BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: BARCLAYS BANK DELAWARE
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:
Collections does not seem valid for the specified card yet continuous calls despite the explanation provided to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CarMax, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a federally protected consumer and the original creditor. I am not obligated to Carmax auto finance alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Carmax auto finance is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Carmax continues to collect on this alleged debt and has been negatively reporting on my consumer credit report. I did not give carmax auto finance DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Over 51 % of consumers responding are complaining about the misleading and difficult practices being used by Synchrony Bank in their attempts to obtain a Secured Amazon credit card. the following link has some of their comments. When is the CFPB going to investigate? - https : XXXX? XXXX & XXXX & XXXX & XXXX # reviews-filter-bar Sending letters to the company is not going to resolve the issue. Having the banking committee investigate their practices might. Are they making offers that possible? Are they not fairly offering credit or discriminating based protected classes? 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 2018-02-22
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX as incorrect information on my credit report that they need to update

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 2018-11-14
Company: EQUIFAX, INC.
State: NJ
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX, XXXX Unverified Late Payment * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Collections does not seem valid for the specified card yet continuous calls despite the explanation provided to the company.

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 2020-10-13
Company: Experian Information Solutions 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:
THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-02-22
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I paid this collection immediately when I realized that I owed it. I was told at the time that it would be DELETED from my credit reports if I paid in full, which I did. 
This was in 2013. 
I have recently found out that it was still being reported to my credit reports that I have a paid charged off collection. 
I disputed this with the credit bureaus. XXXX and XXXX have since deleted the account, but it remains on my XXXX account, and they are refusing to allow XXXX to remove it. 
I did not know that I needed to keep my letter from Robinson Regean and Young bc I thought it had been deleted years ago. 
I have call Robinson Regean and Young also and they have basically told me thats to bad we dont have to delete it now years later. 

I want them to take this off my XXXX Credit Report bc thats what they told me they would do, in writing and over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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:
My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
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:
I filed a ftc report on XX/XX/XXXX but there is still one account that XXXX  have not removed which is XXXX/XXXX. There are also a few inquires that I do not recongize on my report from XXXX  XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and 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 2022-08-09
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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$7500.00} ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: DISCOVER BANK
State: MD
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 was in the hospital with covid 19 for two months the company sent me a security identification update while I was in the hospital to verify that I was really me, kind of strange but they did through a third party credit reporting company. this was after having my account for few months. I called the company to explain what happen and they just said sorry we cant help you. my account was closed and reported negatively on credit report. I asked them to reopen the account or remove it from credit report they said i was in good standing with payments on time etc, but because I didn't responded to the secured question they were unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit 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 non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: TN
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:
I contacted Equifax and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my credit they see a bankruptcy disposition date of this year, not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX. This is not right. Equifax closed all of my disputes and did not update the date reported or disposition date. I even supplied them with my federal court discharge paperwork showing disposition of XX/XX/XXXX. XXXX and XXXX   are both reporting correctly. It's only Equifax that is causing a system error when processing mortgage. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE CHASE BANK SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED CHASE BANK SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH CHASE BANK NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE CHASE BANK CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET XXXX XXXX XXXX XXXX DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
cra violation inaccurate information must be removed sent po report and idthft gov

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 2018-08-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
This mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage Services. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. Carrington has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: TX
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 need help with my Citi Credit Card. I have working with their dispute center regarding an item I charged. The ongoing dispute : the merchant I purchased a washer/dryer from, sold me a " new and working '' item, but it was installed broken, and although I have proof that the merchant gave me a refund and return option, via saved XXXX conversation, the merchant says it was an " as-is '' broken item I purchased without a right to refund. 

My issue with the Citi Credit Card dispute center is one, they are not representing my interests and two, have now closed my dispute due to " lack of response by myself, XXXX XXXX ''. I did respond, within the time frame and have proof. 

The dispute department and myself have been communicating via email. On XX/XX/XXXX at XXXX XXXX   CST, XXXX XXXX asked me to supply two additional items by XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX XXXX, within 3 hours of the request, and I have a copy of the sent email. Yet, today XX/XX/XXXX, I received an automated notice that my dispute was closed due to a lack of response. 

Citi Card Dispute department does not communicate via phone, unless you are requesting to withdraw your dispute. Additionally, the two additional items XXXX XXXX asked for, she already had. She requested a copy of the sales receipt, which the merchant supplied and again, a signed document with my reasoning for why I think the washer/dryer is defective. The dispute department already had that information, but I continued to oblige. 

Yet, without consultation, my dispute was closed. I have asked for a supervisor to contact me and re-open my dispute, but have heard nothing. This is really absurd since I did reply, and what they said I didn't supply, they already have had for months. Citi Credit Card dispute department has been working on this dispute since mid-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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Trans Union did re-insertion of derogatory items!

Trans Union was supposed to send financial compensation for that!

Financial compensation should have arrived by now!

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 2018-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i went to see about opening a credit card account at bank of america i had a savings account with them XXXX  ca.

the manager XXXX said if i opened a checking account and sent my pay checks in to that account i would receive {$150.00} bonus it would be completely free to use the card no monthly fees i would also earn bonus money for using the card for goods and services " keep the change " i did not recieve the {$150.00} bonus they started charging me {$12.00} per month i tryed to close the account by visiting the bank they said i have to ring them when i rang they said i have to visit the branch when i visited the branch they said i had to see XXXX XXXX was never available the account continued to deplete my funds until it ran dry I am below the poverty line less than {$5000.00} a year

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