BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CL Holdings LLC
State: NE
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:
An account was opened today ( XX/XX/21 ) under my credit from Jefferson capital in Minnesota. I live in XXXX Nebraska and did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Credit Card with SunTrust Bank on XX/XX/2019 and Them was sent a letter on XX/XX/2019 saying they could not approve my card because they could not verify my address on XXXX. 
I have lived at this address for over 5 years and my equifax has my address listed also. I have a provided a copy of my Drivers License. 

SunTrust never requested further documentation from me to provide any type of verification that just denied me. 
Now that I have provided verification I would like my application processed. I would like details on Suntrust process and procedures according to federal laws on how they review and process credit card applications. I hope I am not being discriminated against because of my address

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 2019-10-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. Those derogatory accounts do not belong to me and I have no Memory of those accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2023-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I reported a credit item that i can't identify on my credit report XX/XX/2018 which is a violation of the FCRA 30 days law with Trans Union in regards to file number XXXX reported by a collection agency in the name of XXXX and have not got a response as of today XX/XX/2018 i request a contact of this item or for it to be removed. 

Thank you, for your prompt response.

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 2019-02-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received my credit report from Experian and it is showing a XXXX/XXXX   acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called XXXX and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current report.

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 2019-02-26
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 demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-08-14
Company: WELLS FARGO & COMPANY
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received today this weird mail From Cedar Business Services about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding 10 km More than tolerance level. The ticket is for {$810.00}. 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as Honda Financial has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In Spring XXXX I opened a Robinhood Account, having heard about it for a few years, I felt they were credible. In XX/XX/XXXX, I tried to log in to my account with my correct password and the system kept saying it was incorrect. I changed my password easily on XXXX XXXX, XXXX, I was able to log in and conduct business with the new login. On, XXXX XXXX, XXXX, when I tried to log in I could not get in and had to reset the password, AGAIN. On XX/XX/XXXX I requested to change my password again to access my account. After changing my password, I was told I had to submit the SMS that was sent to me. I never put my cellphone on the account. Robinhood then sent a message stating they needed a copy of my I. D. to verify this was my account. I declined as I did not need an I.d . to open the account. ( Case ID XXXX ) I again tried to change my password on XXXX XXXX, XXXX-Case I.D . XXXX. They stated they will be in touch in 3 days, I have not had any assistance. I again emailed support as they are advising others on their social media pages and no one has answered. 

All the while an EFT is still being withdrawn from my banking account. I personally believe the company has been hijacked, as I have never had an issue with them before. The need to be more truthful and transparent. 
I just want to close the account and move on. There are hundreds of people in the same boat, If they have closed shop-just give us our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.

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 2019-02-26
Company: CarMax, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am in the process of trying to refinance an existing car loan on a car purchased from Carmax, Financed through Carmax Auto Finance. The purchase of the car included an extended service warranty provided by Carmax through their 3rd party warranty provider XXXX XXXX XXXX. 

I inquired through Carmax 's call center if refinancing away from Carmax Auto Finance would void said warranty. One associate confirmed it would void the warranty and another stated it would not. Given that situation, I feel it is reasonable and prudent to confirm, in writing, whether refinancing will void my warranty or not. It should not void the warranty as I believe that would be in violation of anti tying regulations. 

I then emailed the exact message below to Carmax, they refused to respond in writing citing it was against the law to respond to a customer in writing and they dont have the ability to do so. ( I spoke to associate at approximately XXXX on XX/XX/XXXX @ XXXX XXXX XXXX - she confirmed an email response was not possible. I can provide specific name and extension if absolutely required. Would prefer not to directly implicate any specific associates who may be unfairly treated internally. ) Please see the email below which was sent to Carmax on XX/XX/XXXX, they've refused to provide a response in writing. 

____ Hi Carmax- Good Afternoon I have an existing Carmax loan ( Contract # XXXX, Date of Sale XX/XX/XXXX ) which I am considering refinancing. 

Before I refinance my loan, I want to confirm that refinancing will not impact my XXXX XXXX XXXX executed under Customer No. XXXX, Contract # XXXX, purchased on XX/XX/XXXX. 

Please confirm that this XXXX XXXX Contract will not be voided or otherwise impacted by the refinancing of my loan. 

In your response, please confirm that you are authorized to provide this information taking into account the loan is offered through Carmax Auto Finance and the Warranty is offered through XXXX XXXX XXXX. Should mechanical issues arise, I don't want to be put in a situation where one entity is disclaiming liability because another third party should have been involved in confirming impact to the warranty. If those entities need to be party to this information or decision, I would ask that appropriate steps be taken to include them. 

Thanks and regards, XXXX XXXX The remedy I am seeking through the CFPB is to have Carmax address my request in writing for my records given incorrect information was provided verbally by their call center ( initially ). I feel it is reasonable and prudent for me to receive confirmation ( in writing ) of impact to my warranty as a result of my choice to obtain more favorable financing terms away from Carmax Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I want this removed ASAP or I will call my lawyer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has credited my account {$140.00} XX/XX/2020 and sent me a VISA card for the same amount. On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have a cash app account that was closed about 4 days ago and I have no clue why. I contacted them regarding the issue and they said I was in violation of something. they sent me a way to cash out my remaining funds but every time I try to cash it out it says cash out failed. And now when I go to cash support to ask them for help on getting my remaining {$770.00} they send me the same email over and over again saying they closed my case cause the complaint is old. which it is not.

Company response to consumer: Closed with explanation