BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
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:
I am a victim of identity theft

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 2018-09-27
Company: Experian Information Solutions Inc.
State: MO
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:
Im a victim of idenity theft and they are not fixing the problem on my report they didnt remove anything.

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 2023-03-22
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Key bank has taken my money and wont give it back even though XXXX XXXX which is who they took my money for has told them on A LOT of occasions I DONT OWE THEM! But for some reason they refuse to give my money back. The manager of the hotel has agreed to talk to them and has sent emails. Ive sent emails and so have XXXX. They still wont refund my money. I dont have a lot of money so I need it back ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CarMax, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Carmax repossessed our car, after we had been in contact with them often explaining we had lost our employment, and had been struck with crime, but were moving to XXXX XXXX to obtain another position, which we already had. We were just starting XX/XX/XXXX. They agreed to work with us. Instead they came like thrives in the night and repossessed the car, with all our belongings in it. True we were able to get some out the next day while a complete stranger helped us, but thereafter the rest of our belongings went with the car. We were now without any way to get around but by bus and no way to get the rest of our belongings. 

Carmax is lying! And cutting off their nose to spite their face. How does it help to take a car away from people who have new employment and need a car to get there where theyll earn money to pay Carmax? 

Also we were never informed that we had purchased an XXXX XXXX XXXX. Carmaxs way to charge more obviously. We also never asked for such. So Carmax lied by omission. The car broke down in XXXX, XXXX  and we had to have the Radiator Replaced by XXXX XXXX XXXX in XXXX by XXXX ; the charge was about {$500.00}. We have requested the receipt, from around XX/XX/XXXX but dont have it yet. Also we informed Carmax about this problem with the car soon after it happened. They never informed us then about the Extended Service Plan. 

Another lie by Carmax, is that the XXXX in the car was bad and they lost money in selling the car. Not true, the car drove perfectly ; we know what a bad transmission is. Not to mention the car was checked out by the mechanic in XXXX. Again this receipt is forthcoming. 

Also I have learned that Carmax can not charge us for the car after they repossessed it unless they sell it for less, and though they say there was all these things wrong with it, its not true. 

They are lying. They may of sold the car for less, but their reason for doing so was to garner interest from continuing to charge us. 

At the very least Carmax is unethical, dishonest and corrupt. 

I have reported Carmax to other consumer outlets. If I can be instrumental by keeping just one family from buying a car from corrupt Carmax I will feel Ive done something good for society.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have my home mortgage with PNC Bank. On Friday, XX/XX/XXXX, my wife, a XXXX  in a XXXX XXXX, XXXX XXXX for XXXX. Now, we are both mandated   to quarantine  for at least the next 14 days. With our next payment due on the 1st, we are worried that we might not be able to make our payment of {$1700.00}. After reading about the CARES ACT, passed on XX/XX/XXXX, I reached out to PNC, by phone, regarding mortgage forbearance on our FHA loan. The cares act states that one can receive up to 12 months forbearance on a current mortgage, due to coronavirus related issues. I was told by a bank representative that their policy was 90 days, without making a payment, or making partial payments, with no late fees and no credit reports, for the missed payments. However, at the end of the 90 days, we would have to pay the total, {$5100.00} missed payments. I stated that if someone couldn't make one payment, being out of work for an extended period of time, how would they expect us to pay 3 payments. She responded that a review was possible, at the end of 90 days, but with no reasonable solution given to us, it seems like we will be forced into a possible foreclosure. There was no mention of adding the missing payments at the end the mortgage due date. THIS IS OF NO HELP TO ANYONE. A 3rd grade student can see that this is a set up for failure, or better yet a total disaster for the American homeowner, who by no choice of his own is thrown into this ring of fire. Please help us, and millions of others, facing total devastation due to this XXXX  plague, the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 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 2021-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I continue to attempt to resolve this newly inserted comment with Experian and they continue to beat around the bush and do not provide a clear and precise explanation as requested. They continue to report " Too Many Consumer Finance Company Accounts '' on my credit file yet fail to tell me what they are. I have not had any new accounts opened nor have I owned any accounts such as payday loans or lines of credit extended to me as distressed consumer. Despite me using less than 1 % of my available credit and paying off my auto loan my score dropped significantly. This again is a newly inserted comment on my credit file, this comment use to never be there. This is creating an adverse action on my credit file and is lowering my score. This is a defamation of my character as it implies I am borrowing at subpar terms and may be considered high risk. Additionally my mortgage payments have not been updated in 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 2017-10-26
Company: Experian Information Solutions Inc.
State: CO
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:
Experian continues to report delinquencies for XXXX account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

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 2022-04-01
Company: EQUIFAX, 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:
I'VE NOT ONLY CALLED EQUIFAX I'M SENT MAIL THE PAST YEAR IN REGARD TO 2 UNAUTHORIZED INQUIRIES ON MY CREDIT FILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-10-26
Company: ENCORE CAPITAL GROUP 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:
Midland Credit reporting agency reported the same debt three time to XXXX but did not report it three times to XXXX or XXXX  credit reporting agencies. I contact XXXX XXXX XXXX XXXX to complain about what they did and the representative refuse to acknowledge that their agency did this intentionally further exploiting XXXX data breach. The first report was XX/XX/XXXX. The next one wasXX/XX/XXXX and XXXX both XX/XX/XXXX for the same amount of the original debt of {$1100.00} to one creditor and then {$600.00} for the other creditor. On all three times they reported the same information from the same creditors I owe debt to. I explained to them that the are only allowed to report the debt to all three credit bureaus one time and one time only. I further got no response other than if my address, telephone number etc was correct for them to pursue me for collection purposes. I want the additional two reports removed from my credit report because they are only allowed to report once not three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Conn's, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I purchased a refrigerator from XXXX XXXX XXXX over a year ago, the account was paid in full. I have no idea why they keep calling me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: EOS Holdings, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a single mom and XXXX vet, on fixed income due to my packet being in appeals at VA. Years ago, I signed up for a phone at XXXX , it was horrid and I had to give them back three phones that didn't work properly. I went to XXXX, AR spoke to the lady working at XXXX, paid my balance in full, and told her I was done, going to XXXX XXXX  and sick of them sending me jacked up phones. Then a few months ago I decide to dig into my credit report cause I want to use my VA Loan, and XXXX was charging me {$700.00} that I didn't know about, disputed it, and now it is {$280.00} and has to be paid in full, in which, I am a single mom and on fixed income, have severe XXXX health issues and lost my job in XX/XX/XXXX, and was told by VA I am XXXX, and my packet is in appeals. I am a XXXX veteran, and after I got back from XXXX I hated myself for the pain I had caused others and went down hill, and ended up divorced and in bankruptcy, been trying to pull myself up over the last five years and now see XXXX wanting money, and they are the ones who sent the jacked up phone, and I told them to turn the phone off. I just feel like companies need to recognize that vets come back from XXXX and some of us go through a lot of XXXX and XXXX XXXX, and should be respected and understood, helped and not fined for not wanting to do business with XXXX. Personally, I don't feel I owe them XXXX, and was just wondering if you could help, and if I need to pay I have to do it in payments, and XXXX is bogus. It just XXXX me off that people put their hand on their heart and think that is honoring a veteran, but when we come back XXXX XXXX  in our head, not the same, and gone through XXXX, we should be supported by our country in all ways. maybe I am an XXXX, I don't know .... I just feel, they are XXXX me over, and I closed that XXXX account and it was paid in full, this is on them and not me, and they are trying to charge me. They should of turned the phone off as asked, and the lady at XXXX who I spoke with was using a XXXX XXXX phone and totally agreed I should go do that. So all this is a surprise, and I am upset and can not afford to toss out {$280.00} for a greedy XXXX company who only cares about material gain, and not the person. Anyhow, rant over, please help if you can ... XX/XX/XXXX is when I received the very FIRST letter ever from them, and had XXXX  dispute it first, then they went to XXXX. Whatever it is, I need it completely off my report, and if I can get it forgiven that would be kind of you, and I honestly just don't have {$280.00}, and a single mom to XXXX kiddos and on fixed income waiting for benefits to come through. Thank you so much ... They never did any action to let me know anything, and never called asking me, I just saw it months ago cause I am trying to ensure my credit is where I can use my VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have been receiving threatening letters and phone calls from collection dept of Citizens bank account no. XXXX in the amount of {$270.00}. Now I got a letter from a credit reporting company. Ive made several attempts via phone calls and USPostal Service. When I finally got a human on the phone, she wanted my SS no which I refused to disclose saying if you had a valid debt, then you would have the SS no. I said if u give me the number that you have and XXXX verify it if its correct. Agent refused. I am XXXX XXXX XXXX, suffer from XXXX advanced XXXX and I am unable to sleep nights due to stress related phone calls Im scheduled for a XXXX XXXX  in the next couple of weeks and this phony claim is extremely upsetting to me and is a deliberate attempt to inflict emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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 status incorrect

Complaint:
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX capitalone sent me a bill for {$160.00}. On XX/XX/XXXX i paid {$150.00}, only 24 days late. 
Capitalone marked my cre for 30 days late for this transaction which violates FDCPA. 
I have been trying to rectify this discrepancy with them for over 4 months. Original cfpb complaint XXXX. Attached is capitalone response claiming payment was made on XX/XX/XXXX for {$150.00} yet their own records show XX/XX/XXXX. 
This is an agreegious act to abuse their power of credit reporting and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/XXXX someone stole my husband identity, his name is XXXX XXXX. Taking out multiple loans online for electronics. These loans included XXXX different companies, XXXX out of the XXXX were great. We had a police report, our local police investigation the issue. We were able to provide paperwork and documentation of the fraud and resolve the issue. However, the third company is XXXX Bank and they have been HORRIBLE! We have called and called and called and are always told ; we do not have many staff in the fraud department and no one is here to speak to you. We were give a fraud like we could call and leave a voicemail with no response EVER! We finally in XX/XX/XXXX to at least email us the fraud paperwork we needed to fill out and submitted it. Just to continue calling and getting the same line but no information. In XX/XX/XXXX some finally confirmed for me they received our paperwork and we should receive an email my the end of the month with instructions on what they needed from us. Well we never got that email. The fraud line now no longer even takes voicemail, its just hangs up on you. They recently gave me an email address which again no response. I have offered multiple times to send our police report in and they just tell me someone from fraud will have to talk to me. At one point we were making payments on this loan to ensure it did not hit our credit, they are stopped taking our payments and our online account no longer shows a balance but I can not get ANYONE to speak to me about the claim. Is it resolved? I am literally in tears over this. I have no where to turn. I ask to speak to a XXXX  or someone higher up and they just tell me there is no one for you to speak to. I am sorry. The emotional stress this has caused my family and I is in describable. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have been restlessly attempting to resolve this issue, we have even submitted a complaint with CFPB recently for Wells Fargo Dealer Services, which we mistakenly believed was the correct section to deal with. 

The problem : My husband has a car loan with Wells Fargo Dealer Services. For the past year of XXXX up until about XXXX, he had been sending in money orders to a Wells Fargo Address believing that this was the correct address to send in his payments. He had been making the money orders out to : XXXX XXXX XXXX XXXX 
P.O. BOX XXXX XXXX XXXX, SD XXXX We informed Wells Fargo Dealer Services about this, but we thought he had made them out to them but that was not the case. While we truly apologize for any inconvenience and misunderstandings, we have been trying to resolve the issue, its just been frustrating. We hope they understand as its tremendously frustrating when you are unable to purchase a house or your credit is messed up for a mistake that you cant fix. 
I called Wells Fargo Dealer Services an informed them about this as they opened up a case with the number : XXXX. They called my husband and after speaking with him, he was told there is nothing they can do because he has no proof of the money orders. 
I was also informed from a representative at the presidents office of Wells Fargo Bank at this number : Chairman, President and CEO, office of XXXX XXXX ( XXXX ) XXXX that someone at the above address mailed the last two payments to the overdraft service department and they had deposited them in his personal checking account. But they are saying that they never received any other money orders, so I have enclosed a copy of an envelope that was addressed to them as well as the money orders that where deposited in his 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