BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: LA
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 has and is reporting inaccurate information on reports from XXXX, XXXX, and experian. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 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 2020-05-04
Company: MarineMax East, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hello, my complaint is as follows. I was engaged with New Coast financial services in regards to a boat loan. Through the process they collected significant amounts of Financial and non public information. 

At no time in the process did they provide a notification of their policies and practices for protecting my NPI. They collected my NPI on a non secure XXXX XXXX and routed my personal information over non secure email. Nor did they disclose the 3rd parties my data has been shared with and what their policies are re : protecting consumer NPI. 

I have substantial assets in the accounts they collected information on, and I received no response in regards to my queries on their policies for protecting and or destroying my NPI and PPI. 

I am a former XXXX XXXX and have intimate familiarity with the As a broker or lender you are governed by Gramm Leach Bliley Act, or GLBA which requires financial institutions to provide clear and understandable notification of the companies policies and practices for protecting NPI. And that the notification must be made explicitly on paper or online, and must meet specific disclosure requirements. 

The company failed to provide any such notification during the application and data collection process and failed to respond to my direct questions regarding my privacy rights and their responsibility for protecting my NPI. 
I am a victim of financial fraud in the past and am deeply concerned that New Coast Financial is miss handling my NPI.

here is the contact of the individual I was working with ....

XXXX XXXX XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Newcoast Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct XXXX XXXX fax XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: SYNCHRONY FINANCIAL
State: MA
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:
XXXX XXXX Credit cards / Synchrony Bank is charging a " Card Security '' fee monthly. You are auto enrolled into this program with sign up, without explanation. Upon speaking to customer service regarding a refund, they state they are unable to. These are shady business practices. I have been charged monthly since XX/XX/2011. The fees are up to around {$150.00} a month now. Paying the bill every month, yet my balance goes up. Never told that I was enrolled in this program, never told this was an optional 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 monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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: Investigation took more than 30 days

Complaint:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations

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 2017-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
During the Equifax breach, my information was released and I fear my credit score will now be reduced significantly. As a XXXX looking to find a house, apply for loan, etc. This is of great concern to me and I do n't know what steps should be taken to protect and restore my credit ( if necessary )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: LoanCare, LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Back in XX/XX/2020 when COVID-19 had recently begun my mortgage was in a Forbearance program with XXXX/LoanCare because I was having some difficulties paying my mortgage. My son was helping me pay the mortgage but with COVID coming on the scene he got laid off. 
It was around this time that I was contacted by XXXX XXXX XXXX XXXX XXXX. They claimed they could help me. They would investigate my current mortgage to see that operating procedures were legitimate and they would also inquire with the many programs that the federal government has, to try and see what help I would qualify for. They would also negotiate with the owner of my loan to see if they could get them to give me a lower interest rate. According to XXXX XXXX XXXX it normally would take no more than 120 days. During the process they would keep me apprised of how things were going. They had me sign some paperwork i.e, Author. to Represent Form, Notice to Cease & Desist, and a " qualified written request '. They would call me once or twice a month to tell me " everything was fine '' but would not give me specifics. XXXX is the first month that they have not contacted me and they have not returned any my calls.

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 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I visited BofA office on XXXX XXXX ( Saturday ) to make the international wire transfer ( XXXX XXXX $ ). The money was withdrawn from my account on XXXX XXXX ( Monday ), but the recipient still hasnt got the funds ( today is XXXX XXXX ). The wire transfer details are correct.

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 2017-11-27
Company: Ditech Financial LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ditech Financial LLC first appeared on my credit report and at the register of deeds office in XXXX XXXX N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with Ditech, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called Ditech lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed Ditech from my credit reports. XXXX then contacted Ditech and requested a " Quit Claim Deed ''. After his initial contact with Ditech Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CarMax, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested to have carmax auto finance account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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:
After the original creditor responded to a dispute, Experian opened up a new dispute but I do not feel they fully looked into the dispute because the account still reflects incorrect information even after the original creditor supplied information directly to me. Experian reporting does not align with what the original creditor supplied to me, and the account reported on Experian 's reports shows that it has not been updated since XX/XX/XXXX. Experian has not handled this dispute process accordingly and I would like the tradeline removed until corrected. 

XXXX is the original creditor that is still reported on my credit report and has been disputed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Experian as well as reported a complaint with the CFPB XX/XX/XXXX and there have been zero changes by Experian and how they are reporting this tradeline and information. This tradeline is also reported on XXXX  and there are inaccuracies between the two when compared therefore Experian is reporting incorrectly.

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 2021-06-01
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: Was not notified of investigation status or results

Complaint:
Credit bureau was contacted via mail on XX/XX/2021, XX/XX/2021, and by phone on XX/XX/2021. I requested that they provide their method of verification for a bankruptcy listed on my credit report. They have not responded at all to the letter mailed on XX/XX/2021. I resent the same letter on XX/XX/2021 and still have not received a response. On XX/XX/2021 I was able to reach a rep on the phone who told me that they do not have any records of any letters being received by me to them. I asked for a supervisor, who's name is XXXX. XXXX gets on the phone and advised that the address I have is incorrect. 

I asked XXXX to pull up the report # I have and to look at the address provided XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX ) for consumers to send information to. XXXX looked up the report and advised me that he will try to have the information corrected, as the address for disputes on my credit report is not the correct address and that I should send them to : XXXX XXXX XXXX XXXX, GAXXXX XXXX. 

Now I have to resend the request for information letter again, and wait another 45-60 days. How can they have the wrong information when we are trusting them to have the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21 l XXXX went on line to request a credit limit increase and to determine if they would do a credit limit increase without a hard inquire. I was only updating my info. Also the information I got online stated that in order to finalize the process l would need to finish the process. Finally, the rep admitted that the process could not be completed without verification but they stated they can still giving a customer a hard inquiry. 

Citi bank is in violation of the law by not legally verifying a customer 's identity.

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 2019-04-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX XXXX XXXX XXXX. The dates they had at XXXX XXXX XXXX did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with XXXX XXXX XXXX and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe XXXX, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.

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 2018-03-22
Company: SYNCHRONY FINANCIAL
State: NV
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:
On XX/XX/2018, I submitted a payment of {$25.00} in the system of PayPal extra MasterCard, paypal extra tried to extract {$670.00} ( NOT {$25.00} ) my bank declined the transaction, now they want to charge me {$25.00} late payment and consequently damage my credit history. 

It is important to mention that extra PayPal and PayPal are two completely different banks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: MN
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:
EQIFAX For several years I had no issues with my online account, then toward the end on 2019 I could no longer access my account. I attempted to change my password with no success. I contacted Equifax and they requested hard copy information. I sent a hard copy of my Drivers Licence and SS card on XXXX XX/XX/2019. I have had many phone communications with the company, usually ending in password reset. My final communication was that I would be no longer allowed to have an online account. 

I would like my account access restored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attached my original complaint dated XX/XX/2019 and on the same date I forwarded a copy to the NYS Department of Financial Services via online. NYS Department of Financial Services, Ms. XXXX advised me that their office forwarded a copy of the attached complaint to the institution. To this date I have not received any correspondence from the institution. My complaint stems from the following : 1. Additional Late Fee ( currently {$200.00} ) 2. Receiving the Escrow Notification Late 3. Tax Increase with no supporting doc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: General Motors Financial Company, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: EQUIFAX, 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:
The following accounts and credit inquiries listed on my Equifax and XXXX XXXX credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a youth organization where I mentoring at risk youth through the sport of basketball, so I registered them for a local basketball tournament ( {$220.00} ) which turned out to be a scam. I reached out to the organization ( XXXX XXXX ) with was supposedly hosting the tournament me and they constantly keep text and emailing me that the refund was being proceed which will take 7-10 days its been over a month and now no response. After further research I've discovered that this company ( XXXX ) has been scamming people all over. I reached out to my bank Chase and all they could say was because I sent the money through XXXX its nothing I could do. We are a small organization on the south side of XXXX trying to help our between the age of XXXX and don't have a lot so {$220.00} is small to other but enormous for us. I feel like I didn't request my bank to add XXXX to my banking option and NO ONE from their company fully informed me of the precautions or operations of XXXX and figure because it in my banking options that it is safe to use or was backed by the bank. I just need some help trying to get our {$220.00} back so we can continue helping our community.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2021-09-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
As of XX/XX/XXXX of 2021. A judge and MCM lawyer found that I was exempt on continuing writ of garnishment. I filed complaint with you all back in XX/XX/2021, and they said they would cease and desist debt collection. Even though they said that they had legal to but the thing is my situation has not changed I have kids that I take care of nothing has changed. Yet, here we are 3 months later them sending me a letter trying to collect even though they said they would put a cease and desist on my account cause I do not have the money. This was a debt that I had when I was married and my wife used up the card when she lost her job. So I will keep filing my complaint cause we put this already in front of a judge and proved that I am too poor to pay this debt.

Company response to consumer: Closed with non-monetary relief