BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
Company: Experian Information Solutions Inc.
State: MA
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 through their Corporate Complaint Advisor sent me a letter within declaring an existing Account before belongs to them had belong to another institution, I always knew made that reality worth until finally XXXX had did recognized. The Account before came to XXXX had belong to XXXX XXXX XXXX/XXXX XXXX XXXX as also like XXXX does declares on letter. While under XXXX/XXXX  there a document that show a missed first payment at XX/XX/XXXX, on document there a reference at XX/XX/XXXX I had 3 payments past due. 
Why Experian do not act as they state on their Reports as " ... .This information is generally removed seven years from the initial missed payment that lead to the delinquency. Missed payments and most public record items may remain on the credit report up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, ... .. '', its not my case. 
Why Experian does not accept the Bank letter as a prove within other doc copies I been sent all these months asking to someone take a fair attitude within a consumer. What kind of investigation Experian does when answer back do not refer names? 
Are Experian above law to manipulate or hold information the way more convenient for third parties? 

I do have documents to prove all!!! 

I do ask to CFPB to make value your authority to push Experian fix that issue/matter!!!

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 2017-07-25
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit report is showing an account in collections that was opened on XXXX XXXX, 2013. The company name is Jefferson Capital Systems. I have never received any documentation or telephone calls from this company. I submitted a dispute to XXXX and I have yet to receive any documentation regarding the origination of this debt that is in collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: LA
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I currently have the Relicard associated with Ohio unemployment. I have had my account locked since at least XX/XX/XXXX when I noticed I could not use my card to make purchases or withdrawal funds. I called customer service and was given the run around about my card being locked due to possible fraud. I was told to fax my ID and proof of address to a fax number. I did that twice and was told they didnt receive them even though I had the fax confirmation page. I then went online and uploaded the documents. Then the rep said she received them and they were under review. I have called on multiple occasions almost every other day since XX/XX/XXXX and tried to get help with this situation. This is the only source of income I currently have and they are holding {$1800.00} that I need to pay my bills before I am evicted or my bills are shut off! They have told me that my account is still under review day in and day out and theres nothing they can do about it or to help me. I just need someone to unblock my card as there is no fraud on my account and I have already proved my identity to Ohio unemployment and now a third party company is holding my money.

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 2023-09-07
Company: EQUIFAX, INC.
State: WA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
WITHOUT PREJUDICE Before any financial institution reports any of my information there are proper conditions and procedures that first MUST be met by law before they do any reporting. Any contract I had with Credit Acceptance XXXX  is now Null and Void due to the facts they failed to provide the following disclosures during the initial communication, and failed to explain how I can exercise my rights as the consumer to opt out of the unfair reporting and collection activities. 

I know I am entitled to the right to privacy which means I have the RIGHT to opt out of any of my information being reported to any and all non affiliated third party agencies, due to the fact every financial institution has the obligation to respect the privacy of it's customers and to protect the security and the confidentiality of those customers non personal public information. Also, to protect from unauthorized access or use of such records or information which could result in harm, or inconvenience to any customer. 

( This includes primarily XXXX, XXXX & XXXX, plus all the other consumer reporting agencies collecting my information ) Now, this is NOT an option given by Congress under the Privacy Obligation Policy 15 usc 6801 & 15 usc 6802 b ( a, b, & c ). Here are the violations that have caused me to suffer unfair and inaccurate reporting on my consumer reports/files.

Violation 1. 15 usc 6802 B ( a ) clearly and conspicuously disclose to the consumer in writing that they are going to report any information.

Violation 2. 15 usc 6802 B ( b ) the consumer must be given disclosure that there is opportunity before the reporting begins to not have that information reported.

Violation 3. 15 usc 6802 B ( c ) the consumer must be given an explanation on how to exercise the right to the non disclosure option.

I have contacted them sending letters about these grave errors and other unfair collection activities demanding they cease collection attempts, meanwhile nothing has been peacefully resolved as they continue to violate my consumer rights and fail to acknowledge my written consent to stop furnishing inaccurate information that is not permissible. I know that if they have any reason to believe that any information being reported is not accurate, they must Delete and Block any further reporting pursuant 15 usc 1692g ( c ) and that they also must have my consent in writing to report or delete anything ( 15 usc 1681b ( a 2 ) and I only gave them permission to cease.

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 2023-07-27
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I filed credit report disputes and Texas attorney general consumer fraud protection complaints, police complaints and also CFPB complaints and Carmax who never contacted me or even called or emailed replied to the CFPB complaint stati9ng it is a meritless complaint though I reported this as fraud and I have fraud alerts and credit freezes on my three credit monitoring companies. XXXX XXXX 's car max reply this same day of XX/XX/23 is not honest and shows irresponsible deceptive trade practice. they need to withdraw the hard credit inquiry, and to apologize to me, and to shut down any fraud applications and mark them as fraud, and supply copies of any information for law enforcement and to reply to the CFPB that they will cooperate with law enforcement my idendity obviously has been compromised and someone is doing identity theft. carmax has been told of them and ignores it. they should be held accountable ... what delaerships, what locations, copies of pics used. etc?.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed to a judgement with a repayment plan with RECE ] VABLES MANAGEMENT PARTNERS, LLC in XX/XX/2017 for the amount of {$3000.00}. I have paid {$100.00} every month since. 
The company is reporting to my credit an amount owed significantly lower, {$800.00}, than what they are claiming is still owed {$1700.00}. When reviewing past payments there are multiple month over the last 2 years where the payments show received, but the balance doesn't change. 
When I requested records showing how payments and interest were being applied, the litigation office of RMP LLC, a woman I believe named XXXX, said they couldn't send me that and she would send me a copy of the agreed judgement. 
I have included screen shots from the RMP LLC website and highlighted where multiple payments were made and not applied to the balance, as well as a screenshot of credit report balance reported by RMP LLC, as well as the balance the company is saying is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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:
I'm disputing the following accounts XXXXXXXX XXXX XXXXXXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.

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 2019-04-15
Company: EQUIFAX, 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:
I'm disputing the following accounts XXXX XXXX XXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and Transunion and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery

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 2018-02-16
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I purchased a 3 year / 36,000 mile lease on a new XXXX XXXX XXXX with 2 additional lease protection items : BMW Tire & Wheel Protection with cosmetic repair, and, Excessive Wear & Tear Protection. 
I purchased my lease through BMW Financial Service at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, PA. 
My down payment was {$7300.00}. 
The additional costs of the Tire & Wheel protection package was {$1500.00} and the Excessive Wear & Tear was {$1700.00}. 
On XX/XX/XXXX, I ran over a pot hole that caused significant damage to the driver 's side front tire. 
On XX/XX/XXXX, XXXX XXXX XXXX informed me that the damaged tire would have to be replaced, and was covered by the Tire & Wheel Protection plan ( subject to a {$50.00} deductible ), and that my other 3 tires would have to be replaced as well, at a cost of roughly {$1400.00}. 
As of XX/XX/XXXX ( when my vehicle was towed to XXXX XXXX XXXX for repair ), the mileage on my vehicle was XXXX miles. 
My vehicle and/or tires are defective. 
I have less than 10k miles ( in 17 months ) and I am expected to replace all of my tires because of damage to 1 tire. 
My 3 year lease includes 36,000 miles. If I have to replace all 4 tires, every XXXX miles, that is {$4200.00}. Adding that cost to the cost of the protection package ( {$1500.00} ), then the costs for tires alone, over the term of my lease is {$5700.00}. 
BMW NA advertised my new vehicle lease through BMW Financial Services, as " No-cost maintenance ''. 
Spending {$5700.00} for tires over the course of my 3 year lease is significant cost, not " no-cost ''. 
XXXX XXXX XXXX took off the cost of 1 tire 's replacement, so my bill for 2 tires + {$50.00} deductible was {$730.00}. 
I have contacted BMW NA and BMW Financial Services and have not received any appropriate responses. 
While BMW NA did not manufacture my tires ( XXXX did ), they did manufacture my car, and the tires that came with my car were at their discretion, not mine. BMW NA and BMW Financial Services have deceived me into purchasing defective products with no recourse other than to fulfill the terms of my 36 month lease. 
Defective products and false advertising were offered to me with no suitable recourse other than to continue paying exorbitant charges and fees on said defective products. 
BMW NA and BMW Financial Services ( my lease agreement ) are behaving irresponsibly and acting in bad faith. 
It is not appropriate for a " new vehicle no-cost maintenance '' 3 year lease to incur {$5700.00} in additional costs for tires. It is unacceptable.

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 2023-04-26
Company: EQUIFAX, INC.
State: OH
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Previously held a CareCredit account, but the account was closed due to inactivity. Applied for a new CareCredit account, as a dental procedure was scheduled within 4 days. After applying was instructed to contact via telephone. Contacted via phone and was advised to visit XXXX to verify my identity via biometrics. At no point was I informed that the application was denied or might've been denied prior to conducting the identity verification. At the time was uncomfortable providing biometric information, but proceeded with the process after speaking with someone who informed me of the length of time it would take to complete the process via mail. Upon completion of the on-line identity verification process, was informed that I would receive a letter in the mail in 7-10 business days. No further information was provided. Given that I had just uploaded photo documentation including my driver 's license and license bar code, I was dissatisfied with the response provided online. Only after I called back, was I informed that my application was denied. No further information was provided related to the adverse action. My complaint centers around the fact that, given the company already pulled my credit report and obtained information related to my application, said company should have had sufficient information to make the denial decision prior to the requirement to complete the identification process. Given that I am not aware of the reason for the decline, I am not filing this complaint because my application was declined, but because of the cumbersomeness of the process for the identification and the vagueness related to how the company uses the biometric information provided to them. Had I been an older individual or possibly an individual with XXXX, how would the company have accommodated me if I had not had access to the verification website? Given the other verification method... waiting for documents to be mailed or obtaining the documents via email, then printing said documents, then having the documents notarized, I'm not sure how accessible the credit product is, especially given it was going to be used for a dental procedure, which typically isn't something that is planned in advance. Disclosure should be provided to an applicant that going through the verification process may still result in the denial of the credit application.

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 2021-07-11
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:
At the beginning of the Pandemic, XXXX XXXX offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, XXXX XXXX decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.

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