BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: CarMax, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX is attempting to seize my property on a debt that they can not validate nor verify. XXXX XXXX XXXX has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : 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 2021-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a capital one bank client for 15 years.. I have business and personal checking, savings and credit card accounts. One XX/XX/2021 I received notice that my Capital one personal and business credit cards has been closed, which was 5 in total. I contacted them serval times and was told that my account was closed first because of a return payment which when the customer service rep reviewed all my accounts he found out that wasnt true, then i was told the reasons for the accounts being closed would be mailed to me. I called again the I was told they where being closed because of activity with capital one or another bank account which they could never tell a specific reason why and then i was told the department that closed the account cant be contacted and there was no contact information for that department. All my accounts was in good standing and never made any late payments. I truly believe its some form of discrimination which is why i was never given a specific reason. Attached are the 5 letters they sent me of the 5 accounts they closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 made many inquiries to Transunion concerning one late payment on my personal credit report that shows late on XX/XX/2020 by XXXX XXXX XXXX which they have sent letters to Transunion stating its reporting in error. I have never been late on anything in my life. I sent every document to Transunion to prove this and to remove the one derogatory late from XX/XX/2020 from my personal credit bureau at once. They said they would. They have not so here we are again for the 6th 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 2021-08-12
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2021 an error was posted on my credit reports by XXXX XXXX. I submitted a dispute with all 3 credit bureaus and was in contact with Ally on the matter. XX/XX/2021 XXXX called me and said they found the mistake and sent the paperwork to the credit bureaus to have the mistake removed which all 3 companies did.

The problem is with Experian. When the mistake happened it lowered my Experian score 34 points. When the mistake was removed it only returned 13 points. I called to ask why and Experian said there is nothing that can be done to look into, and or fix it, and that I just have to wait for the algorithm to " self-regulate ''. The thing with algorithms, when the data that caused -34 points is removed from the equation, then the -34 never happened in the first place and I should have seen a +34 upon removal of said data. This is exactly what happened with XXXX  and XXXX  but for some reason Experian can't do math and they are not willing to accept and correct their errors. 

Experian even marked my dispute incorrectly. They remove the erroneous 120 day late payment. Yet marked my dispute as " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' They seem to be very confused about what they are doing over there.

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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Billing dispute for services

Complaint:
On XX/XX/2016, I requested a credit report from Transunion. Without my knowledge or consent this signed me up for a $ XXXX/month 'credit monitoring ' program. I never signed up for this. Every month {$21.00} has been taken from my account for a service I do not use nor ever singed up for.

I spoke to their representatives who said they could only reimburse me for the past three months. Their emails went to my spam, and I didn't notice the {$21.00} charge until this month.

I can't imagine anyone would knowingly sign up for a {$21.00} monthly charge to 'monitor ' their credit report when they could just freeze their account. This is totally absurd and has cost me over {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I created a XXXX Account in XXXX XXXX. After the account was created i wanted to transfer all of the devices from 1 account to the new account. What was done was, all of the mobile devices were transferred but XXXX did not transfer the tablet that was on the account and by their policy you can not have only a tablet on a mobile account so after 6 months of various charges piling up, I was finally notified about what was going on. After trying to resolve the matter what ended up happening was that there was a payment plan set up to pay off the current bills and the bills accrued from the other line still being open. 

The account was fully paid off and up to date with no missed payments and as of XX/XX/XXXX there was a {$0.00} balance on the account and i decided to transfer all of the lines again and close my current that was in my name and transfer them to my mothers name so that i may leave XXXX due to them cutting my phone off for no reason every few weeks and having to call and stay on the phone with them for hours just to correct the problems they were causing. 

The account was closed and all of the devices were transferred correctly this time, but this time there were charges applied to the account AFTER it was closed, not transferred to the new account, but applied to the closed account. 

I was notified by a collections agency in XX/XX/XXXX that they had taken over the debt from XXXX and that XXXX had filed negative remarks on me to the credit bureaus. After contacting the debt collector to gain information they simply wanted me to pay it but had no control over what would happen with my credit. After contacting XXXX and asking them would they give documentation stating that if i did pay them the debt, even though i knew that there shouldn't be a debt, would they give me or send information to the credit bureaus to have the item removed, they stated that whether if i chose to pay the debt or not that it is their company policy to not change any information sent to any credit bureau as they want the negative remarks to remain on the accounts for no less than 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX XXXX OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation

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 2018-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a transfer from the Bank of America website. It was an external transfer from XXXX XXXX to my checking account in Bank of America. BOFA withdrew {$1000.00} from my XXXX XXXX  account but never deposited in my account. I has been about 3 weeks already with no resolution and every time that I call them, is like I never called before. I logged in the BAFA   website and requested a {$1000.00} transfer from my XXXX XXXX to my BOFA account. Having done this before, I thought everything was going to go as expected, but it didn't. Initially, BOFA was playing the blame game and was trying to say that XXXX was to blame for this. After long talks with XXXX XXXX   management, we finally realized that BOFA was responsible. The withdrew the {$1000.00} and they are the ones able to trace it and let me know what happened with my money. I am not sure what to do here, but at this point, I feel like this money was stolen from me. The outrageous it that I because of this, I was not able to pay the full amount of my credit card and BOFA is already trying to collect the interest when everything was their fault, to begin with.

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 2020-08-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My FHA refinance was started in XXXX of 2020. To date, it has not closed. I have had three different processors and have been to a manager who told me he would take care of it over a month ago. I have not been contacted in three weeks. I have been ignored and no one responds to me. Every-time I escalate my concerns I am told that the prior person left the company and they are trying to replace them. It has now been six months and no one is working my file. I have tried calling and emailing and continue to be ignored. My rate expired after 72 days and no one will answer me as to whether I get the lower FHA rate. I am just left out here with an unprocessed loan for the last six months. I continue on my own to research and try to reach people in management positions to resolve the issue.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX  has denied deleted a fraudulent account. ( XXXX XXXX XXXX ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, XXXX has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on XXXX XXXX like Bank of America and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX XXXX, XXXX XXXX also the XXXX report numberer is ( 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 2020-10-17
Company: ID Analytics, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a XXXX XXXX  XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX ) that took me to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX  score on the date of application was XXXX ( from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of Sagestream LLC. 

On XXXX XX/XX/2020 I received the XXXX XXXX  credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by Sagestream LLC. 

I tried to contact Sagestream LLC via their telephone unsuccessfully. I tried to obtain my credit report via their website ( https : //www.sagestreamllc.com/ ) and was not able to via the reference numbers of the XXXX XXXX  credit rejection letter.  Sagestream LLC was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as XXXX XXXX  as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that XXXX XXXX  uses the outstanding balances as a revenue source and that I would not be revenue source. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Real Time Group, Inc.
State: UT
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:
Real Time Resolutions is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with XXXX  XXXX XXXX. I have never had an account with XXXX  XXXX XXXX  and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for an {$7500.00} loan with a company called XXXX. It was approved and I accepted it. Eventually this company filed bankruptcy in XXXX and I was unable to find information on the loan anywhere. It was then sold to a company called Younomics and was acquired in XXXX. By the time I found the loan again it was {$23000.00}. The APR was also 11 %. Then in XXXX the APR 11.25 %. Then the APR was moved to 11.75 % in the same year. Then the APR was moved to 12.5 % in XXXX. Now the APR is 11.75 %. 
The actions I have taken are that I have contacted and called them to find out information about why a {$7500.00} loan that was missing for several years is now {$34000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SEE ATTACHMENTS

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 2018-10-10
Company: KEYCORP
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is about Key Bank private loans and XXXX the servicer. 
I am a co-sign for a person 's loan. that person graduated from School about 11 years ago. I have not seen the person or talked to this person for 10 years now. This person has been paying the loan on time for 11 years and counting. I've asked for a co-signer release every year and got denied. I am trying to understand why is this such a hard thing to do for the loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: NC
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 been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America has caused me Financial Deformation by reporting on XXXX. By reporting me on XXXX I am unable to open up a bank account. I have called Bank of America several of times at XXXX XXXX XXXX XXXX and got horrible customer service and no resolution. My social security number is 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 2018-10-10
Company: Kimball, Tirey & St. John LLP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear, CFPB I am making a complaint for XXXX, XXXX, XXXX, and Kimball tirey st John.  There is a debt from the creditor which is kimball tirey st John original creditor which XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I have a document saying the creditor agreed to delete this account. As of today it is XX/XX/XXXX XXXX, XXXX, XXXX  has not deleted the account which is violating FCRA statue of limitations and can possibly be sued and fined for {$1000.00} per each. I am having difficulties with all 3 bureas and creditor that agreed to deleted in it's still not deleted as agreed. They also increased the balance to damage my report after they agreed to delete, what they do is increased and decreased which damages a score. This is a violation under the credit act.. This must be deleted immediately. I will upload the page from XXXX and current updates for my proof in case I have to proceed with litigation and violation fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was paid ( settled ) in full on XX/XX/26! Company is showing reduced balance but not that the account has been paid and settled

Company response to consumer: Closed with explanation