BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: CarMax, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please accurately including every notation, date, and balance whether reported or not. 
[ Carmax Auto Finance ] [ XXXX XXXX ] I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. 

You are in Direct violation of the fair credit reporting act has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 account as an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent debit validation and cease desist letter to company. Company reply stating they would submit dispute to remove from consumer report. Collection still showing on consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called into Capital One on XX/XX/XXXX. I asked for a payoff balance to close my account. The agent I spoke to said absolutely, and looked up my information. He told me my final payoff would be the account balance of {$470.00}. I asked him if that would be the all in all done total, and he responded yes sir. There should not be any more fees or charges beyond that as long as you haven't purchased anything, which I had not. I thanked him, and asked if I could just pay that on the APP like I make most my payments. He stated yes, and he said that I can cancel my card on the app as well. I again thanked him, ad reiterated, do i need to know anything else, look into anything or, pay anything else, and again he stated no. We ended the call, and immediately I went onto the app, and canceled the crd, and paid the final balance. On XX/XX/XXXX I was then charged interest of {$8.00}, even after I was told multiple times that there was no more owed! Fast Forward two months to now XX/XX/XXXX. I had a missed payment, negatively affecting me, then I was assessed a late fee, and an additional interest fee was added. I again called in and was treated very condescending by a supervisor named XXXX XXXX XXXX ) I believe he stated out of XXXX. He stated there was nothing he could do, and I am bound by the terms and services of the card. I stated I spoke to an agent with Capital One and he mislead, and falsely informed me. XXXX stated he had no record of that, and I stated I do, I keep record, and can pull me cell phone record. Can I send that in as proof to you so we can remedy this situation? He said no, if I wanted to do that, I need to pull in outside legal representative. I then stated I don't want to have sue something over {$8.00}, and I know he doesn't, and surely Capital One doesn't want to fight over {$8.00}. I asked him to try and help me, and work together to come up with a solution, since there was a mistake made on behalf of the Capital One Representative. XXXX 's response back to me was, " the solution is for you to just get over it, and pay the {$8.00}, and if you don't, you will just be assessed more late fees on XXXX. I then asked if there was a dispute department I could speak to, and I would like to dispute those charges, and file a complaint. XXXX responded to me with we don't have a complaint department, and you can't dispute those charges because there are from capital one and not a purchase. '' This was misinformation, and false leading a consumer. A company mistake, should be owned and corrected by a company, and not passed onto the consumer in an, oh well you have to do it cause we said so regardless of our mistakes kind of attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit card for The Childrens Place  and that is three Comenity Bank. Ive had this account for several years and over the years this bank is constantly raising and lowering the credit limit. I always pay my bill and every few months pay it off in full. About a month ago I paid it in full ( roughly 1200.00 ) and they lowered my credit limit. About a week after paying it off they raised the credit limit to {$1100.00}. Yesterday I received an email that they lowered my credit limit again to {$740.00} and then today I received a letter my credit limit is {$1100.00} but the bank is saying its only {$750.00}. I am so utterly confused by what this bank is doing to my account. My credit score is over 650, I only utilize 10 % of my credit balances and I was just approved for a major credit card last week. I really do not want to close this account because they have a decent reward program but the games they play are unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America deemed my property vacant for no reason & sent XXXX XXXX with a work order & broke in. Completely destroyed my basement door, frame, etc & tracked mud in every room. Which I have camera recordings of all which had been given to the sheriff. BOA said they didnt have anything to do with it but they havent changed it on my paperwork yet whic proves them guilty. Ive had to see a XXXX  which diagnosed me with XXXX, XXXX  XXXX with XXXX. Restitution is required to be paid to me for this serious crime by BOA for property & emotional damage upon receiving this.

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 2022-12-15
Company: BCO Consulting Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A company called BCO Consulting Services reached out to me in XXXX of 2021. They claimed that they could consolidate my student loans and apply for debt forgiveness through their program. They claimed they work with the Department of Education and had enough of my information for me to believe it was legit. I never gave them any of my personal information other than my name and email address and then later my credit card to pay for my income driven repayment plan that they signed me up for. 

They did consolidate my loans with my loan servicer XXXX XXXX and I have been making payments to them for a little over a year now, however, I just reached out to XXXX XXXX and none of those payment have been applied to my student loan balance, so it is just a scam. I have terminated any future payments to them and requested that they cancel my " income-based '' repayment plan and cease all future communications with me regarding any payments due. I had my loan servicer file a report on my behalf and am reaching out here and with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Citibank and the day my deposits were going to be available they say they are closing my account. Ive deposited XXXX dollars in checking and savings account now they wont even tell me why its being closed. That Money was for my son who is XXXX and its 10 days before 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 2019-11-11
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was called by the credit card issuer ( Citi Bank ) for payment of late fees and interest yet was never provided with a statement of charges and amount due. I requested this three times from the issuer over a period of two weeks without receipt of a mailed statement. Meanwhile, US mail was received daily at the address on file with the credit card issuer. 

I also attempted to log in to my account online to review statements and was not able to login due to continuous technical issues on the company 's website. After hours of time over numerous phone calls with the company 's phone support staff no one was able to resolve providing access to view my account and statements online. 

I was promised by phone staff that I would receive statements in the mail by certain dates which have been passed and no statements have yet to be received. 

It is unfair for me to charged interest and late fees as well as negative credit ratings by Citi for statements that they have never been able to provide via the internet or US Mail or any other means that I have requested, including via electronic mail.

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 2022-12-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted letters & documents showing proof that I had insurance and was covered. I verified with the hospital as well and they sent me an approval letter that I sent 2 all collection agencies and all 3 credit bureau and this collections still has yet to be removed from my XXXX XXXX XXXX account. I have documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The dates indicated we did not live at an address that required an electric bill and XXXX XXXX XXXX XXXX XXXX was vacated on XX/XX/2020. Even if it was from that address it's impossible for {$1500.00} to be owed for a small apartment. This needs to be clarified and corrected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX  : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ALLY FINANCIAL ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. 
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. 
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; and 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 2023-01-12
Company: Experian Information Solutions Inc.
State: MO
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Resurgent Capital Services L.P.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted capital one on multiple occasions regarding 3 separate credit card accounts that were opened in my name fraudulently and have provided police reports and additional documentation that validate that I did not apply for or use these cards, and each time they have come back and stated that the cards were not opened fraudulently and continue to hold me liable for the charges, damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a XXXX delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to XXXX of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX Old XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX po box XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX 4840.This account was reported 30 Days late on my credit reports and Im am requesting that the XXXX delinquency be removed and listed paid as agreed. I was notified via of email by XXXX XXXX XXXX service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX  XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Capio Partners, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is showing a debt owed for XXXX on all credit bureaus. I have no idea what this is and what your method of verification was. I did not receive any written documentation or phone calls regarding this matter. I have no idea who this creditor is and I have never did business with them. Please delete this from my report. Also, what was your method of verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief