BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is trying to dictate who I have as an authorized 3rd party on my file. SPS can not dictate who I choose to have handle my financial matters, this is not up to SPS this is up to the borrower. SPS must immediately CEASE and DESIST all demands as to who they say I have to authorize for my short sale request. If I do not wish my listing agent to be an authorized 3rd party then they will not be an authorized 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Last year in XX/XX/XXXXI talked with a DISCOVER agent regarding the DISCOVER IT Miles credit card. The DISCOVER agent made a clear and unambiguous promise to me that after a year of using this credit card, DISCOVER would match all the miles I earned automatically at the end of the first year. I was told that I just needed to open a DISCOVER IT Miles credit card to receive this benefit. Because of this benefit being offered, I chose DISCOVER IT Miles credit card over the competitors. I thought this was a great offer because I needed to earn points to fly and visit my family in Missouri. Consequently, I accepted this offer and starting using my DISCOVER IT Miles credit card for most of my purchases. I spent thousands of dollars in one years time in anticipation of receiving this doubling of miles. However, after a year, I noticed that the miles I earned were not matched by DISCOVER. In fact, when I called the customer service center and requested this issue to be resolved, I was told DISCOVER would not match anything because I was a previous DISCOVER card holder. I then requested the phone records and phone recording of my call so I could substantiate that I indeed was promised these terms by an agent of the company. In response, the supervisor told me that it was deleted and that DISCOVER does not keep records of any phone conversations after 6 months. The supervisor then went on to say that there is nothing he could do and implied that I should have known this because he heard this information on a DISCOVER commercial. I am sorry, this is unacceptable. I'm am simply requesting that the terms of our agreement be honored. I have been a loyal customer for 16 years since XX/XX/XXXX.

I have attached the screen shot from the Discover website. The language states clearly on the front page that Well match all the MILES youve earned at the end of your first year, automatically. The website does not clearly and conspicuously state that existing customers will not be eligible. Furthermore, regarding the ( # 2 asterisk ) designation at the end of this paragraph, it is almost impossible to find. This is evidence of what was offered to me by a DISCOVER agent, that DISCOVER would match or double the miles of any user after using this credit card for 1 year.

For all these reasons, I am requesting all the MILES Ive earned be matched as the DISCOVER agent presented to me. I look forward to hearing from you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, A call was transferred to me stating it was XXXX XXXX from XXXX XXXX in XXXX, Arizona and she needed to speak with you. When Representative started speaking, it made me assume my husband was in the hospital. Then XXXX XXXX went into a discussion that she is attempting to contact my husband for debt from XXXX and XXXX. I informed her I do n't discuss my husbands bills and she needed to speak with him. She said if I do n't hear from him by XXXX today, I will have to turn you in and this will also destroy your credit since you are married to him. I hung up, text my husband and asked why am i getting a threat at work when its not my bill. My husband reached out to the company, they were rude said that the company wants their money and its been 3 years. XXXX XXXX explained to my husband they pulled my credit report, and was like WOW I 'm impressed that i could buy a car, she refinance her house, and she was doing very well for herself. She then states to my husband that she pulled his credit and said looks like your trying to clean up your credit I see. I did n't give permission for this collection company to pull my credit, I never provided my social security to this office or the XXXX center. All I have ever provided was my insurance card as i was the cardholder. XXXX XXXX threatened my husband if he did n't respond back by Friday she will start garnishing his wages. I called XXXX XXXX back to go over the dates as my husband was in no hospital or had XXXX in XXXX. XXXX XXXX informed me it was a mistake on their office they will fix the date. At this time I asked XXXX XXXX who are you calling from as I was not informed of the Company name at the time of our first discussion. She informed me she worked for TCS. We hung up and I researched company online. I was given acknowledgement that TCS had faxed my employer twice for Job Verification, included my social security on fax that was accessible to the public. XX/XX/XXXX, a call was left from TCS from a XXXX XXXX at XXXX XXXX. I was not at work so I did not receive the message until XX/XX/XXXX. I received mail on XXXX, showing that I was the patient, it was my procedure. I did not have XXXX with XXXX XXXX. This company is putting false information. XX/XX/XXXX, I faxed a cease and desist communication to TCS to not contact me or my employer. confirmation fax received that company received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX was placed on my XXXX Credit report 3 times for the amount of {$530.00} each time. I have called the company and requested a debt validation letter and also XXXX XXXX XXXX XXXX XXXX XXXX also sent out a request to have a debt validation letter sent on XXXX which has been 56 days ago I have n't received anything by mail or received any phone calls from this company with the information I requested. I 've also disputed this with XXXX and a fraud alert has been placed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: U.S. BANCORP
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We have an automatic withdrawal coming out of our checking and into our daycare providers account weekly. The start of XX/XX/XXXX the auto withdrawal started to not work after 2 years of no issues. It would double pay some weeks and then skip other weeks. I have called the US banks customer service line 3 times. Spending over an hour on the phone with them each time with no resolution. I have tried the last 7 days to cancel this transfer but the US banks site has been down. I called to let them know I couldnt cancel this online due to their site not working and they told me to go into a branch. So today XX/XX/XXXX I went into a branch for 45 minutes with still no resolution. They told me there was nothing they could do for me to stop this withdrawal from my account. We are switching daycare so I need this resolved ASAP. I have never in my life been treated so poorly or have felt so helpless with my own banking. I am beyond frustrated that no one will help me. I just want to cancel this automatic withdrawal so I can be done with US bank.

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 2022-08-03
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022, I was notified via telephone about a check that was deposited through mobile deposit. There were not adequate funds in my checking account. The check amount was {$8200.00}. I was not aware of any check written of this amount by me. I personally went to my bank, United Community Bank in XXXX XXXX, GA. There, I requested to look into previous transactions for similar fraudulent activity. The banker looked into my account and there were a total of 13 fraudulent checks which had been cashed from my checking account. From those, 7 checks had been cashed, totaling up to {$39000.00} within the last 24 hours and 6 more checks had been cashed within the month of XXXX, totaling to {$16000.00}. The banker stopped any further transactions on the account. The banker filed a complaint to the fraudulent activity department at the bank and I filed a police report as well.

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 2022-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened this claim with CFPB XXXX, and the bank answered that they will reissue the provisional credit of XXXX for the claim n XXXX. But That provisional credit wasnt posted. 
Attached goes the answer letter

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 2017-08-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2017 I wrote Equifax, XXXX and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have been a card holder with Synchrony Financial ( Gap Visa ) for over 4 years. I have always made my payments regardless of my situation. I lost my job and was still making payments after attempting to have them work with me on the payments due to lack of income. They were unwilling to work with me so I had no choice but to make my payments. Prior to my job loss, I had never made a late payment with them. I continued to make payments, even if they were late, the late fee was paid along with the payment. my XXXX 2017 payment was made in the amount of XXXX. When checking my credit report, I noticed a 30 day late payment and called the company, I was told that it was because my bill was XXXX and I only paid XXXX I requested that they remove the late payment in good will for an honest mistake ( after I paid the additional XXXX dollars ). The company refuses to remove the 30 day late and it is impacting my credit score by 100 points. I am unable now to buy the home I was in the process of purchasing for XXXX dollars and an honest mistake. I even paid the entire balance off the following month and they are still not willing to help me even after I have been a good loyal customer for years!

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 2017-08-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple letters from Jefferson Capital Systems stating they are attempting to collect a debt for XXXX XXXX. I have made several attempts to contact the company to inform them the account is not mine and was opened with my stole personal information. My credit report states the account was originally reported on XXXX XXXX, 2017 in the amount of {$620.00} and I have had a different cellular phone carrier for over 5 years. I have also emailed the company filing a complaint with them so that they can send some kind of verification that the account was actually opened by myself but again no response has been sent from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2017-08-14
Company: Experian Information Solutions Inc.
State: DE
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:
all of the credit reports has false information on my credit from a identity theft. Ca n't get a report from experian

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 2017-08-14
Company: AAS Debt Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$140.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CarMax, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Bought a car from CarMax and loan is through CarMax auto finance. They falsely advertised the inspection of the car and it died in 30 days. I surrended it back and WAS told by the first calls to CarMax auto finance to leave it there at there repair partner shop XXXX XXXX. Waited and found out CarMax abandoned the car and the loan as stated in multiple call records. XXXX XXXX took ownership of the car and sold it. CarMax auto finance is the title holder of the car and they were responsible for the car and abandoned it. They no longer own the title to the car and will have to reach out to XXXX XXXX  for the loan payoff as they took ownership of the car and sold it. I'm not longer responsible for the loan as the states multiple times in call records that's they abandoned the car and the loan and no longer own the title. Police report was filed as I thought the car was stolen but found out it was sold by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XX/XX/1987 XXXX Experian XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} XXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX {$200.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer credit report and I noticed some accounts on my consumer credit report that should not be there : XXXX XXXX XXXX XXXX XXXX EQUIFAX is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of con

sumer reports, THE LAW CLEARLY STATES that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give EQUIFAX written instructions to furnish these accounts on my consumer report. And by the way, no consent is Identity Theft!

And further, EQUIFAX is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Before you report my information to a third party you have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EQUIFAX did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. EQUIFAX is in violation of several federal laws. 

And further, EQUIFAX is not obeying Title V of the Gramm-Leach-Bliley Act making them in breach of their own privacy policy which is printed and is as follows : Financial Information... we are also provided with this information when acting as a service provider to financial institutions, in which cases our use of the data is regulated by the XXXX XXXX XXXX XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/XXXX and XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-08-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, 2017. Ocwen financial servicing have been delay my modification even though I sent them all the required document that is the third time they made refill the modification package. they kept denying it. and I 'm paying very high interest on my mortgage. it is to much, I 'm at risk of not having enough money to pay the bank, and I ask them to tell they refuse. as I read online I see many other customer are having issue with them, and they were by the government for not following rule. I guest they have a bad culture. they do n't want to help customer instead of making it hard for them to lose they house

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