BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
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: Account information incorrect

Complaint:
I have asked for debt validation on a collection that appeared on my report in XX/XX/XXXX of this year from XXXX XXXX XXXX. Multiple agencies have " validated '' the debt ( Equifax and XXXX ) but they have not updated ANY date, have not forced the reporting company to provide the date the debt was first delinquent ( and they would realize it was well past the 7 year period or not mine ; ) have not provided validation methods etc. I have asked for all of this to be provided. This debt may not be mine, and even if it were, the date would have been well past the 7 year reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: CarMax, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Carmax Finance is charging {$11.00} per day finance fees. My payments are rejected. Money is just sitting in my account.

Payment dates are shuffled around.

I don't know if it's a digital error.

They gave me 14.5 % APR so my interest alone is XXXX XXXX.

I have paid XXXX on the car and it reflects that I owe the same as purchase. I owe XXXX XXXX today for late fees. Which are criminal and they aren't even allowing me to return the car. So I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: ECMC GROUP, INC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, I learned from the IRS that my XXXX Income Tax return had been confiscated in the amount of {$1000.00} by a debt collection agency - ECMC working with Premiere Credit in XXXX, Indiana. Prior to this event, I had not been contacted by either agency, ECMC or Premiere Credit. After learning of this event, I contacted ECMC/Premiere and asked for proof of the debt, when the debt was submitted, and who submitted the debt. 

I was informed by ECMC/Premiere Credit that the debt was submitted to them by XXXX XXXX in XXXX XXXX with total outstanding balance of {$17000.00}. I immediately contacted XXXX XXXX Default Recovery Department and it was confirmed by XXXX that no information had been submitted to ECMC for collection and in fact, XXXX does not use that agency for their collection process. 

In XXXX XXXX, I worked with XXXX XXXX Recovery to settle the same debt in which ECMC/Premiere Credit is attempting to collect, based on the information ECMC/Premiere Credit supplied to me. A letter regarding the settlement of the account with XXXX was submitted to ECMC/Premiere Credit. ECMC/Premiere Credit immediately discounted my letter and my  contention that XXXX denies submitting a debt claim to their agency/ My concern, and complaint is that ECMC/Premiere Credit never attempted to contact me, via phone or mail, regarding this alleged debt prior to taking punitive actions. Upon being informed by me that the debt had been settled in XXXX XXXX, I was immediately threatened with a garnishment as their next recourse of action. 

It is my contention that this debt is not owed and the proof ECMC/Premiere Credit provided is a duplicate of a debt that was previously settled with XXXX XXXX Recovery Department in XXXX. XXXX Recover can verify that the debt was settled and satisfied within their recovery process. In addition, XXXX denies submitting any debt owed or information to ECMC/Premiere Credit for collection on their behalf.

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 2019-06-04
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
last year I received a renewal offer on an American Express card which I have had for many years. There was a large fee for renewing and I decided that the card was no longer needed so I called the phone number listed and spoke to a rep. who tried to change my mind. As a result she thanked me for my many years of usage, advised me that there was no payments due, to cut up card & terminated the call. Shortly after I started receiving calls & emails & letters for the renewal fee. I informed them that I did not wish to renew & was told that I did not have that option. I have since been returning all correspondence unopened & responded to their emails as harassment, yet they continue. I have told them that renewal is at my option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Bread Financial Holdings, Inc.
State: PA
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:
I received an email on XXXX indicating my credit card through Comenity Bank would be closed on XXXX. The email indicated I could use the card anytime before XXXX and a single purchase would keep the account open. On XXXX I received a message in the credit card portal indicating my account had been closed, three days before it was to be. I attempted to contact customer service, and I got to a supervisor named XXXX. She indicated that my account was coded requiring me to consent to a credit check to keep my account open. She stated that the account had been suspended, so even if I tried to use the card before XXXX as indicated in their email communication I would not have been able to. If I attempted to use the credit card it would not have been accepted and I would have been advised to call Comenity Bank at which point they would have told me I had to consent to a credit check. No communication from Comenity Bank indicated I had to consent to a credit check for an open account in good standing. Their communications with me, via customer service, was that I should have had until XXXX to use the credit card. Their response is I should have called when I received the email on XXXX so they could have told me that I needed to consent to a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# 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 2021-05-01
Company: CIS DIRECT LENDING
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CIS XXXX  I ask the company to fix the information on my account they add late payments thats inaccurate. AND TOLD ME IT QAS VERIFY. 
I DO NOT TRUE THIS COMPANY PLEASE REMKVE THIS ACCOUNT They have so many violation on my account My open dates is inaccurate My late payments are inaccurate Please DELETED this account CIS XXXX XXXX FROM ALL 3 CREDIT REPORTS FOR INACCURATE PAYMENTS INACCURATE OPEN DATE INACCURATE PAYMENT DATES THIS A violation please delete cis fin

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-15
Company: EQUIFAX, INC.
State: VA
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 XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have names that don't belong to me and 1 account that is not mine and previous addresses that are not mine I have previously tried to dispute this and I got no respomse and I have the right to re dispute this and not have this rejected by the Credit bueraus and the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: LoanCare, LLC
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: Account information incorrect

Complaint:
I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

https : //www.myloancare.com/pub/index.html # /Login? ReturnUrl= % 2f & AspxAutoDetectCookieSupport=1

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 2023-05-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Due to currency issue, the fund USD XXXX can not be accepted in XXXX 's bank. 
I have requested to return the money with Wells Fargo Int'l wire transfer department several times, but they keep telling me it is proceed. The request was submit on XX/XX/28 I checked with Wells Fargo Bank in XXXX 's branch. They have already sent several messages to their branch in US but no response at all. Per Wells Fargo Bank in XXXX, they said they must receive a permission from their US branch in order to send the money back to US. Right now XXXX Wells Fargo is still waiting a response from Wells Fargo US branch. 
There is a lack of communication between their banks.

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 2020-09-23
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: Information belongs to someone else

Complaint:
Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks 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 2018-02-14
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Store card name : Best Buy Issue : retro-active interest on unpaid interest free balance balance = {$260.00} interest charged = {$160.00} Time frame XX/XX/XXXX to XX/XX/XXXX Best Buy is billing me {$160.00} in interest for 1 week on a remaining balance of {$260.00}. 
As the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, commonly called the CARD Act signed into law XX/XX/XXXX protects credit card holders from unfair practices. Credit card users are protected from retroactive interest rate increases on existing card balances without a minimum of 45 days ' advance notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Information belongs to someone else

Complaint:
I filed a ftc report because there were fraudulant accounts and inquiries found on my report, nobody would help me get these off my report.

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 2021-03-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2019-06-04
Company: Securus J Holdings, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The Jpay company is a service provided to sell products to the XXXX of Ohio such as media players, games, music, stamps for email communications, etc. Yet this company is just ripping the XXXX  off by selling defective products, and abusing the system for profitable gain and not rendering adequate service. I purchase my son XXXX XXXX # XXXX a XXXX media player at the cost of {$150.00} and paid {$50.00} for games & music to be loaded on it. The media player arrived at the XXXX defective and would not work. My son has been complaining to this company for months and they refuse to even acknowledge his every attempt to correct or resolve the problem.I am on a fix income and do not have money to give away to this company. They also kept the {$50.00} and refuse to give it back as well. My son is not the only one this has been done to according to XXXX XXXX search. I am hoping you can help us retrieve another player that works and forward the music & games that was purchased or give money back. I pray that you take a good look at the what this company is doing because they feel the XXXX are powerless against them because they can't speak out for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
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:
I have asked for debt validation on a collection that appeared on my report in XXXX of this year from XXXX XXXX XXXX. Multiple agencies have " validated '' the debt ( XXXX and Transunion ) but they have not updated ANY date, have not forced the reporting company to provide the date the debt was first delinquent ( and they would realize it was well past the 7 year period or not mine ; ) have not provided validation methods etc. I have asked for all of this to be provided. This debt may not be mine, and even if it were, the date would have been well past the 7 year reporting period.

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 2019-06-04
Company: Midwest Recovery Systems
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have repeatedly disputed and asked that Midwest Recovery either provide proof of a debt on my credit reports, or remove it altogether. To date, they have received me letter, not marked the account in dispute, not provided any information showing the date of first delinquency, original documents showing that I owe this debt, provided chain of custody proof that they now own this debt. I have also filed a complaint against XXXX and XXXX, as they have both validated this debt, but there is NO information on dates etc. on my credit reports. If there were, they would realize that either this debt is not mine, or is well outside of the reporting limits. The USPS tracking number of that letter is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 filed a report with cfpb on XX/XX/XXXX # XXXX. I called XXXX 's again this morning in hope that they would repair my credit reports.. I was told that XXXX 's determined the accounts are mine and are going to try to collect from me again. 

I did find out that XXXX 's is sending the credit cards to a home I owned and sold a few years back. I am guessing here but I believe someone has reactivated an account I may have had 35-40 years ago. I just don't know how this person has my old address and now has my social security number and name. 

I own a condo in XXXX Oregon and moved here in XXXX. We had a home in XXXX since XXXX and moved here in XXXX. I kept my Ca phone number because of family in Ca. I purchased the condo in XXXX in XXXX. I haven't lived in Ca since XXXX. 

Someone is getting credit cards in my name and committing identity theft and fraud. Please contact XXXX XXXX and have them restore my credit. 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX, did a Money Transfer in the Amount of {$100.00} via XOOM to a Friend in XXXX for Pick-Up in Person at the Bank Teller Window. ( XXXX Transaction XXXX ) Due to Covid Pandemic, Friend never picked- up the Money because of Covid infection fears Thus, on XXXX, Xoom canceled the Transaction and notifed me via email ( attached ) that the Transaction was null & void and that no Money was debited. 

However, a Debit of - {$100.00} was processed by XXXX on XXXX, as shown on XXXX XXXX  Statement ( attached ) Item # XXXX. 

XX/XX/17 DEBIT FOR XXXX.COM XXXX XXXX CO XXXX {$100.00} XXXX Xoom has twice stated ( see two emails attached ) that no Refund was due because the Amount was not Debited. This is incorrect as shown in attached XXXX Statement. 

I filed a Dispute in Person with the help of the XXXX XXXX XXXX  Officers. After several weeks of " investigation '', all the XXXX XXXX Bank stated was that the Transaction was Authorized and thus no Credit was due. 

This is Theft. Either Xoom or XXXX XXXX Bank is holding the {$100.00} Dollars and refuses to return the Money. 

Please force whomever is holding my money to return it promptly as I desperately need it.

Company response to consumer: Closed with explanation