BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: CarMax, 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:
This letter is in response to your letter XXXX see attachment below ) on XX/XX/2021 related to the CARMAX XXXX XXXX debt. I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt for {$8000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$8000.00} payable to CARMAX XXXX XXXX in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of CARMAX XXXX XXXX. The letter will be treated as a contract and subject to the laws of my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-05-07
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX , XXXX contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX has just destroyed every credit report ( transunion, XXXX, XXXX  ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. XXXX XXXX is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquires on 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 2022-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on an automobile loan account under anopen and consumer credit plan late for any purpose.

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 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Multiple Erroneous charges to a Bank of america Pre paid card that I never received, Rampant mailthifet on property and have ben advised to report to local police and post office for recording and doctuming incidents Ive Ben a victim of mail thifet and identity thief and some one has Ben using a card from bank of America to use unemployment benefits I alocated in my name.

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 2017-12-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Already a victim of identity theft, Regions did n't make it any easier after all the Harsh Emotional Distress, Pain and Suffering Humiliation they put me through 1 Week of visiting 8 Regions Bank the last branch I visited XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I Opened 3 Bank Accounts ending in,XXXX,XXXX,XXXX Which was opened by a Branch Manager XXXX XXXX XXXX work tirelessly to open these accounts reached out to Fraud departments and operations manager 's ETC. Because I had been to several previous 7 other locations because no one would look deep into my situation to help me on XX/XX/XXXX My Bank Accounts were froze by region accounts screening for new accounts up into today me filing this report. Due to a system called XXXX XXXX so I got all information from XXXX XXXX and XXXX  XXXX my consumer reports filed from these companies stating everything was paid to XXXX $ balance and nothing fraudulent reported I emailed those documents to XXXX as he instructed me to. To have the holds and freezes release on my behalf and he did that indeed He reached out and emailed the documents to a XXXX who had placed the holds on my accounts for over week canceling my direct deposit had my money sitting in a limbo she fraud fought him on the issues ignored he request to remove holds and any freeze After she received verification that I do not owe money or had anything fraudulent reported I sat with XXXX for a hours 5 days a week up until XX/XX/XXXX I saw his frustration he could n't give a explanation on why regions was so harsh on me and did n't accept me as a law abiding citizen of the united states of America I could n't no longer endure the embarrassment from regions as I said on XX/XX/XXXX I told me XXXX XXXX to have my money released so I move on and close the accounts its obvious regions do n't want to accept me a client its harsh situation on their behalf he reached out again to a " XXXX '' The Annalyst Fraud Agent Responding within seconds she removed the holds and closed out my bank accounts.But did n't have the decently to respond to a regions Branch Manager after several messages and emails to remove the holds and freezes.To keep my bank accounts open which was approved by branch manager. It was like she took it upon herself to judge me and discriminate against me base on false accusations and inaccurate reported information.

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 2023-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. 

I informed Portfolio Recovery Associates LLC that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2018-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was recently informed of negative information reported by Bank of America included in the file XXXX   maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Suspected Fraud Activity in XX/XX/2017. 
The fraudulent activity happened on my sons minor account which was a joint account to my own. My account was not compromised and this fraudulent report has been added to my XXXX  report and needs to be removed. This inaccurate information is keeping me from obtaining a bank account from other financial institutions as my profile is showing up on their early warning system. 
Please validate this information with Bank of America and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
For your reference, my personal information is as follows : SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: Real Time Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In XXXX of XXXX I mailed a money order check to XXXX XXXX for my HOA fees. In XX/XX/XXXX I received a letter from XXXX XXXX they did not receive my XXXX payment for my HOA. I attempted to contact XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX by calls and they have refused to communicate with me. In XX/XX/XXXX I received a call from Real Time Solutions regarding my HOA fees. They stated they have a lien against my house and I needed to make payment. I was able to go to my back and find the {$500.00} sent in XXXX was never cashed by XXXX XXXX. I received the funds and made the payment to Real Time Solutions for the {$500.00}. Now Real Time solutions has the account in collections for my XXXX fees. Between the HOA or Real Time Solutions they have added over {$500.00} in fees and around a 65 % increase on my bill. This is excessive. Also, when I was first contacted by Real Time Solutions in XX/XX/XXXX I was told they have a lien against my house. I contacted my local county court house and there is not lien against my house. I made my final payment today and asked for a lien release. They stated it's in the paperwork I signed when I purchased the house. This is a play on words. I had to scramble to get these funds together ( on a current account since I paid the {$500.00} past due ). This is unfair and deceptive collections practices. Between whoever adding 64 % fees ( Real Time or the HOA ) and having someone to call and cause stress to my family over a missing payment that the HOA managment company probably lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( 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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
MY CREDIT REPORT WAS RAN WITHOUT MY KNOWLEDGE OR CONSENT. I AM A VICTIM OF IDENTITY FRAUD. 

INQUIRIES : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.

NEGATIVE ACCOUNTS : XXXX XXXXXXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX # XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX****

Company 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 2021-11-30
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern, I checked my personal credit report, which I acquired from XXXX and Equifax organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I am unaware of these inquires from XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX }. I am unaware of these inquires from Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) I contacted every creditor who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: The Law Offices of Gregory Alexandrides, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was experiencing severe financial hardships, and I fell past due in paying my HOA dues. I was current and paid the HOA fees on time from XX/XX/XXXX up until XX/XX/XXXX is when I fell behind. I paid on time quarterly for six years. I was in and out the hospital in both XXXX and XXXX and became consumed with doctor bills which caused me to fall behind on payments. As of XX/XX/XXXX my balance was {$560.00}. As of XX/XX/XXXX my balance jumped from {$560.00} to {$1500.00}. I am not sure how the balance nearly tripled in a matter of three months. If I couldn't afford {$560.00} how can I afford {$1500.00}. They are charging late fees and legal fees which I don't believe are legal. I made payment arrangements, however I could not afford the payment plan. I contacted them today and my balance has increased from {$1500.00} to {$2000.00} which is ridiculous. I was prepared to pay the amount I owe but I can not afford the illegal excessive late, collection, and legal fees. Again I am willing to pay but please let me know the amount I owe. In addition I am an employee at the CFPB and I will be escalating this to our Enforcement division because I know this is illegal. I was told I was charged {$1000.00} in attorney fees which is the cost to prepare documents. It is no way it is legal to charge a consumer almost {$1100.00} to type and mail in documents. Furthermore I don't even believe this is a law firm this a collection agency posing as a law firm. I will also be filing a complaint through the Congressional office. Again I am ready and willing to pay what I owe but I will not be paying the illegal fees you all are adding to the balance.

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