BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
These individuals seem to knowledge of my passwords and passcodes of my usual credit reporting agency.

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 2023-06-29
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Carvana Group, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX I purchased a vehicle from CARVANA which this XXXX claims to have a easy and next day delivery process XXXX weeks is very unacceptable for a vehicle to be delivered first problem was the vehicles couldnt be registered in Massachusetts because they didnt renew their regulations for the state, which is absurd because this is a car delivery service unacceptable. This process has also costed me financial stress due to constantly rescheduling this vehicle delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Chime Financial Inc
State: CT
Product: Credit 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:
I made a purchase on XX/XX/XXXX from XXXX XXXX  for {$76.00} the product was showing delivered by the post office however it was delivered to the wrong house because I never we received it. I put in a claim with the post office and also Chime bank back on XXXX XXXX. Chime is telling me I need to wait until XX/XX/XXXX to be credited the {$76.00} which I find ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had an account with Capital One that received several fraudulent charges. I disputed the charges and was refunded the money. I called to close the account and received confirmation from the representative that the account was closed and that the remaining balance would be sent to me. Nothing came to me. 
I just checked into the account that was supposed to be closed. It is not closed. It has been open for several months. They have been charging me fees and using the balance to pay for them. Furthermore, there is a fraudulent charge in the amount of {$310.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied inXX/XX/2022. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/XXXX the balance still reflects {$710.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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:
the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Updated XX/XX/XXXX >Sold ; was Charged-off< Date Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act the XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, 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

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 2020-12-05
Company: AXOS FINANCIAL, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the third complaint about the same issue for a transaction dispute with axos bank. I have received a response from the last complaint the bank has provided me with documentation from the merchant XXXX, However this doesnt validate my claim. It shows the information on the transaction but NO PROOF OF DELIVERY. As I have stated several times in the past NO MERCHANDISE WAS RECEIVED. The corresponding documentation from the merchant does not show any proof of delivery for merchandise. Also please re review my documentation with the merchant stating they will refund me for the missing merchandise. I STILL HAVE YET TOI RECEIVE THIS REFUND FROM AXOS BANK NOR THE MERCHANT. BOTH PARTIES ARE LYING TO ME. axos bank is refusing to help in disputing the transaction to retrieve funds bank from XXXX even after stating the refund has been processed several times ( see documents ) AND OR axos bank has received My refund and has yet to return it to me as they ending the banking relationship. I HAVE PROVIDED ALL PROOF OF DOCUMENTATION NEEDED FOR THIS CLAIM. XXXX XXXX has provided return policy and that no item was returned. I CAN NOT RETURN WHAT I NEVER GOT. Also they have agreed to refund me for this. As documentation shows. I am unaware of the lack in communication here and what involved parties do not understand, after several attempts to get documentation from axos and after reviewing it appears the dispute was filed incorrectly or someone is just not getting it. This is MERCHANDISE NOT RECEIVED. AND the merchant promised a refund for the issue. Am I not getting it? I am unsure why the last documentation is talking about no item being return no credit is due dispute is invalid. Review my documentation that XXXX promised me the refund. Has not provided any proof of delivery. And axos is not helping in the matter,. XXXX XXXX XXXX if someone can reach out to me I would appreciate it. There is STILL NO VALID DOCUMENTATION OF DELIVERY CONFIRMATION OF MERCHANDISE NOR PROOF OF CREDIT ISSUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from a current creditor PayPal Credit c/o Synchrony Bank in which they sent a letter explaining they lowered by credit limited  on XX/XX/XXXX. This is not a big deal, however, the concern is on XX/XX/XXXX this creditor completed a soft credit pull without my permission or consent. I never asked for a credit increase for them to do so. I called to speak to the manager and the only response was it protocol for them to do that. I believe that my rights have been violated if every creditor had this power then what's the point of giving consent

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 2020-10-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am working with Freedom Mortgage on a refi that they have with my existing home. I have asked and called and begged to close on this property. We were schedule to close in XXXX. We decided to move to a 30 year mortgage and were told no problem. We were then threw into a " recovery '' department that does nothing but sit on a file. I have a loan consultant, XXXX XXXX, that we have asked to speak with numerous times and left countless phone messages for with no response. We finally went back thru underwriting were scheduled for closing today XX/XX/XXXX at XXXX. When we had no one show for closing and 1.5 hours later I called to ask why, I was told that closing was cancelled and no one informed me. The reason we were told we were cancel was because we were missing a document. OK, then call and tell me what document or call and tell me we are rescheduling. This is becoming burdensome. I think they say get the cheap interest  and then they play you along until they can raise the interest. Interest has dropped since we started this in XXXX and we were told we are locked in until 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 2020-10-20
Company: MONEY SOURCE, INC., THE
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter dated XX/XX/2020 from '' XXXX XXXX '', informing me in this letter statement : " This letter is to inform you that we have received the request and will begin withdrawing the monthly mortgage starting on XX/XX/2020 ''. This amount was to be withdrawn from my banking account using my routing number and banking account number. But then I got another notice from " XXXX XXXX '' saying that " The Money Source '' ( TMS ) will begin excepting payment and managing my payments on XX/XX/2020. It turns out that TMS debited the mortgage  payment out of my checking account on XX/XX/2020. It used my banking information that it had on file from the previous times of me making my mortgage payments to TMS, that were set to auto pay electronically to TMS, before I even applied for refinancing through XXXX XXXX, on around XX/XX/2020. So because I was under the understanding that ( TMS ) would be debiting the payment for the following month ( XX/XX/2020 ), because of the auto-pay setting that debited the  XX/XX/2020 payment, it would make that next payment for me. But the payment was not made because TMS told me that the payment would not be automatically debited from my checking account that was, and still is, on file with TMS, to use to draft the payment. As consequence for  this XX/XX/2020 payment not being made, TMS reported me to the reporting credit agencies to let them know that I failed to make the XX/XX/2020 payment. Again, I was under the impression the payment would be automatically paid. This has had a negative affected on my credit score, in such a way that is preventing me from receiving refinancing at an even lower interest rate. I am veteran, and this has been a little confusing for me. Being a veteran is how I got this mortgage in the first place, and I do not think that I should be held responsible for the some what confusing information that I got from both of these companies regarding how the payment will take place. I have  always made all my mortgage payment on time with XXXX XXXX, as well as with TMS, before this latest incident happened. I hope that I can receive some fair help in dealing with this situation. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There was an unauthorized personal loan which was taken out in my name with XXXX XXXX XXXX in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from XXXX 's XXXX. I fill out all of the paperwork requested of me by XXXX XXXX XXXX, I had a police report file as well as the letter from my bank stating that no money from XXXX XXXX XXXX  was deposited into any of my accounts and was sent to XXXX XXXX XXXX  Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with XXXX 's XXXX  Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from XXXX XXXX XXXX, accept for a pre-printed denial letter generation. Please help me to clear up with situation with XXXX XXXX XXXX. Thank you.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX : # XXXX, 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 explanation
Consumer complaint received 2022-01-14
Company: AES/PHEAA
State: VA
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:
I was just told by AES, my student loan processor, that none of my loans are subject to Biden 's executive precluding interest due to a " loophole, '' and that no letter, e-mail, or communication to borrowers was sent out regarding this. 

The loophole is that even though my loans are Stafford loans ( they are identified as so on the AES website ), they are not " held by the Dept of Education '' and therefore not subject to the XXXX. All information I can find suggests that Stafford loans are held by Dept of Education ( even XXXX defines them as loans " offered from the United States Department of Education to eligible students enrolled in accredited American institutions of higher education to help finance their education '' ). 

This is a deceptive business practice for which no notice was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
A few months the ago I had tried to resolve unexplained charges to my relia card for the XXXX time. I had not received any answers or any contact at all I never got statements as well and getting online to check my account was a night mare. Sadly I'm still trying to resolve charges that go back as early as XX/XX/2021.

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 2023-08-28
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments on XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
I am interested in processing disputes on my credit report Equifax that has items that are inaccurate an needs to be deleted asap. checking the information submitted alot of data is not 100 % accurate an is hindering my file with all my personal information. please review an delete the information listed on my credit report that will help clear my file an put my credit score in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, Equifax, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX shows payment was made on XX/XX/XXXX to cover past due balance for XXXX. I was on time. No Past due payment should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations

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 2023-08-27
Company: EQUIFAX, INC.
State: GA
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:
XXXX Equifax XXXX XXXX I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.

Company response to consumer: Closed with non-monetary relief