I try I am unable to talk directly to my lender. Everything that is provided to me is for an additional third party company. I have also never been provided with any recent disclosures. Their rules constantly change and they have never provided me in writing any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
These are not my accounts, nor did I authorize these companies to run my credit. I am in the military and have always gone to my own credit union with XXXX to get my loans.

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: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid 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 am a victim of fraud as a credit card ( COMENITYCAPITALBANK/IKEA PROJECT CREDIT CARD ) was opened in my name and charged without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: BROKER SOLUTIONS, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with New American funding and was set to close on a home in XXXX. I was pre approved then seven days before I was to go to settlement, and after putting out over XXXX dollars, I was contacted by the loan processor that they were not going to fund my mortgage due to me failing to disclose a foreclosure. The based their opinion on my divorce settlement agreement which in the state of NJ I had marital right to the property even though I was never on the note to pay. I tried to explain this to them and they would not let me explain. I lost out on that home and am still out XXXX to the seller. I am now in the process of obtaining an FHA mortgage on another property and was just informed by my new lender that New American Funding disclosed that information to FHA and it is now in their system that I had a foreclosure which I do not. The note was never in my name. My ex husband has tried to reach out to the title company and mortgage lender to obtain a copy of the note and neither companies are in business anymore and since the note is not a disclosable document I have no way of obtaining that information and am due to close on my new property next week. I emailed New American Funding to have them remove that note and they stated they would not and that " the note and the mortgage are one in the same ''. They have already cost me XXXX dollars that the original seller will not reimburse me and now my new property. I would like to know what can be done to rectify this issue so that I can obtain a home for my children and myself. I am currently homeless and living with a family member

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: AZ
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns

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 2022-03-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When it came time for me to finance a mortgage on my home, I thought it would be best to go through the bank I have my personal and business accounts with for over 10 years. XX/XX/ 2021 I applied for a mortgage with Wells Fargo. I provided all the information and documents they asked for within a week. A few weeks went by and I heard nothing. I called on several occasions to finally get a hold of someone a month later telling me my application could not move forward and nothing more. I was so hurt and confused as nothing had been communicated to me as to why. I felt I was stuck in the mortgage I was in and almost too devastated to move on until a friend suggested to at least try another lender. So I did and I got approved. Nothing on my end change and the company actually processed my application and communicated with me.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received my reinvestigation back from Experian, XXXX and XXXXThey said everything is 100 % Complete and Accurate. I would like to receive the description of reinvestigation procedure According to the FCRA 15 USC 1681i ( XXXX ). 

Because the list of account below are NOT ACCURATE.The Open date, date last active, account type, date last payment, past due, Balance, High Credit is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( XXXX ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.

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 2022-11-09
Company: American Credit Acceptance, 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: Credit inquiries on your report that you don't recognize

Complaint:
Greetings in reviewing my credit file I noticed three auto financing companies that I did not give permission to pull my credit. ( see below companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX credit bureau on XX/XX/2022 ( fraud dept ) was informed to contact the finance company directly. Upon contacting American Credit Accept, I was informed they are unable to help me with the dispute since I am not their customer. In addition, I was told dealerships will sometimes fish the application for financing to multiple companies. I do not see this as fair, if I did not give each of the above companies direct authorization for a hard inquirer. 

To make things equitable in these scenarios with car dealerships, can the CFPB require an additional form to be signed by consumer giving authorization to conduct this practice. 

Can the above inquirers be deleted from my credit file it is extremely affecting my credit score? 

I greatly appreciate your assistance with this matter. 

XXXX XXXX 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 2022-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
Talked with XXXX on XXXX about 3 accounts that should be deleted from my credit report and I have disputed with all three credit bureaus, only to come back verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a hard inquiry from Synchrony financial on XX/XX/2018 but I haven't applied for a credit card or a loan with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my 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 2022-12-14
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a phone online from boost mobile on XX/XX/2022. I did not like it, and returned it on XX/XX/XXXX. I got a notice of delivery approx XX/XX/XXXX. To the factory. It was in perfect condition. 
XXXX refused to deal with this or refund me. 
I went to NetSpend to see if they could dispute it. They gave me XXXX credit for the refund. XXXX XXXX. 
Posted on XX/XX/2022 at XXXX PM Debit : Adjustment for Claim # XXXX - {$130.00} That is the withdrawal of the refund they issued sometime in mid XXXX for that amount. 
I returned the phone in perfect order, with all parts and receipts in original box. No one assisted me at boost customer service, or in store. 
It is wholly unfair that NetSpend reneged their refund without any reason to me 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 2023-02-22
Company: Experian Information Solutions Inc.
State: MD
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}

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 2022-11-09
Company: Flexible Finance, Inc.
State: MI
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 this creditor " FLEXIBLE FINANCE '' has violated my rights. Under 15 Usc 1681 section 602 states i have a right to privacy.

15 usc 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation