BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are 3 Accounts on my Credit Report that are not mine, that I have disputed to all 3 Reporting Agencies numerous times to no avail. I am unfortunately a Victim of a Bank caused Identity theft. After the Breach happened and all of my cash was taken, I was told to put a freeze on my accounts and write a Consumer Statement for each of the 3 Accounts which I did. Now I can only get one Report and that's from XXXX, the other 2 told me to get one mailed to me which takes anywhere from 2-4 weeks. Anyway, these Entries are not mine and it's now caused a Sevier problem with me getting a Refi on my home I had to pay cash for because of all of this! 
As you can probably tell at this point I'm pretty Chapped about this as it has been going on almost 41/2 years now. I am not sure if you can help me out at all but am in hopes that you all can finally get them off my Credit Report so I can finally live in peace. I thank you for taking the time to read this note, and look forward to hearing back from you all. God Bless America! 
XXXX XXXX XXXX, Arizona

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 2022-10-04
Company: CarMax, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Note that this complaint is related to complaint # XXXX On XX/XX/XXXX, my wife paid her car loan from our joint account with XXXX XXXX XXXX XXXX XXXX which recently bought out our bank her in Connecticut ( XXXX XXXXXXXX XXXX  XXXX XXXX She used the new bill pay app from XXXX XXXX XXXX The old app added the decimal point to the left of the last two digits input, the XXXX XXXX XXXX  app added the decimal point at the end of the digits input. This caused an overpayment to Carmax our loan company of {$57000.00} on a payment that should have been {$570.00}. 

XXXX XXXX XXXX XXXX never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to Carmax to get our money back. 

We spoke with Carmax representatives in the afternoon of XX/XX/2022 and eventually spoke with XXXX at XXXX and he told us that the reimbursement would be a check that would be sent out within 6 business days. We were quite relieved. However at the end of eight business days ( XX/XX/XXXX ), when we called to follow up, the reimbursement process had not even started yet. XXXX stated that Carmax had to wait 10 business days in case the bank reversed the payment. In our previous conversation there was no discussion of waiting an additional 10 days. Further as the bank says, an ACH payment is available immediately to the recipient. 

My question here is, which is it? You can't say its available immediately and there's nothing you can do from the bank side, and also say that you have to wait 10 days because the bank might reverse it. Someone is either misinformed or lying. In the meanwhile, {$41000.00} ( the amount difference between what we paid and what we owed on the car ) of our money is tied up and unavailable to us. Why were we not told of the additional 10 day " hold '' on our money to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have repeatedly reached out to national credit systems for more information on the debt appearing on my XXXX, XXXX and XXXX account. I have called and the debt quoted to me does not match what is put online. I have tried to call original company and it is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony bank. 
I told the lady at XXXX XXXX that I have a credit card at home and she purposely made me sign for a new card because they cant do look up or bill with social security number look up. 
The mail/billing never reached my home. They said the post office returned my mail twice. They did not allow me to pay my bill over the phone because they had to figure out how to identify me. They ruined my credit. They told me that they cant fix because it took too long to identify me. 
I have the money and this sort of wrong doing is not fair. Now, I need SSI and unable to refinance my home due to XXXX credit. Now, I need to sell my condo. All my life I did what was right then one credit card company went a messed everything up. Soon Ill be in section 8 housing instead of my condo. One credit card shouldnt be able to do some damage to ones credit score.

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 2021-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On Experian, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX isnt reporting any payment information with XXXX. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the bureaus.

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 2020-06-29
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Went to the doctor several years ago. I was pretty sick with, need intervention at the time of arrival. Doctor 1 came in, said I had a XXXX and sent me on my way. Two days later I was no better, and went back to the medical center with same symptoms if not worse. Doctor 2 come in and says why didnt you come in sooner, you XXXX is basically XXXX. Two days would have been sooner enough. 
Doctor 2 Set me up for a round of XXXX and XXXX. Doctor 1 was the individual to administer treatment, and has the audacity to say looks like it got worse. 

Regardless of the situation, I was never contacted by the collections company in regards to the debt owed for what I would call malpractice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: MoneyLion 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: Account status incorrect

Complaint:
I currently have a credit builder plus loan with Money Lion, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and Moneylion has  automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and Moneylion had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted moneylion via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
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: Account information incorrect

Complaint:
XXXX, XXXX and Experian are reporting misinformation On my credit report. XXXX XXXX should show a XXXX balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX  balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my 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 2018-12-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX - XXXX {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping  careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, every time I tried to pay my bill through auto-pay it would not go through. This has effected greatly as well since Ive been dealing with reoccurring health problems and I can provide medical bills to prove it. I reached out to the company more than once and theyve done nothing to resolve this issue. I even offered to pay the entire balance due in full if they could remove the 8 late payments that were brought on due to their faulty auto-pay system. I now can not get approved for an auto loan due to these marks on my credit report and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Certegy Holdings, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Summary of declined check at XXXX Date declined XX/XX/2018 time XXXX XXXX  Personal information : Check # XXXX amount {$230.00} Supplied receipt of denial with Certegy contact info and procedure to request report. Request made on XX/XX/2018 confirmation number given Received report CONSUMER FILE DISCLOSURE REPORT from Certegy  XX/XX/2018 Contacted Certegy and XXXX by phone XX/XX/2018 to inquire as to details within report. No clear reason could be given for denial.

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 2020-06-29
Company: EQUIFAX, INC.
State: NC
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 FILED MULTIPLE DISPUTES WITH XXXX   THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT XXXX MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT THE STATES EMPLOYEES CREDIT UNION ACCOUNT, THE XXXX FINANCIAL ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS NC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: A & E Futures LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per notification letter from XXXX XXXX XXXX states they will collect interest, late charges, and any other charges that may vary from day to day. Under the fair debt collection laws Section 808 ( 1 ) it states they can not misrepresent the amount of your debt or collect any amount greater than your debt. XXXX XXXX XXXX are being misleading with the amount of debt that is supposedly owed.This company has violate the fair debt act and my rights as a consumer in there notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: SLM CORPORATION
State: MD
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 have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX  and XXXX  are reporting inquiries on my file differently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collecting company ( Commonwealth Financial Systems , Inc ) is wanting over {$2000.00} for medical bills for dates XX/XX/XXXX and XX/XX/XXXX for a hospital visit that I didn't even go to! I've tried calling but no one answers, I sent a letter telling them that they have the wrong person and nothing. I've looked at reviews for this company and several people say that they've gotten the wrong person. My credit now shows that I'm in collections for over {$2000.00}, I've been working really hard at getting my credit good and I have paid off everything that I know I owed and I know I do not owe any medical bills for these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation