BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX for XXXX store credit card. 
I had an opened account as described above. I did not use the card. There was a bill for {$9.00} that I do not believe came from me. I was never sent a bill. The account was updated to my new address and they never sent a bill via the mail or email. I found out about the issue after a phone call from some computer talking machine that mentioned XXXX. I could not ask the machine any questions. I did not know what this was about. I researched and found they reported me as being 30 days late to XXXX and XXXX. I am naturally reluctant to pay a bill until found out more details. I called XXXX XXXX and the person spoke in broken english. So I wrote a dispute letter and faxed it to the number given by XXXX XXXX. I new time was important. XXXX closed my account the day after I faxed my dispute. I believe it is illegal to take collection action after the account has been disputed. This is very suspicious on their part. 
They do n't me a bill. There is questionable charge for {$9.00} on my account. They charged me a late fee plus interest and want to collect {$32.00} for a {$9.00} product I never received. I have called them and they speak with broken english. I am happy to pay a bill that I actually owe after I receive it in the mail and have an opportunity to review the charges. I am even more upset that they have the power to place derogatory information on my Credit Report. I believe the law clearly states that no collection activity can take place until the dispute is resolved. 
That means the cant take any negative action on my account and must remove the information reported to XXXX XXXX and XXXX. They also can not close my account which they did after they received the dispute via fax. Please help hold these people accountable for their violation of my rights and the laws that are there to protect the consumer. If they do this to me, just think how many people have been violated by these people.

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 2018-04-04
Company: Ad Astra Recovery Services Inc
State: TX
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:
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that they ARE NOT BONDED in the state of TEXAS. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Ad Astra Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  Bond number XXXX  & XXXX Amount reporting {$1200.00} Date of reporting XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fruad alerts from my credit report immediately.

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 2017-12-17
Company: BBVA FINANCIAL CORPORATION
State: AR
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:
My truck was repossessed by XXXX XXXX XXXX due to my failure to make payments adequately. My dad paid the truck off in full within the time that the bank said that we could pay it off which they told us by phone was on or before XX/XX/XXXX. They gave instructions for sending a cashier 's check by XXXX XXXX and a check was sent and delivered on XX/XX/XXXX which was confirmed by the XXXX XXXX routing number and also via phone with bank employees. The first problem was they LOST the first check, so cancellation had to be made on that check which the bank said needed to be done by XX/XX/XXXX, and another cashier 's check was sent by that date. Even though we were supposed to have until XX/XX/XXXX to pay off the truck, they had already sent it to XXXX and it arrived on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). My dad XXXX XXXX and I had to drive to XXXX to pick up the truck, and we did on XX/XX/XXXX. We have been advised by phone numerous times we would receive the title and release of lien but still have not received it. We employed an attorney who was given written permission to talk to the bank on my behalf, but he has had trouble getting them to respond to his inquiries. Other expenses were incurred in getting the truck from XXXX XXXX in XXXX including travel expenses of {$540.00}, {$580.00} fees paid to XXXX XXXX in XXXX and {$36.00} XXXX XXXX fees to send a second check. Since we do not have the title we can not put a license on the truck nor sell it. We are very upset by the unprofessional operation of this bank and their lack of integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NV
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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: U.S. BANCORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Though it does credit card business in the millions in the state, the company is not registered to do business in Michigan or in Missouri where it publishes a post office box address. Thus it provides no registered address where or resident agent on whom service of process can be had. This effectively makes it difficult, if not impossible, for it to be brought into court to answer for its delicts.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-04-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been working with Navient to reduce my loan Payments for the last two years. My original payments were {$220.00} a month which I was having trouble making. I called Navient to see if I could reduce the payment and they offer a payment driven plan stating that it would decrease the amount. This was in XX/XX/2015, the amount increased to {$270.00} which they knew I could not afford. I communicated back and forth for months, and they kept saying that they could put it in forbearance and how I could try the payment driven plan again. After the time ran out the amount increase to {$660.00} a month, which is impossible for me to pay. Now they are saying my only option is to consolidate my loan. Now I believe the loan is in default. Now I send what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CarMax, Inc.
State: PA
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:
I, XXXX XXXX, a consumer, extended my credit to Carmax Inc on XX/XX/XXXX. Pursuant to 15 USC 1679a ( 2 ), a consumer credit transaction was completed to obtain a XXXX XXXX XXXX for personal use. After receiving my vehicle 's Certificate Of Title, and Delaware Dealer 's Reassignment I took my vehicle and documents to a tag shop which was a Pennsylvania Department Of Transportation affiliate to get my vehicle registered. After registering the vehicle it was noticed that XXXX XXXX USA was labeled a Lien Holder in error. I sent XXXX XXXX USA a Debt Validation letter per the CFPB to Validate any alleged debt. XXXX XXXX XXXX responded per the CFPB stating that there was no debt, but CarMax needed to contact XXXX XXXX USA to rectify the error. CarMax was notified and contacted XXXX XXXX XXXX to release the title to CarMax instead on XXXX XXXX, the consumer who is the rightful owner. CarMax is now labeled a Lien Holder on my Title Number # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: LA
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:
Hey in Last year send all documents to credit bureau never got any response back items still remind on my credit report by law after 30 day 's no response company supposed remove items.

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 2018-08-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: Checkr, Inc
State: CO
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: Public record information inaccurate

Complaint:
I tried to apply for a job with XXXX and XXXX.. the background company checkr reports that my license is expired ... I went to the dmv and paid for a drivers license record ... I sent the record via email to checkr.. they sent me another background check when the same wrong information ... they told me they get their information from the dmv ... but if I got my record straight in person from the dmv they should fix their misinformation .... my commercial drivers license is canceled at the moment but not my regular license ... in the middle of the front page is where to find the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Paramount Recovery Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
While attempting to make arrangements with Paramount Revovery for medical debt the representive made a statement about the negative reporting stopping us from being able to get mortgage, it was absolutely used as a threat.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the COVID 19 Pandemic the primary head of Household in our family became unemployed. The servicer of the mortgage Select Portfolio Servicing Inc. put our loan modification that we have been paying on time into  forbearance until the pandemic is over. 

They also said that we could apply for a loan modification and we submitted documents and was denied twice. 

The reason for denial the servicer stated that our income was not evaluated in the decision. 

The servicer is in violation of Federal Reserves requirements with respect to having to review all loss mitigation alternatives. They also must review my income as per the qualifying criteria set up by the FED. Under the FED 's Statement on loan modifications under COID 19 as of XX/XX/2020. They also must review to reinstate the previous active Loan Modification.

See attached supporting documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries. These were not obtained with my consent. On XX/XX/2022 I reached out to the credit bureaus to validate these inquires and I have not received any proof of validation. I requested that documentation be mailed showing where I authorized these inquiries, a agreement with my handwritten signature. Here are previous dispute ID numbers. 
XXXX XXXX XXXX XXXX Where I have requested validation documentation

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 2019-08-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Today, XX/XX/2019, I received the enclosed email from Chase Online Bank Team. Allegedly, my account needs restrictions removed. The scam is, I dont have any Chase accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: HW Holding, Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are fraudulent and are falsely reporting on my consumer report. I request that all accounts and inquiries be removed from all credit bureaus immediately. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX XXXXXXXX {$2400.00} Hard Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation