BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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:
I want to inform the Experian and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased this vehicle from XXXX online I had a 7-day test trial the vehicle had over XXXX miles. After driving the vehicle for 3-4 days, I advised the company that the car was not shifting gears correctly. On the sixth day of having the vehicle, I advised the company that car would not start s and I was left stranded they sent me to a local service station where I was given a new battery and I advised the mechanics to check for possible transmission issues I was told that the vehicle was fine. Within 90 days, outside of my XXXX-mile warranty, the car transmission gears continue to shift and I continued to have issues with the vehicle. The car transmission went out and I was left with no vehicle it sat in a service shop until XX/XX/2022. The car was repossessed because I stopped making payments on the vehicle because I advised the company and the XXXX dealership the the car was having transmission issues from the very beginning. I recently viewed my credit report and noticed the company wrote off the car for XXXX before repossession of the vehicle. I knew from the very beginning of the loan contract that the transmission had issues I kept taking it to their service center that passed the vehicle with flying colors. I am a XXXX XXXX  and the loss of the vehicle cost me income. I believe that XXXX sold me a defective vehicle knowily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have demanded a cease and desist to these debt collectors and I also demanded this consumer reporting agency to cease reporting pursuant to federal law 15 usc 1692c ( c ) they are also in violation if they continue reporting negative, inaccurate accounts to my report. This reporting agency does not have permissible purpose to report this information pursuant to 15 usc 1681b.

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 2022-01-14
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammer contacted me by email about a job opportunity as a personal assistant/payroll clerk. I accepted and for the first assignment, he wanted me to deposit a check that he sent me through mail that contained {$3800.00}. I deposited in my bank account and he wanted me to withdraw it in the form of a cashier 's check to transfer it to a XXXX XXXX account that he gave me. He said he was going to pay me for doing the job but instead, the next day the check that I deposited came back as fake and I had to pay {$3800.00} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I paid off my student loans six years ago and still have the document from XXXX XXXX congratulating me on paying them off. This was in part due to an anonymous payment of about {$15000.00} made to my account about six and a half years ago. When I called to ask about this anonymous payment, I was told that they could not reveal where that payment had come from, but that it indeed was there in my account. I paid off a few thousand of what remained of the loan and received the letter stating the complete discharge of the loan. Five years later, XXXX XXXX or its surrogates began contacting me through mail and phone saying that I had not paid off the loan and that the XXXX was a mistake that they had made. I have not received any proof that this was a mistake, just the assertion of it along with notices of default and threats of tax return garnishment, wage garnishment, or other legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is hiding my credit and not reporting it accurate!!! 
Experian is trying to black mail me into monthly payments monthly telling people who run my credit I don't have any accounts when they have my credit blocked inside of my account already but they not reporting these accounts existed they are saying I have no accounts or a score unless I pay them this is a scam!!! 

I have had XXXX credit cards over 28 years for a over XXXX in credit and never missed a payment 100 % payment history! 
I have always made payments on time never ever late 100 % payment history It's insulting to hear them tell me for a monthly payment I can have them report nice things about my rent and utilities this is not credit from a lender so what they trying to charge for is laughable will not help anyone borrow in the big picture!!! 
I am providing picture as proof of the Experian scam & fraud they trying to pull ... ....

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 2023-04-11
Company: Mr. Cooper Group Inc.
State: CA
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:
XX/XX/, my mortgage company NationStar Mortgage transferred my loan to MrCooper. I was told nothing should be changed on our end for the transfer. I had been paying my monthly mortgage on time each month. Me and my wife XXXX XXXX even called the new mortgager MrCooper, they told us everything looks good to go. Our latest payment was deducted by NationStar, and new payments are going to MrCooper. 
However in XX/XX/, we found out that both of our credit scores were dramatically dropped from XXXXto under XXXX, a big more XXXX points drop, this affected our ability to get loans ever since. We both had perfect credit scores and were always able to get the best interest rates before this event. 

We did everything perfectly on our end, and as mentioned had been paying everything on time. Due to the errors by the two mortgage companies, they were not able to transfer the payments on time between time, or couldnt reflect it correctly on their system. As consumers we suffered credit drop, we contacted them to get the credit report removed so our credit score can be fixed. However its been 2 years and its still not fixed. 

The mortgage companies have confirmed on their end payments are received on time, and in their system adjusted as needed however never fixed our credit history. 
I would like to have both of my ( XXXX XXXX ) and my wife XXXX XXXX XXXX ) s credit monitoring be fixed with all three credit bureaus by the mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: IL
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 4th 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

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 2023-04-11
Company: Upgrade, 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:
Please furnish written proof and documentation of where I was provided assessed a late fee to the account which I never received that precedes and notifies a consumer in-advance prior to a 30 day late being placed on a consumers credit report. I never received nor was assessed with any late fee and or any past due notice from this company. The account is current and was current on as of XX/XX/2022 billing cycle therefore the 30 days late is inaccurate information being reported on my credit bureau file and should therefore be deleted from my credit bureau file. Please remove the late payment or delete the account XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX Loan # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 non-monetary relief
Consumer complaint received 2021-02-14
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am having a re-occurring problem with my Belk Rewards Mastercard account closing out completely.My husband and I go online each month and pay our monthly bills and this one bill in particular keeps mailing me more hogus-bogus $ XXXX- {$500.00} each time I get it all paid in full the first time.I have called and got it all explained about how my husband and I have already paid it and then how the account on my bill had changed completely, so I told them that I was not responsible for the fraudualant changed account number.This company never stop harrassing me with fraudulant bills still being sent to my residence and has me still oweing something more and more, under a : XXXX # : XXXX. Noy my account number at all.The address is:XXXX XXXX XXXX XXXX XXXX. Send payment to : XXXX XXXX, XXXX. I want a law suite if this is still on my credit card credentuals that will show neglagence on ever getting resolved and changes being made every so often for more money being owed and not my responsiblity to pay any longer.S.B.

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 2023-11-28
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX, XXXX These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics. 

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/2022, I opened a TD Beyond Checking and TD Savings account in branch at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, as I received a mail offer with bonuses for account opening and fulfilling a variety of criteria. The criteria for the savings account was to deposit {$10000.00} in the account within 20 days of account opening and maintain the balance for 90 days. 

Naturally, I linked my other external accounts to the TD accounts for transfers ( some of my accounts were older, so it would be good to concentrate my funds in a more central account ). I made a variety of transfers in the first week or so my account was open to work toward the {$10000.00} balance. Along the way, I made an internal transfer of {$6000.00} ( most of the available balance indicated in my online banking ) from the TD Checking to the TD Savings account ( as some of my external accounts could not connect to the savings account, so I deposited to the checking account first ). 

On XX/XX/XXXX, I found that a deposit from one external account was rejected with no explanation ( I already verified with trial deposits ). On XX/XX/XXXX, I was locked out of the external transfer feature altogether. On XX/XX/XXXX, I was locked out of my account with no access to my funds. Then, two deposits were returned to the original accounts, and deposits from two others were frozen and removed from my available balance, leading to the {$6000.00} internal transfer mentioned above somehow causing an internal overdraft with a fee. 

Throughout the week, I have called TD customer support, and they have been exceedingly unhelpful, unable to restore access to my bank account or give me access to my funds. I then went into the branch on Thursday, XX/XX/XXXX, and they were unable to restore access as well, though they did take in the request to review the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: A & O Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Company: OneMain Finance Corporation
State: FL
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:
Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.

Company response to consumer: Closed with explanation