BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: CarMax, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carmax auto finance continues to report a payment on XX/XX/2019 as a late payment, I have contacted the company numerous time but it still remains as a late payment on my credit reports, have also disputed via credit reporting agencies with no positive outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated X/X/2018 from JP Morgan Chase Bank regarding my XXXX reward credit card. I have been advised my account will be closed for I could " create possible reputational risk to them '' if they continue our relationship. They contacted me to open this account. I had a mortgage with Chase for more then 15 years, it was NEVER late. I do not owe any monies to any one or any business. My credit is perfect. I will also loose my points associated with this account if I do not use them by XXXX. I wrote demanding an answer as to why my account is being closed, I still have not heard from them. In looking on line other persons have written this has happened to them. Many have various felonies on them, I do not have ANY record, not even a traffic ticket. I do not use this card much at all, however I do demand a reason as to why they are closing this account. I also do not want to loose my points. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been in contact with TransUnion on more than one occasion about being victimized on their inquiry issue. I have talked with different people and their customer service representative told me it will be ok it will fall off in two years. He stated he will not help me no matter what I say. Listed are the inquiries I had requested to be taken care of and it was not. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-01-16
Company: Collection Bureau of America Ltd.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have canceled the XXXX XXXX delivery service way back sometime in XXXX of 2016, returned all Equipment and Empty bottles and canceled service, not long after I was charged for Water delivery on a service I canceled and on top of that never received any water bottles in the first place. I called XXXX XXXX about this issue and the representative said that they will review with the field supervisor and give me a call back, months passed and no call back and the amount was sent to collection services and affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I continue to receive calls from a company identifying themselves as XXXX. They have advised me it is for a debit for credit card to Best Buy. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all XXXX bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the XXXX XXXX they were given XXXX days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as XXXX certified mail tracking numbers ensuring they received these documents and still failed to update the account.

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 2018-01-16
Company: The CBE Group, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the debt collector and set up a monthly payment arrangement. It still show a derogatory account on my credit and my payments are not being reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The following inquiry is Unknown SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX SYNCB/WALMART PLCC XXXX. XXXX, XXXX Unknown inquiry, please delete

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 2018-01-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On today XXXX XXXX, XXXX I received an email from my Experian dispute stating the account I had previously disputed was updated. I contacted Experian, they told me that the creditor responded to their electronic request saying that they did n't have supporting documentation for the account, but the account would remain on my report. I asked the representative if there was no supporting documentation why would they allow it to stay on my report. He then stated the company requested I contact them myself and not through the credit bureau. On a call previous into the same department within minutes apart I asked for the method of verification and the female representative disconnected the call. The account was unverifiable but yet they allowed it to stay on my report. Experian did not really investigate this account they just sent over an electronic request of information regarding the account. I think it is very unlawful to falsely investigate an account and using the time within the 30 days to only send a electronic question for the account.

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 2022-01-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I first received a call from " XXXX '' on Tuesday XX/XX/2021 at XXXX and XXXX. The number on my phone read Wells FargoXXXX. XXXX told me that someone had hacked my checking account and in order to reverse the charges I needed to follow his directions. He stated his employee ID was XXXX. He then instructed me to first send XXXX via XXXX and then XXXX via a wire transfer to XXXX XXXX XXXX account. XXXX then called me the next day XX/XX/2021 at XXXX saying that he had good news which was they had caught the guy that had taken my money his name was XXXX XXXX and that he was in jail but that he had taken more money out over my savings account-a total of {$22000.00}. He then instructed me to log on to my Wells Fargo account to keep my money safe. I followed his directions and wire transferred two separate payments XXXX and XXXX. XXXX followed up calling the next few days. When I missed his call on XX/XX/2021, I called Wells Fargo and they informed me that he didn't work there. I then followed steps to report a claim with Wells Fargo for the various transfers but no one at Wells is helping and they told me they cant get any of the money back. I have tried calling multiple times and have had difficulty with anyone responding. Given this fraud, I am hoping to use Regulation E of Electronic Transfers Act to get my money back.

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 monetary relief
Consumer complaint received 2019-02-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
Did not ask for these companies to inquire on my credit. No credit was offered to me, and I did not submit consent to these companies to inquire on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Early Warning Services, LLC
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My husband and moved from XXXX to XXXX. In transit he lost his wallet including his XXXX XXXX debit card. I have an account with XXXX  XXXX XXXX XXXX. He was able to link the accounts using Zelle successfully until i changed my phone number from XXXX XXXX XXXX to XXXX XXXX XXXX. Zelle and its algorhythms could not positively ID me despite me having all correct info. Billing address for my debit card SSN phone number. Customer service and tech support said there is nothing we can do. My husband gets paid this friday XX/XX/XXXX. I am a retired XXXX  mandated reporter by law well aware of the dysfunction in this country. Actions or failure to act have consequences and result in behavior change by me. Please investigate. Digital currency is not safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-01-16
Company: General Motors Financial Company, Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This is an unauthorized inquiry that 's being reporting by this creditor Corporate Office | GM Financial Corporate Office | GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX Gm Financial XXXX XXXX, XXXX Unknown inquiry, please delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Care Credit account through XXXX XXXX. I made a Special Arrangement to Close my account, and pay {$10.00} a month. The agreement was : it will not affect my credit report, no fees/interest. I called them because when I pay {$10.00} a month, they are asking for {$40.00}. I now have a past due amount of {$30.00}. My credit report shows late payments. This is not what I agreed to! I was promised, " do not worry '' it will not affect your credit, we will close your account, and you just pay {$10.00} a month ''. So every time I call in a payment now, they are badgering me for {$40.00} payments and say they don't see anything regarding not reporting to credit agency. All their calls are recorded! Please please help me with this, as it's affecting my credit. I was scammed. Initial arrangement was made with a man. I have called and talked with them about this, but argue. The payment plan is on file, and All their calls are recorded. Please please help me with this! This is affecting my credit and upsetting so badly. 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 2018-11-04
Company: Byrider Franchising, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We purchased a XXXX XXXX from XXXX XXXX in XXXX and then we traded this car in XX/XX/XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX {$5500.00} as in contract to retain the original title and complete the trade agreement for a brand new XXXX car. 
We do not own or are liable for an account that was closed due to a trade-in vehicle purchase! Weve validated the balances and XXXX XXXX is claiming a debt that is mistaken, inaccurate, and deceptive. We have a copy of the XXXX contract stating they paid off XXXX. XXXX off and additionally, our paid fees to XXXX XXXX would have fulfilled our obligations ... we have proof of this trade and XXXX XXXX is scamming us and destroying our credit. They have falsified records and are using predatory financial tactics to collect a debt from a car they no longer own or are the lien holder to-How can they collect a debt for a car they or we do not own?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Asked for and got Credit Freezes from XXXX, XXXX, Equifax and XXXX around XXXX XXXX, XXXX, based on prior experience with Identity Theft and the Equifax data breach. 

Received a letter from Equifax stating that an extended fraud alert had been placed on my credit file that would remain on file for seven years. Letter was dated XXXX/XXXX/XXXX. 

Received a letter from XXXX on XXXX XXXX ( letter dated XXXX/XXXX/XXXX ) .stating that an application for XXXX  card had been denied, based on a credit freeze at XXXX or Equifax . The application was fraudulent. Someone had used my name address and telephone number but apparently a different email and Driver 's license from mine. 

Yet I did not receive a fraud alert from Equifax. While the credit freeze worked, as XXXX was denied my data, Equifax 's advertised service of Fraud Alert did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2022-01-10
Company: EQUIFAX, INC.
State: AZ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Select Resource Group
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I continue to receive calls from a company identifying themselves as SRG. They have advised me it is for a debit for credit card to XXXX XXXX. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: MN
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:
Student loans dates and amounts as followes Date opened XX/XX/XXXX amount for XXXX Date opened XX/XX/XXXX amount for XXXX Dated opened XX/XX/XXXX for amount XXXX Date opened XX/XX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file

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 2019-05-13
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 PayPal hit me with hard credit inquiries and it said on application it wouldn't affect 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 2018-01-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$680000.00} XXXX XXXX - All tax liens have been withdrawn and should no longer be showing up on this credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.

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 2018-11-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018 I had a transaction through the XXXX option of my Citibank app for {$250.00} USD for a cellphone from a website called XXXX XXXX XXXX which is now down for maintenance. I ordered the device it was supposed to be received on that same day by their courier. Never was received due to high volume of orders and will be delivered or XXXX pick up whichever I decided on. I decided to schedule a XXXX pickup and never was emailed back to proceed the option. I decided to dispute this. I called the number it says call rejected. I emailed them and got a response with an email back saying it will be refunded at XXXX PST I never received the funds and called my bank after I couldnt contact the company of the cellphone anymore. The website says for question or information email XXXX so I emailed them and no response. So thats when I called my bank again and they said I had to fix this with the company which I did mention to them is not corresponding to my issue. Citibank did not help at all to retrieve my funds back after a fraudulent activity towards a promise to refund.

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