BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: CarMax, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021, I contacted XXXX to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that CarMax tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if CarMax denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, CarMax plus two others. If XXXX had told me to wait a couple hours before allowing CarMax to check my credit, my loan would have been approved by CarMax - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be CarMax. It is XXXX 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, CarMax did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way CarMax does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with CarMax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: TN
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : 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 2019-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I have had 2 of my accounts which is XXXX XXXX and XXXX charged off. I just recently found out that I was affected by the XXXX  breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX  breach and possibly 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 explanation
Consumer complaint received 2017-12-06
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FRAUD. Selene Finance is not a registered party on the property as confirmed by XXXX, XXXX XXXX  City Registry. 

In their response by XXXX XXXX on behalf of Selene Finance LP dated XX/XX/XXXX, XXXX XXXX failed to provide an explanation to : " Selene Finance is to specify their relationship and affiliation to XXXX aka XXXX as to which they referenced in their response Paragraph 3 line 2. '' This is my third request for Selene Finance to clarify their relationship to XXXX aka XXXX that XXXX XXXX made references to in her letter dated XXXX XXXX. 

Since Selene Finance failed to provide an explanation to their relations/affiliations with XXXX, I have contacted XXXX XXXX City Registry ( XXXX ) and XXXX. I was made aware that neither XXXX aka XXXX nor Selene Finance LP have registered on the property. 

This information is a PUBLIC knowledge and can be verified by XXXX, XXXX XXXX City Registry and XXXX. 

Please investigate why XXXX aka XXXX aka Selene Finance are not registered as required and are operating in a FRAUDULENT manner. 

*Note : no additional authorization is required to contact XXXX, XXXX XXXX City Registry that will provide the verification of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Problem with Citibank , N.A . 
In XX/XX/2019 I opened three savings accounts via an online application from their solicitation advertising an interest rate of 2.33 %. 

I funded the accounts using the Citibank process for account to account transfers from my credit union account in XXXX, NM by following the instructions from Citibank. The transfer of funds went well. 
On my first bank statement I received in XX/XX/XXXX I noticed Citibank was withholding for federal taxes with the information on my statement saying, " Federal Withholding Tax Uncertified ''. 

I called Citibank inXX/XX/2019 and inquired about the withholding and was informed I need to submit a W-9 and they directed me to the IRS website to obtain the form. I asked how I could submit the form and was told to fax it in. I followed the directions and submitted the form via the fax number they provided. 

XXXX weeks later, I called Citibank and asked if the form was received. I was told by the Citibank representative the forms could not be faxed in and had to be mailed! I followed these contradictory instructions and mailed in the form to the address I was provided in early XX/XX/2019. I was told to wait three weeks for processing. 

On XX/XX/XXXX I called Citibank, and after a long wait on hold time, and after explaining the problem ( again ) I was transferred to their servicing department. The message was the department was closed and I should leave a message and they would respond the next business day. I left detailed information about my name, SSN, account numbers and the reason for my call. I left a daytime phone number and repeated the number, including area code three different times for clarity. No one ever called me back or took care of the issue of my interest being withheld. 

In early XXXX I received my bank statement and noticed interest was still being withheld for taxes, telling me they have not processed either of the forms I submitted. On XX/XX/XXXX I called Citibank and spoke with a representative and told them my story ( again ) and was told I need to talk with a supervisor. They placed me on hold and forgot about me. After 45 minutes of long suffering, I hung up the phone. 

On XX/XX/XXXX I called Citibank again and after entering all the information about my account on the phone and waiting through the phone menus, the message came on they are too busy to talk to me and told me to call back in two hours then they hung up on me. 

On XX/XX/XXXX, I looked online and all three of my accounts are having interest withheld even through I submitted W-9 two different times according to their 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 2019-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this XXXX XXXX XXXX a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by Hurricane Irma. I applied and recieved a forbearance. After the forbearance, I applied for a loan modification and was told I was approved. I have made all of my trial payments but now when I call the service can't tell me when I will get modified. They keep saying it's been escalated or its worth the underwriting team. I called today, XX/XX/XXXX, and spoke with XXXX XXXX who said the same thing as everyone else. US Bank has sent me no documentation about the loan modification and are unable to give any solid answers except.its been escalated.

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 2017-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX ; there were a slew of illegal charges on my credit account. A total of 8 charges totaling {$2300.00}. I called Wells Fargo that same day and informed them of it. The lady said that they would be taken off my bill and a new credit card would be sent. A billing statement later, I noticed that only half of the illegal charges were deleted but half still remained. There appears to be 4 illegal charges charged twice to my account but only the initial 4 were deleted and not the other 4. Subsequent calls and in person visit to the bank have been unsuccessful to correct this. They claim that I must pay for these illegal charges and there is nothing I can do about it. I do n't know where else to turn. I only use my card for paying my utility and some small purchases here and 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 2019-02-04
Company: EQUIFAX, INC.
State: CA
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 corresponded with EQUIFAX in reference to accounts that are reporting on my report inaccurately and are not to my knowledge. EQUIFAX has responded stating the information has bee verified and accurate from the companies I listed. I asked for any copy of documents showing that I had contracted with either of these alleged companies, with my signature on it in WET ink and they did not provide. I am formally complaining that they have not sent me the information requested in order to verify these are my accounts. Attached is my second letter to them requesting again either copy of documents or delete immediately from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt has been sold to National Credit Adjusters, from XXXX XXXX. The alleged owed amount is {$810.00}. The debt fell off of my credit report due to the age of the debt. The debt is approximately 7 years old. The Texas statue of limitations for a debt is 4 years. I am past the limit. However, they are harassing me calling my job. Leaving voicemails. When I answer the worker hangs up in my face and gets very aggitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: ID Analytics, Inc.
State: IN
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 reporting things about my credit that is inaccurate and things they should not be reporting! 

why/how are they in business?

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 2019-02-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The monthly retail installment payment was made on XX/XX/2019 via Bank E-check as has been done since loan origination date. Payment not credited by TFS and TFS failed to locate any reference to the payment when called. Instead I was told 2 payments made 18 months ago were less than the amount due although no notification was ever sent to me. Due to antiquated Toyota policies, I was treated like a deadbeat customer and had to take off from work, go to the bank to secure a Merchant Transaction report, go to XXXX and fax the documents to TFS @ XXXX to prove payment was made.

It is the negligence and rudeness from TFS that caused me decide to not buy a Toyota again and will dump the XXXX XXXX XXXX XXXX  ASAP. There are lots of brands that don't screw up the accounting or then force the consumer to jump through hoops to prove payment has been made..

Where did my payment go?

Why was the payment not in the system?

Is this a SOX violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: MD
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 notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX And XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them 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 2019-08-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank would not refund unused months when XXXX went out of business My XXXX 12 month membership was activated on XX/XX/XXXX at {$17.00} / month. 
XXXX went out of business on XX/XX/XXXX. 
I am disputing the unused 8 months at {$17.00} = {$140.00}. 

I requested a chargeback on XX/XX/XXXX. 
Chase said that I was not entitled to a refund! 

Chase has failed to provide the promised consumer protection! 

There is no need to contact XXXX! 
They are out of business and do not respond! 
My dispute is with Chase Bank. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The company LVNV is taking me to trial court for this on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My agent and I both sent my new homeowners policy to Suntrust for payment. I uploaded it directly on XX/XX/XXXX, my agent faxed it to them the same day. 

On XX/XX/XXXX I received a " Forced insurance '' letter from Suntrust, they had failed to pay my insurance on time, even though I have a fully funded escrow account. 

I called Suntrust who told me, ' We paid it today and there will be no lapse in coverage. '' Had I made a claim in the period from XXXX XXXX XXXX, I would have been uninsured. When I asked Suntrust where to file a complaint, I was told that there was nobody to complain to, I found this website on my own. 

This is absurd, they had my money, they had my new policy and yet they did not pay it, leaving me without coverage ( Sure they will back date it because I did not have a loss and they want the money ). This is completely unfair. If this is a pattern from Suntrust, they should receive sanctions or penalties.

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 2018-07-31
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:
I asked and am asking Experian to remove a bankruptcy that they are reporting due to the fact that bankruptcy courts do not report, validate, or verify ANY information. 

I will attached such a letter. 

I also took a screen shot on their site, under my account. It shows that they are reporting a bankruptcy and that the bankruptcy furnisher is the bankruptcy court itself.

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 2019-02-04
Company: Resurgent Capital Services L.P.
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:
As of XX/XX/XXXX an account by the name of Cach LLC in the amount of {$9100.00} has been affecting my credit report. I didnt realize until I check my credit report in XX/XX/XXXX that I had this error ... So I instantly filed a dispute letter to all three credit bureaus ( XXXX, XXXX, and XXXX ) 30 days later I receive letters from XXXX and XXXX   stating the deletion of this account. Greatly pleased with the results of how fast they fixed the Incorrect error. However I dont think XXXX is taking this matter serious ... .I have called them and disputed this account as fraudulent And not belonging to me but still it remains with no validation. At this point I dont feel XXXX  is following the guidelines of the FCRA and removing this account from my credit report.

Company response to consumer: Closed with explanation