BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/19 XXXX aka XXXX XXXX XXXX called a relative and asked for me. This company has never tried contacting me first. My mother stated the name of the person was " XXXX '', she blocked them and advised me of the call. I tried contacting them same day, some answering machine came on. Fast forward to XX/XX/19, I receive a call at my job ( where they don't have permission to call ) from a woman named XXXX XXXX on behalf of XXXX. XXXX stated that she was going to attempt to connect with with their " lawyers '' but the lawyer was " busy '', she then basically stated that they ( XXXX ) are threatening to sue me for a debt I allegedly owe. I asked her what the debt was and why she was contacting me and not XXXX, she then stated that they were hired to process the paperwork. I then stated at that time to send whatever they needed to, to my home address. XXXX then stated she would have we served at my home address and hung up. Today on XX/XX/19 I get another call from them at XXXX am CST. This alleged debt has never been verified from this company stating they're going to sue me. Please advise them to have the ORIGINAL CREDITOR send verification of debt to the address they have on file and to have XXXX stop harassing me on my work phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have sent in a copy of my driver license and social security card. I have asked that any other names and addresses be removed from my report. I was a victim of identity theft years ago and some names and addresses on my report are incorrect. It had been over 30 days. XXXX is the only report that has updated my name and address. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For XXXX collection This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
I believe my information are in someone else hands or was part of a data breach these inquiries dont belong on my credit file and I would like them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all XXXX of my credit files with all XXXX major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called 37 times from phone number XXXX, a number of Navy Federal Credit Unions,  between XXXX to XXXX on XX/XX/2018. This is excessive and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up an Amex XXXX  XXXX credit card with a welcome bonus of XXXX MR poitns after spending {$6000.00} within 6 months plus 10X restaurant MR bonus. However, recently an AMEX representative declined my welcome offer stating that, they popped up a warning window during my application saying 'based on my history of AMEX , I am not eligible for the welcome offer. And because I proceeded with the application, they now decline my welcome bonus offer. I am disputing this for the following reasons : 1. I did not see such a warning popped up during my application! I am aware of AMEX rule about the popup window, but I did not see it. It may be the system 's error that did not popped the warning. 2. I have a good history with AMEX. I have a lot of organic spending using AMEX cards, and I have never closed a single AMEX card. I don't understand why AMEX claimed my history was bad so they do not offer the welcome bonus offer to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with Experian and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.

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 2019-03-27
Company: EQUIFAX, INC.
State: MS
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:
Equifax and XXXX  are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank/ Victoria Secret began reporting a credit card account on my consumer report in XX/XX/XXXX without my consent. They then claim that I owe them a debt of {$510.00} from this credit card account when I never agreed to a loan with them. I entered into a consumer credit transaction with Victoria secret and this transaction has already been paid for thru my open end credit plan. I sent Comenity Bank a debt validation letter on XX/XX/XXXX and they sent me a letter on XX/XX/XXXX saying that they sold my information to a third party collection company XXXX XXXX.. This is in fact identity theft and fraud. Comenity Bank violated many laws including 15 USC 1692 ( a ), 15 USC 1692c ( b ). On XX/XX/XXXX I sent them a cease and desist demand which they received on XX/XX/XXXX and on XX/XX/XXXX Victoria secret sent me an email stating that they sent me a secure message through their online portal. This is a violation of 15 USC 1692c ( c ). The reporting of this account to the consumer reporting agencies XXXX XXXX an XXXX  is a medium of communication and Comenity Bank/Victoria Secret continues to report negative damaging information to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I have Written Trans Union regarding Fraud on my account. I have 3 accounts that are fraudulent. They are : XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ) .
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

I have a Detective working on the case and I have a Sheriffs ( police ) report and affidavit regarding these accounts. 

My XXXX Specialist called me, and after his investigation by contacting the creditors found these to be fraudulent as well and removed 2 Accounts ( optumbank/greensky was not reported with XXXX ) and 3 Hard Inquiries. I was part of the XXXX Breach where this all started. 

I am asking the CFPB to look into this with Trans Union so these accounts can be removed from my credit report which is hurting me and my family from getting credit tremendously. 

Please see attached Police Report and Identity information. 

My Sheriff told me to say that FCRA states a bureau has 4 days to remove these accounts once a police report and affidavit are shown as in section 605b. 

Than you for your help.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.

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 2023-05-04
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:
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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-02-18
Company: CarMax, 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: Account information incorrect

Complaint:
I fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. 
The company Carmax Auto Finance did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both XXXX and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from Carmax Auto Finance. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance Carmax claims I owe which is {$6500.00}, while XXXX shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian completely ignored my disputes and replied with a cookie-cutter response through their e-Oscar!! On XX/XX/2023 Experian received a certified dispute for all of the following : 1. Remove all the inaccurate addresses from my report- they retaliated by removing the accurate one and leaving the rest. 

2. Method of verification request for XXXX XXXX and XXXX- they sent me a 21day verified with no explanation or proof of how. 

3. Proof that I authorized inquires by XXXX XXXX, Experian Business Credit, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX- they completely ignored it. Experian thinks they are above the law and congress or that people who challenge their reporting are peasants!

Im honestly in shock at the predatory behavior by Experian! They knowingly and willfully are doing everything they can think of to violate the fcra and ruin peoples lives in as many ways as possible!

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 2019-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called to close my checking account on XX/XX/XXXX. I was told I would receive a check in the mail. I had not received the check so I called to follow up on XX/XX/XXXX. I was advised by the representative to call back on XX/XX/XXXX to reissue if I did not receive over the weekend. I called back XX/XX/XXXX to request reissue, which was granted. I had not received anything by XX/XX/XXXX, so I called again to inquire. I was told that I should receive by XX/XX/XXXX, and that the bank did not receive anything back from the post office, so the issue is likely with the delivery. I checked with the post office and they have not received anything. Also to note, I have never had issues with any mail correspondence for this address. 

I was advised that if I don't receive by XX/XX/XXXX that another check will be mailed, which concerns me because something clearly isn't working in that process.

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 2018-08-07
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018. I made at {$310.00} payment and on XX/XX/2018 I made {$210.00} payment and they said I never made a payment on XX/XX/2018. My bank statement says I paid it. Then when I call them they called me a lier. And other names. Even there statement I got on XX/XX/2018 says I made it. They want me to call my bank at XXXX XXXX to get my money they stole .i even sent them from my bank my bank statement and they still say I didn't pay even though it was on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am on my second payment cycle with Mr. Cooper mortgage and have had a double payment taken out. 

With just a short amount of research, I know that Mr. Cooper has been claiming they will fix this shortcoming since XXXX of 2021. 

I believe Mr. Cooper is a deeply dishonest company and Im frustrated to have to deal with this on my second month with them. Especially given the fact that they have a history of taking advantage of their customer base.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX XXXX issued me XXXX credit cards and I have had these cards for years. I pay all my payments on time. 

The issue is that the company does not report the correct balances each month and the balance they submit is always higher than actual balances and it makes my FICO Score go down and now I am tired of this happening and want it to stop. 

Wrong Balances on Both cards.

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 2023-07-14
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 explanation
Consumer complaint received 2019-04-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX misinformed me and by using what I consider a dishonest scheme, my payments over 9 years have not paid down my principal amount. My total payments to date have all been applied to interest. During that time I've made consistent payments by automatic withdrawals. It appears that without my consent, I was placed under a repayment plan that wasn't paying down the principal amount. 
I reached out to understand what was going on with my payments and I got no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief