BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Resurgent Capital Services L.P.
State: AR
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:
once again XXXX XXXX  and lvnv are in collusion with each other to collect unlawfull debts while breaking the DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to Equifax, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a XXXX letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by Equifax, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Prosper Marketplace, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted Prosper credit card and advised to close my account to stop fees and I would pay off within 30 days using online account. They closed my account and instead if leaving the account payment service open. They closed it down and still marked late payments. It can't be late if I closed it. I can't make payments online and don't trust a human not to steal my bank account info. I want them to grant access and reverse fees and negative remarks on credit reports. I'll immediately pay off as I've promised. I've contacted them asking for this to no avail. Help me please.

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 2017-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XXXX I DISPUTED A ACCOUNT ON MY EQUIFAX CREDIT FILE THAT I DID'NT AUTHORIZED OR GIVE NO ONE MY CONSENT TO OPEN NO ACCOUNT WITH XXXX XXXX I XXXX XXXX NEVER XXXX A LOAN AGREEMENT WITH XXXX XXXX. I WILL BE UPLOADING THE SAME DOCUMENTS THAT I UPLOADED TO EQUIFAX AND XXXX XXXX XXXX WAS REMOVED FROM MY XXXX CREDIT FILE ON XXXX. I WAS A VICTIM OF IDENTITY THEFT ON XXXX THRU XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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 2023-08-21
Company: EQUIFAX, INC.
State: CA
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 U.S.C 1681. 

Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They lost my payments for several months without notifying me and when I found out on my own they blamed me because they say my financial institution took my payment back yet they also stated that I didn't order it or them in any way. They said that I have to continue to make payments even though they couldn't stop losing them. Every payment that I made I would receive a email confirming it and another when it posted to their account but never that it was taken back or not made and said I had to pay the penalties or else. They destroyed my credit rating and even though they stated that I never miss a payment I have to continue to make payments when they can't prove that they have fixed their problem of losing my payments. Contacting them takes days of being put on hold, hung up on, and automated machines that are impossible to make it though. The FBI and the secret service said that they deliberately do this so you can not talk to the fraud division. I will not pay a single fine and they will restore my credit rating a pay my time invested in doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
According to 15 U.S. Code 1692e ( 4 ) States ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

Also In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose. 


A judicial order is needed to repossess a vehicle and the company has failed to provide that order. 




XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX Fraud/scam reported to Bank of America XXXX checking account frozen due to activity. Bank of America representative advised to open new account due to deposits that were going to be deposited into into old/frozen account, and then to call and have funds transferred to new account. This was completed. There was another deposit that was on hold to be released to new account XX/XX/XXXX @ XXXX, verified by Bank of America representative XXXX on XX/XX/XXXX the account, both old and new accounts closed by the discursion of the bank with no other explanation. I have {$1800.00} available but because Bank of America will not allow me to withdraw my funds from a branch location I now have no money available. Bank of America will not help me and I have called to resolve multiple times. I was advised I do no have a closure date but a live check with my funds will be mailed, this can take up to 8 weeks or more.

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 2022-09-09
Company: SYNCHRONY FINANCIAL
State: TN
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 have removed my consent for this company to report my nonpublic private consumer information. 12 CFR 1016 Privacy of Consumer Financial Information ( Regulation P ).

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 2022-09-09
Company: United Consumer Finance, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
They restricted me from making a payment online and wouldnt respond to me. Said if I didnt make the payment they were repoing the car. It is less then 2 months behind and Ive been making payments. Then they suspended me from using the online portal to make any payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a consumer credit transaction using my credit card as defined in 15 usc 1602 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved on the date of XX/XX/XXXX. The Credit cards that were used, were my Drivers license and Social security card. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance and Nissan Motor Acceptance Corporation made me purchase insurance separately. Nissan Motor Acceptance Corporation disclosed that it was a Truth in Lending Lender in the contract and failed to disclose to me and give me forms of my right to rescind pursuant to 15 usc 1635. On XX/XX/XXXX I noticed that my rights were being violated and sent through U.S postal Service Certified Mail Receipt an Affidavit of Truth that was notarized which was never rebutted, cease and desist and requested Validation of Debt in which I was given no reply or any documentation that I the consumer owe such alleged debt. Nissan Motor Acceptance Corporation sent an invoice on XX/XX/XXXX saying that I owe {$830.00} or they were going to do one or more of the following options if i did not pay on such alleged debt that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 U.S.C 1681. 

Has Violated my rights. 

XXXX. Account Name : XXXX XXXX  / Account # XXXX Has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a 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 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XX/XX/2019 Citi Aadvantage Platinum Master Card statement had fees totaling {$3900.00}. I paid {$3500.00}. There was a balance of {$490.00}. On the XX/XX/2019 statement, I was charged {$100.00} interest on {$4600.00} ( D ) at 25.49 % ( V ). There is no justification for charging me {$100.00} on {$4600.00}, when the carryover was only {$490.00}. 

The XX/XX/2019 balance was {$2500.00}. That included {$490.00} carryover and {$1900.00} in new charges ( which weren't yet due ). The total amount due on XX/XX/2019 in terms of charges and carryover was {$2400.00}. The amount that I should have paid interest on was {$490.00}. {$1900.00} were charges that weren't yet due and should not have been charged interest. 

At no time during the billing cycle did the average daily balance exceed {$2400.00}. And yet, the bank charged interest on a balance of {$4600.00}. 

When I called to dispute the charge, I was transferred three times around the world to customer service agents who refused to allow me to speak with a supervisor or billing specialist. It took me one hour, 27 minutes and 31 seconds of speaking to three different customer service representatives, who refused to give me their last name or employee ID numbers and refused to involved a specialist or a supervisor, who repeatedly tried to tell me that the calculation was accurate. 

The statements made by the customer service representatives were false. They lied repeatedly and consistently. The proof of the error is in Citi 's own bank statements. This kind of usury and predatory behavior is surely not legal. I'm sure that this is standard treatment at this bank, and likely at all banks and credit card operators. I'm sure that your service has had massive complaints about this. Will you help to stop this behavior? Clearly, I want my account credited and the interest to be fair and accurate. But I also want to stop this predatory behavior.

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 2021-10-27
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed my car through Exeter that I got from XXXX. And I been paying my note on time with some late payments. I recently went on my Exeter account and seen my APR was an outstanding balance. They told me it will take 72 payments to pay off. But I recently went to my account and seen how much my principal fee is. But I paid so much money, and they only took a grand off. It's been over a year since I had my car. I looked at the reviews and I am not the only person with this problem. My car total is only XXXX. I put XXXX down. And I already paid XXXX. My XXXX XXXX XXXXXXXX XXXX is only worth no more thaXXXX XXXX XXXX and I also calculated how much they are charging me, Which is XXXX x 12 months x 6 years = XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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 status incorrect

Complaint:
XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 XXXX day before being 30 days past due. 

I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My XXXX XXXX has now dropped over XXXX points due to XXXX ' inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian offers no easy means to contact them via chat or by phone resulting in delayed response or no action being taken. The mail in option reference items that are non existence, asking for a report number or account number to process. When attempting to access via online or by phone, t stated my Birth Date was incorrect, so I tried calling and got into a loop of wanting to get to the fraud department but only allows to add a fraud alert, no way to address an existing one or get it removed. How can I get my credit removed from Experian having any access to it? I want to file a class action law suit for pretty much requiring someone to purchase their services to even get access to their own information that may or may not be correct. That in and of itself is illegal practices.

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