BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
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: Investigation took more than 30 days

Complaint:
Experian failed to properly validate accounts I disputed. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Experian aid required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Experian stated in writing that they verified that the items are being reported correctly. Experian did NOT provided me 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, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Experian that under Section 611 ( 5 ) ( A ) of the FCRA they 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 Experian failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-06-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chase Bank I tried to contact Chase Several times, and there appears to be no one working and it is impossible to reached anyone. The waiting times by the computer recording message state waits of eight minutes, however what happens is that after the time elapses the phone disconnects. 

Furthermore, Chase in doing so is also not honoring disputed transactions and in doing so is violating terms of service. 
I am demanding a refund on a disputed transaction, and there is no one available to service the dispute which has been reported on line and no temporary credit as stated is taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is my second entry because the response to my first one does not address the issue at all. XXXX is the first claim its all the details. 


TD Bank is making false claims. They sent me an adverse action letter that says I have a credit score XXXX and have sufficient credit with their bank which is not an indication of anything adverse that would deny an additional credit line increase. In their response they told me I provided that score and it is significantly different than what they have. I did not provide my credit score in the letter THEY sent me. This bank has issues with the adverse action program and the CFPB should investigate this bank and their responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: STATE EMPLOYEES CREDIT UNION
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:
State Employees Credit Union is reporting false information to credit bureaus that is hurting my credit. They are reporting 4 late auto loan payments and 10 late joint loan payments with my daughter. This information has begin reporting to credit bureaus XXXX and XXXX by late fall XXXX. This information is incorrect and I have tried to dispute information over and over with credit union reporting information as accurate and its hurting my credit score tremendously. The truth is since XX/XX/XXXX I had been working with a housing specialist at XXXX XXXX XXXX XXXX in the homeownership program to improve my credit so can purchase a home. She worked with me from XX/XX/XXXX until XX/XX/XXXX checking in every 90 days to review credit progress with dealing with only medical collection accounts due to health related and establishing mixture of credit tradelines such as revolving credit since already had two installment auto and joint loans. The bad reporting of late payments were never even on credit reports until late XXXX notice my scores dropped on XXXX XXXX with utilizing over 30 % of credit limits but new remarks was added to reflect late payments. This reporting has made it hard to get approval for home loan and my housing counselor even confirmed it was never there since her helping me for XXXX year. Also I have provided proof to the bank of payments made on time with 30 days that should have never reported late. They updated their system to start reporting to XXXX  last year and this is when the incorrect information was reported and updated late payments placed on XXXX whom they were already reporting to. I have been to main branch where loans was originated and the branch manager XXXX, whom was not there in XXXX but still will not look into the matter after I have showed proof of payment. I went to different branch and the nice lady did look more into it after I showed her past receipts and money order stubs copies with dates made out to SECU with account numbers listed. She called up to SECU Credit Reporting Department in XXXX NC and spoke with a gentleman that told her to request that I go back to branch show proof and branch can call to make request to them to remove late payment for dates showing if it was not late. I have tried that method and nothing seems to work no one will help me. I even sent copies of receipts by certified mail to SECU Credit Reporting Department on XX/XX/XXXX with a letter to prove the dates that they are reporting late for both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Information belongs to someone else

Complaint:
This is my 9th 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2018 I mailed reinsertion letters to Experian, XXXX & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to Experian, 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 2019-03-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regional Finance has been sending me collection notices in the amount of {$2100.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Hello My name is XXXX XXXX, I enrolled A student loan From NAVIENT for {$17000.00} With XXXX XXXX XXXX. I've been paying them {$500.00} a month to build up my account and they would negotiate a settlement with them. I followed the creditor 's Instruction 's to the letter, but they won't listen to reason. This has been going on for the last 8 month 's. They called my house 10 time 's a day, I submitted a cease and Desist letter, they stop calling the house. Now they Email me 4 times a day, have called everyone in my family, my son 's, my In-laws my parent 's. Now Today they threatened with Default this Friday. I reminded them about XXXX XXXX XXXX Program, they tell me we won't deal with them, we want the loan paid in FULL, NOW!!! They won't listen to reason. I Keep reporting them to XXXX XXXX XXXX, send them all the email 's, tell them about the Threats, now XXXX told me to file a complaint with you, I don't know what else to do. Please Help me if you can. Me and my son have Paid almost {$150000.00} dollars worth of Student loan 's off, but NAVIENT is the worst company I ever had to deal with. My Son XXXX Got his XXXX  In XXXX  and is working XXXX XXXX, In XXXX GA, We are Paying every loan that we got Back. He Pay 's almost {$2000.00} dollars a month, and I pay {$600.00} a month, but NAVIENT doesn't Care!!! They are Very Belligerent! Please Help Us if you Can, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL, XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments and erroneous reporting on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. Please fix these accounts : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: GA
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 disputed a bankruptcy that they say they verified, however they will not tell me how they verified it. The reason is because they never verified it with anyone, I have talked to all credit reporting agencies that share bankruptcy information and none of them have any information even the courthouse agreed they are lying. I am beyond tired of battling this with you and experian, I am attaching the letter I sent to them on XX/XX/2022 and they verified it the sameday lol. Please make them remove this immediately to avoid litigation with them as well as the cfpb. I do not see how these bureaus get away with so many violations. Well guess what it is {$1000.00} per violation so let 's see if you can get them to do their job. Thanks

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 2020-07-15
Company: Americas Car-Mart, 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: Account information incorrect

Complaint:
Colonial Auto Finance ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba Car-Mart of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Repeatedly tried to contact Southwest Credit Systems L.P. to verify a collection account on my XXXX, XXXX  and XXXX credit reports. I have not been provided any information on the account that is damaging my credit and ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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
Consumer complaint received 2021-05-06
Company: CarMax, 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:
erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: CITIBANK, N.A.
State: AL
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:
Citi bank 's terms and agreement state this contract is governed by federal laws. Therefore, I ask that they honor the duration of their understanding and apply the federal that fit my situation. Under 18 USC 894, this is a collection of credit. They are not supposed to collect on an extension of credit. Under federal law I was supposed to receive a clear and conspicuous meaning of the terms and conditions of this agreement which I have not received. I wasn't told my rights under federal law about this agreement. Many elements were hidden in this contract. if they choose not to honor their terms, I demand all my payments back, and they report paid on all cras

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 2022-03-09
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NOTICE : PLEASE BE ADVISED A COMPLETE COPY OF THE BELOW COMPLAINT WAS SENT TO & RECEIED BY NAVY FEDERAL ON XXXX XXXX, XXXX VIA USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX. 

NOTICE : I WAS NOT ABLE TO UPLOAD THE CONSENT ORDER OR THE DEBIT CARD DISCLOSURE AS THE FILES WERE TOO LARGE FOR THIS PLATFORM. 

On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION unlawfully, deceptively and without notice, restricted my Debit Card access connected to account number XXXX, violating my consumer rights, the CFPA and CFPB Consent Order No. XXXX. 

On XX/XX/XXXX ( months later ) NAVY FEDERAL CREDIT UNION notified me of their actions by mail stating that my debit card history demonstrated a violation of the Debit Card Disclosure but failed to specify what action/actions specifically violated the agreement and how. 

After reviewing the Debit Card Disclosure I could not find anything that that would justify the adverse action taken against me. On XX/XX/XXXX, using their members portal I began sending NAVY FEDERAL CREDIT UNION a electronic message requesting a explanations of the alleged violations so to ensure that they would not be repeated in the future. After going back and forth with NAVY FEDERAL CREDIT UNION via its Member Messaging portal I finally got a response of admission to which I have attached to this complaint titled EXHIBIT B. 

NAVY FEDERAL CREDIT UNION has a history of being unfair and abusive to consumers and its members. On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION was sued by UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU for its Unfair Electronic Account Access Restrictions and material representations that were likely to mislead reasonable consumers and that is exactly what they are now doing to me. 

I clearly have good reason to believe and do so believe this is an unlawful attempt to punish me for exercising my right as a consumer to dispute unauthorized transactions which establishes an inability to protect my interest while using this consumer financial product or service. This act is defined as Abusive under of 12 U.S.C. 5531 ( d ) ( 2 ) ( A ) ( B ) and is a violation of 5536 ( a ) ( 1 ) ( B ). These injuries are not outweighed by benefits to me or to competition and my injuries were not reasonably avoidable because NAVY FEDERAL CREDIT UNIONS policies and practices regarding electronic access and service restrictions were not adequately disclosed to me when I opened my deposit accounts and are still not to date.

Therefore, NAVY FEDERAL CREDIT UNIONs representations, as described above, constitute deceptive acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 paid my outstanding balance in full as of XX/XX/18 and contacted XXXX XX/XX/XXXX after viewing my credit report. The transunion report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via Transunion. On XX/XX/XXXX I received notice from Transunion the dispute was complete and reviewed my credit report. The update submitted by XXXX indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted XXXX on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.

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