BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NC
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX//2022 ; XXXX XXXX XX/XX//2022 ; XXXX XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wanted to open a brand-new business checking account with Navy Federal Credit Union XXXX I was told I was unable to open account because, of a bankruptcy that was filed in 2002. They allow me to open a savings account but not a business checking account. I advised the phone agent that was over 20 years ago, and she said it didn't matter. She then proceeded to provide a listing of all accounts that were included in the bankruptcy filing which, I didn't request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$27000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My EDD unemployment XXXX. Stimulus.XXXX, XXXXMy Taxes.Everything of mine.HELP, Mortgage, Auto loans I don't have the names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my XXXX report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2021-12-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went into the XXXX and XXXX branch to change my checking over to my revocable trust. The teller said I had to make an appointment for this. She made the appointment for me for the following day at XXXX. I showed up the next day at XXXX. The teller told me to wait in the lobby. I waited for XXXX minutes and no one came to help me. I got up and left. Why do I have to schedule my day around this nonsense? If banks are forcing appointments upon their customers, they should honor the appointments they make. This is for the XXXX XXXX XXXX branch in XXXX CA.

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 2021-08-29
Company: EQUIFAX, INC.
State: CA
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:
Unauthorized Inquires and did not give consent for Equifax to report these on my credit file under law ( 15usc1681b ( a ) ( 2 ) ) I do not give consent, authorize nor benefit from the following inquires and they must be removed immediately. 

Furthermore, I did ask for verification on the alleged inquires and have not received a response back been over 45 days. 

Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX-Card Service ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) Alleged Inquiry : Equifax Mortgage Ser ( XXXX ), ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
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: Information belongs to someone else

Complaint:
Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a member of XXXX  and they continue to show me reasons why I should leave. In late late last year, I took out two small loans. The were both paid on time and paid off. They were paid off in XXXX of this year. To date, they both still are reporting inaccuracy on my credit report, as open trade lines, which they are not. I have called the XXXX XXXX, 5 times trying to resolve this but I simply get nowhere.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2018-08-13
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and GM FINANCIAL with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bank of America and XXXX of California closed my debit card said I requested new one.. that a lie they sending new debit card with my name on it to lady in california... Bank of America did this giving new card I did not ask for now can't reach anyone debit card on way to name address I don't no

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 2021-08-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CarMax, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Madam or Sir : I am writing to express my objection regarding my CarMax Auto Finance Account XXXX which shows negative marks ( late payments ) on my XXXX as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, Car Max with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written Car Max to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why Car Max should  continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to Car Max and in fact paid off my account in full to Car Max nearly two years before the loan maturity date. It is the failure of Car Max to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by Car Max. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from CarMax in the form of their deleting their reporting from the Transunion and Experian agencies. Otherwise, I think CarMax owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my XXXX and XXXX reports or to delete my CarMax account from my XXXX and XXXX reports entirely. 

CarMax Auto Finance contact information is : CarMax Auto Finance Attn : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how CarMax will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Only XX/XX/XXXX, we recieved a phone call from National Credit Systems stating we owed them {$160.00} based on a collected from our previous landlord. Because we didn't believe we truly owed them money, we asked them to send a verification/proof of this debt to my husbands email. That email never came. A week later, we recieved another call, and again we told them we would not pay until there was proof. This time, I took it upon myself to send a " proof of debt verification '' to their P.O. box. That was on XX/XX/XXXX. They have up to 30 days to reply to this proof of debt letter. After sending that, we continued to recieve harrasing calls from them. Finally, the 30 days had gone by and we continued to recieve phone calls from them so I send an email stating that the 30 days to prove we owed them {$160.00} had passed, and they no longer had any legal grounds to continue calling us. I also sent that via an email. I did not receive a reply to that email. We continued/continue to recieve phone calls from them with no proof that we owe anybody any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Americas Car-Mart, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a used vehicle from car mart in XXXX Alabama the next day the vehicle breaks down and I bring it back they would not cancel the finance instead they say they will repair it well after it being gone for months I get it back mind you paying them for a car I didnt have it breaks down again i never even had a chance to buy a tag for it. They the. Refused repair and I told them to fix it or give me another and they refused both I then told them I will hold payment until its resolved they then repossessed the vehicle and sold it and reported it to my credit. But even when I bought the car no loan was reported no payment were reported so how can they report a balance due for the full amount of the vehicle?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Kikoff Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX and I have had a kickoff account created without my knowledge. Whilst talking with my family about building my credit my daughter unknowingly signed me up for the kickoff credit builder. While checking my credit score I noticed 2 late payments reported to the credit bureau of {$2.00} each. My daughter told me she was just trying to help me with credit building, seen this service on social media but really didn't understand the process of this company. So now knowing I had this service opened in my name and late payments of {$2.00} bucks destroying my credit score I disputed this credit account with XXXX to no avail as I also explained this dilemma to kickoff rep via email and they stated nothing about me not actually creating the account but emphasized if I close the account it will go on my report as a negative credit card closure and destroy my credit even further so I had no choice but to download the app myself and start making payments of {$2.00} and {$5.00} dollars a month just so kickoff wouldn't report I closed my account. Ever since I found out about this account and unable to prove I did not open it in the first place I have paid every payment on time, every month for the past year. With that explained I beg for help for kickoff to please remove the 2 late payments that were missed when the account was initially opened. 2 payments of {$2.00} were missed but again I didn't know I had a kickoff Account. Lenders see these missed payments negatively. Please help me with this issue. Ty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation