BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: CARVANT FINANCIAL LLC
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:
I recently reviewed my consumer report and seen that CARVANT FINANCIAL LLC are reporting inaccurate information on my consumer report. They are communicating with me about an alleged debt for {$15000.00} to my consumer report. This alleged debt is unverified and I am demanding pursuant to 15 usc 1692g ( b ) that you obtain verification from the original creditor of the debt or a copy of a judgment, or the name and address of the original creditor and a copy of such verification or judgment, or name and address of the original. As the consumer and creditor of this transaction 15 usc 1692a ( 3 ) ( 4 ), I am demanding that CARVANT FINANCIAL LLC terminate all collection efforts. CARVANT FINANCIAL LLC is defaming my character and ruining my reputation by misrepresenting that I ( the creditor of this transaction ) owe an alleged debt. Fact, creditor means pursuant to the FAIR DEBT COLLECTION PRACTICES ACT any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. Fact, CARVANT FINANCIAL LLC does not have credit to offer or extend ( 15 usc 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit ) and has received an assignment from the dealership which means they are a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Linebarger Goggan Blair & Sampson LLP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In this scam they are saying I have past due court fees or fines which is false. I have no such debt. What makes this scam so obvious is that they want me to go to XXXX XXXX XXXX to buy cash cards and then send them with a bill. Bye bye money. I have heard of these scams and I don't want some unknowing victim to fall for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX  XXXX {$790.00}

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 2023-01-17
Company: EQUIFAX, 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 belongs to someone else

Complaint:
On XX/XX/2023 I was alerted that XXXX XXXX that someone was applying for a new line of credit under my maiden last name. I did not apply for new line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: TN
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:
My information was involved in the XXXX  data breach. Please see to it that the credit reporting agencies remove the accounts.

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 2020-10-22
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed derogatory in writing to XXXX who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Jefferson Capital Systems in excess of 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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 Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

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 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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 explanation
Consumer complaint received 2019-08-03
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company said they would just move my late payments to end of load 6 months later we were told we had to do a repayment program no other choice. Acid it wouldnt negatively affect our credit and would show current from the time of the repayment program and it showed past due until I finished the program

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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 don't want this on my report, it hurts my credit history and it's not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-07-03
Company: NAVY FEDERAL CREDIT UNION
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:
My name is XXXX XXXX Navy Federal keeps reporting a negative account on my credit that does not belong to me Ive reach out to them numerous times and still no action has taken place to remove it or delete it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Vehicle lease -- lessor overbilled by {$100.00}. After repeated calls to customer service they refuse to refund amounts due even though they agree that the overpayment has occurred. Overpayment occurred in XX/XX/2016. Nine months later they refuse to act. The lease term ended in XX/XX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: Lincoln Educational Services Corporation
State: IN
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:
Lincoln tech is reporting 4 missed payments and I'm paid in full. I was only late one time. I've called them and ask them to change the way they reported. They would not help me. 
Late XX/XX/2019 Paid in full XX/XX/2019 Still reporting opened and late 4 missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I check my credit regularly with XXXX XXXX. I noticed this past time a new address is added that is not mine by Experian. I couldnt find their address to directly contact them. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX. But there is an address of XXXX XXXX XXXX, XXXX, Virginia added that is not mine. It belongs to my ex-husband, who I divorced in 2015. Also, unfortunate, there were some things that was put in the divorce creed that he alone was responsible for and transitunion would not remove my name despite having court documents to do so. If you can help with that please let me know and I can send the document.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account with Wells Fargo in XXXX and XXXX. They allowed unauthorized transactions to go through my account from a fraudulent party and they charged me for the amount overdrafted from my account and fees I never paid and eventually they closed my 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
Consumer complaint received 2023-02-28
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I borrowed {$700.00} from SeedFi on what they call a Borrow and Grow Plan. After paying off the {$700.00} I was supposed to convert to a savings plan that I can grow my money and then they transferred it to a company XXXX in XXXX XXXX MO that has a 1.3 rating on XXXX. I ask to get the money they owed me and opt out and they call 6 and sometimes more a day saying they are trying to collect a debt and I don't owe this. They owe me. They charge a ridiculous interest rate to me on a savings account. I don't know what to do. I need help from someone. They email send letters call numerous times a day and will not reimburse me my money. Interest rate is 305 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: MT
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 trying to have a fraud alert removed from my account on Experian. You can not contact anyone by phone or email. The only way to contact or file a dispute is by uploading documents and filing the complaint/request online or mailing in the form. I attempted multiple times to fill out the form and upload documents. I got an error message multiple times on multiple days. I finally mailed in the documents and waited weeks for a response. When I finally got a response, it made no sense at all, did not include the information the letter said was included, and did not remotely resolve my issue. I tried again to upload a copy of the letter they sent and ask why it didn't include my credit report or list of results the letter promised, and again got the error message on the experian site. I tried several times and was not able to upload documents or ask any questions. A company with this much power over my ability to use my credit card should not have no way to contact them.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX AUTO 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 an 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 of 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 2018-11-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
can a bank refuse credit based on their own information or do they have to rely on the credit 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 explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. You had more than 65 days, at the time you responded. XXXX submitted to the CFPB on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: PNC Bank N.A.
State: DC
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: Investigation took more than 30 days

Complaint:
Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to PNC, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1. XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} * th 6. XX/XX/XXXX, $ XXXX * Payment made at PNC bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with PNC credit department representative XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called on XX/XX/XXXX and tried to resolve {$5.00} mobile transaction fee that was crammed on to my on XX/XX/XXXX while I was making mobile deposit. The representative refused to refund the fee

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 2023-02-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Around XXXX. Wells Fargo had a collection representative called me and about late payments. At the time I did not have the money to immediately pay my car loan ( with Wells Fargo ). I stated I was unable to pay repeatedly to the Wells Fargo collection representative. They illegally debited my checking account ( Wells Fargo ) in the amount of {$800.00} without my permission immediately after the call. 

This organization is unethical and sick. I closed me account shortly after this event and will never bank with them again.

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 2023-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have 5 late payments of 60-90 days between XXXX on my credit report, I called and asked to have them removed after being in good standing for 6 months at which time they denied my request.

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 2020-07-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Called Experian, in response to a Credit Freeze letter. The letter incorrectly identified my credit as frozen. Called the IVR and tried for almost 30 minutes to get to a human being to discuss the letter and couldn't. Finally went online, found the phone number for small business services and got to a human being in 5 minutes, who explained to me the letter was incorrect, there is no freeze on my credit. The Experian Consumer IVR is about the must unfriendly, unhelpful IVR I have ever used. Terrible. Actually wasted my time as a consumer, confused the XXXX out of me and deliberately ended with send a letter or go online. I won't use Experian 's online service because after their trial period they start charging you and I only need to use the online service once a year or something. Completely unfair and wrong to charge customers to use an online application to resolve problems experian created in the first place. Especially since the IVR drives you to use the online tool, and Experian charges for the use of the online tool after the 1st month of using it.

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 2023-01-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these charges and inquiries on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. I am a victim of identity theft and I did not authorize or make these charges or inquiries on my report. I am requesting these charges and inquiries be removed and I be provided a corrected report as soon as possible.

Company response to consumer: Closed with explanation