BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX  Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Naviant has a web portal for viewing loans. This information does not include what portion of the loan goes towards interest and principle. There is no statement provided that give this information either. The lack of transparency traps users into never knowing how much is actually going against the principle balance and is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
In XXXX of this year, our state shutdown over the covid crisis, and I was not going to be able to work for an unspecified period of time. I made XXXX payments for all my cards and services, but would be unable to pay my obligations through the remainder of the shutdown period. The IRS postponed payments through XXXX. I contacted all my cards and services in XXXX, and my student loan, XXXX  XXXX XXXX, XXXX and XXXX all suspended payments to XXXX of XX/XX/2020. American Express also agreed to work with me during this period. In XXXX, I received a text message from AMEX stating I was past due. I contacted them immediately and was told that I was ok, it just takes a while for the deferment to enter the system. However, in XXXX, I began receiving daily phone calls from AMEX, claiming my account was past due. I was in phase 3 of California 's reopening and didn't go back to work until XX/XX/XXXX. I called AMEX and told them I would be able to start making my payments again in XXXX, that my account was mistakenly placed in past due status, and asked if they could remove the late fees and past due amount. They refused and stated I was responsible for the past due amount. A week later, California shutdown again and I haven't worked since. I was eventually forced to get unemployment insurance, since I needed to start making payments in XXXX. I made a XXXX dollar payment to AMEX as my XXXX payment, and filed a complaint with the XXXX. AMEX contacted me and told me they do not make adjustments to past due amounts and they had already given my account to a collection agency, and would have to discuss it with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TX
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:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Delete late payments from XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under 15 USC 1681b - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section 1681s-3 of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair debt collection practices act 15 USC1692g violations 4. Fair reporting act 15USC 1681 violations for willful noncompliance -616 Civil liability for willful noncompliance 15USC 1681n Best Regards, 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 2020-10-16
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:
An agency reported a delinquent account on my record, of which I requested documentation to support their claim. I got nothing ... and when I fIled a dispute with Experian they did nothing but ask the agency to validate their claim. They responded with it was accurate? How in Gods name is that response to validate a Claim dispute? Wheres the validation????? This is a scam and ought to be carefully looked into.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 explanation
Consumer complaint received 2022-05-05
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous dispute letters with no response for company or credit bureau. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. One response from XXXX stating debt was verified however when I ask for verification no correspondence sent. I didnt give permission for XXXX XXXX XXXX to report anything on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A loan company tried to pull my Equifax credit report and was unable to. When I contacted Equifax on today, I was told there was no record associated with my social or previous address. And I was told the only thing I could do was make sure my creditors are reporting my info to them. I have credit history dating back to 2001. I can't apply for more credit until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have applied for a vehicle loan and I was already approved. I'm moving forward to crest an account with bank of america and make payments, but I am not given information as to why I can't make my payments online or access my account without given a reason and asked to call. I have given a call but I keep getting out on hold, transferred to other departments and being hang up without a solution to my issue. I am afraid this will impact my credit score and the company might black list me or put me under a criminal warning list when it is on fact not an issue created on my end.

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 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Credit card company has restricted my account because I have made too many payments out of my business checking account. Credit card company has requested numerous amount of paperwork to prove that I am the owner of the business checking account that I am using, and I have submitted numerous paperwork to prove this, but every time I call in, Credit card company keeps telling me what I have submitted is not good enough. I have wasted countless hours dealing with this starting on XX/XX/2022. My account is still restricted. I just want this fixed. I have told Credit card company this is financial discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 US 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My employer was served a court notice about a alleged debt with XXXX in which I dont recall or have any knowledge of having it that was owed since XXXX never was aware or knew anything about this until today XXXX XXXX its discouraging considering they are making an attempt to garnish my wages on something I have no knowledge of. The initial debt was XXXX in XX/XX/2006 and now they are seeking XXXX in which is ridiculous and immoral!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CarMax, 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: Their investigation did not fix an error on your report

Complaint:
This company CarMax has placed a debt on my XXXX report in the amount of {$7200.00} that was removed from the other two reports as it couldnt be validated. I also proved that I had no knowledge of the account. It is also passed the statue of limitations of seven years. I would like for it to be removed promptly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: SC
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. 
I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Debt Recovery Solutions, LLC
State: GA
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have asked for the last 4 payments XXXX {$650.00} XXXX {$500.00} XXXX {$700.00} XXXX {$800.00} on my account to be applied towards my Principal balance and I have yet to see it be applied. I dont understand why it hasn't been applied. In total {$1200.00} went to interest when that should have gone towards my principal balance. 

I'm trying to pay this balance down while I still have a job. All you're doing is applying it toward interest which is not helping at all. I noticed based on other reviews on this company I'm not the only person who has been asking for this request and it hasn't been updated yet.

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 2021-01-23
Company: MECHANICS BANK
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, MECHANICS BANK add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
I have recently been through extreme financial hardship last year to include almost being evicted from my home, and when I contacted Santander Consumer they graciously helped me resolve my missed payments by granting me a deferment on my loan and now I am current and have been since my new job in XX/XX/XXXX. The deferremnt moved all of the missed payments to the end of the loan with anew maturity date thus making me current. I was assured that this would take full effect and that my credit would not be jeopardized as I was now current. I have disputed the late payments that are reporting on my credit with Santander on several occasions with credit bureaus to all come back verified by Santander. How is this accurate if my payments were actually deferred per my signed agreements? These inaccurate late payments have decimated my credit worthiness and have hindered the improvement I am making in paying my bills on time.I am forever thankful to Santander for extending the deferment to me and would like for them to remove the inaccurate reporting of the lates I have on my credit. The lates are as follows : XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law. They are also reporting duplicate accounts to the 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