BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX : # 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 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Carmax to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX 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 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 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : 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. Or a list of inquiries : 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 XXXX 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 2023-04-18
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I was asked to pay someone XXXX dollar and I put it through " goods and services ' and then they gave me the money back because they wanted it through friends and family. Venmo went ahead and suspended by account for 180 days. 

I reached out to them and they have a very murky and difficult system, every response was a form letter that they are holding my XXXX dollars for 180 days. 

It's been 180 days. 

I had been saving for my kids XXXX presents in the app and it totally messed up my ability to get them presents. let me be clear. I did nothing wrong and have never ever stolen anything or scammed anyone in my whole life. 

Venmo regarding request # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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:
I have filed various disputes against XXXX XXXX for a derogatory item being reported to my XXXX XXXX  and Transunion credit reports. XXXX XXXX has even sent me a letter indicating that the debt is not mine and they want the item removed from my credit report. I am also attaching a Notice of Identity Theft Complaint With The Federal Trade Commission. The item is not mine.

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 2020-05-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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: Problem with personal statement of dispute

Complaint:
XX/XX/2019 XXXX XXXX, REPORTED ACCOUNT ABUSE on ChexSystems. I had direct deposit every other Friday  on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the ChexSystems.

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 2023-04-22
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of paid U.S. Postal Money orders which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order numbers XXXX and XXXX was made with the proper clauses and provision based on banking law in the amount of {$16000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to EXETER FINANCE on XX/XX/2023 and XX/XX/2023. They accepted one of my instruments ( ending in XXXX ), but did not credit my account correctly. I did call on XX/XX/2023 at XXXX p.m. and spoke with XXXX and XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. 
Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ). 
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with Kia Finance America ( KFA ), but he has never had and account with KFA. XXXX XXXX requests the account be removed from his credit report. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFA reporting an account to the credit bureaus under XXXX XXXX name. KFA has no record of XXXX XXXX having an account with KFA nor was KFA able to verify with XXXX, XXXX or XXXX that they are reporting a KFA account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the KFA account, he may provide it to KFA who will reopen the investigation. XXXX XXXX XXXX submit a copy of the credit report through the CFPB XXXX or he can mail a copy to KFA at : KFA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.

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 2019-10-02
Company: Strategic Financial Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company was repeatedly calling my parents not me about a XXXX XXXX account. I had never heard of them. Along with that they tried to say my parents are on the hook because my mothers name is on the account ( would never happen ). So the entire account is in question. They finally called me today XX/XX/2019. What's more is that two companies are calling about the same account so one of these collectors must be fraud. The last date I have of them calling my parents was around XX/XX/XXXX, but they are still calling.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, This is a complaint regarding Paypal. 
I have made a transaction using their platform back in XXXX ( a deposit was sent to a service provider who never delivered the agreed product ). I have sent our conversation including what we have agreed on and my attempts to reach out multiple times. I finally decided to file a claim which they immediately rejected giving their expired delay. I explained that this was an ongoing project for which I have hired the provider who at one point, upon my insisting, responded pretending he had Covid, after which, I left him alone for a little while and lost time, but since I never heard back, I decided to open this claim. Which explains the delay ( I have expired their delay for filing a claim by a month ). 

I would like to file a complaint against PayPal considering their rigidity in facing life situations ( I have been a long-time user ). They could at least prevent this user from receiving payments and make this tool safer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i sent experian, XXXX, XXXX  a certified letter for a dispute into a few accounts that are on my credit profile falsely, including a bankruptcy that is not mine! equifax deleted all these accounts and sent me notifications that they did so. but experian, and XXXX  credit bureaus say they confirmed and verified that the information was accurate. I then sent another letter that i disagreed and to please re investigate, They failed to respond to that letter so 46 days later i sent my third letter asking to please send me information on how they verified and who they verified with. still no response from them and this is not ok as of now its hurting my character as a borrower.

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2023-03-10
Company: CBC Companies, Inc.
State: PA
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:
They said they couldn't remove the inquiry and that I had to call the credit reporting company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: InvestiNet LLC
State: GA
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 have tried multiple times to communicate with the said collection company. I have never had any doings with this company neither do they have any written contracts to verify this debt. I have also paid this debt in the sums of XXXX with hopes of having it removed from my credit report because I am in the process of purchasing a new home they have yet to remove the debt and its hindering me from obtaining other credits. Please have this company remove this inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
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:
On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate. 

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors. 

Each inquiry remains unverified because no direct contact to the furnisher was made.

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 2020-07-23
Company: COLORADO HOUSING AND FINANCE AUTHORITY
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 status incorrect

Complaint:
I was laid off due to corona and my lender found us. I currently have my mortgage thru the Colorado Housing and Finance. I did not need help at the time however requested information in case I would need it in the future. They put on my credit report that I was under forbearance and my credit score dropped XXXX points despite me never missing a payment preventing me from buying my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Good morning to whom it may concern, I am writing as I have tried several times to receive an auto loan from Navy Federal Credit Union in order to purchase a new vehicle. I have been repeatedly denied credit and the main reason is because " I caused the bank a financial loss, '' by settling credit accounts that were charged off in order to purchase my first home in XXXX. I am confused as this is a federally insured bank that receives billions of dollars in annual revenue, but tell me they I will be denied credit because I caused them a financial loss. We live in times were it is harder to receive loans due to selfish lending practices from banking institutions. I feel as if this is in violation of the fair credit reporting act, and a form of discrimination. Because of this, I am afraid to attempt to request auto or personal loans from Navy Federal as I feel they are being discriminatory towards me as a consumer due to me settling those old accounts. 

Thank you for you time and consideration into this matter. 
Have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI has just placed a debt which I have disputed through the CFPB multiple times in the past and it was been removed by each previous collection company because the account is fraud. I am now going to also file a complaint with the Maryland  Attorney General 's Office of Consumer Protection as this is now, I think, the fourth or fifth time I have disputed this debt as fraud but then it gets sold to different collection agency and isn't being flagged as fraud. 

They don't even bother to send anything in the mail anymore because they know FDCPA and State of MD law provides me 30-days to dispute it, so they just buy it and attach it to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX my Bank of America credit card charged me the annual fee. I had not used the card in months. I was not expecting to have a payment due because I had not used the card. 

The email address on the account was outdated and the payment notifications went unnoticed. 

I had over 10 years of history with Bank of America. I had impeccable credit above 850. I never missed a payment. 

Bank of America sent email alerts of the payment due. Then reported the missed payments to the credit bureau in XX/XX/XXXX without notifying me via mail first. 

Again I had not used the card to make a purchase and would never have intentionally missed a payment. It was an honest mistake. As a result of the reported missed payment my credit score is much lower.

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