BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: EQUIFAX, 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 WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: WA
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 obtained my Equifax Credit Report in response to my request via XXXX  to order to review it for accuracy. I received my report which was assigned " Confirmation # XXXX ; dated XXXX. On XX/XX/2019 I sent Equifax a letter outlining corrections ; along with utility bill for ID and supporting documentation. On XXXX checking for a status of my XXXX letter, I attempted to use Equifax website ; and it would not allow me access my account. I tried the XXXX given on their correspondence but got a warning that " SITE IS NOT SECURE ''. I then tried two different numbers and finally reached a live person. Rep stated that I had to answer security questions. These were not the normal type questions with multiple choices answers. These were like " name all banks that you ever had a loan with, including name of bank, amount of loan, payment amount. Next was name all credit cards I've ever had including company name, account number, balance and payments. I explained I have a 60 year credit ; and did he really need ever one open or closed in the past 60 years. He responded yes. I had already given him the confirmation report number and even that does not have every account I ever had. I asked for a supervision which he allegedly transferred me and left on hold. Finally I hung up. there was no call back although the rep asked for a call back number. 

On XXXX I received a response dated XXXX ( why couldn't the live agent tell me that a response was sent?? ). New report confirmation number is XXXX. 

1 ) They show my PO Box but not my physical address ( the other 2 CRA 's show both ) 2 ) The removed one previous address as requested but did not add another previous address. 

Accounts 1 ) I requested one account to be closed and remove. It was closed but not removed 2 ) I requested 3 accounts to be removed as all 3 were closed more than 10 years from the closing date. This were not removed even though each has a comment " will automaticially be deleted ten years from the report date. '' Report date? What date?? that does not make sense. 

Biggest PROBLEM- AN ACTIVE ACCOUNT WAS CORRECT ON THE FIRST REPORT DATED XXXX. I MAKE NO REQUEST FOR ANY CHANGES. IT WAS NOT MENTIONED IN MY LETTER XXXX. 
B UT EQUIFAX MADE A CHANGE UNDER ADDITIONAL INFORMATION : " A TEMPORARY UPDATE FREEZE ON FILE. THERE IS NO EXPLANATION AS TO WHY.. I CALLED THE COMPANY. EVERYTHING IS CURRENT AND IN GOOD STANDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CarMax, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Carmax continues to violate my Federally protected consumer rights. These violations have caused hardship and distress upon my estate, to my reputation and to me personally. I have attempted to settle this matter without taking legal action and this is my final attempt. In XX/XX/2021, I sent a cease and desist letter and Carmax has since committed several violations of my rights stated in the letter. 

In this letter, I requested validation of the alleged debt via audit trail, pursuant to 5 USC 552 a ( d ), which states : ( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; Carmax has failed to validate this debt with the original creditor. They have failed to present the original source of funding for the consumer credit transaction. 

In this letter, I also directed Carmax to remove any derogatory remarks to my consumer report. Attached you will find 2 screenshots : the first one, they zeroed out my account. In the second one, they report that the debt is charged off as bad debt and that the dispute has been resolved. That is false and harmful to my reputation. This is also a violation of 15 USC 1681d. 

As stated in a previous complaint, and Carmax also authorized and released my private location information to a third party, who attempted to steal my property and threatened that more people would come to my home to attempt to do the same. This is a violation to my privacy and to my safety and to the safety of my family. 

This is just a few of the violations committed by Carmax that have caused me harm. These violations are willful and malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo is getting out of control with fees. I have had debits and checks be pending then they post the next day then go back to pending where I then get hit with fees. I had a check for XXXX that I didn't see that night and I got hit with a fee before it posted to my account that afternoon. That happens more often then not. And my banker can't even explain how that happens. I would like my fees back

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 2017-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the credit card company fifth third bank and explained to them I do n't have an account with them and it 's on my credit report that I owe {$7.00}, and I was told the I 'm in someone else card as a authorize user and I 'm responsible for the dept and was told to fly to another state to there bank and give them my information so the can give me the card holders info so I can track them down and have them go to the bank and remove be from there card XX/07/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I currently have two auto leases with XXXX. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: BARCLAYS BANK DELAWARE
State: MD
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 credit reports from ( XXXX, XXXX and XXXX ) are reporting incorrect information from Barclays. they have a hard inquiry listed on my credit report that was requested onXX/XX/XXXX. however, this was not authorize by me for them to run my credit. <P/>I contacted Barclays Bank onXX/XX/XXXX, I stated that I never applied to a credit card with them or do n't have a credit card with them. never had any contact with them. they told me that they never reported any information to the credit companies because they do n't have any information to report. <P/><P/>BARCLAYS BANK DELAWARE XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual

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 2017-11-10
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I currently have two auto leases with XXXX. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase credit card closed my account and took over {$1600.00} out but a remaining balance of {$140.00}. I have had the card set for auto pay for the minimum amount due and they used that pre authorization to take an amount NOT authorized. I was also not made aware that such a large sum would be taken from my account. It overdrew my account and CHASE has not giving me further information to understand what happened nor will they refund the excess amount they took. I did not authorize such a large payment therefore they fraudulently used my authorization for the MINIMUM payment set to autopay. I spoke to at least 4 people at chase that kept telling me the money would be back in 48 hours, then 7 days and then they said it was denied with no explanation as to why. This is unprofessional and extremely concerning for their business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Bread Financial Holdings, Inc.
State: OR
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:
I pay my XXXX XXXX on my XXXX XXXX XXXX bill pay. 
I paid it on XX/XX/XXXX. They didnt record it until XX/XX/XXXX. They are saying it takes the mail that long to get to them. They are charging me finance charges and late fees. This happened in XXXX and XXXX too. 
If you look at my history I am a good consumer. I pay my bill by the XXXX. Its not my fault that they say they arent getting it in time. I think they dont pick up their mail on a timely basis or some other nefarious reason. 
I called them on XX/XX/XXXX. The agent told me I owed {$190.00} which I paid over the phone. Now, I see my statement recorded they received {$96.00} on XX/XX/XXXX so the agent didnt see it was paid FIVE days after!! Which is why they have to refund me. 
So I have to pay over {$70.00} in late fees and finance fees. 
I have an excellent credit rating. You can see some months where I paid when I didnt have to because they dont show it as paid then they have to send it back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: NJ
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: Received unwanted marketing or advertising

Complaint:
contacted equifax that people were trying to apply for credit under my name It was impossible to get this done. 
So far about four credit cards were applied for under my name I haven't applied for any cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a complaint with the CFPB with this issue before but sadly Bank of America doesnt want to refund my money they want me to drive from XXXX California back to XXXX XXXX NM to talk to the bank manager about the mistake that Bank Of America made by putting {$200.00} cash into some one else account and refuses to do anything! when Bank of America investigator calls me every time she does I was at work. Until today XXXX XXXX,2017 an she read me a scrip and every time I complained she would say I understand and go back to the scrip this is not good customer service! I want my money {$200.00} cash back if they refuse to give it to me 1 more time I will sue Bank of America in Small Claims court for being negligent. If we go that route I will be asking for {$35.00} in late fee plus interest and court costs. I 'm tired of Bank of America thinking there above the law because there a big corporation. They need to be held responsible for there actions!!!!

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-04-15
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a debt of {$310.00} to an appartment complex due to a randomly assigned roommate smoking in the apartment and me being charged with a smoking fee. I refused to pay because it was not legitimate but fast forward a couple years and now I am looking to buy a house. According to my lender, simply paying the debt would not raise my credit score but having it removed from all 3 major beauros would raise my scores significantly. I explained this to the representative with whom I talked about payment of the debt. I agreed to pay on the condition the debt was removed from all 3 major beauros. I checked their website for a confirmation and the letter only showed the debt as being paid off, not removed. I called back and they claimed that they can not put the removal in writing as it is against their policy for some reason. When I asked for copies of the phone recordings in order to see if they mentioned this before the transaction they refused to send copies. So now I have no proof other than their word that they actually removed the debt like they claim to have done and am forced to wait 60 days which means I could miss out on an opportunity to buy a home before I have to re sign my apartment lease ( different apartments than the one that charged the smoking fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: MoneyLion Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used to have an account with MoneyLion. I have since closed my account.

Since closing my account, I have received several emails, both advertising additional products and updating me about how the terms and conditions " of my account '' were changing. These emails offers no way to unsubscribe.

When I called MoneyLion, they confirmed that I do not have an account with them, but told me that they were unable to delete my email address or my personal information ( birth date, social security number, etc. ) or unsubscribe me from emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: VA
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:
On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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